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64 Madison St, Commerce, GA, 30529

2beds
1baths
1,036sqft
$245,000
$236price/sqft
$2,062/moest. monthly cost
$82,480/yrincome needed

About This Home

Charming and move in ready, this adorable ranch home conveniently located in the Heart of Commerce. Offering 2 bedrooms and 1 full bath . Lots of updates including laminate flooring, spacious kitchen with white cabinets ,decorative back splash, stainless appliances, open living and dining areas, Enjoy relaxing on the front porch or spending time in the large fenced in back yard. No HOA, In town location convenient to I - 85 and down town commerce.

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

9/10
7/10
Commerce Middle SchoolGrades 5-81.7 mi
7/10
Commerce High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1965

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow/Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Oven/Range (Combo),Refrigerator
  • Laundry features: Mud Room,Other

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Master On Main Level
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,036

Heating & Cooling

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

Interior Area

  • Total structure area: 1,036
  • Total interior livable area: 1,036 sqft

Property

Details

  • Parcel number: C00501

Features

  • Levels: One
  • Stories: 1
  • Fencing: Back Yard,Privacy,Wood

Lot

  • Lot size: 9,583 sqft
  • Features: City Lot,Level

Parking

  • 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

  • Drought
    DroughtRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Drought
Lightning
Tornado
Cold Wave
Hail
Ice Storm
Strong Wind

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 $1,238$14,856
Home Insurance *$119$1,428
Property Taxes $486$5,832
Electricity $219$2,637
Total$2,062$24,744
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,697/yr
40% on housing$61,860/yr
45% on housing$54,986/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 30529$135
Jackson County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 30529$187
Jackson County$187

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
2026-08-06Price change$240,000
2026-07-03Listed for sale$245,000
2023-06-02Sold$223,000
2023-05-15Pending sale$225,000
2023-05-11Listed for sale$225,000
2023-05-08Pending sale$225,000
2023-05-04Listed for sale$225,000
2023-03-10Sold$210,000
2023-02-27Pending sale$220,000
2023-02-22Contingent$220,000
2023-02-22Pending sale$220,000
2023-02-20Price change$220,000
2023-02-08Listed for sale$225,000
2023-02-02Contingent$225,000
2023-02-02Pending sale$225,000
2023-01-25Listed for sale$225,000
2021-10-05Sold$185,000
2021-09-20Pending sale$179,000
2021-09-04Listed for sale$179,000
2021-06-01Sold$100,000
2021-04-22Price change$119,000
2021-04-16Listed for sale$119,900
2016-12-19Sold$65,000
2014-11-18Sold$48,947
2008-07-28Sold$55,000

For Sale by Agent

AgentMelinda L McCausland
BrokerageOur Town Realty Inc.

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