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1082 River St, Bartow, GA, 30413

4beds
4baths
3,021sqft
$539,900
$179price/sqft
$4,060/moest. monthly cost
$162,400/yrincome needed

About This Home

Enjoy peaceful Ogeechee River living just outside Louisville in this well maintained 2-story home situated on a 1.1 acre lot, offering 3,021 square feet of thoughtfully designed space. The main-level primary suite with fireplace and new carpet offers convenient living while an open, beautifully appointed kitchen with stainless appliances anchors the home for everyday life and entertaining. A large living room with fireplace, library space, nice sunroom a dedicated office provide flexible living and work-from-home options. Upstairs are 3 additional bedrooms and 2 full baths. Step outside to professionally landscaped grounds and an expansive river-facing deck - an ideal setting for morning coffee, sunset gatherings, or large-scale entertaining with high-bank frontage and direct water views on the majestic Ogeechee River. Additional highlights include deck down by the river, a 2-car garage, abundant storage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
Louisville AcademyGrades PK-52.4 mi
3/10
3/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2002

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Other

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Bookcases,Double Vanity,Master On Main Level,Separate Shower,Tile Bath,Walk-In Closet(s),Wet Bar
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Gas Log
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,021

Heating & Cooling

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

Interior Area

  • Total structure area: 3,021
  • Total interior livable area: 3,021 sqft

Property

Details

  • Parcel number: 0055 063

Features

  • Levels: Two
  • Stories: 2
  • Has spa: Yes
  • Spa features: Bath
  • Waterbody name: Ogeechee River

Lot

  • Lot size: 1.10 Acres
  • Features: Sloped

Parking

  • Parking features: Attached,Garage
  • Has garage: 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
  • Heat Wave
    Heat WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Drought
Heat Wave
Ice Storm
Lightning
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Hurricane

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 $2,730$32,760
Home Insurance *$637$7,644
Property Taxes $400$4,800
Electricity $293$3,522
Total$4,060$48,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,200/yr
40% on housing$121,800/yr
45% on housing$108,266/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: 8.3%
8.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 30413$132
Jefferson County$153

vs Homes Sold Last Month

Median $/sqft

ZIP 30413
Jefferson County$75

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
2026-04-20Listed for sale$549,000
2020-07-01Sold$395,000

For Sale by Agent

AgentLisa R Wasden
BrokerageWasden Realty, Inc.

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