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821 S Oak St, Valdosta, GA, 31601

4beds
4baths
2,160sqft
$99,900
$46price/sqft
$867/moest. monthly cost
$34,680/yrincome needed

About This Home

4 Investment properties in Valdosta 1 is rented for $300 per month other 3 are vacant. All 4 units need a major renovation.

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

5/10
Pinevale Elementary SchoolGrades PK-50.7 mi
4/10
Newbern Middle SchoolGrades 6-83.5 mi
4/10
Valdosta High SchoolGrades 9-124.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Asphalt
  • Construction materials: Wood Siding,Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Water Heater (Electric)

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4

Features

  • Window features: Blinds

Heating & Cooling

  • Heating features: Other
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,160
  • Total interior livable area: 2,160 sqft

Property

Details

  • Parcel number: 0120c048

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch
  • Waterfront features: None

Lot

  • Lot size: 0.28 Acres

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
    HurricaneModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hurricane
Lightning

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
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 $505$6,060
Home Insurance *$80$960
Property Taxes $63$756
Electricity $219$2,637
Total$867$10,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$34,680/yr
35% on housing$29,725/yr
40% on housing$26,010/yr
45% on housing$23,120/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: 6.4%
6.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$46This listing

vs Other Active Listings

Avg $/sqft

ZIP 31601$107
Lowndes County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 31601$116
Lowndes County$146

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
2026-06-04Listed for sale$99,900

For Sale by Agent

AgentRichard Keen
BrokerageKeen Realty
Phone229-686-7839
View on Zillow

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