Sitting on just under an acre in McRae-Helena, Georgia, this three bedroom, two bathroom mobile home offers a modest 1,272 square feet with room to breathe outside. Built in 1978, it is currently off market, but properties like this one show up regularly in this corner of Telfair County and are worth understanding for anyone tracking affordable rural real estate.
Property Features
The home sits on 0.89 acres, offering a small yard without the upkeep of a large parcel. Construction details include a metal roof, wood exterior siding, and a pier foundation, with wall unit heating for climate control. At 1,272 square feet, the layout keeps things simple: three bedrooms and two bathrooms, suited for a small family, a first time buyer, or an investor looking for an entry level rental.
County tax records show a 2024 assessed value with a modest annual tax bill, and Zillow’s rental estimate for a home like this lands under a thousand dollars a month, reinforcing its profile as a low cost entry point rather than a high end purchase.
Financing Options
Manufactured and mobile homes on owned land like this one often qualify for different financing than site built houses, so buyers should confirm upfront which loan programs a lender supports. A USDA loan can be a strong fit for eligible rural buyers who meet income limits, often with no down payment required. FHA loans are commonly used for manufactured homes as well, typically requiring a down payment around three and a half percent, though the home must meet HUD’s foundation and anchoring standards. VA loans remain an option for eligible veterans, and conventional financing is available for buyers with stronger credit, though some conventional lenders are selective about older manufactured homes. For homes needing updates, an FHA 203k loan can roll renovation costs into the purchase financing.
Insurance Considerations
Insuring an older manufactured home has its own checklist. Buyers should confirm whether the home is properly anchored and tied down to current standards, since this affects both insurability and premiums. It is worth asking an agent about wind and storm coverage given the metal roof and wood exterior, and confirming the property’s flood zone status before closing, since flood insurance requirements can vary block by block in rural Georgia counties.
Due Diligence Checklist
- Confirm current market status and verify the home is not encumbered by liens or back taxes
- Have the foundation and pier system inspected for stability and proper anchoring
- Check the age and condition of the roof, plumbing, and electrical systems given the 1978 build date
- Verify well and septic systems, if applicable, and confirm they meet current health code standards
- Order a title search and boundary survey for the 0.89 acre lot
- Confirm the property’s flood zone designation with the county
- Review comparable sales and rental rates in McRae-Helena and Telfair County before making an offer
Local Market Context
McRae-Helena sits in Telfair County, an area where affordable, small acreage properties like this one turn over regularly among investors and first time buyers. With rental estimates under a thousand dollars a month and a low tax burden, homes in this range tend to attract buy and hold investors as much as owner occupants. Because this particular property is currently off market, interested buyers should track it or reach out to a local agent for updated status before assuming it is available.
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