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412 Shiloh Rd, Ray City, GA, 31645

3beds
3baths
2,331sqft
$395,000
$169price/sqft
$2,679/moest. monthly cost
$107,160/yrincome needed

About This Home

Located just minutes from Moody Air Force Base, this beautiful 3-bedroom, 3-bathroom two-story home sits on approximately 4 private acres, offering the perfect blend of space, comfort, accessibility, and functionality. Surrounded by mature landscaping, you'll enjoy peaceful country living with plenty of room to add a garden, pool, workshop, or simply enjoy the wide-open outdoor space. Thoughtfully designed with accessibility in mind, the home is ideal for handicapped or special needs living. The spacious floor plan features a formal dining room, a main-level primary suite, and a versatile bonus room that can easily serve as a home office, craft room, or additional family room to fit your lifestyle. The staircase to the second floor is also designed so it can easily accommodate the addition of a chair lift if desired. The inviting sun porch provides the perfect place to relax with your morning coffee while overlooking the scenic backyard. Quality craftsmanship is evident throughout, with solid wood cabinetry and solid wood interior doors adding timeless beauty and durability. The home also includes an AquaPro whole-house water treatment system, a HydraWise smart irrigation system to keep the landscaping looking its best, and a professionally wired portable generator connection that plugs directly into the breaker box for reliable backup power during outages and can be deactivated when not in use or used for powering other things beside the home. The roof was replaced just two years ago, offering added peace of mind for years to come. Outside, a fenced portion of the backyard provides a safe space for pets, while the remaining acreage offers endless possibilities for outdoor living, recreation, gardening, or future additions. Combining privacy, thoughtful design, quality construction, and modern conveniences, this exceptional property is ready to welcome you home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
5/10
Berrien Middle SchoolGrades 6-88.9 mi
6/10
Berrien High SchoolGrades 9-129.0 mi

Construction

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Softener Owned,Refrigerator,Electric Range,Dishwasher,Washer,Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,331
  • Total interior livable area: 2,331 sqft

Property

Accessibility

  • Accessibility features: Handicap Accessible

Details

  • Parcel number: 076 73 000
  • Zoning: AU

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Termite Bonded
  • Fencing: Fenced

Lot

  • Lot size: 4.10 Acres

Parking

  • Total spaces: 3
  • Parking features: 3+ Cars,Driveway
  • 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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Cold Wave
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $1,997$23,964
Home Insurance *$213$2,556
Property Taxes $243$2,916
Electricity $226$2,717
Total$2,679$32,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$91,851/yr
40% on housing$80,370/yr
45% on housing$71,440/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 31645$106
Berrien County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 31645
Berrien County$147

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
2026-08-03Listed for sale$395,000

For Sale by Agent

AgentWendy Cook
BrokerageThe Herndon Company

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