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1055 Harden Bridge Rd, Commerce, GA, 30530

3beds
2baths
1,980sqft
$449,900
$227price/sqft
$3,338/moest. monthly cost
$133,520/yrincome needed

About This Home

Here is the home you have been waiting for! Proudly owned and meticulously maintained by the same family since its construction, this home showcases exceptional care and attention to detail throughout! This turnkey home boasts an inviting open-concept layout with a split-bedroom floor plan, custom finishes and timeless appeal. Endless expansion opportunities can be found in the full basement! A few finishing touches away from completion, this space offers the potential to add up to 3 additional bedrooms and a full bathroom, transforming the home into a spacious 6-bedroom, 3-bathroom residence while providing incredible flexibility for growing families, guests, or multi-generational living. Step outside where your children and/or animals are sure to enjoy the large yards! Enjoy the privacy and freedom of country-style living without sacrificing convenience. This property is ideally located just minutes from Interstate 85 and Highway 441 plus shopping, dining, and everyday conveniences at Banks Crossing, making this location hard to beat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
9
BikeSomewhat Bikeable

Schools

5/10
7/10
6/10
Banks County High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2020

Materials

  • Roof: Composition
  • Construction materials: Press Board

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range (Combo),Refrigerator
  • Laundry features: In Hall,Common Area

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Features: Dining Rm/Living Rm Combo

Features

  • Master On Main Level,Split Bedroom Plan,Walk-In Closet(s)
  • Flooring: Laminate
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,980

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,980
  • Total interior livable area: 1,980 sqft

Property

Details

  • Parcel number: B66 032F

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Deck

Lot

  • Lot size: 2 Acres
  • Features: Private

Parking

  • Parking features: 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Drought
Hail
Inland Flooding
Ice Storm
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 $2,274$27,288
Home Insurance *$156$1,872
Property Taxes $689$8,268
Electricity $219$2,637
Total$3,338$40,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,445/yr
40% on housing$100,140/yr
45% on housing$89,013/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$227This listing

vs Other Active Listings

Avg $/sqft

ZIP 30530$245
Banks County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 30530
Banks County$193

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)

No zestimate history available

Price History

DateEventPrice
2026-08-06Pending sale$449,900
2026-07-22Price change$449,900
2026-07-06Price change$459,900
2026-06-25Listed for sale$469,900

For Sale by Agent

AgentSydney Segars
BrokerageRE/MAX Signature

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