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Augusta-Richmond and Columbia Counties

Fort Gordon_2019 Housing & Real Estate Augusta-Richmond and Columbia Counties

Living at Fort Gordon Family Homes affords a wealth of benefits that are hard to match beyond the gates. The moment you tour the community, you’ll discover the built-in family atmosphere where you’ll be surrounded by support from military members and families alike. Many of the people hired to serve you are themselves former military members who have a unique understanding of your housing and lifestyle needs. All you need to do is choose from spacious, contemporary, move-in ready two, three and four bedroom homes, which offer features such as central heating and air conditioning, and energy efficient appliances. Don’t worry; the community is pet friendly and welcomes your family pets!

The exclusive amenities and commitment to customer service set Fort Gordon Family Homes apart, and you can count on on-site maintenance and management teams to resolve emergencies 24/7. And in times of natural disaster, the entire team will work together non-stop to return your lives and homes back to normal as soon as possible.

You’re invited to take part in the award-winning LifeWorks resident program, which provides residents of all ages with a wide variety of fun and educational activities and events at no cost. Most utilities are included and you won’t experience any wait at the gate either. Because you’re living close to work, you’ll have more time at home, too, whether to relax or spend more time with family.

Your new home is waiting! Call the management office at 706-772-7041 or visit www.FortGordonFamilyHomes.com to find your perfect place!

LOCAL COMMUNITIES

A cost of living nearly 15 percent below the national average makes August-Richmond and Columbia counties an appealing place to live. In 2017, an estimated 197,166 people called Augusta-Richmond County home, while 151,579 resided in Columbia County, the U.S. Census Bureau says. Population density in Augusta-Richmond County was 618 people per square mile and 403 in Columbia County in 2015, the Census found.

Fort Gordon, in Augusta-Richmond County, is more than 16,000 people strong, and approximately 11 percent of personnel live off base in surrounding communities, according to the U.S. Housing and Urban Development’s Housing Market Analysis in 2013. Additionally, nearly 20,000 veterans live in Augusta-Richmond County and about 16,000 are in Columbia County.

The counties’ communities give newcomers plenty of choices when selecting a home. Enlist the help of a reputable real estate agent to help you sort through the area’s home options. The Georgia Association of Realtors is a central source of local real estate information and services. Visit https://www.garealtor.com to find expertise and professional services for those interested in purchasing a new home.

AUGUSTA-RICHMOND COUNTY

Augusta-Richmond County, a county that hugs the Georgia-South Carolina state lines, is over 302 square miles on the east side of Georgia. Augusta is about halfway up the Savannah River on the fall line, which creates a number of small falls on the river. The city marks the end of a navigable waterway for the river and the entry to the Georgia Piedmont area.

Augusta-Richmond County is linked to Atlanta to the west and Columbia, South Carolina, to the east by Interstate 20. Interstate 520 (Bobby Jones Expressway) runs from I-20 Exit 196 through Augusta’s western and southern suburban areas, eventually crossing the Savannah River to South Carolina where it becomes the Palmetto Parkway.

For more information, check out the Augusta Metro Chamber of Commerce website at www.augustametrochamber.com.

Communities in Augusta-Richmond County near Fort Gordon include Augusta and Hephzibah.

Augusta
www.augustaga.gov

Augusta is the city in the Augusta-Richmond city-county consolidation. It sits 150 miles east of Atlanta between Fort Gordon on the west and Columbia, South Carolina, on the east. The city’s 302.47 square miles are home to more than 197,000 residents. Augusta is the principal city of the Augusta-Richmond County Metropolitan Statistical Area, which as of 2014 had an estimated population of 583,632 making it the second-most-populous metro area in the state after Atlanta.

The city emerged after the turn of the 19th century as a winter escape for northerners. Resorts and country clubs, including the heralded Augusta National Country Club, opened at that time. During most of the year, Augusta is a tranquil, mid-sized Southern city with varied small industry and commercial activity. In April, the Masters Tournament brings worldwide attention and crowds. People with nicer homes rent them to visiting dignitaries and executives.

Aside from golf, the city offers history and architectural interest and even a minor-league baseball team. Cost of living is low for the state and reasonable for this type of town. Downtown is plain with a few historic buildings, but a recent revitalization effort brought some riverfront arts and entertainment amenities and a monthly festival. The area is overall quiet, and additional entertainment and cultural amenities and air service are available in Columbia and Atlanta.

Augusta is along the Savannah River between the Piedmont Plateau and the Coastal Plain. The city is in a narrow river plain with wooded rolling hills up to 200 feet on all sides. Lowland is swampy especially to the southeast. Summers are hot and humid with thundershowers; strong storms can occur especially in spring. Because the Appalachian Mountains shield the city from extreme cold and storms from the northwest, winters are mild with rare measurable snow.

Homes in the area range from well-established neighborhoods to brand-new housing developments. Median rent is $814, and selected monthly owner costs of housing units with a mortgage are $1,071. Mean travel time to work for those living in Augusta is 20 minutes.

Hephzibah
https://georgia.gov/cities-counties/hephzibah

Hephzibah was originally named Brothersville, in honor of three brothers who settled near one another. In October 1860, a Baptist seminary was established in Brothersville by a group of Appling residents. They established the Hephzibah Baptist Church in 1862. The prominence of these new religious institutions in the area swayed the state of Georgia to rename the town Hephzibah in 1870.

This residential community is 19.41 square miles with a population of nearly 4,000. Mean travel time to work for those who reside in

Hephzibah is 29.3 minutes. Median rent in the city is $930, and houses are more affordable in the area compared with other parts in the state. For 2011-2015, the median cost of a home in Hephzibah was $117,000.

COLUMBIA COUNTY

As of 2016, the population of Columbia County was 147,450. The legal county seat is Appling, but the location of Columbia County’s government and courts is Evans.

Columbia County is included in the Augusta-Richmond County, GA-SC Metropolitan Statistical Area, and is currently one of the fastest-growing counties in the United States. As a result of healthy building activity, the county’s housing stock is comparatively new. Over half of all housing in the county has been built since 1990.

For more information, go to www.columbiacountyga.gov/home, or call 311 inside the county.

Communities in Columbia County include Evans, Grovetown and Martinez.

Evans
www.exploregeorgia.org/city/evans

Evans is a census-designated place (CDP) in eastern Columbia County, bordered to the northeast by the Savannah River, which forms the South Carolina state line. To the southeast is the CDP of Martinez. It is a suburb of Augusta and part of the Augusta metropolitan area. The population was 29,011 at the 2010 census, up from 17,727 a decade prior. The median household income in Evans is significantly higher than that of the county itself, with residents there earning $90,259 compared with $68,516. With higher pay comes a higher cost of living. Median rent in Evans is $1,529, and selected monthly owner costs of housing units with a mortgage are $1,708. Mean travel time to work 27 minutes.

Evans, possibly named after Confederate Gen. Clement A. Evans, is the de facto county seat of Columbia County, although Appling still holds the de jure designation. The Columbia County Government Center, the Government Complex Addition and the Columbia County Courthouse Annex are all in Evans.

Since the 1990s, there have been discussions by county officials to incorporate the county into a city. In 2005, talks of incorporating Columbia County into a city resurfaced when the Georgia state legislature abolished a 3-mile buffer zone between cities. However, it was referred to as consolidation, since counties in Georgia alone cannot incorporate but can rather consolidate with an existing municipality within the county. The initiative drew strong opposition from officials in Harlem and Grovetown, the county’s only municipalities, citing that it would keep their cities from growing. The idea of incorporation is back in hibernation for now.

Grovetown
www.cityofgrovetown.com

Grovetown is 15 miles east of Augusta on U.S. Highway 278 and borders Fort Gordon on the east. Grovetown has four welcome signs in its 4.82 square miles. They each say something different: “Come Grow With Us,” “Home of Teri Gibbs,” “A Friendly Little City” and “A Community that Cares.”

From the building of the Georgia Railroad, which passes through town, until at least the 1860s, the community was known as Belair. The city was chartered by the Georgia Legislature and officially incorporated in 1881. The name purportedly came from the old Grove Baptist Church that was founded in 1808.

With the construction of Camp Gordon (now Fort Gordon) in 1942, Grovetown experienced rapid growth; it was no longer a small agricultural town. Many military families looked to Grovetown for housing. Gradually more retired military saw the benefits of living in the small town and population began to grow and stabilize. The population reached about 14,100 in 2017, compared with 3,596 in 1990, with nearly 1,900 veterans residing there.

A variety of stores, dining establishments, schools and churches add to the town’s culture. Services include recreational facilities, a public safety department, two fire stations, water and sewer services, a senior center and museum.

Median rent is $1,119, and selected monthly owner costs of housing units with a mortgage are $1,226. Mean travel time to work for those living in Grovetown is 22 minutes.

Martinez
www.exploregeorgia.org/city/martinez

Martinez is bordered to the southeast by the city of Augusta. To the north and northwest is Evans. Interstate 20 forms the short southern boundary of Martinez. The city is 14.51 square miles with a population of nearly 36,000.

Martinez is home to the start of the Augusta Canal. Built in 1845, the headgates harnessed the power of the Savannah River, providing water and transportation to the city. The dam also powered many factories that sprung up along the canal.

The city’s founder was Jose Martinez y Saldivar, a wealthy man from Cuba. He bought a plantation in Columbia County and named it El Cordero Ranch (The Lamb Ranch). In the early 1890s, when Charleston and Western Railroad came through part of Columbia County en route to Spartanburg, South Carolina, a depot was established on the Martinez plantation. But it wasn’t called Martinez.

Delores, the youngest Martinez’s four daughters, was nicknamed Lula. And her father named the train stop Lulaville. Decades later, the post office refused to accept the name because there was another Lulaville in south Georgia.

So, the name was changed to Martinez. Although named for a Latino, this town is pronounced Martin-EZ rather in than in the traditional Spanish way.

In 2013, Martinez was named the eighth-best city to raise a family in Georgia by NerdWallet.com. Selected monthly owner costs of housing units with a mortgage are $1,269, and median rent is $1,004. Renters make up about 25 percent of those living in Martinez. Mean travel time to work is 22 minutes.

MCDUFFIE COUNTY

A little further afield from Fort Gordon, McDuffie County is bordered to the northeast by Clarks Hill Lake, with Wilkes and Lincoln counties to the north. Warren and Jefferson counties fit snuggly on the western and southern boundaries, and Columbia and Richmond link the county to Augusta on its eastern edge. McDuffie is home to about 21,000 residents within its 266 square miles. The city of Thomson is the county seat, but the entire county is generally considered part of the Augusta-Richmond metropolitan statistical area.

Thomson
www.exploregeorgia.org/city/thomson

Just a quick 30 miles west of Fort Gordon, Thomson is home to an estimated 6,678 people living on 4 square miles. Three main arteries — Interstate 20, State Route 223 and U.S. Highway 78 — connect the city to Fort Gordon and the larger Augusta-Richmond metro center to the east.

The county seat of McDuffie, Thomson is the quintessential Southern town, with a mild year-round climate perfect for outdoor activities and special events such as festivals, as well as attracting history buffs and antique hunters. Local restaurants and shops offer hospitality to residents and visitors alike.

The town, originally called Slashes, was founded in 1837 as a stop on the Georgia Railroad. Renamed for railroad official John Edgar Thomson in 1853, Thomson was incorporated as a city in 1870.

Thomson is home to one of the oldest documented houses in Georgia with its original design still intact. Built by Thomas Ansley in 1785, Old Rock House is said to be the home of ancestors of former President Jimmy Carter.

Today, selected monthly owner costs of housing units with a mortgage are $960, and median rent is $615. Mean travel time to work is 17 minutes.

Planning Your Move

Fort Gordon_2019 Housing & Real Estate Planning Your Move

Relocating to a new home can be one of the most stressful situations in life. Whether moving across town or the nation, preparation and organization make all the difference.

For military moves, visit www.move.mil for information about moving resources and to learn about the allowances and responsibilities of a military-sponsored move.

Decide whether or not to make your move a do-it-yourself operation.

For a DIY move, consider distance, labor help and the costs to rent the moving van, gas, lodging during the move and insurance. A transportable storage unit can bridge a professional and DIY move. When the unit is delivered to your residence, you load and secure it for transport and then unload it at your new residence.

Whatever the method, be sure to obtain as many quotes as possible from professional movers, as well as cost estimates for a DIY move. Next, compare the costs for each type of move, factoring in the stress and physical exertion involved. Ask any company you are interested in for references and use them to inquire about reliability and customer service.

Regardless of which method you choose, the first step should be to inventory your personal belongings. The list, with photographs of any valuables, will be important for both insurance purposes and to help keep you organized during transit.

Plan for one full day to pack each room — though the kitchen and garage may take longer. Make a rough estimate of your packing schedule and then add 50 percent more time. It always takes longer than predicted to pack. Toss or donate unused items to lighten your load. Visit www.goodwill.org, www.salvationarmyusa.org or www.clothingdonations.org for locations near you or to arrange a pickup.

Pack for success:

  • Consider what you are packing and control box weight. Books should go in small boxes while bedding can easily fill a larger box.
  • Wrap fragile items with cardboard dividers, tissue paper or air bubble wrapping.
  • Use bright colors when wrapping small items so they don’t get thrown out accidentally.
  • Use crumpled paper or newspaper to line the top and bottom of boxes.
  • Tape a copy of your inventory list to boxes to identify what’s inside and where it should go.

Buying Versus Renting

Fort Gordon_2019 Housing & Real Estate Buying Versus Renting

The decision to buy or rent is the most important step in your relocation process. Purchasing a home entails a long-term financial and emotional commitment with various pluses and minuses. Advantages include the possibility of building equity and the freedom to design and decorate your property or landscape. And don’t forget the tax benefits. Disadvantages include upkeep, property taxes and fluctuating property values.

Renting, on the other hand, makes moving easier and someone else maintains the property. Amenities such as laundry rooms, exercise rooms, swimming pools and tennis courts vary from one rental complex to another. The main disadvantage is a loss of control over the residence. Some complexes, for example, restrict or prohibit pets and personal touches such as painting. And the landlord or property managers can also raise the rent with proper notice.

To determine your best choice, account for all of your needs, review your financial situation and research your options thoroughly.

Finding an Apartment

Fort Gordon_2019 Housing & Real Estate Finding an Apartment

Be prepared when you meet with the leasing agent, property manager or owner. Bring a list of what you are looking for in a rental; it is important to be clear about your needs and to get all of your questions answered. You will also need to provide information and verification about your job, your income and your past rental history. Dress to make a good impression and treat the meeting like a job interview — be polite and arrive on time.

Before you sign a lease, inspect the apartment with the landlord. Look for the following problems:

  • Cracks, holes or damage in the floor, walls or ceiling.
  • Signs of leaking water, leaky fixtures or water damage.
  • Any signs of mold or pests.
  • Lack of hot water.
  • Inadequate heating or air conditioning.

Use a written checklist with the landlord to document the condition of the rental before you move in, and keep a copy of the completed checklist to use when you move out.

The Georgia Department of Community Affairs maintains a website — www.GeorgiaHousingSearch.org — that can be helpful for those trying to locate housing, or you can call them at 877-427-8844. Download the Georgia Landlord Tenant Handbook at www.dca.ga.gov/node/1915/documents/11.

Buying a Home

Fort Gordon_2019 Housing & Real Estate Buying a Home

Buying a home is a complex process and, as the recent housing crisis demonstrated, requires a thorough education on the part of the buyer. First, fully understand your financial position — credit score, available savings, monthly income and expenditures. Subtracting your expenditures from your income, for instance, will yield the amount you can afford for housing.

Cost Analysis

Be sure to account for all insurance costs associated with owning a home, possible homeowner association fees and property taxes in your monthly expenditures. Overall, loan rules changed in 2015, but according to www.ginniemae.gov (Government National Mortgage Association) and www.homebuyinginstitute.com (the Home Buying Institute) loan programs continue to vary on the percentage of your income that can be used for housing-related expenses. Lenders balance debt against income to decide if an applicant will be able to repay a loan. Most conventional loans require borrowers to have no more than 43 percent total monthly debt versus their total monthly income, though there are exceptions, such as for those with significant savings. The Federal Housing Administration has a two-tier qualifying system: FHA sets its top thresholds at 31 percent front-end debt (housing expenses as a percentage of income) and 43 percent back-end debt (all debt as a percentage of income) for a 31/43 qualifying ratio. Like commercial lenders, Veterans Affairs combines front-end and back-end debt for a 41 percent limit against income.

Next, research the different types of home loans to determine the right fit for your financial situation and discuss your options with a lending professional. Lenders are diverse today, and not all homebuyers obtain their mortgage loans through their banks and credit unions. For example, you may choose to work with an internet lender, a mortgage broker, a homebuilder or a real estate agency lender. To determine which lender is best for you, get recommendations from friends and family members and check credentials as well as Better Business Bureau ratings.

Credit Report

A preapproved loan before starting your search for a home can determine your spending limits and signal any potential issues in the way of receiving a loan. For any home loan application, the mortgage company will order a credit report, so it would be good to get a free report in advance to determine your credit status and make sure the report contains no erroneous information.

To order your free annual report from one or all of the national consumer reporting companies: Visit www.annualcreditreport.com and complete and submit the request form online.

Home Loan Application

To complete a home loan application you’ll need: photo IDs (such as a driver’s license); Social Security numbers; residence addresses for the past two years with landlord contact information if you rented; names and addresses of your employers for the past two years; your current gross monthly income; recent financial institution statements with names, addresses, account numbers and balances on all checking, savings, CDs, money market, bonds and mutual funds accounts; recent financial institution statements with names, addresses, account numbers, balances and monthly payments on all open loans (including student loans) and credit cards; addresses and loan information of all other real estate owned; estimated value of furniture and personal property; W2s for the past two years and current paycheck stubs; copies of all divorce decrees, child support documents or any other court proceedings that affect your financial status; verification of any child support payments; and evidence of any retirement or pension benefits. VA or military forms include: DD 214 (veteran), Form 22 (National Guard), DD 1747, Off-base Housing Authority (active duty) and Certificate of Eligibility (active duty).

For more information, visit www.consumer.ftc.gov/topics/credit-and-loans.

Knowing your monthly budget and the amount of your loan is invaluable during the next phase, especially finding the answers to questions before the hunt for a home begins.

Housing Hunting

First, determine your home preferences. Does a single-family house, condo, town house or duplex best fit your needs and budget? Do you prefer a new home, an existing home or to build one? Though new homes generally cost more, existing homes may come with maintenance issues and renovation costs. How many bedrooms and bathrooms would you like? Do you want an attached garage? Will you live in the city, a suburb or in the country? How close to work, school, shopping or public transportation do you want to be? Answers to these questions will greatly assist your search and the next stage — hiring a real estate agent.

The ideal agent will help find your ideal home and guide you through the purchase process. First, interview potential candidates to ensure they understand your needs, know your homebuying and neighborhood preferences, and are readily accessible.

Good luck and happy hunting!

State Programs

Georgia provides housing programs and incentives to help residents with home ownership. For more information, visit http://portal.hud.gov and select Georgia from the “State Info” drop-down menu. In addition, HomeSafe Georgia (www.homesafegeorgia.com) can provide temporary mortgage assistance for homeowners who are unemployed or underemployed through no fault of their own. The Georgia Department of Community Affairs is a good place to check out what’s available in housing help (www.dca.ga.gov/safe-affordable-housing/homeownership).

County Programs

Augusta-Richmond County’s Homeownership Assistance Program provides down payment or closing costs assistance to help residents with home ownership. For more information, visit www.augustaga.gov/882/Home-Ownership.

Central Savannah River Area Economic Opportunity Authority, Inc. offers foreclosure prevention services for Columbia County residents. Find more information from various companies, federal government agencies, nonprofits, etc. at www.needhelppayingbills.com/html/help_with_mortgage.html.

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