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31 Earl St, Clayton, GA, 30525

1beds
2baths
1,730sqft
$778,500
$450price/sqft
$6,019/moest. monthly cost
$240,760/yrincome needed

About This Home

Form, function, and beauty converge at 31 Earl Street - the pearl of downtown Clayton. Professionally designed with thoughtful, high-style updates, this fully renovated commercial space blends charm with versatility. Envision an art gallery, bistro, bakery, wine bar, studio, or members-only club - the possibilities are as dynamic as the location itself. A spacious covered porch creates an inviting, stylish setting for gathering and lingering. Upstairs, a newly built studio apartment with its own private entrance offers a rare live-work opportunity, executive office, or chic short-term rental potential. In a town celebrated by Southern Living as one of the South's most charming mountain destinations, 31 Earl Street invites you to claim your place in the heart of Clayton's vibrant historic district.

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

5/10
6/10
7/10
Rabun County High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1900

Materials

  • Roof: Metal
  • Construction materials: Other,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Mixed Use

Interior

Appliances

  • Appliances included: Other
  • Laundry features: None,Upper Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Features: Seats 12+

Features

  • High Ceilings,Other
  • Flooring: Hardwood,Other
  • Finished area below ground: 0
  • Finished area above ground: 1,730
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

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

Interior Area

  • Total structure area: 1,730
  • Total interior livable area: 1,730 sqft

Kitchen

  • Features: Country Kitchen,Kitchen Island

Property

Accessibility

  • Accessibility features: Accessible Entrance

Details

  • Parcel number: C013 039

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Exterior features: Other
  • Has view: Yes
  • View description: City,Mountain(s)
  • Residential vegetation: Cleared

Lot

  • Lot size: 5,227 sqft
  • Features: Level

Parking

  • Total spaces: 7
  • 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

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Inland Flooding
Tornado
Hail
Ice Storm
Landslide
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 $3,936$47,232
Home Insurance *$310$3,720
Property Taxes $1,554$18,648
Electricity $219$2,637
Total$6,019$72,228
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,365/yr
40% on housing$180,570/yr
45% on housing$160,506/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: 6.3%
6.3%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 9.5%
9.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$450This listing

vs Other Active Listings

Avg $/sqft

ZIP 30525$241
Rabun County$273

vs Homes Sold Last Month

Median $/sqft

ZIP 30525
Rabun County$346

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
2026-02-21Listed for sale$778,500
2023-04-25Sold$300,000

For Sale by Agent

AgentNancy Thorpe
BrokerageMountain Sotheby's International

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