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181 Lower Wirebridge Road, Stephens, GA, 30667

3beds
2baths
952sqft
$270,000
$284price/sqft
$2,151/moest. monthly cost
$86,040/yrincome needed

About This Home

Charming and fully refreshed 3-bedroom, 2-bath home on over an acre in peaceful Stephens, GA! This move-in ready cottage features new flooring, fresh paint, and an updated kitchen with modern cabinet colors and great counter space. The bright, open layout offers a comfortable living area and spacious bedrooms, including a private primary suite. Enjoy quiet country living with a covered front porch, wooded backdrop, and plenty of room for gardening, pets, or future additions. Tucked away for privacy yet an easy drive to Athens and local amenities, this home is perfect for first-time buyers, downsizers, or anyone seeking simple, affordable comfort in a quiet rural setting. Don’t miss this turnkey opportunity!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1994

Materials

  • Foundation: Crawlspace
  • Roof: Asphalt

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Oven,Range
  • Laundry features: Laundry Room

Basement

  • Basement: None,Crawl Space

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Galley Kitchen,Main Level Primary,Other
  • Attic: Other
  • Finished area above ground: 952

Heating & Cooling

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

Interior Area

  • Total interior livable area: 952 sqft

Property

Details

  • Parcel number: 060010
  • Zoning: AR
  • Special condition: Standard

Features

  • Patio & porch: Porch
  • Has view: Yes
  • View description: Panoramic,Trees/Woods

Lot

  • Lot size: 5.21 Acres
  • Features: Back Yard,Level,Open Lot,Private

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

  • Drought
    DroughtRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Drought
Cold Wave
Hail
Hurricane
Ice Storm
Strong Wind

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 $1,365$16,380
Home Insurance *$194$2,328
Property Taxes $373$4,476
Electricity $219$2,637
Total$2,151$25,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,748/yr
40% on housing$64,530/yr
45% on housing$57,360/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.3%
5.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$284This listing

vs Other Active Listings

Avg $/sqft

ZIP 30667$140
Oglethorpe County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 30667
Oglethorpe County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-03Price change$274,000
2026-03-29Listed for sale$275,000
2026-02-26Pending sale$275,000
2026-01-30Price change$275,000
2025-12-05Price change$300,000
2021-10-27Pending sale$125,000
2021-09-23Listed for sale$125,000

For Sale by Agent

AgentStephanie Cole
BrokerageColdwell Banker Residential Br

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