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3863 Highway 105, Baldwin, GA, 30511

2beds
2baths
1,320sqft
$339,000
$257price/sqft
$2,456/moest. monthly cost
$98,240/yrincome needed

About This Home

Welcome home to this beautifully maintained **4-sided brick ranch** offering timeless charm, outstanding curb appeal, and peaceful country views. This lovingly cared-for home features **2 spacious bedrooms and 2 full bathrooms**, with generously sized rooms throughout that provide comfort and flexibility. The open kitchen flows seamlessly into the breakfast area, creating a warm and inviting space for everyday living. A gas furnace provides efficient heating, while an additional gas heater in one of the bathrooms offers extra comfort on chilly mornings. Major updates have already been completed, including **new windows and a new roof (2026)**, giving buyers peace of mind for years to come. Step outside to enjoy the beautifully landscaped yard, complete with a **two-car carport**, detached parking shed, and a productive **scuppernong vineyard** that adds a unique touch of Southern charm. Relax on the porch while taking in the picturesque pastoral views of neighboring pastures and grazing cattle, creating the peaceful country setting you've been dreaming of. If you're looking for a home that's been exceptionally well maintained, offers beautiful outdoor spaces, and is truly move-in ready, this one is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Banks County Primary SchoolGrades PK-210.8 mi
7/10
6/10
Banks County High SchoolGrades 9-1211.9 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1982

Materials

  • Roof: Composition
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Brick 4 Side
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Oven/Range (Combo),Washer
  • Laundry features: Common Area

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Master On Main Level
  • Flooring: Carpet,Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,320

Heating & Cooling

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

Interior Area

  • Total structure area: 1,320
  • Total interior livable area: 1,320 sqft

Kitchen

  • Features: Breakfast Area

Property

Details

  • Parcel number: B57 015

Features

  • Levels: One
  • Stories: 1
  • Residential vegetation: Grassed

Lot

  • Lot size: 1.28 Acres
  • Features: Sloped

Parking

  • Total spaces: 2
  • Parking features: Carport,Kitchen Level,Parking Pad,Parking Shed
  • Has uncovered spaces: Yes
  • Carport: 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

  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado
Drought
Hail
Inland Flooding

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 $1,714$20,568
Home Insurance *$119$1,428
Property Taxes $404$4,848
Electricity $219$2,637
Total$2,456$29,472
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,205/yr
40% on housing$73,680/yr
45% on housing$65,493/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: 6.8%
6.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 30511$181
Banks County$173

vs Homes Sold Last Month

Median $/sqft

ZIP 30511
Banks County$193

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
2026-07-29Listed for sale$339,000

For Sale by Agent

AgentJoni Scott
BrokerageHammock Realty North Georgia

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