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$850,000

Veribas Valuation $755,000asking 13% abovehow we got this

4 beds · 4 baths · 4,100 sqft

478 Chandler Place Drive, Lavonia, GA 30553

Overpriced

Priced about $95,000 (13%) above comparable homes. Estimated market value $755,000, based on 3 comparable homes nearby.

Estimate from Veribas listing comps — a guide, not an appraisal.

About this home

Discover the beauty of lake living in this custom Craftsman-style retreat on Lake Hartwell, just 10 minutes from I-85. Situated on a private, wooded 0.73-acre lot that gently slopes toward the water, this impressive 4-bedroom, 4-bath home offers approximately 4,300 square feet of living space across three levels. At the heart of the home, the great room makes a striking…

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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Offer insights

Choose an offer strength

List price: $850,000

$841K–$848K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $755,000 — asking sits above our value; a moderate offer is defensible with comps.

Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.

Home facts

Interior18

CoolingCentral Air, Zoned

HeatingCentral, Zoned

LaundryIn Hall

BasementBath Finished, Daylight, Exterior Entry, Finished, Full, Interior Entry

Bedrooms4

FeaturesDouble Vanity, High Ceilings, Master On Main Level, Rear Stairs, Split Bedroom Plan, Vaulted Ceiling(s), Walk-In Closet(s)

FlooringHardwood

Bathrooms4

Appliances

Payment calculator

$6,105/mo

Principal, interest & taxes · $6,353/mo with home insurance

Principal & interest$5,255

Property taxes$850

Home insurance$248

Down payment$85,000 (10%)

Interest rate7.320%

Starts at today’s national average for a 30-year fixed, 7.32% (week of Oct 22). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Assumable loan?

If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.

Down payment assistance

Middle-income census tract 13119890103 · distressed/underserved · Franklin County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).