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216 Humber Ave, Lumpkin, GA, 31815

2beds
1baths
1,376sqft
$55,000
$40price/sqft
$716/moest. monthly cost
$28,640/yrincome needed

About This Home

Investor Opportunity, this home offers original hardwood floors. located in a cul-de-sac. This lot boasts of fruit trees and tranquility. This home offers two bedrooms and one full bathroom, Full size laundry room, and a large family room, Don't miss out on this opportunity.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

5/10
7/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1920

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 1,376
  • Total interior livable area: 1,376 sqft

Kitchen

  • Features: Breakfast Area,Country

Property

Details

  • Parcel number: LU04 051
  • Special condition: Standard

Features

  • Levels: One
  • Frontage length: Waterfront: 0
  • Living area range: 1250-1499

Lot

  • Lot size: 0.45 Acres
  • Features: Cul-De-Sac

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
    TornadoVery High
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Tornado
Drought
Hurricane
Heat Wave
Inland Flooding
Strong Wind
Wildfire

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 $278$3,336
Home Insurance *$177$2,124
Property Taxes $42$504
Electricity $219$2,637
Total$716$8,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,548/yr
40% on housing$21,480/yr
45% on housing$19,093/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

$40This listing

vs Other Active Listings

Avg $/sqft

ZIP 31815$50
Stewart County$62

vs Homes Sold Last Month

Median $/sqft

ZIP 31815
Stewart County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-19Listed for sale$55,000
2008-01-10Sold$22,900

For Sale by Agent

AgentJessica Smith
Brokerage1st Class Real Estate Excellence

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