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440 Ocilla Hwy, Fitzgerald, GA, 31750

3beds
3baths
5,434sqft
$1,650,000
$304price/sqft
$12,224/moest. monthly cost
$488,960/yrincome needed

About This Home

A Timeless South Georgia Masterpiece Just 2 miles south of Fitzgerald, this remarkable 45.827-acre estate combines timeless architecture, modern upgrades, and beautifully maintained land. Designed in 1999 by Jack Wilson, partner of renowned architect Frank McCall, the custom two-story residence offers 5,434 heated sq. ft. with three bedrooms, 2.5 baths, wide heart-pine flooring, detailed moldings, and four masonry fireplaces. Expansive front and rear porches, a 702-sq-ft attached garage, and a porte cochere enhance the exterior. Inside, the home features a grand foyer with Scandinavian chandeliers, a paneled library with fireplace, elegant dining and living rooms, and French doors opening to the porches. The newly updated gourmet kitchen includes Thermador appliances, a built-in plumbed coffee system, dual dish drawers, crushed-ice maker, custom heart-pine cabinetry, walk-in pantry, and new lighting throughout. Upstairs, the primary suite offers a 16' x 19' bedroom with fireplace, a luxurious bath and closet suite with new finishes, dual vanities, frameless shower, soaking tub, and two walk-in closets. Two additional large bedrooms share an updated full bath. A spacious upstairs hall provides optional office or media space. The professionally landscaped grounds are fully fenced with wood plantation fencing. The property features an enclosed pecan orchard, a separate 4-acre pasture, and a scenic 5-acre pond. Two deep wells-one 5 HP residential well and one agricultural well-support the home and extensive irrigation systems, including 16 total sprinkler zones. A new automatic security gate provides convenient, secure entry. Additional highlights include a serviced residential elevator, new downstairs 5-ton HVAC system with ductwork, updated upstairs HVAC components, and replaced registers and grilles. This property is a rare combination of acreage, craftsmanship, and modern amenities-ideal for a private estate, equestrian use, event venue or refined country living.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

4/10
5/10
4/10
Fitzgerald High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1999

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Water Heater,Ice Maker,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Mud Room

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Dining Room

  • Features: Seats 12+,Separate Room

Features

  • Bookcases,Double Vanity,High Ceilings,Separate Shower,Soaking Tub,Walk-In Closet(s),Wet Bar
  • Flooring: Hardwood
  • Number of fireplaces: 4
  • Fireplace features: Family Room,Living Room,Masonry,Master Bedroom
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 5,434

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,434
  • Total interior livable area: 5,434 sqft

Kitchen

  • Features: Breakfast Area,Breakfast Bar,Kitchen Island,Pantry,Solid Surface Counters,Walk-in Pantry

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 71038C

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch
  • Exterior features: Sprinkler System
  • Fencing: Wood
  • Has view: Yes
  • View description: Lake,Seasonal View
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Frontage type: Lakefront

Lot

  • Lot size: 45.82 Acres
  • Features: Pasture

Parking

  • Total spaces: 4
  • 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

  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Drought
Hurricane
Lightning
Strong Wind

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $8,343$100,116
Home Insurance *$2,117$25,404
Property Taxes $1,237$14,844
Electricity $527$6,335
Total$12,224$146,688
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$419,108/yr
40% on housing$366,720/yr
45% on housing$325,973/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.5%
-3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$304This listing

vs Other Active Listings

Avg $/sqft

ZIP 31750$98
Ben Hill County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 31750$85
Ben Hill County$80

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
2026-03-19Price change$1,650,000
2025-11-14Listed for sale$1,750,000

For Sale by Agent

AgentLindy Bengston
BrokerageKeller Williams Georgia Communities

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