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403 Spruce St, Fort Valley, GA, 31030

4beds
2baths
1,339sqft
$196,500
$147price/sqft
$1,525/moest. monthly cost
$61,000/yrincome needed

About This Home

Fully Renovated 4-Bedroom Home with Modern Upgrades Throughout!! Welcome to this beautifully renovated home featuring 4 bedrooms and 2 full bathrooms, thoughtfully designed with a modern open-concept layout that blends comfort and style. Step inside to discover a bright and inviting living space, perfect for both everyday living and entertaining. The kitchen is a true highlight, showcasing elegant granite countertops, sleek stainless steel appliances, and a seamless flow into the dining and living areas. The main living spaces are finished with durable luxury vinyl plank (LVP) flooring, offering both contemporary style and low-maintenance convenience. This home has been extensively updated from top to bottom, including: New roof New HVAC system New windows New water heater New lighting fixtures New flooring throughout The exterior has been completely redone with durable Hardie board siding, and both plumbing and electrical systems have been upgraded to meet 2026 code standards—providing peace of mind for years to come. Don’t miss your opportunity to own this move-in-ready, fully renovated home that combines modern finishes with quality craftsmanship.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

4/10
Hunt Elementary SchoolGrades PK-52.2 mi
6/10
3/10
Peach County High SchoolGrades 9-124.2 mi

Construction

Condition

  • Property condition: ReSale
  • Year built: 1935

Materials

  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Microwave

Basement

  • Basement: Crawl Space

Bedroom2

  • Area: 129.60000000000002

Bedroom3

  • Area: 128.62

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Combo

Features

  • Soaking Tub,Ceiling Fan(s)
  • Flooring: Tile,Luxury Vinyl Plank
  • Finished area below ground: 0
  • Finished area above ground: 1,339

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,339 sqft

Kitchen

  • Area: 159.60000000000002

Living Room

  • Area: 320.58

Master Bedroom

  • Level: Main
  • Area: 136.8

Property

Details

  • Parcel number: F05F109

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: No Garage

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
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Drought
Heat Wave
Lightning
Strong Wind
Cold Wave
Hail
Hurricane
Inland Flooding
Tornado

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 $993$11,916
Home Insurance *$186$2,232
Property Taxes $127$1,524
Electricity $219$2,637
Total$1,525$18,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,285/yr
40% on housing$45,750/yr
45% on housing$40,666/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 31030$93
Peach County$107

vs Homes Sold Last Month

Median $/sqft

ZIP 31030$101
Peach County$149

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
2026-05-12Price change$196,500
2026-03-28Listed for sale$200,650
2025-09-04Sold$15,000
2025-07-30Price change$29,000
2025-06-19Price change$33,000
2025-05-30Listed for sale$35,000
2011-02-02Sold$20,000

For Sale by Agent

AgentLisa Dunn
BrokerageCENTURY 21 HOMES & INVESTMENTS

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