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191 Steven St, Summerville, GA, 30747

2beds
1baths
840sqft
$110,000
$131price/sqft
$1,018/moest. monthly cost
$40,720/yrincome needed

About This Home

Perfect starter home or rental opportunity with a great location. This charming 2-bedroom, 1-bath home near Downtown Summerville. Situated on a beautiful lot with plenty of potential. Only 30 minutes from Rome A wonderful opportunity for first-time buyers, downsizers, or anyone looking for a cozy place to call home! Needs some TLC

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
5/10
5/10
Chattooga High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Ceiling Fan(s),Window Unit(s)

Features

  • Finished area above ground: 840

Interior Area

  • Total structure area: 840
  • Total interior livable area: 840 sqft

Property

Details

  • Parcel number: 00s4000000089

Features

  • Exterior features: None

Lot

  • Lot size: 1,481 sqft
  • Lot size dimensions: 100 x 150

Parking

  • Total spaces: 1
  • Parking features: Other
  • Covered spaces: 1
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Lightning
Strong Wind
Earthquake
Hail
Ice Storm
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
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 $556$6,672
Home Insurance *$94$1,128
Property Taxes $149$1,788
Electricity $219$2,637
Total$1,018$12,216
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$34,902/yr
40% on housing$30,540/yr
45% on housing$27,146/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 17.5%
17.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$131This listing

vs Other Active Listings

Avg $/sqft

ZIP 30747$183
Chattooga County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 30747$136
Chattooga County$119

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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$110,000
2026-07-28Listed for sale$110,000

For Sale by Agent

AgentJanice Sabo
BrokerageTeems & Teems Realty

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