3 Bay St, Covington, GA, 30014
About This Home
BEAUTIFUL 2 bed/2 bath ranch home with large flex space in Porterdale's historic district. This home is walking distance from Porterdale's shops and restaurants as well as the Yellow River Park where there is a kayak launch, seasonal concerts and a disc golf course. This home is move-in ready with brand new LVP flooring, updated kitchen, freshly painted interior and exterior, brand-new oven/range, oversized bedrooms, high ceilings and much more! You will be located just minutes from the sought after Covington square as well. Qualifying first time homebuyers may be eligible for a $3,500 grant to help with down payment assistance. This won't last long, make an appointment to see this today!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1927
Materials
- Foundation: Pillar/Post/Pier
- Roof: Composition
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Electric Cooktop,Electric Oven,Electric Water Heater
- Laundry features: Mud Room
Basement
- Basement: Crawl Space
Bedroom
- Features: Master on Main
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 2
Dining Room
- Features: Seats 12+
Features
- Bookcases,High Speed Internet
- Window features: Wood Frames
- Flooring: Hardwood
- Number of fireplaces: 2
- Fireplace features: Living Room,Master Bedroom
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,560
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 1,560
- Total interior livable area: 1,560 sqft
Kitchen
- Features: Kitchen Island
Master Bathroom
- Features: Other
Master Bedroom
- Features: Master on Main
- Level: Master on Main
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: P001000000050000
- Other equipment: None
- Horse amenities: None
Features
- Levels: One
- Stories: 1
- Pool features: None
- Patio & porch: Front Porch
- Exterior features: None,No Dock
- Spa features: None
- Fencing: None
- Has view: Yes
- View description: City
- Waterfront features: None
- Waterbody name: None
Lot
- Lot size: 4,791 sqft
- Features: Level
Parking
- Parking features: On Street
- 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
- Lightning
- Strong Wind
- Tornado
- Cold Wave
- Hail
- Heat Wave
- Inland Flooding
- Ice Storm
How This Home’s Risks Compare
FEMA Declared Disasters Across Georgia Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $960 | $11,520 |
| Home Insurance * | $115 | $1,380 |
| Property Taxes | $134 | $1,608 |
| Electricity | $219 | $2,637 |
| Total | $1,428 | $17,136 |
Income You'd Need if You Spent...
Georgia FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-17 | Price change | $189,900 |
| 2025-10-08 | Price change | $194,900 |
| 2025-07-23 | Price change | $199,900 |
| 2025-06-16 | Price change | $207,500 |
| 2025-05-20 | Price change | $212,500 |
| 2025-04-15 | Price change | $214,900 |
| 2025-02-14 | Price change | $220,000 |
| 2025-02-03 | Listed for sale | $225,000 |
| 2016-02-10 | Sold | $32,000 |
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