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81 Valley Rd, Colbert, GA, 30628

4beds
3baths
2,435sqft
$499,000
$205price/sqft
$3,888/moest. monthly cost
$155,520/yrincome needed

About This Home

Experience the charm of this beautifully designed 3-bedroom, 2.5-bath home with a private bonus room and finished basement, situated on 4.8 beautifully landscaped acres. The split-bedroom floor plan provides privacy and functionality, with hard surface flooring in the main living areas and bedrooms, offering durable and easy maintenance. Upon entry, a welcoming foyer with arched openings leads naturally into the living room with a gas fireplace, the dining room highlighted by tray ceilings, and a hallway where two bedrooms and a full bathroom are located. The kitchen and breakfast area overlook the screened-in porch, open deck and backyard. The layout continues into a family foyer that serves as a functional everyday entry from the garage, complete with a laundry closet and a private staircase leading to a finished bonus room suitable for additional living space, office use, or flexible needs. Just off the family foyer, the spacious primary suite offers a relaxing retreat with tray ceilings and an en suite bath featuring a double vanity, walk-in shower, and deep soaking jetted tub. The finished basement is accessed through a private hallway near the garage entry and expands the home's usable space with a half bath, offering flexibility for recreation, fitness, media, or multi-purpose use. Outdoor living includes a screened-in porch and open deck overlooking the landscaped property, along with a storage building, two private water wells, a water filtration system, and a vapor barrier under the home. Schedule your private showing today to experience everything this 4.8-acre property has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

6/10
5/10
6/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2000

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,Electric Water Heater,Oven/Range (Combo),Refrigerator
  • Laundry features: Common Area,Mud Room,Laundry Closet

Basement

  • Has basement: Yes
  • Basement: Bath Finished,Concrete,Exterior Entry,Finished

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Room

Features

  • Double Vanity,Master On Main Level,Roommate Plan,Separate Shower,Soaking Tub,Split Bedroom Plan,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Hardwood,Laminate,Tile
  • Finished area below ground: 575
  • Finished area above ground: 1,860

Heating & Cooling

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

Interior Area

  • Total structure area: 2,435
  • Total interior livable area: 2,435 sqft

Property

Details

  • Parcel number: 0070 073

Features

  • Levels: Three Or More
  • Stories: 3
  • Patio & porch: Deck,Porch,Screened
  • Has spa: Yes
  • Spa features: Bath
  • Residential vegetation: Grassed,Partially Wooded

Lot

  • Lot size: 4.80 Acres
  • Features: Level,Private

Parking

  • Parking features: Carport,Garage,Garage Door Opener,Parking Pad
  • Has garage: Yes
  • 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
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado
Drought
Hail
Hurricane
Heat Wave
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 $2,523$30,276
Home Insurance *$163$1,956
Property Taxes $966$11,592
Electricity $236$2,838
Total$3,888$46,656
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$133,302/yr
40% on housing$116,640/yr
45% on housing$103,680/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$205This listing

vs Other Active Listings

Avg $/sqft

ZIP 30628$193
Madison County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 30628
Madison County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-22Listed for sale$499,000

For Sale by Agent

AgentMisty Berryman
BrokerageeXp Realty

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