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109 Vernon St, Dublin, GA, 31021

3beds
2baths
0sqft
$156,000
--price/sqft
$1,183/moest. monthly cost
$47,320/yrincome needed

About This Home

Great opportunity for residential conversion in Dublin! Located at 109 Vernon Street, this property is currently zoned Professional, but offers strong potential for transformation into a residential home. The one-and-one-half-story existing layout provides a solid foundation for conversion, featuring multiple rooms that could easily function as bedrooms, living areas, or office space, along with a reception area that could serve as a main living room. The property also includes a kitchen area, hookups for a dishwasher, washer, and dryer, two bathrooms, built-in shelving, and a full staircase leading to a potential bonus room or additional storage space. Outside, the property offers a four-car asphalt parking area and a spacious, fenced backyard-ideal for outdoor living, gardening, or future expansion. Tucked just off a more heavily traveled roadway, the setting provides added privacy while still maintaining convenient access to downtown Dublin and nearby amenities. Seller will submit an application to rezone property to a Residential classification upon execution of a binding contract; rezoning is subject to local authority approval. Seller is selling "As Is".

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

5/10
Hillcrest ElementaryGrades PK-41.6 mi
3/10
Dublin Middle SchoolGrades 5-82.7 mi
4/10
Dublin High SchoolGrades 9-121.0 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1976

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Block,Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Electric Water Heater,Oven/Range (Combo)
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Window features: Double Pane Windows,Storm Window(s)
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Attic: Expandable
  • Finished area below ground: 0
  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Central,Heat Pump,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Breakfast Area

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: D10E 155
  • Special condition: As Is

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Fencing: Back Yard,Chain Link,Fenced,Other

Lot

  • Lot size: 0.32 Acres
  • Features: City Lot

Parking

  • Total spaces: 4
  • Parking features: Parking Pad
  • 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

  • Lightning
    LightningRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Earthquake
Hail
Hurricane
Heat Wave
Inland Flooding
Strong Wind
Tornado

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 $788$9,456
Home Insurance *$108$1,296
Property Taxes $68$816
Electricity $219$2,637
Total$1,183$14,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,560/yr
40% on housing$35,490/yr
45% on housing$31,546/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: 4.3%
4.3%
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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 31021$124
Laurens County$119

vs Homes Sold Last Month

Median $/sqft

ZIP 31021$126
Laurens County$127

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
2026-05-11Listed for sale$189,000

For Sale by Agent

AgentChad Allen
BrokerageColdwell Banker Curry Residential

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