southern lumber & timber market recovery underway a fresh

Autumn 2013

Inside:

Southern Lumber & Timber Market Recovery Underway

A Fresh Take on Georgia’s Phenomenal Forests

Are You a Lifelong Learner?

Property for Sale

Leaderis published quarterly for stockholders, directors and friends of AgGeorgia Farm Credit.

PRESIDENTJack C. Drew, Jr.

BOARD OF DIRECTORSGerald D. AndrewsJohn W. Bagwell, Jr.Edward M. Beckham IIJack W. Bentley, Jr.William L. BrownJames B. CarltonBilly J. ClaryDan N. CrumptonGuy A. DaughtreyHoward LawsonRonney S. LedfordJoseph M. MeeksRobert G. (Bobby) MillerRichard David (Dave) NeffJ. Dan Raines, Jr.George R. ReevesAnne G. SiskDavid H. SmithFranklin B. Wright

EDITOR & MARKETING MANAGERMary Kiley

PUBLISHERAgFirst Farm Credit Bank

PUBLISHING DIRECTORAmanda Wagasky

DESIGNERSAthina EargleDarren Hill Amanda SimpsonTravis Taylor

PRINTERProfessional Printers

CIRCULATIONKathi DeFlorio

Address changes, questions, comments or requests for copies of our financial reports should be directed to AgGeorgia Farm Credit by writing P.O. Box 1820, Perry, GA 31069 or calling 800-868-6404. Our quarterly financial report can also be obtained on our website: www.aggeorgia.com Email: [email protected].

Before Farm Credit, there was no credit.

800.868.6404www.aggeorgia.com

Imagine a time when farmers were on their own—a time when banks thought lending to farmers was too risky. Then came Farm Credit, a cooperative established in 1916 for farmers and rural America. For almost 100 years, through good times and bad, Farm Credit has been there to support America’s farmers.

Farm Credit is now the nation’s largest agricultural lender—and the only lender dedicated to agriculture. We have more experience, resources and services to help farmers achieve their dreams than any other lender.

When you’re ready for a lender who is dedicated to agriculture for the long term, you’re ready for AgGeorgia Farm Credit.

AGGEORGIA.3.AUTUMN 2013

Table of ContentsTable of Contents

Last December, Emily Reece (BSA–Agribusiness, ’12) became the first agribusiness graduate from the UGA Tifton campus. Within the next year, six more students will graduate from the program, which began fall 2011.

Using a combination of on-site instruction and distance learning technology, undergraduates on the Tifton ...

Page 8

Page 12

There was no red carpet, nor were there klieg lights or movie stars on Peachtree Street in Atlanta on May 14. There was, however, a high level of excitement, as a groundbreaking film debuted in the Georgia-Pacific auditorium. After nearly five years of planning and almost a year of filming, “The Sustainable Forest — A Georgia Success Story” premiered to ...

The economic recovery is producing a promising outlook for the southern timber and lumber industries. Increasing demand and constrained supply are inciting a long-term rebound across the U.S., which is particularly good news for the South where the timber industry is an important economic driver. As one of the nation’s largest landowners, Plum Creek ...

Page 6

4 McMillan Receives Peanut Profitability Award

6 Southern Lumber & Timber Market Recovery Underway

8 A Fresh Take on Georgia’s Phenomenal Forests

11 Are You a Lifelong Learner?

12 Small Class, Big Business

14 Sweet Tips for Sweet Treats

16 Association News

17 Cpl. Greg Wade Honored With Waterfowl Officer of the Year Award

18 Property for Sale


McMillan Receives Peanut Profitability Award

Tim McMillan was presented the 2013 Peanut Profitability Award at the recent 14th Annual Southern Peanut Farmers Federation annual meeting at Panama City Beach, Fla. The award was presented to McMillan by Paul Hollis, Editor of Southeast Farm Press, at a program moderated by Dr. Marshall Lamb, Research Leader for the USDA National Peanut Research Laboratory. McMillan was the winner of the Peanut Profitability for the Lower Southeast Region, and was accom-panied by the award winners representing the Virginia-Carolina and Southwest Regions.

McMillan and his brother, Steve, are seventh generation farmers from Berrien County. Their operation, Southern Grace Farms, consists of peanuts, cotton and corn, along with strawberries, blackberries, nectarines and peaches. It is truly a family farming operation. Tim manages the row crop operation, and Steve manages the two you-pick fruit operation locations and their peanut buying point, Berrien Peanut Company. Steve’s wife, Laura, is the office manager and Steve’s daughter, Jennifer, oversees the local and internet sales of jams and jellies made from the fruit crop. She also coordinates the peanut buying point transportation.

McMillan was presented the Profitability Award based on production efficiency, and he credits two components of his success — timeliness and management of overhead costs. Timeliness pertains to herbicides, insecticides or irrigation. “If it needs to be done today, it needs to be done today and not tomorrow,” McMillan says. Overhead costs include equipment, general supplies and inputs. That combination really paid off, with an almost unprecedented balance in last year’s yields. His dryland peanut yields averaged 5,732 pounds per acre, and his irrigated peanut yields averaged 5,991 pounds per acre. It’s no wonder McMillan refers to 2012 as a “dream

year.” “I’ve been farming since 1983, and last year was the most perfect year for weather that I’ve seen.”

His typical crop rotation includes a three-year rotation, mostly two years of cotton and then one of peanuts. Sometimes corn is added to the rotation, depending on the price. The 2012 peanut variety of choice was Georgia-06G, the top variety of McMillan’s five-year consecutive trial. As co-owner of a peanut buying point, McMillan admits he also has the advantage of talking with other farmers about the performance of different varieties for future trial consideration.

McMillan is a graduate of the University of Georgia and has farmed full-time since

graduating in 1983. He and his wife, Margaret, have three sons, Jesse, Tyson and Daniel. He is an active member in the community, serving as a board member of the Berrien County Farm Bureau, and serves on the Georgia Farm Bureau state fruit committee. He’s also a member of the Berrien County Board of Education and the First United Methodist Church of Nashville.

“Tim is highly respected and very involved in issues that affect the community,” said Joel Pitts, branch manager of the AgGeorgia Farm Credit Nashville office. “He has been a member of AgGeorgia since he started farming and it has always been a pleasure to work with him and his brother Steve.” z

By Rhonda Shannon

Tim McMillan (left) is presented with the 2013 Peanut Profitability Award by Paul Hollis, Editor of Southeast Farm Press.

Headline


To receive the discounts, make sure you identify yourself as a Farm Credit Member and provide the discount codes as listed below.

1-800-FLOWERS®Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a 15% discount.

ADTNew customers will save over $200 more than the general public (with customer prequalification). Plus, you may save up to 20% off your homeowners insurance. Go to homesecurityteam.com/farmcredit or call 888.337.2448.

FLORAL AMBIANCEGo to floralambiance.com or call 800.672.4137. Use discount code fccsflowers to save $10 off orders valued at $30 or more. Note: The owner of this business is a Farm Credit loan customer!

DELL COMPUTERSSave up to 30% depending on configuration. Go to dell.com/farmcredit or call 800.695.8133 and use Member ID CS25031329.

DIRECTVNew customers will save $120. With free installation, there’s no equipment to buy and no start-up costs (with customer prequalification). Go to directsattv.com/farmcredit or call 888.612.4074.

NATIONAL & ALAMO CAR RENTALS -- Alamo: Visit alamo.com or call 800.462.5266 and use Farm Credit ID: 308635. -- National: Go to nationalcar.com or call 800.328.4300 and use Corporate ID: 5700069.

OMAHA STEAKSSave up to 60% - only available when you shop on-line at osincentives.com/farmcredit.

UNITED VAN LINESMoves within Arizona, California, Delaware, Florida, Idaho, Maine, Maryland, Tennessee, Texas, Utah, Wisconsin, and Wyoming, or between any of the 48 contiguous states. Discounts as much as 65% are only available via United agent, Barrett Moving & Storage. Call 800.879.1283 or email [email protected].

Have questions? Contact Pat McFarland at [email protected] or call 888.275.3227 x3236.

To receive the discounts, make sure you identify yourself as a Farm Credit Member and provide the discount codes as listed below.

1-800-FLOWERS®Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a 15% discount.

ADTNew customers will save over $200 more than the general public (with customer prequalification). Plus, you may save up to 20% off your homeowners insurance. Go to homesecurityteam.com/farmcredit or call 888.337.2448.

FLORAL AMBIANCEGo to floralambiance.com or call 800.672.4137. Use discount code fccsflowers to save $10 off orders valued at $30 or more. Note: The owner of this business is a Farm Credit loan customer!

DELL COMPUTERSSave up to 30% depending on configuration. Go to dell.com/farmcredit or call 800.695.8133 and use Member ID CS25031329.

DIRECTVNew customers will save $120. With free installation, there’s no equipment to buy and no start-up costs (with customer prequalification). Go to directsattv.com/farmcredit or call 888.612.4074.

NATIONAL & ALAMO CAR RENTALS -- Alamo: Visit alamo.com or call 800.462.5266 and use Farm Credit ID: 308635. -- National: Go to nationalcar.com or call 800.328.4300 and use Corporate ID: 5700069.

OMAHA STEAKSSave up to 60% - only available when you shop on-line at osincentives.com/farmcredit.

UNITED VAN LINESMoves within Arizona, California, Delaware, Florida, Idaho, Maine, Maryland, Tennessee, Texas, Utah, Wisconsin, and Wyoming, or between any of the 48 contiguous states. Discounts as much as 65% are only available via United agent, Barrett Moving & Storage. Call 800.879.1283 or email [email protected].

Have questions? Contact Pat McFarland at [email protected] or call 888.275.3227 x3236.


Southern Lumber & Timber Market Recovery Underway

The economic recovery is producing a promising outlook for the southern timber and lumber industries. Increasing demand and constrained supply are inciting a long-term rebound across the U.S., which is particularly good news for the South where the timber industry is an important economic driver. As one of the nation’s largest landowners, Plum Creek is tracking these market forces, especially in the South where the company holds significant interests in timber across several states. The company has several wood products facilities in the northwest.

A while back, USA Today covered the opening of a Plum Creek sawmill in Montana (http://www.usatoday.com/story/money/business/2013/04/30/housing-rebound-pulling-up-lumber-industry/2123301/) which had been shuttered since 2009. The story also addressed the link between the housing market and the timber industry nationwide, as well as the effects of rising lumber prices and reopening of other sawmills on local economies in the northwest U.S. These impacts stand to be even greater in the southeast.

“The key ingredients are now in place for a surge in southern lumber and timber demand (and prices) over the next five years,” explained Lynn Michaelis, forestry economist and president of Strategic Economic Analysis. “Three factors will drive the rebound in the southern U.S. timber harvests — recovery in the U.S. housing starts, sustained demand for softwood logs and lumber in Asia (primarily China), and lumber supply limits in Canada.”

Rebounding demand is tied to recovery of the U.S housing market,

which is pushing toward pre-housing bust levels for housing starts. While U.S. builders started work on fewer homes in June, reports suggest that home construction should rebound in the coming months. Long-term demographic demand is projected to drive 1.5 million or more annual housing starts nationwide, according to the Harvard Joint Center for Housing.

Applications for permits to build single-family houses rose for the third straight month to the highest since May 2008. Repair and remodel expenditures are predicted to dramati-cally improve over 2008–2012 levels.

Growing demand is also fueled by timber exports to China and growing bioenergy markets domestically and globally. China’s economy is expanding at a continuous and stable growth rate, including increased demand for lumber products. China’s surge in housing needs has led to a jump in lumber and log exports to the country. North American lumber exports to China surged 1-7 fold to 3.5 billion board feet since 2006, as the country’s sources for lumber are limited. These upward trends in China’s housing needs suggest sustained demand. Additionally, the bioenergy market

is expanding in the U.S and abroad, and demand is emerging from the south with several mill projects underway.

At the same time, global lumber and timber supply is constrained. The Mountain Pine Beetle has decimated timber resources in Canada, the world’s largest exporter of timber. More than half the commercial pine in British Columbia, the largest timber-producing province, has been lost to the worst pine beetle infestation on record in Canada. The country’s output fell to 23.7 billion board feet in 2012 from a peak of almost 36 billion in 2004 — a 35 percent decrease. Eastern Canada is lowering harvest levels by 20 percent to achieve sustainable rotations. And while Canada has supplied up to 35 percent of the lumber used in the U.S. in the past, their market share will likely shrink below 25 percent.

Collectively, these conditions will continue to drive a growing and sustained market for southern timber and lumber, which will bode well for local economies. z

Southern Timber Industry Rebounds

INCREASED DEMAND& REDUCED SUPPLY ARE DRIVING A LASTING REBOUND OF THE U.S. TIMBER INDUSTRY

Rebounding demand is tied to the recovering U.S. housing market.

Canadian supply will shrink.

Exports to China will continue.

Long-term demographic demand projected to drive 1.5 million + annual housing starts by 2015.1

It will take years for the world’s largest exporter of timber to recover from a pine beetle infestation that has wiped out more than half of the commercial pine in British Columbia.3

North American lumber exports to China surged 17-fold to 3.5 billion board feet since 2006.2

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2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

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1 Harvard Joint Center for Housing Studies 2 International Wood Markets Group3 British Columbia Ministry of Forests, Lands and Natural Resource Operations

Where others see trees, you see investment.

800-868-6404www.aggeorgia.com

• Small or large tracts of land• Equipment and machinery loans• Trucks and vehicle loans

• Operating loans• Land improvements• Refinancing loans

Like you, Farm Credit understands the value of the forestry industry and the resources trees provide. Let Farm Credit be a resource for you. We’ve been your trusted lender for nearly a century. Call us—we’re the experts.

Financing available for:


A Fresh Take on Georgia’s Phenomenal Forests

There was no red carpet, nor were there klieg lights or movie stars on Peachtree Street in Atlanta on May 14. There was, however, a high level of excitement, as a groundbreaking film debuted in the Georgia-Pacific auditorium. After nearly five years of planning and almost a year of filming, “The Sustainable Forest — A Georgia Success Story” premiered to an appreciative crowd of forestry professionals.

The documentary features breathtaking aerial photography showcasing Georgia’s forested land, close-up looks at planting, harvesting, products, services and crisp sound bites from industry members. Original music, narration and visuals take viewers on a custom journey through the lifecycle of the Georgia forest. “Fostering the phenomenal forest” is the tag line for the presentation that highlights the many benefits provided by Georgia’s 24.8-million acres of forest land. Through the efforts of a multitude of partners, the film now stands as a unique communication tool for Georgia’s forestry community. The film is available for veiwing online at http://www.youtube.com/watch?v=JHoLEGjs9Iw.

“In 2008, we were with our SFI counter-parts in Minnesota,” said Donna Gallaher, Coordinator for the Georgia Sustainable Forestry Initiative Implementation Committee at the University of Georgia’s Warnell School of Forestry and Natural Resources. “They shared a delightful PowerPoint presentation about a Habitat House project they sponsored. They’d gone from tree harvesting to the sawmill to local tree farmers and politicians and ended with a Habitat build,” Gallaher said. “They built a house for a Girl Scout and her mom. We were moved.”

Gallaher and industry colleagues Mike Harrell and James Norris got the ball rolling in Georgia by garnering the interest of the Georgia Forestry Association’s Young Profes-sionals/Emerging Leaders group.

“The Emerging Leaders deserve big thanks for stepping up to the plate,” said

Gallaher. “It’s encouraging to see how they ‘get it.’ We’ve got to be out there telling our story, and to see these young people waving the flag for forestry is very encouraging to me,” she said.

“Everybody was interested and wanted to do it,” said Norris, Wood Procurement Superintendent with Graphic Packaging International in Macon. “We just lacked a little coordination at first. I went to my boss, Joe Parsons, and explained the idea and he said, ‘Sure! Let’s go for it.’ And we did,” said Norris.

3 ... 2 ... 1 ... liftoff!The idea was to bring Georgia’s forestry community together to build a Habitat house constructed with Georgia-grown materials, manufactured in Georgia mills. The house was slated to be built in the small, Lynmore Estates neighborhood in Macon that had thrived in World War II, but had been in decline until recently when Macon Area Habitat and other agencies started working to improve it. The entire project was filmed, so that sustainable forestry could be communicated in a fresh new way to Georgians and others.

Fundraising, building and public relations committees were formed and volun-teers started climbing onboard.

“Forestry people are independent people,” said Mike Harrell, Vice President of Stuckey Timberland, Inc. in Eastman. “Tell us what you want and we get it done. Everyone was so generous and everyone came through. We got more than we needed,” Harrell.

A who’s who of Georgia forest industry sponsors played parts in the project, including the Georgia SFI Implementation Committee, Georgia Forestry Association Emerging Leaders, Georgia Forestry Association, Georgia Forestry Foundation, Georgia Forestry Commission, Georgia Chapter-Society of American Foresters, Georgia Tree Farm Program, and Southeastern Wood Producers Association.

After months of planning, fundraising, and soliciting volunteers, Georgia’s Tree Farm Committee kicked off the Georgia Forestry Community Habitat for Humanity Build in Macon on February 14.

“A large portion of the building materials were donated,” said Norris. “All the OSB, treated lumber, roof and floor sheeting, it was all Georgia grown or made and SFI- certified.”

Norris said working with the Habitat for Humanity group was especially rewarding.

“Going into the project I just assumed Habitat was a kind of give-away program, but that is not true,” Norris said. “Interested homeowners are scrutinized in the application process, there are background and employer checks, and they have to meet a lot of criteria. That was eye opening to me,” Norris said.

And that’s not all that’s required, according to Gallaher. In addition to a down payment and monthly mortgage payments, homeowners invest hundreds of hours of their own labor into building their Habitat house and the houses of others.

“I love Habitat’s motto,” said Gallaher, ‘Not a hand out, but a hand up.’ To work with such an organization and share our (forestry) message by doing so was just a big win-win,” she said.

By Stasia Kelly

Rock musician Chuck Leavell and GFC Director Robert Farris share a laugh as they help build the SFI Habitat House in Macon.


Macon Area Habitat for Humanity Executive Director, Harold Tessendorf, was equally pleased.

“We were very, very impressed and humbled that we were selected to provide the site for the house in this particular community,” Tessendorf said. “There was a high degree of professionalism and passion in all the people who worked on this, and the volunteers had a real sense of service in mind.”

The sustainability of Georgia’s forests resonated with Tessendorf and Habitat’s mission as well.

“We’re working on the ongoing revital-ization of a neighborhood, so we’re also talking about sustainability,” Tessendorf said. “We’re using the existing infrastructure that’s already in place,” he said, to bring new life to a neigh-borhood in need.

Georgians “live in the woods!”Tree farmer and rock musician Chuck Leavell is featured in the documentary, whose message demonstrates the forestry community’s commitment to responsible stewardship of the forest. Viewers learn that Georgia’s forest resource is abundant and renewable as they see and hear about growing seedlings, thinning, the concept of working forests, the

myriad of products and environmental services forests offer, their relation to the economy, and much more.

“We wanted to make a strong connection for the audience,” said Gallaher, “that forests have a big impact on our daily quality of life. They’re part of the houses we build, our shelters. And paper, of course, is a huge part of our lives.”

Documentary producer, Jamie Oliver, said the biggest aha! moment for him was the fact that “we live in the woods!”

“Going up in the plane for the aerial shoot, and seeing that Georgia is two-thirds covered with forest land was breathtaking.”

Oliver worked on the project for eight months. He credits cinematographer David Sizemore with doing an “amazing job,” and crafting the documentary’s distinctive soft, classic film look. Oliver’s cousin, Nashville musician William Tyler created the original guitar score.

“Everyone we worked with was great,” Oliver said of the forestry professionals who were interviewed and helped with filming. “Their hospitality was unmatched. I’m very pleased with the final product.”

People all across Georgia are now able to view the film and hear more about Georgia’s

working forests through presentations offered by a special speaker’s bureau. Representatives have been fanning across the state, sharing the video, a speech and supplemental handouts with Rotary Clubs, Chambers of Commerce and other civic groups.

“People have been pleasantly surprised,” said Mike Harrell. “In certain rural areas, people already realize

how important forestry is to Georgia,” he said, “but we urge them to talk to their neighbors, grandkids, and others. It’s a great message to send out.”

Tessendorf said his organization has received an important message through the experience as well.

“This tells a great story about what forestry means in the state of Georgia, and how sustainability is built into it,” he said. “The relationship with Habitat doesn’t end today. On our affiliate level, we will be much more conscious of the wood products that are locally grown and sourced, and how they fit into our construction process. We want to look for ways to involve smaller Georgia communities. We’ll be looking for how we can continue to do this and grow a statewide partnership.”

And the story for Angela and Curtis Jones, who moved into their new SFI/Habitat House with their four children on May 24, truly has a “happily ever after” ending.

“I love our big, new home,” said Angela. “Everyone has been so nice, and this has been such an education [about forestry and paper.] I love our wood floors and the ramp they built for my husband’s scooter chair, which he’s needed since having back surgery.”

And how do the kids like their new digs? “Excited!” said Angela. “They’re always outside playing and even helping cut the grass. It’s the first time I’ve seen them interested in keeping up the yard and our home!” z

To schedule a Speaker’s Bureau event, contact Donna Gallaher at [email protected] or 706-542-7691. Learn more about the Macon Habitat build on Facebook at “Georgia Forestry Community Habitat Build” and about Georgia’s Sustainable Forestry committee at SFI-Georgia.org.

Reprinted with permission from Georgia Forestry Today.

SFI/Habitat homeowner Angela Jones, left, accepts a wheelbarrow full of donated paper products from Georgia Pacific’s Mike Taylor, pictured foreground, right, with other sponsors on home dedication day. GFA also donated a new lawnmower to the family.

The Jones family gets some help from project sponsors planting trees that will provide back

yard shade and beauty.


Are You a Lifelong Learner?Dr. Dave Kohl

One of the exciting trends observed in the agriculture industry through interaction with people from around the globe at seminars is the emergence of lifelong learners.

These eager, inquisitive participants, regardless of their endeavors in agriculture, have found a competitive edge by developing a game plan for lifelong learning. They are on a quest for information, knowledge and forums at which to network and interact with like-minded people. Whether it is youth, young and beginning producers, the senior generation or agricultural product and service providers, the self-improvement light bulb has been turned on. Why has this trend emerged in agriculture?

I challenge you to critically think about your role as an agricultural knowledge worker. Since the beginning of the century, the great global agricultural commodity super cycle has elevated the importance of lifelong learning, transforming the needs, skills and mindsets of agriculturalists. It requires businesses, regardless of size, enterprise or location, to challenge the status quo concerning innovation, strategy and execution, or be left behind in today’s fast paced, interconnected global marketplace.

Learning Needs AssessmentThe emphasis on lifelong learning and personal development is a major trend amongst elite manager groups. To determine your knowledge and training needs, start out with a good old fashioned SWOT analysis that examines strengths, weaknesses, opportu-nities and threats. For example, one business conducts this assessment of its owners, managers, employees and stakeholders to determine training and development priorities. They allocate up to two percent of revenues and up to five percent of the individual’s time for educational, professional and personal development. The organization recommends 25 percent of the time be spent

outside the agriculture industry to expand horizons, perspectives and develop empow-erment amongst the team members. In some cases, team members are asked to prepare a brief summary of their experiences to share with others in the business to leverage infor-mation and knowledge exchange.

Remember to consider the whole person, and not just the business priorities. For example, an owner and employee entered a wellness program together and lost a combined 200 pounds, which had a positive impact on key health metrics. A balance between professional and personal development is key.

Advisory TeamsAnother major business trend that supports the lifelong learning concept is developing and utilizing advisory teams. These teams are seen as an investment instead of a cost, and are often utilized to fortify individual and business strategic areas of weakness, building upon the strengths of advisers who are used as a sounding board for exchange of ideas and suggestions for improvement.

Learning PrioritiesDr. Danny Klinefelter, a well-respected economist at Texas A&M University, says good managers prioritize. Taking this a step further, great managers prioritize their prior-ities. They can distinguish between the $100, $1,000 and $10,000 decisions and channel resources, energy and time for the best results. Sometimes the tractor seat can be more fun, but educational seminars may be more

economical for long run success. However, some producers accomplish both by listening to podcasts or audio books, monitoring markets and analyzing information from the tractor seat utilizing technology. Knowledge and information delivery methods to lifelong learners can include time-tested face-to-face meetings, online education or a blended approach.

Success StoryRecently a young farmer and his spouse were on a panel discussion I moderated on family business transition and communication issues. The young couple explained they had completed personality profiles during a personal development seminar, and then they, in turn, encouraged their parents to do the same. The bottom line is that the family is communicating much better now that they have learned about and understand each other’s personality styles and the different ways family members present their thoughts and perspectives. This “take charge” approach most likely will save thousands of dollars in legal fees and circumvent struggles in growth management in the future.

You are responsible for your own commitment to lifelong learning and personal development. If you manage employees, you are also responsible for identifying standards and metrics for employee personal development that align with business production, finance and marketing goals. A commitment to lifelong learning is a way to gain the competitive edge in a dynamic global marketplace. What is your game plan? z

By Dr. David M. Kohl

David Kohl received his M.S. and Ph.D. degrees in Agricultural Economics from Cornell University. For 25 years, Kohl was Professor of Agricultural Finance and Small Business Management and Entrepreneurship in the Department of Agricultural and Applied Economics at Virginia Tech, Blacksburg, Va. He was on special leave with the Royal Bank of Canada working on advanced initiatives for two years, and also assisted in the launch of the successful entrepreneurship program at Cornell University. Kohl is Professor Emeritus in the AAEC Department at Virginia Tech.


Small Class, Big BusinessLast December, Emily Reece (BSA–Agribusiness, ’12) became the first agribusiness graduate from the University of Georgia (UGA) Tifton campus. Within the next year, six more students will graduate from the program, which began in fall 2011.

Using a combination of on-site instruction and distance learning technology, undergraduates on the Tifton campus join the 140-plus agribusiness majors on UGA’s main campus in Athens for courses covering farm management, agribusiness management, marketing, agriculture policy, finance, economic principles, quantitative analysis and selling. Five faculty members in Tifton teach approximately two-thirds of the courses in the major, with the balance taught by Athens and Griffin campus faculty via distance education.

“Whether students are at Tifton or Athens, the degree requirements are the same, and they all graduate with the same degree from UGA,” said Don Shurley, a professor in the Department of Agricultural and Applied Economics on the Tifton campus.

Students complete their core coursework at other institutions before transferring to the UGA Tifton campus to finish the last two years of the degree.

“A main objective of this program is to allow south Georgia students who are inter-ested in a career in agribusiness to remain in south Georgia if they so choose and pursue this major in Tifton,” said professor and department head Octavio Ramirez.

That’s what attracted Reece to the program. “I already had connections in the Tifton area, and I didn’t want to lose those by transferring to Athens,” she said.

Another benefit of the program is that the Tifton faculty, who have primarily Extension or research appointments, bring real-world experience to the classroom. Their

connections in the ag community also help students land competitive internships that can count toward course credit.

“You get to know your professors extremely well,” said Shannon Parrish, a senior from Alapaha, Ga. “There’s a lot of one-on-one and they will help you with anything, whether it’s related to their class or another class.”

Ultimately, adding the agribusiness major on the Tifton campus will help meet the growing demand for graduates with a business — and specifically ag business —degree in south Georgia. One of the program’s long-term goals is to keep highly-skilled graduates in the area to foster local economies and support the state’s agricultural industry.

If the first graduate is any indication, the program is off to a positive start. After graduation, Reece accepted a position as a loan officer for AgGeorgia Farm Credit in Chatsworth, Ga. z

Reprinted with permission from UGA Southscapes magazine, Spring 2013

By Amanda E. Swennes

Emily Reece

Meet our Dublin staff—Branch Manager Danny Thomas and his staff work hard to make sure our members receive the newest loan products available on the market, keep your interest rates low, keep your patronage program strong and provide you with service beyond compare. Call or come by the Dublin offi ce and let us show you what our experience and knowledge can do for you.

We’ve got you covered—Land, Operating Expenses, Equipment Loans. Call us today!

Experts in Ag Lending.

From the left: Faith Howard, Sarah Williams, Linda Sapp and Danny Thomas

826 Bellevue AvenueDublin, Georgia

478.272.3255www.aggeorgia.com

AGGEORGIA.14. AUTUMN 2013

Sweet Tips for Sweet TreatsYou might have a favorite cookie or brownie recipe — but did you know you could make it even better by adding a simple, familiar ingredient? With a few expert tips from Buddy Valastro, author and star of TLC’s “Cake Boss,” you can take your sweet treats from good to great in no time.

Start with Quality Ingredients. When you start with better ingredients, you end up with a better cookie or brownie. Use real butter, high-quality vanilla and great tasting

chocolate. Here, Buddy shares some of his favorite recipes that use M&M’S candies to add an extra special touch to family favorites — making them even better.

Chill the Dough. Leaving cookie dough in the refrigerator gives it more body and results in a fuller and better tasting cookie. Plan ahead so you can refrigerate your dough at least one hour — or, even better, overnight.

Keep It Uniform. Use a small ice cream scoop to keep your cookies the same size. This

not only helps them look professional, but bake up evenly and consistently.

Pans Matter. Bake cookies on light-colored, non-insulated cookie sheets without sides. Metal pans will cook brownies faster than glass pans, which means cooking times will vary. Start checking your brownies early to test if they’re ready and prevent over-baking.

You can find more sweet baking tips and recipes at www.facebook.com/mms.

Family Features

Milk Chocolate Minis CookiesPrep time: 10 to 15 minutesChill time: 1 hour to overnight Bake time: 7 to 12 minutesYield: 24 to 30 cookies

Ingredients: 1 cup (2 sticks) butter, softened 3/4 cup firmly packed light brown sugar 1 cup granulated sugar 2 large eggs 1 teaspoon vanilla extract 2 1/4 cups all-purpose flour 1/3 cup cocoa powder 1 teaspoon baking soda 1/2 teaspoon salt 1 3/4 cups M&M’S Milk Chocolate Minis Candies 1 cup chopped walnuts (optional)

Directions:Preheat oven to 350°F.

In large bowl, cream butter and both sugars until well blended. Add eggs and vanilla extract, and mix to combine.

In separate bowl, sift flour, cocoa powder, baking soda and salt. Slowly add dry ingredients to butter mixture, and stir until combined.

Fold in candies and walnuts, if desired. Chill dough 1 hour, or overnight.

Drop dough by rounded tablespoons onto lightly greased tray, about 2 inches apart.

Bake for 7 to 9 minutes for chewy cookies, or 10 to 12 minutes for crispy cookies.

Buddy Valastro


Prep time: 10 to 15 minutesBake time: 30 to 40 minutesYield: 32 brownies

Ingredients: 4 ounces semisweet chocolate 1 cup canola or vegetable oil 2 cups sugar 4 eggs 1 teaspoon vanilla extract 1 1/4 cups all-purpose flour 1 teaspoon baking powder 1 teaspoon salt 2 cups M&M’S Peanut Butter Candies, divided


Lightly grease a rectangular 13 x 9 x 2-inch pan

In 3-quart saucepan, gently combine the semisweet chocolate and oil over very low heat until melted. Remove from heat and allow to cool.

In separate bowl, combine sugar, eggs and vanilla extract until blended. Add in chocolate mixture. Slowly sift in remaining dry ingredients and mix until combined.

Fold in 1 1/2 cups candies.Spread batter into pan. Sprinkle with

remaining 1/2 cup candies and press lightly.Bake until brownies begin to pull away

from sides of pan, about 30 to 40 minutes.

Ultimate Peanut Butter Brownies

Prep time: 10 to 15 minutesChill time: 1 hour to overnight Bake time: 8 to 14 minutesYield: 24 to 30 cookies

Ingredients: 1 cup (2 sticks) butter 2/3 cup brown sugar 2/3 cup granulated sugar 1 egg 1 1/2 teaspoons vanilla extract 2 cups flour 1 1/4 teaspoon baking soda 1 teaspoon salt 1 3/4 cups M&M’S Milk Chocolate Candies


In large bowl, cream butter and both sugars until well blended. Add egg and vanilla extract, and mix to combine.

In separate bowl, sift flour, baking soda and salt together. Slowly add dry ingredients into butter mixture and stir until combined.

Fold in candies and chill dough for 1 hour or overnight.

Drop dough by rounded tablespoons onto lightly greased tray, about 2 inches apart.

Bake for 8 to 10 minutes for chewy cookies, or 12 to 14 minutes for crispy cookies.

Amazing M&M’S Cookies

Simply Sweet CannoliPrep time: 20 minutesYield: 24

Ingredients: 1 cup Snickers Bars, finely chopped 1 1/2 cups part skim milk ricotta 1/3 cup sugar 1/2 teaspoon grated orange zest 1 resealable plastic bag 24 mini cannoli shells, unfilled 1/2 cup M&M’S Chocolate Candies

Directions:Combine chopped candy bars with ricotta, sugar and orange zest.

Spoon mixture into resealable bag and snip off a 1/2-inch corner. Fill cannoli shells by squeezing in filling from each end.

Decorate both ends with chocolate candies.


Connie Stinson retired this past June after more than 26 years of service in the Dublin branch office. She began her career in 1987 with Central Georgia Farm Credit as an office assistant.

Loan Officer Matthew Moxley has relocated from the Waynesboro office to our Perry branch.

Loan Specialist Sarah Wil l iams i s now serving our members in the Dublin branch office.

Loan Officer Eddie Fresh is now in Tifton. He worked as a credit analyst in the corporate office prior to his transfer.

Association News

High school senior Samantha Strickland accepts a $1,000 scholarship check from Area Manager Nick Hartley. The daughter of Edmond and Jody Strickland of Perry, Ga., Samantha is a graduate of Perry High School and plans to attend Abraham Baldwin Agricultural College before transferring to the University of Georgia to major in agribusiness with a minor in horticulture.

Snapshot

Staff Updates

Sara Mitchem has accepted the position as the manager of t h e P e r r y b r a n c h office. Sara joined the AgGeorgia Farm Credit staff as a loan officer in the Perry

Branch in 2012. Prior to her employment with AgGeorgia, she was employed six years with a local commercial bank. She holds a bachelor’s degree in accounting from Macon State College and a MBA from Georgia College and State University.

Nick Hartley has accepted the position as regional lending manager . He wil l oversee the operations of the Cordele, Perry, Dublin, Sandersville a n d W a y n e s b o r o

branch offices. Nick joined the Washington branch as a loan officer in 2008. He moved to the SAM Department in 2010 and in January 2012 he was named branch manager of the Perry office.

J o h n P e t e r s h a s accepted the position as regional lending manager, overseeing operat ions of the T i f t o n , M o u l t r i e , Quitman, Nashville, Ocilla and Sylvester

branch offices. John joined the Moultrie branch as a loan officer in 2006 and three years later was named branch manager of the Moultrie office.

Ray Hendrick has accepted the position as Moultrie branch manager. Ray has been with AgGeorgia 26 years, and has held various credit and management positions during his tenure.

Melissa Redd has been named branch manager of the Waynesboro office. Melissa joined t h e W a y n e s b o r o bra nc h as a l o an officer in September 2009, expanded her

career with a move to the Special Assets department in 2011, and now will oversee the development, progress and supervision of the Waynesboro office.

Promotions

Retirees

Continued on next page


Cpl. Greg Wade Honored With Waterfowl Officer of the Year Award

Cpl. Greg Wade, who patrols in Tift County, has been recognized with the Rocky Wainwright Waterfowl Officer of the Year Award for his outstanding efforts regarding waterfowl conservation over the past year, according to the Georgia Department of Natural Resources’ Wildlife Resources Division. The award is named in memory of Conservation Ranger Cpl. Rocky Wainwright, who was dedicated to the conservation of waterfowl.

“Cpl. Greg Wade is an asset to this agency and to the hunting public thanks to his dedication to protecting waterfowl and their habitat,” says Col. Eddie Henderson,

chief of law enforcement. “He encourages wise use of our resources through quality education efforts, vigorous enforcement and community involvement.”

Wade has been with the Division since 2006. Research was key to Wade’s work with waterfowl. He made superior efforts to educate himself about resources in Tift County and surrounding areas, stay on top of any new hunting “trends,” study maps and aerial photographs and meticulously detail information about field encounters and local area habitat. This preparation work proved of great assistance and directly led to numerous waterfowl violation arrests.

In addition to enforcement efforts, Wade supported waterfowl education by teaching blocks of instruction on waterfowl and wetlands protection at the annual “Nature Trek” programs in the Worth County School System.

Other conservation rangers nominated for this award include RFC Ben Cunningham, Cpl. Brian Hobbins, Cpl. Lynn Stanford and RFC Keith McDonald.

For more information on conservation rangers and law enforcement, visit www.georgiawildlife.com/enforcement.

Cpl. Greg Wade

Copies of the Association’s Annual and Quarterly reports are available upon request free of charge by calling 1-800-868-6404 or writing Carrie McCall, Chief Financial Officer, AgGeorgia Farm Credit, ACA, P.O. Box 1820, Perry, Georgia 31069 or accessing the website, www.aggeorgia.com. The Association prepares an electronic version of the Annual Report which is available on the Association’s website within 75 days after the end of the fiscal year and distributes the Annual Report to Shareholders within 90 days after the end of the fiscal year. The Association prepares an electronic version of the Quarterly report within 40 days after the end of each fiscal quarter, except that no report need be prepared for the fiscal quarter that coincides with the end of the fiscal year of the institution.

AgGeorgia Farm Credit

FinancialReports

Teresa Thompson has joined the staff of the Perry office as a loan assistant. She has more than 27 years of experience in financial services.

Mark Lindsey has jo ined AgGeorgia as an information systems specialist; he is located in the Carters-ville branch office. Mark graduated from

Kennesaw State University in 2005 with a master’s degree in information systems.

Adam Flakes has joined the staff of the Waynesboro office as a loan officer. He will be serving the credit needs of residents of Burke, Columbia, McDuffie and Richmond counties.

Ryan King, a recent g r a d u a t e o f T h e University of Georgia with a bachelor's degree in agribusiness, is a loan officer in the Royston office. The Royston staff serves the credit needs

of residents of Banks, Clarke, Elbert, Franklin, Hart, Madison and Stephens counties.

Toni Sanders has joined the staff of the Sandersville office as a loan assistant. She has more than five years of experience in the banking industry.

Donna Perrin is a loan specialist in the Tifton branch office. She has 29 years of accounting and finance experience.

New Staff


Property for SaleProperties for sale are listed as a service to our readers. Information is furnished by real estate agents and individuals and AgGeorgia Farm Credit is not responsible for the accuracy of the listing contents. If you have property for sale in Georgia that you wish to list in the Leader magazine please contact Mary Kiley for details at [email protected] or 770/536-3660 ext 374.


BERRIEN COUNTY

Great country home with 2 acres and a pond near Enigma, Georgia in Berrien County. This home is move in ready with custom cabinets, large laundry room, 8X24 sunroom, fenced yard, 16X16 barn, fruit trees and mature pecan trees. A deep well that never runs dry and a trouble free septic system. All appliances are included even the washer and dryer. 269 Wood Williams Road MLS# 121143. $84,900 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

300 acres in Berrien County. Gorgeous riverfront property, great fishing and abundant in wildlife! Good interior roads. Future value in planted pines! Owner financing available! Call Brenda DeLoach at Southern Traditions Realty 229.507.0622.

52 acres in Berrien County. Gorgeous riverfront property. Abundant with deer and turkey. Boat dock for fishing, beautiful campsite! Call Brenda DeLoach at Southern Traditions Realty 229.507.0622.

Gorgeous developmental tract or private residence! Rolling wooded land, a real must see! All preliminary work has been completed for a subdi-vision. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

Looking for a hunting and fishing tract this is it. 187.55 acres great roads through property cypress pond on back of property call today for more info. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

BURKE COUNTY

Old Southern home with lots of style and character. 3550 Stoney Bluff Road, Girard, GA 30426 - Large rooms, hardwood floors in some rooms. Office/den and upstairs bedroom has solid pine boards on wall. Nice brick shop/garage in back yard. Lovely setting underneath large, old trees. Additional land may be available from seller. $99,000. Contact Mary Yelton Realty, Waynesboro, 706-554-0340.

86 acre ranch/equestrian facility. Porter Carswell Rd. just outside Waynesboro, developed by the late Dale Wilkinson, 2 homes, 30 stall horse barn with bunk/office and storage, 40x112 equipment/storage barn, paddocks and pastures with working facilities, $525,000. Shivers Real Estate, 706-833-9115, www.GeorgiaLand.com

287 acre farm, Gough Red Hill Rd. 5-1/2 miles west of Waynesboro, 135 acres cultivated, 64 acres hay fields, remainder wooded, 1-1/4 miles paved road frontage, $575,160. Shivers Real Estate, 706-833-9114, www.GeorgiaLand.com.

156 acres Stoney Bluff Road. located adjacent to Wade Plantation and near the Savannah River, young timberland, older timber along Little Sweetwater Creek, 6 acres longleaf pines, 10 acre field, 2 large food plots, county road frontage, $168,540. Shivers Real Estate, 706-833-9114, www.GeorgiaLand.com

AGGEORGIA.19.AUTUMN 2013AGGEORGIA.19. AUTUMN 2013

This BURKE COUNTY tract has approx. 1/2 mile frontage on Brier Creek. There is a approx. 35 ac. 2006 cutover in the rear of the property with the remainder in a marketable pine/hardwood mix. A large power line crosses the tract offering great locations for food plots and hunting opportunities. This land has a good road to the power line area and locations upfront for a home site. Property has a 2007 survey done on it. Contact agent Max Boswell 706-871-9141 with MaryYelton Realty.

This BURKE COUNTY tract has over 1,000 feet of frontage on Kilpatrick Rd. It has large pines with open hardwoods throughout. There are small open area as well as a powerline crossing.The land is flat to low rolling offering numerous excellent places for a homesite. It would be a great place for horses,recreation, hunting and a home place. There is power available at the road and it is located approx. 3.5 miles from Waynesboro. Contact agent Max Boswell 706-871-9141 with Mary Yelton Realty.

This BURKE COUNTY tract is a fully wooded tract which would be great for a home site or a quite country get away. There are large pines and hardwoods throughout. This land fronts on both Allen Chapel Rd. as well as Club Rd. offering many options for owners. It is located about 10 minutes to Plant Vogtle, 20 minutes to Augusta and 15 minutes to Waynesboro. Contact agent Max Boswell at 706-871-9141 with Mary Yelton Realty.

This BURKE COUNTY tract is a great recreation tract and could be a homesite. Property is 101.6 acres and has approx. 218 feet of frontage on Beaver Dam Creek. Tract consists of a recent cutover with young hardwoods and some open areas. Good hunting and lots of room for homesites if needed. This property is split by the Burke and Jenkins county line. PROPERTY CAN BE SOLD IN TWO PARCELS, ONE 31.6 ACRE TRACT OR ONE 69 ACRE TRACT. Contact agent Max Boswell at 706-871-9141 with Mary Yelton Realty.

CARROLL COUNTY

Horse Property w/ Caretaker Home The property is 45+/- acres and has two stocked ponds/lakes. One lake is 10+/- acres and the other is 3.5 +/- acres. There is a 12 stall horse barn with a tack room and a feed room. Just outside is a 150 ft. X 200 ft. riding arena, steel round pen and a hot walker. There is a 3 bedroom/ 2 bath ranch caretaker home as well. Located throughout the property are numerous home sites for you to build a dream home you’ve always wanted. Owner says you could harvest part of the property for timber. $599,500.00. Call Sue Vetsch at United Country 678.963.5390 or 678.410.8793

COOK COUNTY

Great 111 Acree Farm on Barneyville Road. Approx. 60 acres of prime farm land, beautiful 12 acre pond, with good hunting land. Main house, 2 rental houses, cabin on pond. Metal building, 3 shelters, & 3 storage buildings. One of the storage buildings has bath & kitchen. Potential $1600 month from house rentals & farm rents for $6000. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

COLQUITT COUNTY

This property is on a paved road just 1 mile off US Highway 319, about a mile south of Norman Park, Georgia in Colquitt County. A total of 7.7 acres for $34,900. It has 600 feet frontage on Bear Creek Road and goes 560 feet deep. Originally it was 2 lots. If divided into 2 lots you could have a single family dwelling on each lot. Mobile homes are allowed. MLS#117745 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

3 BR/1 Bath property with 1 acre land. Located in beautiful area of the county. $65,900 Call Jeri Smith with Browning Brass Key Realty @ 229-873-5374. MLS #903076

Colquitt County 7 1/2 Acre property with 3 BR/2 Bath, 4 Septic Tanks, 30 x 40 metal building. Priced at $119,900. Patsy Browning, Browning Brass Key Realty - 229-985-3032

Executive Home in Colquitt County - 3 BR/2 1/2 BA with formal Living, Formal Dining, Kitchen, Sunroom, Den, and 14 x 20 Workshop with water and elec. Corner lot in Wiregrass Subdi-vision. Charlotte Kelley, Browning Brass Key Realty - 229-985-3032.


Beautiful Lake Front home on lake Sylvia Moultrie, GA. 3 BR/2 BA with den, living/dining combo and nice kitchen. Beautiful lake front lot. Bobby Browning, Browning Brass Key Realty, Moultrie, GA 229-985-3032

Downsize to a 2 BR/2BA Townhome in Moultrie, GA. 309 and 313 Floral Drive are for sale at $110,000 ea. Call Patsy Browning of Browning Brass Key Realty for more information. 229-985-3032

Beautiful 2300 sf home with family room/ formal LR/DR, large kitchen,fenced in corner lot with 3 BR/2 BA. Priced at $155,900. For more information call Patsy Browning of Browning Brass Key Realty at 229-985-3032.

Nice 3 BR/2 BA home in Wiregrass! Priced at $155,000. this home is on a beautiful lot in great family subdivision. Contact Patsy Browning of Browning Brass Key Realty @ 229-985-3032. MLS #903092

Great 2 BR/2 BA Townhome on Ivy Lane. Freestanding with carport. Beautiful setting priced at $150,000. Contact Patsy Browning of Browning Brass Key Realty @ 229-985-3032. MLS #902457

3 BR/2BA home with 2 acres in Doerun, GA. More acreage available. Contact Bobby Browning at Browning Brass Key Realty at 229-985-3032. MLS #902752

3 or 4 BR/3 Bath home on 1 1/2 lots on Franklin St., Moultrie, GA. Large kitchen with large living areas and big yard. Priced at $114,900. Call Bobby Browning at Browning Brass Key Realty 229-985-3032.

SELLER MOTIVATED, MAKE OFFER. Great place for small business, workshop, new home site or horses... The possibilities are endless!! This unique property offers over 2800 sqft of work or storage space and a 800 sqft apartment that is immaculate and move in ready. There are 2 nice size bedrooms with walk in closets and 2 full baths. Situated on 2.59 acres. MLS # 903083. 388 Dunn Road Moultrie GA. Contact Dena Jackson @ Alderman Classic Realty 229-985-0177 or email [email protected]

Brick home located in a nice quiet area just outside of town. Formal dining room, den and living room. Beautiful landscaped yard with mature pecan and fruit trees. Nice size workshop with a/c and storage space. List Price of $99,000.00. MLS # 903136. Contact Dena Jackson @ Alderman Classic Realty LLC 229-985-0177 or email [email protected].

Barn, deep well, septic tank and approximately 5.34 acres... Situated on the corner of Thigpen Trail and Coleman Road in Hartsfield GA. Beautiful home site or ideal place for horses. MLS # 903100. Call Dena Jackson @ Alderman Classic Realty LLC. 229-985-0177 or email [email protected]

COLUMBIA COUNTY$49,875 – Build your dream home on 5 +/- wooded acres with access to public water. This is a MAGNIFICENT building site is perfect if you are looking for elbowroom seclusion. There are several gorgeous 100+ year old shady oak trees and 20+/- year old pine trees (that you may consider selling to timber companies) The lot offers 320 foot road frontage on Leitner Mill Rd. and additional plus road frontage on Sandpit (which is on the county books for paving. There may still be a possibility for new owner to subdivide the lot into two 2 1/2 acre lots) after road is paved the lot will be right under 5 acres and won’t be able to be subdivided any longer (Zoned RA Residential Agricultural) Conveniently located in Columbia County, minutes to Ft. Gordon.

If you would like to view these or ANY other property FOR SALE call Christine May of Leading Edge Real Estate at (706) 869-9478. Our sales team is available 7 days week! Please visit www.AugustaHomeStore.com

$35,000 – Grovetown – Are you looking for “elbow room” and total seclusion? Check out this great, heavily wooded tract of land offering 5.2 acres with mature trees, hardwood, dogwoods and a creek also home to abundant deer and wild life. Owner Financing may be available! Call Drew or Christine May of Leading Edge Real Estate at (706) 869-9478. Our sales team is available 7 days week! Visit www.AugustaHomeStore.com


1676 Watson Bailey Rd, Harlem GA Columbia County. $79,900 – 24.74 ACRES - COLUMBIA COUNTY- with creek and possible pond site, mature trees along the creek site, newer trees and under-brush throughout rest of property could be cleared for horses, great for hunting with an abundance of deer and wild turkey, about 1500 foot road frontage, can be subdivided, will need well and septic, zoned Residential Agricultural (RA), If you would like to view these or ANY other properties FOR SALE call Christine May of Leading Edge Real Estate at (706) 869-9478. My sales team is available 7 days week! Please visit www.AugustaHomeStore.com

COOK COUNTY

Large 2.26 acre building lot in an established residential neighborhood in Adel, Georgia Cook County. It’s on a paved street and the city provides water and sewer in this area. Requires only 1500 sf minimum heated. Not zoned for mobile homes. $28,000 MLS #121555 call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

If you are shopping for a nice sized home out in the country on a paved road in Cook County then this is it. This home is not too far from I-75 just north of Sparks. 3 bedroom 2 bath just over one and half acres, 12X16 storage building with concrete floor. Concrete driveway with 2 car storage, screened rear porch, and beautifully landscaped yards. All appliances will stay plus the water purification-softner system. 12 month home warranty. $98,900 MLS#121749 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

ELBERT COUNTY

River Road Hide-A-Way Priced Reduced! A great family or hunter’s retreat!! 62.48 acres with 3 BRm, 2 Bath home in excellent condition! A beautiful 2 acre spring fed pond stocked with bass, bream, and catfish is scenically located in front of the attractive home. The home also has a living room with fireplace, central heat and air, a nice size kitchen w/eating area and a spacious deck off the back. A utility shed is locatd close to the house for storage and equipment. Mixed hardwood and pine offer grat deer and turkey hunting. Located 10 miles from Elberton and only 1.5 miles to Broad River. Also, convenient to Lake Thurmond and Lake Russell. Priced Reduced to $289,000. Contact Eddie Drinkard, 706-318-3636, emil:[email protected], or visit Web site: www.DrinkardRealEstateSales.com

Near Lake Russell , 108 acres.: $2,395 Per Acre. HUNTING, RECREATIONAL, AND INVESTMENT TRACT. This property is located 3 miles from Lake Russell State Park and Arrowhead Point Golf Course on Ruckersville Road. Excellent interior roads make tract easily accessible and good ATV trails. Merchantable pine timber for future income. Great cabin or hunting camp sites. Ruckers-ville Road entrance is just minutes from boat ramps and fishing. Contact Eddie Drinkard, 706-318-3636, emil:[email protected], or visit Web site: www.DrinkardRealEstateSales.com

Long Cove at Lake Russell. This property consists of 186.29 acres with over 4,700 feet of Corps of Engineers frontage. Some property lines are within

250 to 3200 feet of the shoreline. Individual tract sizes are 91.94 acres priced at $295,000 and 94.35 acres priced at $375,000. The private gated entrance fronts on Dry Fork Landing Road, and is located 13 miles from Elberton. Property is 1 mile from public boat ramp and within sight of Lake Russell Park and Arrow Head Point Golf Course. Beautiful hardwoods with winding stream through bottom provide an ideal habitat for deer, turkey and small game. Several estab-lished wildlife food plots. Merchantable pine timber provides for present and future income. Graveled interior roads provide easy access to property and good ATV riding. Contact Eddie Drinkard, 706-318-3636, email:[email protected], or visit Web site: DrinkardRealEstateSales.com

EMANUEL COUNTY

568 acre recreational timber investment located on Hwy 56. and the Little Ohoopee River. 158 acres of 1989 PP, 115 acres of 2007 PP, balance in hardwood and wildlife plots. Tract has been prequalified for a conservation easement. Great turkey and deer tract. $1500 per acre. 478-214-0559 [email protected]

FRANKLIN COUNTY

Horse Property This farm has a 9 stall barn with new apt. (approx. 875+/- sq.) it also has a full bath, bedroom, living room and full kitchen. Has a large feed/tack room, h/c wash rack, one stud stall fenced, arena area with grated/sand, spring fed creek on the back. The head of the spring is located there as well. Home has had exceptional care and owned by only one family. Open great room with stone fireplace, Kitchen has breakfast area. Back porch has great view of the farm. Home has oversized bedrooms and closets. Unfinished basement is ready to be finished. The yard is nicely landscaped and has beautiful trees. $395,000.00 Call Sue Vetsch at United Country 678.963.5390 or 678.410.8793


Build your dream home on this beautiful secluded 25.79 +/- acres. Property has 2 Creeks, and a duck pond, with plenty of wildlife . Land is approxi-mately 70% pasture and 30% open land. Also has available additional adjoining 2 acres with a mobile home.- $136,687 Crump Mill Road. Call Kenneth Aavage at Savage Real Estate & Auction Company, cell: 770-718-8297 or office: 770-983-0066, www.savagerealestate.com

Good Road Frontage! 280 +/- acres mostly wooded, land lays well, with a creek /stream. -$697,200 Williams Bridge Road. Call Kenneth Savage @ Savage Real Estate & Auction Company, cell: 770-718-8297 Office: 770-983-0066, www.savagerealestate.com

GLASCOCK COUNTY

3893 Bastonville Road, Gibson, GA 30810 Price: $499,000. 60 Acres with 3 story Stately Brick home, 4 bedrooms, 4 baths, 3 car garage, large swimming pool, large barn, and workshop. Extra bonus room could be a 5th bedroom. Easy access to I-20, to Ft. Gordon, and to Augusta. All offers considered. Contact: Linda Davis, 706-361-3794, Century 21 Larry Miller Realty.

Custom Home—Glascock County—5 acres. Home has an additional 117 acres available with great road frontage. Home features distressed hickory flooring, granite countertops, stone fireplace, and much more. The additional 117 acres has a year round stream, 75 acres of planted pines, hardwoods, and cut over land. Home with 5 acres $229,000. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

HABERSHAM COUNTY

MUST SEE PROPERTY! This rolling pasture w/year around mountain views is spectacular. Includes 24+ acres, a branch running thru it and pond site. Located near the hospital but very private. Also has nice 2BR/1BA home in good shape. This very special property is a sleeper! $199,900 (100781) Shield, Realtors Marty Simmons 770-597-4219

COUNTRY LIVING AT ITS BEST! Nice 2BR/2BA mobile home on 33.69 Acres with 7 in pasture, fenced and cross fenced . large screened covered deck. Creeks, picnic area, mostly hardwoods. Second mobile home on its own septic and well. Price includes tractor and equipment. $199,900 (100056) Shield, Realtors Carl Crombach 706-499-6230

A DREAM COME TRUE! Situated on 9.19 acres with year round mountain views, this 3BR/2BA ranch home offers T&G walls, rocking chair porch, 2 stall barn w/tack room, outside FP/grilling area, pasture and out buildings, wired for full house generator. Close to Lake Burton. $259,900 (100065) Shield, Realtors Ruth Camp 706-499-4702

UNIQUE SOQUE RIVER PROPERTY! Adorable studio apartment connected to an incredible 4+ car garage/shop with pasement. Massive rocks landscape the drive and building, the remodeled shell of an old mill home is waiting to be a guest home. 10+ acres offers seclusion and river front serenity, too much to list. $374,900 (99279) Shield, Realtors Bill Camp 706-499-4720

BEAUTIFUL 19+ ACRE FARM!! Just north of Clarkesville, GA!! Home is 4-Sided Brick, 3BR/2BA, tongue & groove sun room, open floor plan, large master, hardwood floors throughout, FP, country kitchen, 2-car garage. Property is mostly rolling pasture. Extra large shop/storage bldg. & large equipment shed. Deep creek frontage. $399,900 (99313) Shield, Realtors Bill Camp 706-499-4720


SOQUE RIVER PROPERTY! Looking for trout & large tract of land? 32.48 acres w/798+ ft on trout filled Soque may be the answer. Includes 4BR/2.5BA brick home needing some TLC. Acreage alone is worth price! Few like this in North Habersham. Outside Clarkesville w/no restrictions. $849,000 (99137) Shield, Realtors Bill Camp706-499-4720

OGLETREE FARM! Southern splendor abounds in this neoclassical style Georgian Home. Tree lined driveway and brick walkway lead into this 5BR/2 full/3half BA historic home complete with original clapboard, 59 fenced acres, mature trees, pasture, barns, inground pool and outbuildings. Circa 1908. $1,950,000 (100194) Shield, Realtors Ruth Camp 706-499-4702

SPECTACULAR! Special 27 acres features 20 acres in pasture, the rest in hardwoods, 2 nice branches and a lot of fencing. No prettier small farm in Habersham County, very convenient location. $214,000 (100294) Shield, Realtors Bill Camp 706-499-4720

STUNNING SHOALS AND EXTREMELY NOISY WATER! 38+ ACRE wooded tract, own both sides of Yellow Bank Creek which is very rare. Convenient

location near Clarkesville and Cornelia with several prime building sites. Actually 3 separate tracts being sold as one. Driveway already in to creek. $329,000 (100417) Shield, Realtors Ruth Camp 706-499-4702

HALL COUNTY

Fabulous Mountain Views! 78 +/- acres with a beautiful lake. 2 bedroom 1 bathroom house, barn, and outbuilding. Property has paved road frontage on two roads. $616,200. Ransom free road. Call Kenneth Savage @ Savage Real Estate & Auction Company, Cell: 770-718-8297 Office: 770-983-0066 www.savagerealestate.com

HANCOCK COUNTY

76.8 acres—Hancock County Mature pine timber and paved road frontage makes this a great investment tract. Also a great hunting tract. Priced at $1,650 per acre. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

Hancock County—54.56 acres; Gently rolling property that was clear-cut in 2011. Priced at $800 per acre. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com.

301 acres—Hancock County, Mature timber, good interior road system, food plots and a 4 Bedroom, 2 Bath home makes this a hunters dream. Great corporate retreat. Priced at $1,573 per acre. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

Hancock County—58.65 acres, 8 acre dove field, 2 smaller fields, creek, mature hardwoods, cabin, pole barn, storage building. What more do you need? Priced at $1,995 per acre. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

Hancock county—40 acres, 11 miles West of Sparta, GA with 1,453 feet of frontage on Glen Harper Road. 25’x36’ pole barn with electricity. Three creek bottoms and good interior road system. All marketable timber has been cut. $1,195 per acre. Contact Town & country Real Estate @ 478-552-5681 or www.tandcrealestate.com


HART COUNTY

Own A Piece Of Heaven !!! 50 +/- acres on beautiful pristine lake hartwell. Property has two houses and a barn. Gently rolling topography with hardwoods. -$750,000 Bowersville Hwy- Call Kenneth Savage @ Savage Real Estate & Auction Company, cell: 770-718-8297 or Office: 770-983-0066, www.savagerealestate.com

HOUSTON COUNTY

King House (Houston County). 2 Homes in 1 ~ over 10,000sf all-brick home with 5BR+/4 full baths & 4 half baths, 2 large master suites w/sitting areas, 2 full kitchens & bar, space for double-door subzero fridge, stone mantle with granite countertops & custom cabinetry, huge master bath w/2 private toilet rooms, a step-in shower w/6 shower heads, separate jetted tub, see-thru fireplace from master bath to master bedroom, 2 car garage & 2 car carport, 2 ponds & creek. Too much to list, call Real Estate Insider Today 478 988-1128 or visit www.theInsideBroker.com to schedule your personal viewing. $1.2mil

Sugar Hill Tract (Houston County). 834 acres This tract consists of about 445 acres of planted pine in various stages. 330 acres of clearcut hardwoods. Big creek flows through the south side of the tract. Plenty of deer, hogs and turkey. It has a conservation easement on it. This tract has excellent interior roads. $1.4mil Real Estate Insider @ 478 988-1128 or visit our website at www.theInsideBroker.com

Lately Bridge Tract (Houston County). 40 acres of mixed woods $100k. Call Real Estate Insider for more information 478 988-1128 or visit www.theInsideBroker.com

Hwy 26 Elko Tract (Houston County). 186 acres Nice hunting/investment tract with plenty of road frontage. Creek frontage on Burnam Branch forms the North Boundary. Perfect for homesites or hunting. Located on Hwy 26 in south Houston County. $465k Contact Real Estate Insider for more details at 478 988-1128 or www.theInsideBroker.com

Flat Creek Tract (Houston County). 516 acres of rolling topography includes 40 acre lake located off Hwy 41 south of Perry behind Flat Creek Subdivision. Call Real Estate Insider Today 478 988-1128 or visit www.theInsideBroker.com

Pitts Tract (Houston County) 373 acres. Mostly wooded with planted pines, great interior roads, County water available, and plenty of paved road frontage. 373 total acres which can be divided. $1,500,000. Visit www.theInsideBroker.com or Call Real Estate Insider for details @ 478 988-1128

Hwy 26 Elko Tract (Houston County). 80 acres Nice tract with a mixture of pine and hardwood. Would make a great homesite or hunting retreat. Located on GA Hwy 26 near the Elko Road intersection. $200k Call Real Estate Insider @ 478 988-1128 or visit www.theInsideBroker.com

IRWIN COUNTY

Absolutely gorgeous 345 acre tract fronting the Satilla River and Wiggins Creek! This is a hunter’s dream with areas perfect for quail hunting, deer, turkey...you name it! 20-30 year old planted pines perfect for future income, gorgeous oaks, good interior roads. Gorgeous home with top of the line everything, huge rooms, fireplace in den, open floor plan, huge master suite, office and craft room, huge 50 X 30 Barn and 20 X 20 heated and cooled shop. Can be subdivided and purchased with or without the home. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622. (Sheppard House with 345 acres)

Absolutely gorgeous homeplace or recreational tract! Beautiful 32 acres of established coastal bermuda pasture for horses, cows or extra income. Approximately 94 acres of pines and hardwoods bordering a small creek and surrounded by large tracts makes this a perfect recreational tract! Abundance of deer, turkey and other wildlife! Includes 3br, 2ba, mobile home and a large equipment shed. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

JACKSON COUNTY

5 Poultry Houses The 3000+/- sq ft remodeled older home is charming. The kitchen has custom cabinets, center island with a bar top, tile floor and black appliances. Off of the kitchen is the breakfast area that leads to the screened in porch. Also off the kitchen is a sunroom. There are 5 bedrooms and an office. The family rm has built in shelves, judges paneling and gas logs. Outside are wrap around porches. There are a total of 5 poultry houses. There is also a small 2 bedroom/ 1 bath caretaker home. Great place work, or live in the house and let your employee(s) work the poultry houses. Less than 3 miles from I85, you could work in the city and come home to this amazing property every day. Call Kathy Bolling at United Country 678.963.5390 or 770.601.3974

Just Reduced! Beautiful land 22 +/- acres. Property has a small barn. Possible short term owner financing available.-$85,900 Erastus Church Road. Call Janie Savage @ Savage Real Estate & Auction Company, cell: 770-654-3513 office: 770-983-0066, www.savagerealestate.com


Lake Front Property This gated lake front property is waiting for you to build your dream home. The secluded 21+/- acres sits on a private lake with over 1800+/- feet of water frontage. The listing is a combi-nation of two parcels. One parcel is 13.09+/- and is located within the subdivision of Cardinal Lake and the other a joining parcel is 8+/- acres. The community has sidewalks and street lights and of course, the lake. Cardinal Lake Subdivision is a new construction community in Jefferson, GA. Convenient to both Athens and I-85 makes Cardinal Lake a wonderful location within the fast growing Jackson County. This property holds the protection and conveniences of a subdivision but privacy like the country. $359,000.00 Call Tim Hill at United Country 678-963.5390 or 678-227-3437

JENKINS COUNTY:

683 acre farm with irrigation potential. Gays Hill Church Rd, 12-1/2 miles south of Millen, 432 acres cultivated, 213 acres wooded, 6 acre pond, old dairy site, 2 wells, 3 phase power, county paved road frontage, farm & hunting lease income, $1,878,250. Shivers Real Estate, 706-833-9114, www.Georgi-aLand.com

JEFFERSON COUNTY:

108 acres with 3 homes. Wadley, 43 acres open with 6 acres fenced for horses, 60 acres wooded, 4 acre pond, 4 BR, 3-1/2 BA main home, 2 smaller homes with rental income, very well maintained property, $675,000. Shivers Real Estate, 706-833-9114, www.GeorgiaLand.com

598 McGahee Road, Stapleton, GA 30823 Price: $165,000. 27 acres with 4 bedroom 2 bath vinyl sided house over cedar siding, nice unfinished sunporch, Beautiful spring fed pond, and more acreage can be bought. Contact: Linda Davis, 706-361-3794, Century 21 Larry Miller Realty.

JONES COUNTYDusty Road Tract (Jones County). 123+/- acres located in the Dusty Lane & Clifton Ridge area between Macon & Gray off Hwy 129. May be divided. $215k. Call Real Estate Insider @478 988-1128 or visit www.theInsideBroker.com[theInsideBroker.com]

LANIER COUNTY

Unbelievable hunting retreat! 2181 Acres, 4 bedroom 2 bath hunting accommodations. 40 x 80 steel shop, 3 acre pond, and planted pines. Call for more information. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

LINCOLN COUNTY

Lake Thurmond Retreat. 21.34 Acres, Corps property frontage on Lake Thurmond with a short distance from shoreline. Corps permit for golf cart path to shoreline. Home site in view of lake, with protective covenants in place. Excellent interior driveway leading to the Corps property. Gated entrance from Lisbon Road which is a Lincoln County graveled road. Heavily wooded, $115,000. Contact Eddie Drinkard, 706-318-3636, email: [email protected], or visit website: www.DrinkardRealEstateSales.com

Shelter Rock Cove: 11.34 Acres on Lake Thurmond. Private boat dock permit. Quiet and scenic, deep water cove. $195,000. Contact Eddie Drinkard, 706-318-3636, email: [email protected], or visit website: www.DrinkardRealEstateSales.com

WATERFRONT - 14.63 combined acres of land in Lincoln County. This beautiful Clarks Hill lake front property can be divided into 3 separate lots/tracts (1 waterfront... lot 1, and 2 interior lots ..lot 1&2, of about 5 acres each) The boat ramp less than 5 miles from house (driving) and 2-3 min from dock via water. Soap Creek Marina 5-10 minute ride from dock. The land is surrounded by large beautiful trees and shade that attract nature all year round. It is very peaceful retreat away from big city life. If you would like to view these or any other properties for sale call Drew or Christine May of Leading Edge Real Estate at (706) 869-9478. Our sales team is available 7 days week! Please visit www.AugustaHomeStore.com

MACON COUNTY

Starling Tract (Macon County). 78 acres Best of both worlds - House, shop, and 2+/- acres in a subdivision for HER and 75+/- acres (across the street from the house) for HIM. 3 pond sites with one pond 75% complete. Power, well and metal building. Great hunting for trophy deer, hog, and turkey. Close to the Flint River and Beaver Creek. Gorgeous Home is Large brick 3BR/2.5BA, 3000sf on 2 acres that is wooded and nicely landscaped in quiet neighborhood. Fenced backyard w/fountain. 2 car carport w/cooking area that includes a corian counter/


sink. Huge master suite on main w/double vanity & large walk-in closet. 2 large spacious BR upstairs w/vaulted ceilings. Large bonus room upstairs. Fabulous updated kitchen w/granite countertops & backsplash, SS appliances, 2 sinks, w/island breakfast bar, tile flooring, 2 pantries, & plenty of cabinets. Large great room w/stone fireplace w/gas logs, built-in bookcases. Formal dining room w/built-ins. All baths updated w/granite & tile w/updated fixtures. 2 walk-in storage areas. Spacious 2 level deck with pergola. Large sunken hot tub in sunroom w/TV. Huge detached workshop & 2 storage buildings. $275k Contact Real Estate Insider for your personal viewing @ 478-988-1128 or visit www.theInsideBroker.com

MADISON COUNTY

Timberland 71.4+/- acres in Comer close to Athens. 50+/- acres are in 20 year pines and ready for thinning. The remaining acres are in various ages of hardwoods. In addition there is a stream and a lake site. There is paved county road access as well as county dirt road access. $230,000.00 Call Kathy Bolling at United Country 678.963.5390 or 770.601.3974

Breeder House Owner has recently updated the breeder house. Financial records available with a signed confidentially agreement . There is a small home on the 6+/- acre property. Possible owner financing. Call Kathy Bolling at United Country 678.963.5390 or 770.601.3974

Cattle Farm 166+/- acres, fenced, barns, stables, tack room, two ponds, several springs and creeks, rail frontage. 3800+/- s.f. home, ranch with basement, 4BR / 3BA, in law suite with five +/- acres can be purchased separately for $200,000 Call Kathy Bolling at United Country 678.963.5390 or 770.601.3974$230,000.00

MCDUFFIE COUNTY

6277 S. Luckeys Bridge Rd, Dearing, GA 30808 Price: $140,000. 10 acres with Modular home with sheet rock walls and beautiful cabinetry. 3 bedroom, 2 bath, formal dining and great room. Contact: Linda Davis, 706-361-3794, Century 21 Larry Miller Realty.

OGLETHORPE COUNTY

Buffalo Creek Tract : 356 Acres.: 2 Bedroom Cabin, 150 acres pasture, merchantable pine timber, 48’ x 60’ barn. Great Hunting!! Price Reduced to $2495/AC. Contact Eddie Drinkard, 706-318-3636, email: [email protected], or visit Web site: www.DrinkardRealEstateSales.com

Eades Road Tract: 440 Acres. Outstanding timber, beautiful creek and Harwood bottom. Interior roads and food plots. Only $1,995/AC. Contact Eddie Drinkard, 706-318-3636, email: [email protected], or visit Web site: www.DrinkardRealEs-tateSales.com Broad River Bluff,

PICKENS COUNTY

Beautiful Gently Rolling Farm Land With Pasture, Woods, Creek, And Lots Of Road Frontage, Bank Owned 154 +/-Acres. - $550,000 Stivers Road- Contact Kenneth Savage @ Savage Real Estate & Auction Company, Cell: 770-718-8297or Office: 770-983-0066, savagerealestate.com

PULASKI COUNTYCypress Creek Tract (Pulaski County) .... 75 acres acres off Hwy 341 in Pulaski County in Cypress Creek subdivision. $300k Call Real Estate Insider for details @ 478 988-1128 or visit www.theInsideBroker.com

RICHMOND COUNTY$90,000 - 5 ½ Acres – Currently zoned residential but and has residential development potential with up to 14 building lots. The property would also be ideal for town homes. Windsor Spring is a major connector in South Augusta and with the road widening to 4 lanes this would also be a great location for a strip center, gas station, medical location. The property is close to Ft. Gordon and minutes to Diamond Lakes Regional Park (formerly known as the Augusta International Raceway) If you would like to view these or ANY other properties FOR SALE call Christine or Drew May of Leading Edge Real Estate at (706) 869-9478. Our sales team is available 7 days week! Visit www.AugustaHomeStore.com for additional photos.


STEPHENS COUNTY

The perfect spot to build your dream home! 7.4 +/- acres located near lake hartwell. Property has a gentle topography. $34,900 Jenkins Ferry Road. Call Kenneth Savage @ Savage Real Estate & Auction Company, cell: 770-718-8297 or office: 770-983-0066, www.savagerealestate.com

TAYLOR COUNTY

255 acre recreational timber investment property located in a prime location. Cabin with utilities, grain bin, horse shed, well, 135 acres planted pines, 45 acres Cropland, small pond. Paved frontage with gates. Deer, turkey and doves. $1675 Acre. Bickley & Assoc. 478-214-0559 [email protected]

TELFAIR COUNTY

52 Hummingbird Lane, McRae, Ga. 31055 8 AC This stunning European home host 4478 sq. ft. The front entrance is just a taste of what’s to come. Three bedroom suites, half bath and a kitchen that is a chef ’s delight with commercial gas stove. High ceilings are enchanting with custom crown molding. The back overlooks in ground pool & Wet weather creek. Built with the best for the best! Offered at $475,000 (reduced). Additional acreage available Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

609 OLD PRISON CAMP ROAD MCRAE, GA 31055 31 Acres REDUCED $10K !This grand horse farm is quite the showplace, 4.5 acre pond, round pen, and spacious stables! Come for a get-away retreat or come to stay! Custom home was designed to attach to the stables. Beautiful vaulted ceilings overlook a grand stone fireplace and terra cotta tile floors. Kitchen with bar is open to the living room. There are 2 private bedrooms and 1 bedroom in the loft! Offered at $199,000 Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

1749 CEDAR ROAD MOUNT VERNON, GA 30445 Remarkable home on 13+ acres! Oak flooring, large spacious rooms, beautiful kitchen, large laundry, Sun room, loft office, formal dining. Bedroom on down stairs has trey ceilings and spacious bath. This home has tons of storage and located on beautiful lot! Shelter and additional shop this home won’t last long. Walk in attic storage. Offered at $219,000 Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

944 MCNATT FALLS RD UVALDA, GA 30473 Oconee River Home has magnificent view. Porch on living area overlooks the river and boat ramp one lot down. This beautiful 2 bedroom 1.5 bath has vaulted ceilings and great hardwood floors. Privacy door on bed 1 and bath. On ground level you have a laundry room,1/2 Bath, Sink, Grilling and dining area and a deck that extends over the side. Furnished!!!! REDUCED FOR QUICK SALE! Offered at $110,000 Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

160 BLOCKERS LANE MOUNT VERNON, GA 30445 120+ ACRES Looking for a great hunting reserve, you have found the right place! With 126 +/- acres that borders a hardwood creek. Hunting plots and are established hunting stands in place bring your cloths and move in! Furnished home with wraparound porch and something for everyone to do! Play/tree house in the back yard for the little ones, pond on property waiting to be stocked. This property is also close to the Oconee River. OFFERED AT $417,000 Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

69 Hummingbird Lane, McRae, Ga. 5.84 Ac. 1820 Rose Hill c. 1820, Southern Living Historical House Collection. Custom built home layered with hardwood, tile custom ceilings and fireplaces with ornate mantels! The foyer with side lights is just the start of a great experience as you enter this Rose Hill replica! Offered at $304,000 Call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

TIFT COUNTY

House with land in western Tift County near US Hwy 82. 44 acres of land, 32 acres fenced and open for crops or pasture, with an additional 12 acres of woodlands. Modern white siding house (2550 sq. ft. heated), with four bedrooms and four full baths, great room, office, dining room, fireplace, large screened back porch, spacious two-car garage, nice view from hillside. Fenced Tifton 85 bermudagrass pastures include 1750 ft of buried water lines. Metal utility shed is 40 X 48 ft (1920 sq ft), could be used for RV, boat, equipment, or hay storage, or converted to a horse barn. Shown by appointment. Phone 229-848-3695


These 8 acres are part of a 31 acre tract just west of Tifton, Georgia in Tift County. Already tested and approved for a deep well and septic tank. Ideal spot near town to build your dream home in the peace and quiet of the country. 1800 sq ft minimum and no mobile homes. This tract is priced at $6500 an acre. MLS #121439 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

Are you searching for a 12 acre building site on water? Here it is. Just west of Tifton, Georgia in Tift County out in the peace and quiet of the country. This is part of a 31 acre developed tract ideal for your dream home. Tested and approved for a deep well and septic tank, 1800 sq ft minimum and no mobile homes. $7500 an acre. MLS #121438 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

On a 5 acre lake just west of Tifton Georgia in Tift County. This 7 acre tract is part of 31 acres offered for sale. Tested and approved for a deep well and septic tank. 1800 sq ft minimum and no mobile homes. $7500 and acre. MLS #121437 call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

Tift County - This property offers the ease of country living just minutes from downtown. The 5935 sq. ft. custom home with 5BR/4BA sits on 2.5 acres adjacent to a 30 acre lake. The sun room overlooks the lake, large gardens, boathouse, practice putting green and bunker. The exterior is finished in western red cedar board and batten and upgrades expected in a home of this caliber are featured. In addition to the home, a 560 sq. ft. boathouse has a full kitchen, bathroom, and deck from which to enjoy the 30 lake. Contact E. W. Bowers, Jr. at Kunes Real Estate & Appraisals, Inc.: 229-386-0440 or 229-848-0450 or [email protected]

Tift County – A scenic lot with no covenants or restrictions offers 19.76 acres, which includes +/- 5 acres of a lake. There are some large oak trees as well as pines and scrub oaks. This property would make a great home site for someone who enjoys the privacy and relaxation of country living within ten minutes of downtown Tifton. Contact Jeremy Campbell 229-392-0049 or E.W. Bowers, Jr. 229-848-0450 or call us at Kunes Real Estate & Appraisals, Inc. 229-386-0440.

TURNER COUNTY

Quiet shaded lot for your home or doublewide in Sycamore, Georgia Turner County. City water and city sewer on a paved street. This .55 acre lot has mature pecan trees, oak and magnolia trees. 145 W Fountain. $10,000. MLS #121181 Call Ronnie Dunn at Century 21 Smith Branch & Pope 229-388-7283.

WALTON COUNTY

Executive Horse Property This 10.13+/- acre horse farm with a home is located in Loganville, Georgia. The home is 6000+/- sq ft. and has 5 bedrooms, 3 full baths and a half bath. The open floor plan has floor to ceiling windows and lets in lots of natural light. The kitchen is oversized with custom pantry & cabinets, stainless appliances, 3 rack dishwasher, granite countertops and induction cook top. The formal dining room seats 16. Living Room has oak paneling, cathedral ceilings w/ oak beams, antiques oak fireplace and opens to the deck overlooking the private backyard and pool. The pool is a saltwater heated pool, there is also oversize cabana & cooks kitchen, outdoor shower and hot tub on the pool deck. Down stairs is another family room, exercise room, full kitchen and more bedrooms and bathrooms. The barn has 4 stalls. There is horse safe fencing with water where it is needed. Has tack room and lots of storage room for hay. Close to Georgia International Horse Park and other riding stables. This is an Equestrian Dream Property. $549,500.00 Call Sue Vetsch at United Country 678.963.5390 or 678.410.8793

WARE COUNTY

Horse or Cattle farm with excellent Deer and turkey hunting. Borders on Hog Creek on the west side. Fenced and cross fenced, pastures are all in Alicia Bermuda grass. Two bedroom one bath farm house, mobile home, deep well, 50 x 90 metal barn with concrete floor, two storage buildings. There are 2 ponds stocked. Very private yet only 4 miles to Nicholls, 16 miles to Douglas, 10 miles to Alma and 26 miles to Waycross. Beautiful rolling pastures with scattered oaks, a must see to appreciate. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.


WASHINGTON COUNTY:

63 acres & 113 acres, Salter Road. 6 miles west of Bartow, open & wooded, long frontage on Limestone Creek, county road frontage, $104,550 & $187,850. Shivers Real Estate, 706-833-9114, www.GeorgiaLand.com

140 acres Old Savannah Road, 2-1/2 miles north of Riddleville. 50 acres cultivated with farm lease income, remainder wooded, county road frontage, $210,000. Shivers Real Estate, 706-833-9114, www.GeorgiaLand.com

Washington County—35 acres. Deepstep Road, beautiful tract located 15 minutes from downtown Milledgeville. Long paved road frontage with several excellent home sites. 27 acres of 15 year old pines with balance in cut over and drains. Priced to sell at only $1,795 per acre Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

Washington County—9.53 acres at the corner of North Sparta Davisboro Road and Walker Road. Pine and hardwood mix. 710 feet of frontage on North Sparta Davisboro Road and approximately 400 feet on Walker Road. Great home site. $19,060. Contact Town & Country Real Estate @ 478-552-5681 or www.tandcrealestate.com

WHEELER COUNTY

Single tree road: 688 ac of prime hunting land. Mature timber surrounds 2 very large ponds, large block building, great hunting property abundant with wildlife! Located in wheeler county offered at $2,065,500 call Susan Evans @ 912-423-9291 or email [email protected]. Website: www.susansgeorgiahomes.com

984 HWY 212 MILLEDGEVILLE GA GREAT HOMESITE WITH 39+ ACRES! 500 foot frontage and currently zoned for agricultural use. Public water across Hwy 212. Public boat ramp to the beautiful lake sinclair is just down the road. Offered at $199,310! Call Susan Evans @ 912-423-9291 or email [email protected]. Website: www.susansgeorgiahomes.com

204 ARCHER POND/SMITH RD SCOTT, GA 31002 54.73 Acres Great Home site with beautiful stand of pines. Small pond located on the property. Great for Hunting or Homesite! call Susan Evans @ 912-423-9291 or email [email protected] website www.susansgeorgiahomes.com

WHITE COUNTY

Come Relax And Enjoy The Peace And Quiet On This Secluded 19.36 +/- Acres. Has a charming ranch home with 4 bedrooms and 2 bathrooms. Convenient to Unicoi State Park, Chattahoochee National Forrest, and Helen Ga.- $174,900 Hwy 356. Call Janie Savage @ Savage Real Estate & Auction Company, cell: 770-654-3513 or office: 770-983-0066, www.savagerealestate.com

Secluded Bank Owned 292 +/- Acres! Property has a pond, creek, and stream. Gently rolling topography with hardwoods and open land. Great building site can be subdivided. $1,449,000. Sandy Flats Road.Call Kenneth Savage @ Savage Real Estate & Auction Company, cell: 770-718-8927 or office: 770-983-0066, www.savagerealestate.com


Resort Living With 2 Homes On 9.6 +/- Acre Park Like Setting With 3 Ponds. Custom built mountain country chalet home & guest house, exquisite landscaping. 4 Bedroom 3 bath, wood siding, roof has designer shingles, huge office with fireplace, that could also be used for a family room or game room. Guest house has 2 bedrooms & 2 baths with a great view overlooking pond. $459,000. Singing Tree Lane. Call Janie Savage @ Savage Real Estate & Auction Company, cell: 770-654-3513 or office: 770-983-0066, www.savagerealestate.com

WILKES COUNTY

Sportsman’s Paradise!! 154 Acre tract with 4300 ft. of frontage on Broad River. A Super recreational tract offering canoeing, fishing, hunting, and camping opportunities. Located on Hwy. 17 on the Wilkes/Elbert County line, this property has easy access with a private gated fence entrance. Good interior roads make all areas of the property easily accessible . Established wildlife food plots for deer and turkey. Unusual open water duck pond. A home/cabin site is situated high above flood plain. BARGAIN PRICE! $2,325/AC. Owner/Broker. Contact Eddie Drinkard, 706-318-3636, email: [email protected], or visit Web site: www.DrinkardRealEstateSales.com

WILKINSON COUNTY

1,094.96+/- Acre Recreation Tract in Wilkinson County on Oconee River. The tract is located approximately 10.6 miles southeast of Toomsboro, GA. Acreage consists of 2 different tracts: The pond tract and river tract. The pond tract contains approxi-mately 350 acres of planted pines, an approximate 13 acre fully stocked pond, and an approximate 10 acre dove field. The river tract is a mixture of hardwoods, cypress and cut over and has approximately 1.5 miles of frontage on the Oconee River. Electrical power, deep well and septic field are in place. There is an approximate 3,600 square foot metal storage building on slab. Additional chattel is included. Contact Bruce Elliott at Bruce Elliott & Associates, Inc., 478-746-0700 or [email protected].

WHITE COUNTY

37.36 acres carefully timbered, gentle acreage in southeastern White County. Quality hardwoods remain. Branch runs across rear of property. Approx 2,000 ft on paved county road. Unrestricted. Magnif-icent seasonal long range views. Full-time seclusion possible for a perfect estate or two, or subdivision possible off county road. Easy access from Cleveland, Clarkesville or Cornelia – just a hop away from Hwy 985. $250,312 (99020) Shield, Realtors Rose Mariee 678-776-7437

STAGGERING MOUNTAIN VIEWS! “Green Energy” log and hardi-plank home on 79 acres. 5BR/4.5BA, large open kitchen w/granite C-tops, office, loft and finished terrace level. 30x30 wind powered workshop, geo-thermal and conventional H/A and pellet stove. $1,250,000 (98817) Shield, Realtors Ruth 706-499-4702

WORTH COUNTY

A mid sized tract in the heart of big farming and big buck area of Worth County. This tract was formerly mostly wooded. The owners have harveted the majority of timber from this tract and are well under way to conversion to farm land. They expect this tract to yield +-55 acres or +-75 percent in cleared/prepped land suitable for cultivation and/or pasture. Call Brenda DeLoach with Southern Traditions Realty 229.507.0622.

Cartersville1300 East Main Street Cartersville, GA 30120(770) 382-3637

Chatsworth19 Woodlake Drive Chatsworth, GA 30705(706) 695-0020

Clarkesville102 Blacksnake Road Mt. Airy, GA 30563(706) 754-4158

Cordele1207 South Greer Street Cordele, GA 31010(229) 273-3927

Dublin 826 Bellevue Avenue Dublin, GA 31021(478) 272-3255

Gainesville 501 Broad Street Gainesville, GA 30501(770) 534-5395

LaFayette700 East Villanow StreetLaFayette, GA 30728(706) 638-1940

Montezuma317 Walnut Street Montezuma, GA 31063(478) 472-5156

Moultrie22 5th Avenue., SEMoultrie, GA 31768(229) 985-3893

Nashville707 N. Davis Street Nashville, GA 31639(229) 686-5081

Ocilla302 S. Cherry StreetOcilla, GA 31774(229) 468-5900

Perry468 Perry ParkwayPerry, GA 31069(478) 987-1434

Quitman504 E. Screven Street Quitman, GA 31643(229) 263-7551

Rome701 East 2nd AvenueRome, GA 30162(706) 291-6340

Royston675 Church StreetRoyston, GA 30662(706) 245-6142

Sandersville775 Sparta Road Sandersville, GA 31082(478) 552-6922

Sylvester105 Dexter Wilson BlvdSylvester, GA 31791(229) 776-5599

Tifton 1807 King RoadTifton, GA 31794(229) 382-4300

WashingtonU.S. 78, 311 North Bypass Washington, GA 30673(706) 678-7088

Waynesboro176 Highway 80 West Waynesboro, GA 30830(706) 554-2107

Office Locations

AgGeorgia Farm CreditP.O. Box 1820Perry, GA 31069

PRSRT STDU.S. POSTAGE

PAIDCOLUMBIA SCPERMIT 1160

www.aggeorgia.com www.landbanksolutions.com

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