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124 Phillips St, Richland, GA, 31825

5beds
3baths
3,972sqft
$305,000
$77price/sqft
$2,331/moest. monthly cost
$93,240/yrincome needed

About This Home

Step Back in Time — 1906 Colonial Charm Meets Timeless Craftsmanship Let's go back to a time when homebuilding was an art form—when every detail mattered and craftsmanship spoke for itself. This 1906 Colonial was built to impress, and more than a century later, it still does. Inside, you'll find original hardwood flooring throughout, including stunning “king boards” in the kitchen—a true nod to the home's history. The main floor features a spacious kitchen with a cozy breakfast room, a formal dining room perfect for gatherings, two bedrooms, a full bath, a welcoming front sitting room, and a parlor rich with character. You'll also find original pocket doors, decorative fireplaces, and beautifully preserved mantels that tell stories of another era. Upstairs, a wide hallway opens to three additional bedrooms, two full bathrooms, a lovely sitting room, and a charming balcony—ideal for morning coffee or quiet reflection. Additional fireplaces and hidden architectural surprises add to the home's allure. Step outside, and the history continues. The garden offers a serene retreat with mature lemon and peach trees, storage sheds, and a classic barn—perfect for hobbies, workshops, or simply admiring from a rocking chair on a breezy afternoon. A home like this isn't just lived in—it's experienced. Come see why this Colonial has stood the test of time with grace, beauty, and a touch of mystery. ( Enamel metal roof) " AS IS SALE" Additional photos to come 1/22/26

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1907

Materials

  • Construction materials: Vinyl Siding,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Dining Area

Features

  • High Ceilings,Rear Stairs
  • Flooring: Hardwood
  • Number of fireplaces: 8
  • Fireplace features: Decorative,Family Room,Living Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,972
  • Total interior livable area: 3,972 sqft

Kitchen

  • Features: Breakfast Area

Master Bathroom

  • Features: Vaulted Ceiling(s)

Property

Accessibility

  • Accessibility features: Accessible Stairway

Details

  • Parcel number: R07 046

Features

  • Levels: Two,Two Story Foyer
  • Patio & porch: Deck,Patio
  • Exterior features: Garden,Landscaping
  • Fencing: Fenced
  • Living area range: 3500-3999

Lot

  • Lot size: 1.13 Acres
  • Features: Corner Lot,Level,Private Backyard

Parking

  • Total spaces: 1
  • Parking features: Driveway,Drive Under,Parking Pad,1-Carport,Level Driveway
  • Has garage: Yes
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 1

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
    LightningVery High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Tornado
Drought
Heat Wave
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 $1,542$18,504
Home Insurance *$168$2,016
Property Taxes $236$2,832
Electricity $385$4,630
Total$2,331$27,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$79,920/yr
40% on housing$69,930/yr
45% on housing$62,160/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.3%
6.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$77This listing

vs Other Active Listings

Avg $/sqft

ZIP 31825$78
Stewart County$56

vs Homes Sold Last Month

Median $/sqft

ZIP 31825
Stewart County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-06Price change$305,000
2026-01-21Listed for sale$315,000
2019-06-24Listing removed$165,000
2019-06-21Listed for sale$165,000
2019-06-20Sold$165,000
2019-04-25Listed for sale$169,900
2019-04-05Pending sale$169,900
2019-03-22Listed for sale$169,900
2019-03-01Pending sale$169,900
2019-02-15Listed for sale$169,900
2018-08-20Listing removed$185,777
2018-01-22Price change$185,777
2016-07-15Listed for sale$189,500

For Sale by Agent

AgentJenni Applegate
BrokerageColdwell Banker / Kennon, Parker, Duncan & Davis

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