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203 Old Rail Road, Bloomingdale, GA, 31302

3beds
3baths
2,554sqft
$550,000
$215price/sqft
$3,744/moest. monthly cost
$149,760/yrincome needed

About This Home

Don’t miss the opportunity to own this beautifully maintained lakefront home in Savannah’s only gated, fly-in community. Ideally located just 10 minutes from all that Pooler has to offer, this property combines everyday convenience with the added benefit of Effingham County living. Situated on a 1.33-acre wooded homesite, the setting is truly special—offering expansive lake views and your own private dock for enjoying peaceful mornings or sunset evenings on the water. A welcoming front porch sets the tone, inviting you to slow down and relax. Inside, the home is filled with natural light, enhanced by soaring ceilings, abundant windows, and classic plantation shutters. The spacious layout includes a formal dining room and a large living area that flows seamlessly into the breakfast area and kitchen—perfect for both everyday living and entertaining. A built-in bar adds a thoughtful touch for hosting. Storage is abundant throughout, and the main-level primary suite offers a private retreat with a double vanity, jetted tub, and separate shower. Upstairs, you’ll find two additional bedrooms, a full bath, and an expansive bonus room with its own half bath—ideal for guests, a media room, or flexible living space. Recent updates include a newly replaced upstairs HVAC system (2026), and a termite bond is already in place for added peace of mind. Step outside to enjoy the screened porch and patio—perfect shaded spaces for long summer afternoons overlooking the water. The generous backyard offers plenty of room for gardening, outdoor activities, or simply taking in the tranquil lake views. Experience lake living at its finest—whether it’s boating, fishing, or unwinding by the water, this home offers a lifestyle you won’t want to leave.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
8/10
7/10

Construction

Condition

  • Year built: 2001

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Some Electric Appliances,Dishwasher,Electric Water Heater,Disposal,Oven,Range,Range Hood,Refrigerator
  • Laundry features: Laundry Room,Washer Hookup,Dryer Hookup

Bathroom1

  • Level: Main
  • Dimensions: 5.0 x 4.11

Bathroom3

  • Level: Upper
  • Dimensions: 12.1 x 4.2

Bedroom1

  • Level: Upper
  • Dimensions: 13.3 x 24.4

Bedroom2

  • Level: Upper
  • Dimensions: 12.2 x 24.4

Bedrooms & Bathrooms

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

Bonus Room

  • Dimensions: 13.5 x 28.2

Dining Room

  • Level: Main
  • Dimensions: 12.5 x 13.0

Features

  • Breakfast Area,Ceiling Fan(s),Double Vanity,High Ceilings,Jetted Tub,Country Kitchen,Main Level Primary,Pantry,Pull Down Attic Stairs,Separate Shower,Vaulted Ceiling(s)
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,554 sqft

Kitchen

  • Level: Main
  • Dimensions: 12.11 x 16.1

Laundry

  • Level: Main
  • Dimensions: 7.8 x 6.3

Living Room

  • Level: Main
  • Dimensions: 21.9 x 18.8

Primary Bathroom

  • Features: Walk-In Closet(s)
  • Level: Main
  • Dimensions: 13.3 x 13.0

Primary Bedroom

  • Level: Main
  • Dimensions: 13.4 x 18.8

Utility Room

  • Level: Main
  • Dimensions: 13.6 x 4.2

Property

Details

  • Parcel number: 0303A109
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Patio,Porch,Front Porch,Screened
  • Exterior features: Dock
  • On waterfront: Yes

Lot

  • Lot size: 1.33 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached,Golf Cart Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Cold Wave
Heat Wave
Inland Flooding
Lightning
Tornado

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $2,781$33,372
Home Insurance *$308$3,696
Property Taxes $407$4,884
Electricity $248$2,977
Total$3,744$44,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,365/yr
40% on housing$112,320/yr
45% on housing$99,840/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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 31302$220
Effingham County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31302$167
Effingham County$188

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
2026-04-22Listed for sale$591,000
2000-10-06Sold$50,000

For Sale by Agent

AgentSteffany P. Farmer
BrokerageBetter Homes and Gardens Real

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