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109 Hemlock St, Fitzgerald, GA, 31750

2beds
2baths
960sqft
$114,900
$120price/sqft
$1,032/moest. monthly cost
$41,280/yrincome needed

About This Home

This 2-bedroom, 2-bath home offers easy living with a simple, functional layout. Inside, you'll find neutral tones and a natural flow between the living, dining, and kitchen areas. The kitchen features white cabinetry, ample storage, and a straightforward design suited for everyday use. Both bedrooms are comfortably sized, while the bathrooms offer practical layouts. Natural light filters in through multiple windows and French doors, adding brightness to the main living spaces. With a little vision, this property presents a great small renovation opportunity or a strong option for an investor looking to add to their portfolio.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
5/10
4/10
Fitzgerald High SchoolGrades 9-122.5 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1975

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Other,Oven/Range (Combo)
  • Laundry features: None

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Master On Main Level,Other
  • Flooring: Laminate
  • Finished area below ground: 0
  • Finished area above ground: 960

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 960
  • Total interior livable area: 960 sqft

Property

Details

  • Parcel number: 11 6 4 30
  • Special condition: As Is

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio

Lot

  • Lot size: 0.29 Acres
  • Features: None

Parking

  • Total spaces: 2
  • Parking features: Attached,Carport
  • 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Hurricane

FEMA Declared Disasters Across Georgia Counties

Hurricane
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 $580$6,960
Home Insurance *$147$1,764
Property Taxes $86$1,032
Electricity $219$2,637
Total$1,032$12,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,382/yr
40% on housing$30,960/yr
45% on housing$27,520/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: 5.7%
5.7%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -3.5%
-3.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 31750$106
Ben Hill County$106

vs Homes Sold Last Month

Median $/sqft

ZIP 31750$85
Ben Hill County$80

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
2026-05-11Price change$89,900
2026-05-08Price change$99,000
2026-05-01Price change$109,000
2026-04-16Price change$119,000
2026-04-10Listed for sale$130,000
2021-07-30Sold$110,000
2021-06-17Listed for sale$112,000
2017-10-17Sold$37,500
2011-06-29Sold$25,000

For Sale by Agent

AgentLindy Bengston
BrokerageKeller Williams Georgia Communities

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