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108 E Underwood St, Cleveland, GA, 30528

3beds
3baths
1,993sqft
$549,000
$275price/sqft
$3,568/moest. monthly cost
$142,720/yrincome needed

About This Home

METICULOUSLY RESTORED, COMPLETELY RENOVATED, PRESERVING THE ORIGANILITY AND BEAUTY! This ONE OF A KIND Home, Located in downtown Cleveland Georgia adjacent to New Freedom Park, Situated on .866 acre corner lot. 3 Bedroom (2 European Style with an ensuite open concept) 2 Full Bath, 1 Half Bath, Major system upgrades (new electrical, plumbing, HVAC) original weighted windows restored, light fixtures (restored time pieces) original hardwood floors, ornate woodwork, stained glass, rare Kitchen fixtures! Walk to Cleveland's most popular restaurants and coffee shops! This Homeowner has truly engaged their passion in Preserving the Craftmanship without compromising its historical essence! Furniture/Furnishings Negotiable!

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

7/10
5/10
8/10
White County High SchoolGrades 9-122.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1888

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Block,Concrete,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: European,Other,Rustic
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Microwave,Other,Refrigerator,Washer
  • Laundry features: In Kitchen

Basement

  • Basement: Crawl Space

Bedroom

  • Features: Master on Main, Oversized Master, Sitting Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Open Concept, Seats 12+

Features

  • Beamed Ceilings,High Ceilings,High Ceilings 9 ft Lower,High Ceilings 9 ft Main,High Ceilings 9 ft Upper,Other,Vaulted Ceiling(s)
  • Window features: Wood Frames
  • Flooring: Ceramic Tile,Hardwood
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,993
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Ceiling Fan(s),Central Air,Electric,Heat Pump

Interior Area

  • Total structure area: 1,993
  • Total interior livable area: 1,993 sqft

Kitchen

  • Features: Kitchen Island, Other

Master Bathroom

  • Features: Other, Vaulted Ceiling(s)

Master Bedroom

  • Features: Master on Main, Oversized Master, Sitting Room
  • Level: Master on Main, Oversized Master, Sitting Room

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: C01D 093
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Front Porch,Rear Porch,Side Porch
  • Exterior features: Other,No Dock
  • Spa features: None
  • Fencing: Back Yard,Fenced,Front Yard
  • Has view: Yes
  • View description: City,Mountain(s)
  • Waterfront features: None
  • Waterbody name: None

Lot

  • Lot size: 0.87 Acres
  • Features: Corner Lot,Level

Parking

  • Parking features: Driveway,Level Driveway,RV Access/Parking
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Ice Storm
    Ice StormRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Ice Storm
Tornado
Earthquake
Hail
Inland Flooding

FEMA Declared Disasters Across Georgia Counties

Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,776$33,312
Home Insurance *$290$3,480
Property Taxes $283$3,396
Electricity $219$2,637
Total$3,568$42,816
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,331/yr
40% on housing$107,040/yr
45% on housing$95,146/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$275This listing

vs Other Active Listings

Avg $/sqft

ZIP 30528$152
White County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 30528
White County$193

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-22Price change$549,000
2025-11-06Listed for sale$599,000
2021-01-01Listing removed--
2020-08-07Listed for sale$540,000
2015-03-03Sold$108,700
2015-01-07Listed for sale$125,000
2013-06-06Listing removed$110,000
2012-08-02Listed for sale$110,000
2012-04-19Listing removed$174,900
2012-03-01Listed for sale$174,900

For Sale by Agent

AgentElaine Black
BrokerageHometown Real Estate Group Incorporated

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