Priced in line with comparable homes. Estimated market value $420,000, based on 6 comparable homes nearby.
Estimate from Veribas listing comps — a guide, not an appraisal.
About this home
ASSUMABLE LOAN at a 2.5% interest rate, subject to lender approval and the loan's remaining terms! Some homes give you more rooms - the better ones give every room a reason to exist. At 5748 Screech Owl Drive, 2,460 square feet have been shaped around real life: the mornings that begin around the kitchen island, the nights that end by the fire, the guests who stay longer than…
PoolBasementGarage
Listing remarks courtesy of PAYNE Real Estate.
Listing courtesy of PAYNE Real Estate· FMLS #7839324
Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.
Home facts
Interior18
CoolingCentral Air
HeatingCentral
LaundryLaundry Room, Upper Level
BasementNone
Bedrooms5
FeaturesDouble Vanity, Entrance Foyer, High Ceilings 9 ft Main, High Speed Internet, Recessed Lighting, Walk-In Closet(s)
FlooringLuxury Vinyl
Bathrooms3
AppliancesDishwasher, Gas Range, Microwave, Refrigerator
Fireplaces1
Room typesBedroom, Loft
Common wallsNo Common Walls
1/2 bathrooms0
Full bathrooms3
Main level bedrooms1
Main level bathrooms1
Finished area above ground2,460 sqft
Total interior livable area2,460 sqft
Property9
LevelsTwo
Lot size0.11 ac
Lot featuresLandscaped, Level, Sprinklers In Rear
Body of waterNone
Parcel number08111 003158
Parking spaces2
Other equipmentNone
Parking featuresGarage, Garage Door Opener
Waterfront featuresNone
Construction7
RoofComposition
ConditionResale
Home typeResidential
MaterialsHardiPlank Type
Year built2,020
Property subtypeSingle Family Residence
Architectural styleCraftsman, Modern, Traditional
Utilities & green energy3
SewerPublic Sewer
WaterPublic
Utilities for propertyCable Available, Electricity Available, Natural Gas Available, Sewer Available, Underground Utilities
Community & HOA6
HOA fee$800 annually
Has HOAYes
SecurityClosed Circuit Camera(s)
SubdivisionSummit Lake
Services includedSwim
Community featuresHomeowners Assoc, Near Schools, Playground, Pool, Sidewalks, Street Lights
Financial & listing details3
Date on market2026-09-17
Annual tax amount$4,049
Price per square foot$170/sqft
Payment calculator
$3,054/mo
Principal & interest$2,446
Property taxes$419
Home insurance$122
HOA$67
Down payment$41,900 (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
Assumable 2.5% FHA loan
The listing says a qualified buyer can take over the seller’s existing FHA mortgage and keep its 2.5% 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)
2.5% (not an APR)
Original lender
Dhi Mortgage Company Ltd.
Loan term
Not published
Started
October 2020
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 $253/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
At 2.5%, about 24 years left$1,073/mo
Gap between price and balance$186,900
Second loan, assumed at %$145,000 · $1,115/mo
Blended rate on everything you borrow4.81%
Down payment with the second loan$41,900
Principal & interest$2,187/mo
Plus closing costs, taxes and insurance. The second-loan rate is an assumption you can change, not a quote. A lender prices the real one.
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
Middle-income census tract 13139001501 · Hall 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 19, 2026
$419,000
-1.4%
Listed for sale
Sep 17, 2026
$425,000
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