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450 N Clarks Creek Rd, Martin, GA, 30557

4beds
4baths
2,388sqft
$374,900
$157price/sqft
$2,894/moest. monthly cost
$115,760/yrincome needed

About This Home

Welcome to 450 N. Clarks Creek Road in Martin, Georgia, an updated all-brick ranch set on two peaceful acres, offering space, privacy, and a long list of modern upgrades! With four bedrooms and three-and-a-half baths, this home is truly move-in ready and designed for comfortable everyday living. Inside, you'll find a thoughtfully improved interior featuring fresh paint, updated lighting, new ceiling fans, and a layout that offers both open gathering spaces and room to spread out. The kitchen has been upgraded with quartz countertops, creating a bright and timeless feel, while the primary suite provides a relaxing retreat with a spacious walk-in closet and a refreshed bathroom. Major system updates have already been taken care of, including a new roof, tankless water heater, whole-home generator, upgraded electrical panel, added insulation, and gutters with leaf guards-giving peace of mind for years to come. Step outside and enjoy everything this property has to offer. A newly built deck is perfect for relaxing or entertaining, while the covered pavilion creates an ideal outdoor gathering space. Additional features include a detached one-car garage, a separate carport for boat storage, and a storage shed for tools and equipment. Conveniently located just minutes from Lake Hartwell and a short drive to downtown Toccoa, this property offers the best of quiet country living with easy access to nearby amenities. This is a great opportunity to own a fully updated home with acreage.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

5/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1977

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,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: In Hall

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • Master On Main Level,Walk-In Closet(s)
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 2,388

Heating & Cooling

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

Interior Area

  • Total structure area: 2,388
  • Total interior livable area: 2,388 sqft

Property

Details

  • Parcel number: 042 069

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 2 Acres
  • Features: Open Lot,Other

Parking

  • Parking features: Detached,Garage
  • Has garage: 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 WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
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 $1,895$22,740
Home Insurance *$235$2,820
Property Taxes $532$6,384
Electricity $232$2,784
Total$2,894$34,728
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,222/yr
40% on housing$86,820/yr
45% on housing$77,173/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.5%
1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$157This listing

vs Other Active Listings

Avg $/sqft

ZIP 30557$173
Franklin County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 30557
Franklin County$142

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
2026-04-29Price change$387,999
2026-04-02Listed for sale$395,000
2026-03-30Listing removed$449,000
2026-02-04Listed for sale$449,000
2026-02-04Listing removed$449,000
2026-02-02Listed for sale$449,000
2026-01-04Listing removed$459,900
2025-10-29Price change$459,900
2025-08-20Price change$487,000
2025-07-04Listed for sale$492,000
2022-05-23Sold$315,000

For Sale by Agent

AgentHaley Smith Herbert
BrokerageRE/MAX Signature

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