Pending Single Family Residence
$120,000
3-Bedroom Home in Summerville North

562 Highland Avenue, Summerville, GA 30747

Single Family Residence in Summerville North · No CDD on record
Summerville North · Summerville, GA 30747 · Chattooga County
Listing data updated October 7, 2026 at 8:22 AM ET · checked against the MLS hourly
3Bedrooms
1Bathrooms
870Sq Ft
1977Year Built
$138Per Sq Ft
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
47% above
$/sq ft vs community
$138 here vs $94 median sold (12 mo)
Buyer leverage
Strong seller market
28 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 12
Price vs recent sales
Asking $120k tops 3 of the last 12 closed sales

Sources: Georgia MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 7, 2026, 562 Highland Avenue in Summerville North, Summerville is listed at $120,000 (870 sq ft, about $138 per sq ft). That is 41% above Summerville North's median closed sale of $85,000 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $94/sq ft by about 47%. It has been 28 days on market. Listing facts: built in 1977, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1977 · 49 yrs
  • 870 sq ft of living area
  • Listed at $120,000 — recent neighborhood median sale price ~$85,000 (nearby sales; deemed reliable, not an appraisal)
  • 28 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Move-in ready in the heart of Summerville Welcome to 562 Highland Avenue, a beautifully renovated 3-bedroom, 1-bath bungalow that pairs classic charm with a top-to-bottom modern refresh. At 870 square feet, every inch has been thoughtfully updated, so all that is left to do is unpack. Step inside to find brand-new drywall, fresh paint, and luxury vinyl flooring throughout, with newer windows that pour in natural light and help keep energy bills low.

The fully renovated kitchen, the true heart of the home, features all-new cabinetry and countertops, ready for everything from weeknight dinners to weekend gatherings. The upgrades you cannot see matter just as much. A newly replaced sub-roof with 30-year-plus architectural shingles, a warrantied HVAC system, and maintenance-free vinyl siding mean years of comfort and curb appeal without the upkeep costs.

Best of all, this is a rare chance to own in Summerville for well under $135,000. With all the major updates already done and nothing left to fix, 562 Highland offers true move-in-ready ownership at one of the most accessible prices in the area. Whether you are buying your first place, right-sizing, or adding to your portfolio, a turnkey home at this price point does not come along often, so it is built to go quickly.

Schedule your showing today.

All 31 photos

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Description provided by Samantha Lusk & Associates Realty and reproduced from the MLS; not independently verified.

Listing courtesy of Samantha Lusk & Associates Realty · Listing agent: Michael Stowers · 706-629-3007Provided via the Georgia MLS (GAMLS) Internet Data Exchange · Source: Georgia MLS (GAMLS) · © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$120,000
Bed / bath3 / 1
Living area870 sq ft
Year built1977
Property typeSingle Family Residence
MLS #10795345
Listing statusPending

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~668 ft
CountyChattooga
Area listings0 active · 1 under contract
Estimated first-year tax~$1,260/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$138
Estimated monthly payment$827
Insurance (illustrative)$500–$1k/yr
Comparable-sales median$85,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$827/mo
  • Principal & interest $657/mo 79%
  • Taxes $105/mo 13%
  • Insurance $65/mo 8%

$827/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$1,260/yr

Estimate: a typical Chattooga effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$500–$1k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
~668 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Chattooga County, GA: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery Low
Inland floodingRelatively Low
Heat waveVery Low
WildfireVery Low
TornadoRelatively Moderate
LightningRelatively Low
Strong windRelatively Low
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Summerville North

Pricing & the Summerville North market

How this home is priced against recent nearby sales, and where Summerville North has been over 25 years. Momentum Research analysis of Georgia MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales65 VIOLET Lane65 VIOLET Lane: $19/sq ft$19155 Scoggins Street155 Scoggins Street: $94/sq ft$94775 Union Street775 Union Street: $132/sq ft$132This homeThis home: $138/sq ft$138Community median $94
Property timeline

This home’s history

  • 1977BuiltPer public record
  • Sep 2, 2026First seen on movewithmomentum.comObserved at $120,000
  • NowUnder contractCurrently pending

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $120,000Momentum Realty · on market 28 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

3 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 3 sales: $85,000 ($94/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$72,210the mess$91,350

Directional estimate — 3 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $120,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1977 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 0 active listings competing, 1 under contract
  • 1 closed here in the last 12 months

For reference, this home is listed at $120,000 ($138/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 870 sq ft × $83–$105/sq ft (±12% around the median of 3 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 7, 2026.

Momentum Research

The Momentum read

🟡 Asking $138 per square foot, about 47% above the community’s $94 median. Summerville North’s 12-month median sold price per square foot is $94. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by Samantha Lusk & Associates Realty · MLS # 10795345

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Keep looking

Similar homes for sale near Summerville North

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Just listed: new homes for sale in this area in the last 48 hours · updated hourly · RSS · This area market today: new listings, price cuts, pendings

Go deeper

More on Summerville North

Go deeper on Summerville North

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Chattooga County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

MasseyAssigned elementary school · Chattooga County School District
SummervilleAssigned middle school · Chattooga County School District
ChattoogaAssigned high school · Chattooga County School District
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

City
Summerville

Groceries, dining, and parks for this city — see the city guide.

County
Chattooga

Schools, taxes, and services are county-administered — see the county guide.

Community
Summerville North

Amenities and HOA/CDD detail on the neighborhood guide.

View →
Before you decide

Buyer research checklist

Items worth confirming for 562 Highland Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1977 (49 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • Get a homeowners insurance quote for this specific address in Chattooga County; age of roof and any prior claims affect the premium.
  • Listed living area is 870 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $1,260/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordGeorgia MLS, checked against the MLS hourly (last: October 7, 2026)
Comparable salesGeorgia MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 562 Highland Avenue and when was it built?

Per the listing record, 562 Highland Avenue was built in 1977 and has 870 sq ft of living area, 3 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 562 Highland Avenue in?

562 Highland Avenue is in Summerville North in Summerville, Chattooga County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 562 Highland Avenue have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

How are property taxes on 562 Highland Avenue estimated?

The estimate on this page (about $1,260 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.

Is 562 Highland Avenue in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Georgia MLS (GAMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Georgia MLS (GAMLS). © 2026 Georgia MLS. Information is deemed reliable but is not guaranteed. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.