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149 Kirby St, Summerville, GA, 30747

3beds
2baths
1,891sqft
$299,000
$158price/sqft
$2,448/moest. monthly cost
$97,920/yrincome needed

About This Home

Extensively improved with over $45,000 in recent updates, including a new 200-amp electrical panel, replacement of cast iron plumbing with PVC, new natural gas lines, crawl space structural repairs and insulated HVAC ductwork, renovated laundry room, fresh interior paint and wall repairs, new gutters with leaf guards, new bedroom carpeting, restored interior, repaired front steps, and a freshly painted carport. The detached garage was removed to create a welcoming fire pit area, several trees were removed for improved curb appeal, and a new GE side-by-side refrigerator with ice maker and a new LG front load washer/dryer set conveys with the home. A classic brick home with modern updates, quality improvements, and timeless appeal--ready for its next owner. Showings to begin 6/29.

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

3/10
5/10
5/10
Chattooga High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1946

Materials

  • Foundation: Brick/Mortar
  • Roof: Composition
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Ice Maker,Microwave,Refrigerator,Washer/Dryer,Water Heater
  • Laundry features: Laundry Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Entrance Foyer,Granite Counters,En Suite
  • Window features: Vinyl Frames
  • Flooring: Hardwood
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area above ground: 1,891

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,891
  • Total interior livable area: 1,891 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 00s2800000020

Features

  • Stories: 1
  • Patio & porch: Deck,Rear Porch,Porch - Covered
  • Exterior features: Rain Gutters

Lot

  • Lot size: 0.52 Acres
  • Features: Back Yard,Cleared,Front Yard
  • Lot size dimensions: 150 x 150

Parking

  • Total spaces: 2
  • Parking features: Asphalt
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Lightning
Strong Wind
Earthquake
Hail
Ice Storm
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
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 $1,511$18,132
Home Insurance *$257$3,084
Property Taxes $461$5,532
Electricity $219$2,637
Total$2,448$29,376
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,931/yr
40% on housing$73,440/yr
45% on housing$65,280/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 17.5%
17.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 30747$179
Chattooga County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 30747$136
Chattooga County$119

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
2026-08-14Price change$294,000
2026-07-14Price change$299,000
2026-06-26Listed for sale$310,000
2025-11-17Sold$245,000
2025-11-11Pending sale$249,950
2025-10-23Listed for sale$249,950
2025-10-01Listing removed$272,000
2025-10-01Price change$272,000
2025-09-12Price change$285,000
2025-08-23Price change$279,000
2025-08-06Price change$279,500
2025-07-31Listed for sale$295,000
2023-02-28Listing removed$299,000
2023-02-24Price change$299,000
2023-02-16Price change$269,000
2023-02-06Listed for sale$259,800
2022-05-17Sold$125,000

For Sale by Agent

AgentAnn Bowman
BrokerageRealty Executives Terra Firma

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