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191 Derby St, Athens, GA, 30601

2beds
3baths
1,360sqft
$315,000
$232price/sqft
$2,178/moest. monthly cost
$87,120/yrincome needed

About This Home

In town craftsman style home less than 1 mile to downtown Athens. This home is technically a 2 bedroom home with additional storage/extra closet space used as a nursery. Home is sold as-is. The shed does not remain with said property.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

2/10
Gaines Elementary SchoolGrades PK-52.2 mi
3/10
Hilsman Middle SchoolGrades 6-82.1 mi
2/10
Cedar Shoals High SchoolGrades 9-122.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Refrigerator
  • Laundry features: Laundry Closet

Basement

  • Basement: None

Bedrooms & Bathrooms

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

Features

  • Other
  • Flooring: Carpet,Hardwood,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,360

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,360
  • Total interior livable area: 1,360 sqft

Kitchen

  • Features: Pantry

Property

Details

  • Parcel number: 172A4 E001I

Features

  • Levels: Two
  • Stories: 2

Lot

  • Features: Level

Parking

  • Parking features: None

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

  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
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 $1,592$19,104
Home Insurance *$142$1,704
Property Taxes $225$2,700
Electricity $219$2,637
Total$2,178$26,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,674/yr
40% on housing$65,340/yr
45% on housing$58,080/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: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 30601$195
Clarke County$184

vs Homes Sold Last Month

Median $/sqft

ZIP 30601
Clarke County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-06Price change$300,000
2026-07-15Price change$315,000
2026-07-08Listed for sale$350,000
2015-07-02Sold$127,500
2015-06-06Pending sale$124,900
2015-05-28Price change$124,900
2015-05-05Price change$126,900
2015-04-14Listed for sale$129,900
2004-03-18Sold$110,500

For Sale by Agent

AgentTeresa Hartford
BrokerageCozart Realty

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