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528 Gardner Rd, Baxley, GA, 31513

3beds
2baths
2,990sqft
$265,000
$89price/sqft
$1,964/moest. monthly cost
$78,560/yrincome needed

About This Home

This 3 bedroom, 2 bathroom home sits on 5.4 acres of land offering plenty of space. Inside, you will find an inviting layout with a spacious family room complete with custom built-ins, a comfortable den perfect for entertaining, and a formal living room. The kitchen and breakfast area feature beautiful hardwood flooring and connect to the formal dining room, which opens onto a screened porch. Outside, the fenced-in, saltwater pool and patio area create the perfect setting for relaxing. The detached two-story building adds flexibility, with the upper level offering a kitchenette and half bath. Property is being sold "as-is," and includes parcel numbers 0033 031A and 0033 031B.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1985

Materials

  • Roof: Other
  • Construction materials: Other,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Other

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Other
  • Flooring: Carpet
  • Finished area below ground: 0
  • Finished area above ground: 2,990

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,990
  • Total interior livable area: 2,990 sqft

Property

Details

  • Parcel number: 0033 031A/0033 031B

Features

  • Levels: Multi/Split

Lot

  • Lot size: 5.40 Acres
  • Features: Other

Parking

  • Parking features: Carport
  • Carport: Yes

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
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Cold Wave
Drought
Lightning
Strong Wind
Tornado

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $1,339$16,068
Home Insurance *$192$2,304
Property Taxes $143$1,716
Electricity $290$3,486
Total$1,964$23,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,337/yr
40% on housing$58,920/yr
45% on housing$52,373/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: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 31513$110
Appling County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 31513—
Appling County$107

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
2026-04-13Listed for sale$289,000
2021-07-29Sold$278,000
2021-06-22Pending sale$339,900
2021-04-08Listed for sale$339,900

For Sale by Agent

AgentCaitlyn Cain
BrokerageThe Atkins Agency

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