1/4
Active
$20,000
Lot / land listing
00 River Ridge Trail, Sparta, GA 31087
About this home
Prime half-acre lot near Lake Sinclair in Sparta, GA with a community boat ramp! Perfect for building your dream home or weekend retreat. Enjoy the serene surroundings and endless possibilities. Conveniently located near fishing, boating, and outdoor activities. A rare opportunity to own a piece of paradise! Don't miss out!
No HOA
Listing remarks courtesy of Cross Creek Realty.
· FMLS #7677242404-355-2833
$137/mo est.
with $2,000 down · $20,000 list price*
Buyer services · Veribas Real Estate LLC — not the listing broker unless noted above
Connect with a lender · no credit checkHome details
0.5 ac
Lot
None
HOA
$88/yr
Est. taxes
Nov 5, 2025
Listed
Offer insights
Choose an offer strength
List price: $20,000
$20K–$20K
70% to 90% chance of a winning offerJust under asking — competitive when the home is fresh.
93 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.
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
Payment calculator
$143/mo
Principal & interest$117
Property taxes$20
Home insurance$6
Down payment$2,000 (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?
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 13141480300 · distressed/underserved · Hancock 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
Nov 5, 2025
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Schools
Lewis - HancockElementary
Hancock CentralMiddle
Hancock CentralHigh
Location
2 for sale 1 pending 4 sold
Listed by
Cross Creek Realty
Source: FMLS · #7677242
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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.
