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186 Railroad Ave, Lula, GA, 30554

3beds
2baths
1,548sqft
$329,000
$213price/sqft
$2,565/moest. monthly cost
$102,600/yrincome needed

About This Home

Welcome to this three-bedroom, two-bath home with extra space to use. No HOA, situated on 0.58 acres, very level, with a huge backyard, spacious front yard, and generous-size front porch. The new roof is approximately four years old, and a new HVAC was installed in 2023. There's a nice side patio perfect for grilling and entertaining. Step outside! For a big bonus, should you need more space to house your guests or whatever the needs are, this cute extra cottage guest house with a garage offers so much flexibility to use however you see fit. Per Seller, This cottage/guest house has its own septic tank, its own hot water heater in the garage area, its own washer and dryer hookup, and a window unit that heats and cools. Inside this guest house you will find a full bathroom, and a generous-size room. This is a one-of-a-kind property. Schedule your showing today.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

--
6/10
6/10
Banks County High SchoolGrades 9-1210.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1948

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Electric Water Heater
  • Laundry features: Other

Basement

  • Basement: None

Bedroom

  • Features: In-Law Floorplan, Master on Main, Roommate Floor Plan

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Open Concept, Other

Features

  • Other
  • Window features: None
  • Flooring: Carpet,Vinyl,Other
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,548
  • Total interior livable area: 1,548 sqft

Kitchen

  • Features: Cabinets Stain, Laminate Counters

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Features: In-Law Floorplan, Master on Main, Roommate Floor Plan
  • Level: In-Law Floorplan, Master on Main, Roommate Floor Plan

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: B01 030
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Covered,Front Porch,Side Porch
  • Exterior features: Other,No Dock
  • Spa features: None
  • Fencing: None
  • Has view: Yes
  • View description: Other
  • Waterfront features: None
  • Waterbody name: None

Lot

  • Lot size: 0.58 Acres
  • Features: Back Yard,Cleared,Front Yard,Level

Parking

  • Parking features: Driveway
  • Has uncovered spaces: 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Hail
Inland Flooding
Ice Storm

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 $1,663$19,956
Home Insurance *$165$1,980
Property Taxes $518$6,216
Electricity $219$2,637
Total$2,565$30,780
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,942/yr
40% on housing$76,950/yr
45% on housing$68,400/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 30554$171
Banks County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 30554$191
Banks County$193

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$335,000
2018-09-14Sold$161,000
2011-10-25Sold$20,500
2011-09-21Price change$18,900
2011-07-19Listed for sale$21,000
2011-01-27Sold$90,249

For Sale by Agent

AgentNatasha Brown
BrokerageKeller Williams Lanier Partners

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