1/3
Active
$79,000
2 beds · 1 baths · 800 sqft
3103 Clark Street, Covington, GA 30014
Great deal
Priced about $46,000 (37%) below comparable homes. Estimated market value $125,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
Fixer upper with long term teanant in the heart of downtown Covington. Needs work but is a great value play for a smart investor or a homeowner looking for sweat equity.
PoolBasementNo HOA
Listing remarks courtesy of Surpass Realty.
Home details
2
Beds
1
Baths
800
Sqft
1948
Built
0.11 ac
Lot
Veribas Valuation
Veribas Verified · from nearby MLS sales
$125,000range $118,000 – $133,000
Based on 6 sold homes within a mile (6 in the last 12 months), checked against 4 active/pending listings, adjusted for condition · asking 37% below this value
Automated estimate from nearby MLS sales — not an appraisal.
Offer insights
Choose an offer strength
List price: $79,000
$78K–$79K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
Veribas Valuation: $125,000 — asking sits below our value; strong offers here still buy under market.
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.
Veribas Rental Valuation
If you rented it out · from nearby rentals
$1,225/morange $1,150 – $1,30018.6% gross yield
Based on 8 similar rentals within 5 mi (3 recently leased).
Home facts
Payment calculator
$563/mo
Principal & interest$461
Property taxes$79
Home insurance$23
Down payment$7,900 (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?
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
Moderate-income census tract 13217100400 · Newton 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.
Value & price history
Estimated valueListed for sale
Listed for sale
Sep 9, 2026
$79,000
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Every list price is checked against our valuation model and local comps.
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A Veribas agent walks every showing — questions answered on the spot.
No surprises at closing
No junk fees — the numbers you agree to are the numbers you sign.
Schools
PorterdaleElementary
ClementsMiddle
EastsideHigh
Location
47 for sale 4 pending 12 sold
Listed by
Surpass Realty
Source: FMLS · #7834623
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