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92 Hidden Cove Drive, Richmond Hill, GA, 31324

2beds
2baths
1,395sqft
$895,000
$642price/sqft
$6,858/moest. monthly cost
$274,320/yrincome needed

About This Home

Located within the prestigious Ford Field and River Club, this 2-bedroom, 2-bath cottage sits on over an acre, offering privacy and space with a flexible, open layout. The main living area features a bright living room with a cozy reading nook under the window, flowing seamlessly into the open dining area. The kitchen is fully equipped and provides easy access to the main living spaces. Upstairs, the bedroom opens to a screened porch, creating a peaceful spot to relax. An additional loft-style bedroom space, accessible through the downstairs bathroom, adds versatility for guests, an office, or extra sleeping quarters. Outside, enjoy a back patio along with additional side porch/storage space, ideal for hobbies or extra storage. A 2-car garage completes the property, making this home a great blend of comfort, functionality, and room to spread out. As part of Ford Field & River Club, residents enjoy access to a premier private community known for its natural beauty, golf, and upscale amenities.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

--
7/10
8/10
Richmond Hill High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Slab
  • Roof: Shingle,Wood
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Other

Bedrooms & Bathrooms

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

Features

  • Double Vanity,High Ceilings,Separate Shower,Vaulted Ceiling(s)

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,395 sqft

Property

Details

  • Parcel number: 0549031
  • Zoning: CITY
  • Special condition: Standard
  • Horse amenities: Stable(s)

Features

  • Pool features: Community
  • Patio & porch: Porch,Screened
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 1.05 Acres
  • Features: Interior Lot

Parking

  • Total spaces: 2
  • Parking features: 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
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Heat Wave
Inland Flooding
Lightning
Tornado
Wildfire
Tsunami

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 $4,525$54,300
Home Insurance *$484$5,808
Property Taxes $1,630$19,560
Electricity $219$2,637
Total$6,858$82,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,131/yr
40% on housing$205,740/yr
45% on housing$182,880/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$642This listing

vs Other Active Listings

Avg $/sqft

ZIP 31324$241
Bryan County$222

vs Homes Sold Last Month

Median $/sqft

ZIP 31324$198
Bryan County$200

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
2026-03-27Listed for sale$895,000
2025-06-20Listing removed$850,000
2025-01-03Price change$850,000
2024-05-07Listed for sale$945,000

For Sale by Agent

AgentKacey Howard
BrokerageSeabolt Real Estate

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