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317 McCray Dr, Albany, GA, 31701

3beds
2baths
--sqft
$85,000
--price/sqft
$1,037/moest. monthly cost
$41,480/yrincome needed

About This Home

Attention Investors! Check out this charming 1,152 sq. ft. brick home with 3 bedrooms, 2 bathrooms, and a fenced yard. A great opportunity to buy individually or as part of a package deal with two duplexes at 408 and 412 Emily Lane, plus 620 Marshall Lane. Let's make great things happen!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

3/10
2/10
Monroe High SchoolGrades 9-121.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1971

Materials

  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Property

Details

  • Parcel number: 000BB/00019/99B

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 7,840 sqft

Parking

  • Parking features: Assigned,None

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
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Inland Flooding

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $429$5,148
Home Insurance *$304$3,648
Property Taxes $85$1,020
Electricity $219$2,637
Total$1,037$12,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,554/yr
40% on housing$31,110/yr
45% on housing$27,653/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: 3.9%
3.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 31701$121
Dougherty County$82

vs Homes Sold Last Month

Median $/sqft

ZIP 31701$42
Dougherty County$55

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
2026-07-21Listed for sale$85,000
2025-04-08Listing removed$750
2025-04-02Listed for rent$750
2009-07-29Sold$9,000

For Sale by Agent

AgentVickki Blanch
BrokerageLove That House Realty Co.

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