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10117 Commerce St, Summerville, GA, 30747

2beds
3baths
3,930sqft
$249,000
$63price/sqft
$2,001/moest. monthly cost
$80,040/yrincome needed

About This Home

Prime mixed-use investment opportunity in the heart of Downtown Summerville! Located at 10117 Commerce Street, this income-producing property offers excellent visibility and a central location directly beside the historic Tooga Theatre. The approximately 4,000-square-foot building features around 2,000 square feet of commercial space on the ground floor, complete with a restroom and a flexible layout suitable for retail, office, restaurant, studio, or professional use. Upstairs, an approximately 2,000-square-foot loft apartment offers two bedrooms and one-and-a-half bathrooms and is currently tenant occupied. With commercial and residential space under one roof, this property provides multiple potential income streams in one of Downtown Summerville's most prominent locations.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

3/10
5/10
5/10
Chattooga High SchoolGrades 9-121.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1946

Materials

  • Roof: Other
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Brick 4 Side
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven/Range (Combo),Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 1
  • 1/2 bathrooms: 2

Features

  • High Ceilings
  • Flooring: Carpet,Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 3,930

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Other,Window Unit(s)

Interior Area

  • Total structure area: 3,930
  • Total interior livable area: 3,930 sqft

Property

Details

  • Parcel number: 00S270000002400A

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 2,613 sqft
  • Features: Level

Parking

  • Parking features: Off Street

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 WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Inland Flooding
Lightning
Strong Wind
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 $1,259$15,108
Home Insurance *$214$2,568
Property Taxes $147$1,764
Electricity $381$4,581
Total$2,001$24,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,605/yr
40% on housing$60,030/yr
45% on housing$53,360/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

$63This listing

vs Other Active Listings

Avg $/sqft

ZIP 30747$182
Chattooga County$192

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
2026-08-03Listed for sale$249,000
2026-07-22Listing removed$295,000
2026-06-25Price change$295,000
2026-05-23Price change$325,000
2026-04-28Price change$375,000
2026-03-05Price change$394,900
2025-11-27Listed for sale$399,900
2025-11-23Listing removed$950
2025-11-12Price change$950
2025-11-11Listing removed$399,900
2025-10-24Listed for sale$399,900
2025-10-21Listed for rent$975

For Sale by Agent

AgentAmanda M King
BrokerageHardy Realty & Development Company

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