Priced in line with comparable homes. Estimated market value $391,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
**PRICE IMPROVEMENT! Assumable FHA loan at 4.5%! Seller is also willing to contribute toward buyer closing costs, giving you flexibility to use the funds toward a rate buydown or other allowable closing expenses.**
Located in the established section of Lost Creek, this ranch-style home offers finishes and details beyond typical builder grade, with easy one-level living and…
Garage
Listing remarks courtesy of Berkshire Hathaway HomeServices Georgia Properties.
Listing courtesy of Berkshire Hathaway HomeServices Georgia Properties· FMLS #7762959
Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.
Home facts
Interior19
CoolingCentral Air
HeatingForced Air
LaundryLaundry Room, Main Level, In Hall
BasementNone
Bedrooms4
FeaturesCrown Molding, High Ceilings 9 ft Main, Smart Home, Walk-In Closet(s), Double Vanity, Entrance Foyer
FlooringCarpet, Vinyl
Bathrooms2
AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Refrigerator, Gas Oven
Fireplaces0
Room typesLaundry
Common wallsNo Common Walls
1/2 bathrooms0
Full bathrooms2
Main level bedrooms4
Main level bathrooms2
Finished area above ground1,862 sqft
Finished area below ground0 sqft
Total interior livable area1,862 sqft
Property9
LevelsOne
Lot size0.25 ac
Lot featuresBack Yard, Private, Landscaped, Level
Body of waterNone
Parcel number093438
Parking spaces2
Other equipmentNone
Parking featuresAttached, Garage
Waterfront featuresNone
Construction7
RoofComposition, Shingle
ConditionResale
Home typeResidential
MaterialsCement Siding, HardiPlank Type, Other
Year built2,024
Property subtypeSingle Family Residence
Architectural styleCottage, Ranch
Utilities & green energy3
SewerPublic Sewer
WaterPublic
Utilities for propertyCable Available, Electricity Available, Natural Gas Available, Phone Available, Sewer Available, Underground Utilities, Water Available
Community & HOA6
HOA fee$762 annually
Has HOAYes
SecuritySmoke Detector(s)
SubdivisionLOST CREEK PHS 2
Services includedSwim, Tennis
Community featuresClubhouse, Homeowners Assoc, Near Schools, Near Shopping, Playground, Pool, Sidewalks, Street Lights, Tennis Court(s)
Financial & listing details3
Date on market2026-05-01
Annual tax amount$3,739
Price per square foot$209/sqft
Payment calculator
$2,845/mo
Principal & interest$2,277
Property taxes$390
Home insurance$114
HOA$64
Down payment$39,000 (10%)
Interest rate6.750%
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
Assumable 4.5% FHA loan
The listing says a qualified buyer can take over the seller’s existing FHA mortgage and keep its 4.5% rate. The low rate covers only the loan balance; the rest of the price is yours to bring, in cash or with a second loan.
Rate (per listing)
4.5% (not an APR)
Lender
Not published
Loan term
Not published
Started
Not published
The rate is as the listing agent states it in the description. Ask below and we’ll confirm it, the lender and the loan term with the listing agent.
About $142/mo less per $100,000 of balance you assume, compared with a new 30-year loan at 6.75%.
What you’d bring to closing
Finance the rest of the down payment
A partner lender can quote a second loan for the gap and check you for the assumption.
Rates, lenders, terms and balances come from three places only: the listing agent's own remarks; the FHA loan in HUD's public FHA Single Family Portfolio Snapshot that matches the owner's recorded MLS purchase to the dollar (shown as "Likely"; the lender named is the loan's original lender, which may no longer service it, and the balance is the original loan paid down on schedule, so the loan may since have been refinanced, modified or paid down faster); or a Veribas agent's confirmation with the listing agent. A rate is shown when the listing description states it (labelled as such) or when its lender and loan term are known; payments are shown only when the lender and term are known. Otherwise ask and we'll get them. Rates shown are the existing loan's note rate, not an annual percentage rate (APR), and not an offer of credit from Veribas. Payments shown are principal, interest and estimated property taxes; homeowners insurance, FHA mortgage insurance, VA or FHA assumption fees and HOA dues are extra, so the actual payment will be higher. Down payments assume a second loan at 8.5% over 30 years up to 90% of the price combined; that is an illustration, not a loan offer. The loan servicer (and, for VA loans, the VA) approves every assumption, and the buyer must qualify. VA loans can be assumed by non-veterans, but the seller's VA entitlement stays tied to the loan unless the buyer is a veteran who substitutes theirs. Verify the rate, lender, term and balance with the listing agent before you offer.
Down payment assistance
Upper-income census tract 13223120105 · Paulding 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).
Chenoa Fund down payment assistance
5% of the price · Forgivable loan (forgiven after a set time in the home)
For down payment. 600+ credit score. Ends Dec 31, 2026.
A second mortgage for 3.5% or 5% of the price, paired with an FHA loan through Southeast Mortgage. The forgivable version is 0% and forgiven after 36 on-time payments (due in full if you sell or refinance sooner); a repayable version is paid monthly over 10 years. No income limit, repeat buyers welcome, 600+ credit. Source: chenoafund.org and southeastmortgage.com/uga (checked 2026-09-24).
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 Truist, a Georgia Dream participating lender. 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 (lender list and program matrix, checked 2026-09-24).
Truist Community Homeownership Incentive Program (CHIP)
up to 100% financing · Low down payment loan (the home loan itself — little or nothing down)
For down payment, mortgage insurance. Ends Dec 31, 2026.
A Truist home loan with little or nothing down — not a grant. Up to 100% financing in the Atlanta-Sandy Springs-Alpharetta metro and up to 97% elsewhere, no mortgage insurance, at least $500 of your own money, 30-year fixed up to the conforming limit. Income limits and homebuyer education may apply. Source: truist.com/mortgage/affordable-home-loan-options (checked 2026-09-24).
Programs are published by the lenders, who set and confirm eligibility. The home's census tract is one requirement; buyer income, credit and other rules also apply.
Value & price history
Estimated valueListed for salePrice cut
Price cut
Sep 22, 2026
$390,000
-5.3%
Listed for sale
May 1, 2026
$412,000
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