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108 3rd St, Monroe, GA, 30655

2beds
1baths
974sqft
$264,900
$272price/sqft
$1,849/moest. monthly cost
$73,960/yrincome needed

About This Home

Charming, remodeled bungalow in the heart of downtown Monroe! This beautifully updated 2 bed, 1 bath home blends classic character with modern comfort, all within walking distance of Monroe's shops, dining, and festivities. Step inside to an open, light filled layout featuring new flooring, paint and upgrades galore. Two spacious bedrooms and an updated bathroom all move in ready status. Outside enjoy the one car garage with a large level backyard perfect for entertainment, gardening and future expansion. First time homebuyers, downsizing or looking for an investment in Monroe's thriving downtown district, this home delivers charm, convenience and value.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

8/10
7/10
Youth Middle SchoolGrades 6-88.3 mi
6/10
Walnut Grove High SchoolGrades 9-129.6 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1905

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow/Cottage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Oven/Range (Combo)
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • High Ceilings,Master On Main Level,Soaking Tub
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 974

Heating & Cooling

  • Heating features: Heat Pump
  • Cooling features: Central Air

Interior Area

  • Total structure area: 974
  • Total interior livable area: 974 sqft

Property

Details

  • Parcel number: M0180101

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch
  • Exterior features: Garden
  • Residential vegetation: Grassed

Lot

  • Lot size: 6,969 sqft
  • Features: City Lot

Parking

  • Parking features: Garage,Garage Door Opener,Parking Pad
  • Has garage: Yes
  • Has uncovered spaces: 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

  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Ice Storm
Lightning
Strong Wind
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 $1,339$16,068
Home Insurance *$133$1,596
Property Taxes $158$1,896
Electricity $219$2,637
Total$1,849$22,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,394/yr
40% on housing$55,470/yr
45% on housing$49,306/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: 6.9%
6.9%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 30655$166
Walton County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 30655$203
Walton County$171

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
2026-08-05Price change$254,900
2026-07-10Price change$264,900
2026-06-12Listed for sale$274,900
2008-04-25Sold$55,000
2002-03-21Sold$49,000

For Sale by Agent

AgentAdrienne Dowdy
BrokerageThompson-Walton Associates

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