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401 River Oaks Drive #401, Richmond Hill, GA, 31324

3beds
2baths
2,408sqft
$435,000
$181price/sqft
$2,946/moest. monthly cost
$117,840/yrincome needed

About This Home

Experience refined waterfront living in River Oaks, an exclusive gated community on the Ogeechee River in Richmond Hill with deep water dock pool and beautiful clubhouse. Beautifully maintained first-floor condo offers 2,408 square ft of thoughtfully designed living space with soaring 10-foot ceilings & open floor plan. The spacious kitchen features a Huge breakfast bar that flows seamlessly into the dining & living areas. ideal for both everyday living and entertaining. Split-bedroom layout includes three bedrooms, two baths, & private office. The expansive primary suite offers double vanities, a soaking tub, separate shower, & walk-in closet. Relax on the screened-in porch overlooking wooded area. Additional highlights include an oversized double garage & ample storage. River Oaks delivers resort-style amenities, including a clubhouse, pool, hot tub, fitness center, grilling areas, marina, deep-water dock access, fire pit & stunning river views . Enjoy low-maintenance living just minutes from Richmond Hill schools, shopping, and Savannah.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2006

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Traditional
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Disposal,Microwave,Oven,Range,Refrigerator,Self Cleaning Oven
  • Laundry features: Laundry Room,Washer Hookup,Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • Built-in Features,Breakfast Area,Tray Ceiling(s),Double Vanity,Entrance Foyer,Gourmet Kitchen,Garden Tub/Roman Tub,High Ceilings,Kitchen Island,Main Level Primary,Primary Suite,Pantry,Recessed Lighting,Split Bedrooms,Separate Shower
  • Number of fireplaces: 1
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,408
  • Common walls with other units/homes: 2+ Common Walls

Heating & Cooling

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

Interior Area

  • Total interior livable area: 2,408 sqft

Property

Accessibility

  • Accessibility features: Accessible Full Bath,No Stairs,Accessible Approach with Ramp

Details

  • Parcel number: 060118301
  • Attached to another structure: Yes
  • Zoning: CITY
  • Zoning description: Multi Family
  • Special condition: Standard

Features

  • Pool features: Community
  • Patio & porch: Covered,Patio
  • Exterior features: Dock
  • Has view: Yes
  • View description: Trees/Woods
  • On waterfront: Yes
  • Waterbody name: Ogeechee River

Lot

  • Features: Back Yard,None,Private,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener,Kitchen Level,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Heat Wave
Inland Flooding
Lightning
Tornado
Wildfire
Tsunami

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 $2,199$26,388
Home Insurance *$235$2,820
Property Taxes $279$3,348
Electricity $233$2,807
Total$2,946$35,352
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,005/yr
40% on housing$88,380/yr
45% on housing$78,560/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: 4.9%
4.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.8%
3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 31324$244
Bryan County$224

vs Homes Sold Last Month

Median $/sqft

ZIP 31324$198
Bryan County$200

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
2026-04-13Price change$435,000
2026-03-10Price change$439,900
2026-01-01Listed for sale$449,000

For Sale by Agent

AgentTeresa H. Cowart, RE/MAX Accent
BrokerageRE/MAX Accent

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