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406 Church Street, Guyton, GA, 31312

2beds
2baths
1,232sqft
$329,900
$268price/sqft
$2,593/moest. monthly cost
$103,720/yrincome needed

About This Home

CHARMING and COZY, this BEAUTIFULLY updated 2-Bedroom, 2-Bath rustic cottage offers the perfect blend of character and modern comfort in the HEART of GUYTON, GA. Freshly painted and featuring brand new flooring throughout, this inviting home is MOVE-in-READY and full of warm and welcoming touches. The thoughtfully updated kitchen includes a new gas range and oven, ideal for home cooking, while both baths have been tastefully renovated- highlighted by a stunning soaking tub that adds a touch of luxury to everyday living. Outside, you'll find an OVERSIZED OUTBUILDING offering endless possibilities for storage, workshop, or hobby space. Nestled in a quiet neighborhood, this home is perfectly situated near a local church and playground, creating a peaceful, community-oriented atmosphere. Enjoy the convenience of being a short walk to downtown shops, where small-town charm meets every day ease. Whether you're looking to relax on the porch, or simply desire a slower Pace of Life, this property truly is a WONDERFUL PLACE TO CALL HOME.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

5/10
Guyton Elementary SchoolGrades PK-50.5 mi
6/10
6/10

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Rustic
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Gas Appliances,Electric Water Heater,Microwave,Oven,Plumbed For Ice Maker,Range,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Garden Tub/Roman Tub,High Ceilings,Country Kitchen,Primary Suite,Pantry,Pull Down Attic Stairs
  • Attic: Pull Down Stairs

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,232 sqft

Property

Details

  • Parcel number: G0030009
  • Zoning: R-1
  • Zoning description: Single Family
  • Special condition: Standard

Features

  • Patio & porch: Front Porch
  • Has view: Yes
  • View description: Panoramic

Lot

  • Lot size: 0.50 Acres
  • Features: City Lot,Garden,Greenbelt,Level,Wooded

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
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Heat Wave
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 $1,668$20,016
Home Insurance *$157$1,884
Property Taxes $549$6,588
Electricity $219$2,637
Total$2,593$31,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,902/yr
40% on housing$77,790/yr
45% on housing$69,146/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: 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

$268This listing

vs Other Active Listings

Avg $/sqft

ZIP 31312$156
Effingham County$171

vs Homes Sold Last Month

Median $/sqft

ZIP 31312$184
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
2026-04-17Listed for sale$349,900
2026-02-20Sold$287,500
2025-12-12Listed for sale$330,000
2024-06-24Listing removed--
2024-06-06Price change$315,000
2024-05-09Listed for sale$325,000
2021-08-06Sold$265,000
2021-07-07Pending sale$259,900
2021-07-04Price change$259,900
2021-05-12Listed for sale$265,000
2020-01-14Sold$40,000

For Sale by Agent

AgentCynthia H. Parker
BrokerageNext Move Real Estate LLC

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