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280 Stonebank Rd, Clarkesville, GA, 30523

2beds
2baths
1,144sqft
$225,000
$197price/sqft
$1,804/moest. monthly cost
$72,160/yrincome needed

About This Home

The perfect fixer upper. Offers almost 3 acres unrestricted, wood interior, could be a 2 bathroom home, the master bath has plumbing in place, just need fixtures. Private backyard, with a stream along one side. Workshop. With some cleanup this will be the perfect country living home. BRING ALL OFFERS

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
7/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1991

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Mud Room

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Partial,Unfinished

Bedrooms & Bathrooms

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

Features

  • Master On Main Level
  • Flooring: Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 1,144

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 1,144
  • Total interior livable area: 1,144 sqft

Kitchen

  • Features: Country Kitchen

Property

Details

  • Parcel number: 020 025
  • Special condition: As Is

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,Porch,Screened
  • Fencing: Privacy,Wood
  • On waterfront: Yes
  • Waterfront features: Stream
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 2.99 Acres
  • Features: Sloped

Parking

  • Total spaces: 6
  • Parking features: Kitchen Level,Side/Rear Entrance

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
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Inland Flooding
Ice Storm
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 $1,137$13,644
Home Insurance *$100$1,200
Property Taxes $348$4,176
Electricity $219$2,637
Total$1,804$21,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$61,851/yr
40% on housing$54,120/yr
45% on housing$48,106/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: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$197This listing

vs Other Active Listings

Avg $/sqft

ZIP 30523$217
Habersham County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 30523$209
Habersham County$197

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
2026-05-08Price change$225,000
2026-02-24Listed for sale$230,000
2026-02-20Pending sale$230,000
2026-01-23Price change$230,000
2025-10-30Listed for sale$237,500
2016-06-29Sold$42,000
2016-06-01Pending sale$42,000
2016-03-19Listed for sale$42,000
2015-10-01Listing removed$35,000
2015-09-12Listed for sale$35,000
2015-09-11Pending sale$35,000
2015-09-04Price change$35,000
2015-07-14Price change$45,000
2015-07-10Price change$52,000
2015-06-22Listed for sale$55,000
2015-03-03Sold$95,000

For Sale by Agent

AgentBonnie Mull
BrokerageBonnie Mull Realty, Inc.

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