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641 N Cobb St, Milledgeville, GA, 31061

4beds
2baths
1,510sqft
$214,900
$142price/sqft
$1,841/moest. monthly cost
$73,640/yrincome needed

About This Home

This is a great older home in a lovely neighborhood. Located in walking distance to Doctor offices + hospital. This home has 4 bedrooms, 2 bathrooms and over 1500 sq ft. This home would also make a great duplex! There's hardwood flooring, new interior paint, + it's move in ready!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

--
Midway Hills PrimaryGrades K-21.7 mi
5/10
Oak Hill Middle SchoolGrades 6-81.4 mi
2/10
Baldwin High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1967

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Other
  • Laundry features: Other

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 4

Features

  • Master On Main Level
  • Flooring: Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 1,510

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Heat Pump

Interior Area

  • Total structure area: 1,510
  • Total interior livable area: 1,510 sqft

Property

Details

  • Parcel number: M38 071

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.86 Acres
  • Features: Open Lot

Parking

  • Parking features: 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Hail
Heat Wave
Ice Storm
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 $1,086$13,032
Home Insurance *$140$1,680
Property Taxes $396$4,752
Electricity $219$2,637
Total$1,841$22,092
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,120/yr
40% on housing$55,230/yr
45% on housing$49,093/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: 4.8%
4.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 31061$138
Baldwin County$132

vs Homes Sold Last Month

Median $/sqft

ZIP 31061$147
Baldwin County$120

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
2025-03-19Listed for sale$214,900
2025-02-25Listing removed$214,900
2024-09-25Price change$214,900
2024-08-23Listed for sale$234,909
2022-11-07Listing removed--
2022-11-02Price change$1,300
2022-10-31Price change$1,350
2022-10-19Price change$1,475
2022-10-05Price change$1,600
2022-10-01Listed for rent$1,800
2022-10-01Listing removed$184,900
2022-08-19Price change$184,900
2022-07-20Listed for sale$169,900
2017-06-16Sold$78,400

For Sale by Agent

AgentKimberli Clements
BrokerageSouthern Classic Realtors

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