1/25

Pending

$216,500

3 beds · 2 baths · 1,526 sqft

107 Oakwood Drive, Harlem, GA 30814

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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.

Veribas Rental Valuation

If you rented it out · estimated from sale value

$1,600/morange $1,400 – $1,8008.9% gross yield

Estimated from this home's value — not enough similar rentals nearby for a direct comparison.

Automated estimate — actual rent depends on condition, terms, and season. Not a guarantee of rental income.

Home facts

Interior16

CoolingCeiling Fan(s), Central Air

HeatingElectric, Forced Air

LaundryLaundry Closet

BasementNone

Bedrooms3

FeaturesSeparate Shower, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s)

FlooringCarpet, Hardwood, Tile, Vinyl

Bathrooms2

AppliancesDishwasher, Electric Water Heater, Ice Maker, Range, Refrigerator

Payment calculator

$1,555/mo

Principal, interest & taxes · $1,618/mo with home insurance

Principal & interest$1,338

Property taxes$217

Home insurance$63

Down payment$21,650 (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.

Down payment assistance

Middle-income census tract 13073030504 · Columbia 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.