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426 W Church St, Swainsboro, GA, 30401

9beds
10baths
6,277sqft
$650,000
$104price/sqft
$5,002/moest. monthly cost
$200,080/yrincome needed

About This Home

Built in 1895, this beautifully preserved Colonial-style home with a distinctive gambrel roof offers timeless charm and modern comforts. Sold turn key and fully furnished, it is currently operating as a successful bed and breakfast. The property features 9 spacious bedrooms and 9.5 updated baths, making it ideal for continued hospitality use or a stunning private residence—perfect for a large family or history enthusiast. A generous wraparound porch leads to a grand entry hall that sets the tone for the rest of the home. The main floor boasts 5 bedrooms, each with a private, modern bathroom, along with an oversized parlor and dining room that comfortably seats over 25 guests. The sunroom breakfast area provides additional informal dining space, perfect for relaxed mornings or entertaining. Upstairs, you'll find 4 additional bedrooms, each also with its own ensuite bath, and individually controlled heating and air conditioning for personalized comfort. The home retains its historic elegance with original wood moldings, crystal chandeliers, gilded mirrors, and original artwork throughout. The commercial-grade kitchen is fully equipped with all the amenities you'd expect for large-scale cooking and hosting. Located in Swainsboro's historic district, this well-maintained home offers both character and convenience.

Getting Around

42
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

2/10
5/10
Swainsboro Middle SchoolGrades 6-82.6 mi
3/10
Swainsboro High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 1895

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Other

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 10
  • Full bathrooms: 9
  • 1/2 bathrooms: 1

Features

  • Formal Dining Room
  • Fireplace features: Great Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 6,277
  • Total interior livable area: 6,277 sqft

Property

Details

  • Parcel number: S24023A

Features

  • Levels: Two
  • Exterior features: Columns
  • Fencing: None

Lot

  • Lot size: 1.11 Acres
  • Features: Acreage 1-5

Parking

  • Parking features: Parking Spaces,Paved

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

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Tornado
Drought
Hail
Hurricane
Heat Wave
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 $3,286$39,432
Home Insurance *$685$8,220
Property Taxes $422$5,064
Electricity $609$7,318
Total$5,002$60,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,497/yr
40% on housing$150,060/yr
45% on housing$133,386/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: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 30401$111
Emanuel County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 30401
Emanuel County$117

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
2026-01-11Listed for sale$650,000
2025-08-18Listing removed$650,000
2025-07-23Price change$650,000
2023-06-16Pending sale$395,000
2023-06-07Price change$395,000
2023-05-26Price change$550,000
2023-03-25Listed for sale$600,000
2021-01-15Listing removed$599,000
2021-01-02Price change$599,000
2020-09-29Price change$549,000
2020-05-09Listed for sale$574,000
2020-04-04Listing removed$574,000
2020-02-21Price change$574,000
2017-05-22Listed for sale$599,000
2012-08-08Sold$300,000

For Sale by Agent

AgentKelly O'Quinn
BrokerageKeller Williams Atlantic Partners

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