99 Sandy Valley Dr · Warner Robins, GA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $963 – $1,789
Heat risk 7/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +15.1/30.0
- ARV discount +15.0/15.0
- DSCR +4.6/10.0
- Schools +3.9/10.0
- 1% rule +3.4/10.0
- Livability +3.2/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$225,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Make your appointment today to view this 3 story home. Enjoy your evenings sitting on the front porch. Home features a basement (not many in Houston County) Basement has a living room, fireplace, full bathroom and wet bar for all your entertaining. Main level has a 2nd living room with fireplace #2 and a formal living room. Large Deck off of the dining room for outdoor dinners. Three bedrooms upstairs. Attached oversized 2 car garage. Home is very private with a long driveway and sits on approximately 1.74 acres.
Key facts
- Large deck
- Wet bar
- Full bathroom
Tags
Property features AI
Finance
- Other: Lot size approximately 1.74 acres; Property located at 99 Sandy Valley Dr, Warner Robins, GA 31088
- HOA & community: No association
Exterior
- Parking: Attached garage
- Utilities: Public water; Septic tank; Electricity available
- Home design: Single-family residence (house); Resale property; Three or more levels; Built in 1979
- Construction: Vinyl siding; Composition roof; Slab foundation
- Exterior features: Deck; Corner lot
Interior
- Kitchen: Dishwasher; Microwave
- Bedrooms: 3 bedrooms
- Flooring: Carpet; Laminate; Vinyl
- Bathrooms: 2 full bathrooms; 1 half bathroom; 1 full bathroom on lower level
- Heating & cooling: Central heating; Central air; Ceiling fans
- Interior features: Finished basement; Finished living area including lower level; Separate dining room; Family room; Fireplace (2 total); Other interior features
- Laundry & utility: Laundry located in basement
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath single-family listed at $225k.
Deal economics
- At list price, monthly cash flow is $75 ($899/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (15.7% below list).
- Recommended offer: $190k (15.7% below list) — sets the bar for 1% rule.
- Cap rate 6.7% vs local median 4.9% in Warner Robins — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 65/100 on livability (#227 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, crime F, amenities F.
- Houston County (urban): math 43% / reading 46% proficiency, ranked #23 of 174 in GA (top 13%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Shirley Hills Elementary School (math 44% / reading 52%, grade D, #289 of 1,228 statewide, top 24%, 545 students, 84% FRL); Huntington Middle School (math 23% / reading 32%, grade F, #268 of 470 statewide, top 57%, 827 students, 84% FRL); Warner Robins High School (math 7% / reading 21%, grade F, #322 of 424 statewide, top 76%, 1,816 students, 84% FRL) — zoned schools average 84% FRL vs 46% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Zoned-school proficiency averages 30% at this address vs 44% district-wide (-15 pts) — the specific schools serving this property underperform the Houston County average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising (+1.7%/yr); 295 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,545 units permitted in Houston County in 2024 (336 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
- Houston County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
- 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $160k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.84% ✗
- Cap rate
- 6.69%
- Cash-on-cash
- 1.43%
- DSCR
- 1.06
- GRM
- 9.9
CMA / ARV
- ARV (median comp)
- $340,599
- List price
- $225,000
- Delta
- -33.94%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 602 Lattice Bnd | 0.35mi | 3/2.5 | 2,133 (-1%) | 9mo | $290,000 | $136 | 75 |
| 105 Sandy Springs Drive Dr | 0.25mi | 4/3.0 (+1) | 2,301 (+7%) | 2mo | $375,000 | $163 | 68 |
| 203 Cumberland Woods Ter | 0.61mi | 4/3.0 (+1) | 2,192 (+2%) | 2mo | $345,000 | $157 | 60 |
| 104 Tranquill Pointe | 0.44mi | 4/2.5 (+1) | 2,042 (-5%) | 10mo | $250,000 | $122 | 57 |
| 1120 Kathryn Ryals Rd | 0.68mi | 3/2.0 | 2,057 (-4%) | 6mo | $239,000 | $116 | 54 |
| 201 Creekview Trl | 0.65mi | 4/2.0 (+1) | 2,124 (-1%) | 12mo | $310,000 | $146 | 51 |
| 109 Satilla Ln | 0.54mi | 4/3.0 (+1) | 2,326 (+8%) | 11mo | $300,000 | $129 | 45 |
| 104 Reflection Dr | 0.40mi | 4/2.0 (+1) | 1,842 (-14%) | 13mo | $275,000 | $149 | 40 |
| 303 Creekview Trl | 0.65mi | 4/3.0 (+1) | 2,412 (+12%) | 7mo | $350,000 | $145 | 36 |
| 102 Overlook Dr | 0.66mi | 4/2.0 (+1) | 1,871 (-13%) | 11mo | $233,000 | $125 | 31 |
| 209 Creek Ridge Dr | 0.68mi | 4/2.0 (+1) | 1,851 (-14%) | 14mo | $315,000 | $170 | 27 |
| 82 Satilla Ln | 0.73mi | 4/2.5 (+1) | 2,468 (+15%) | 11mo | $315,000 | $128 | 27 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 1.67% rent growth · sell at horizon
- IRR
- -15.4%
- Equity multiple
- 0.46×
- Total profit
- $-34,248
- Equity at exit
- $33,548
- IRR
- -9.2%
- Equity multiple
- 0.46×
- Total profit
- $-33,900
- Equity at exit
- $19,454
Cash invested: $63,000 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 90 Strongly Landlord-Friendly
- State Georgia
- 90 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 31088
- Rents YoY
- 1.7%
- Active inventory
- 295
- Price-to-rent
- 9.9×
Monthly cashflow live
- Estimated rent
- $1,896 high interval (Pro) →
- Mortgage (P&I)
- −$1,180
- Tax from tax record
- −$150 /mo · $1,796/yr
- Insurance
- −$94
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$398
- Net cashflow
- $75
Break-even live
Sensitivity live
| Price | -10% $202 | -5% $139 | +0% $75 | +5% $11 | +10% $-52 |
|---|---|---|---|---|---|
| Rent | -10% $-75 | -5% $0 | +0% $75 | +5% $150 | +10% $225 |
| Rate | -1.0pp $188 | -0.5pp $132 | base $75 | +0.5pp $17 | +1.0pp $-43 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $56,250
- Closing costs
- $6,750
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 14 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 108 Crossfield Dr Warner Robins, GA | 3.0 | 2.0 | 1548 | $1,795 | $1.16 | 22d | 1 | 0.74mi |
| 102 Duxbury Ct Bonaire, GA | 3.0 | 2.0 | 1725 | $1,975 | $1.14 | 22d | 1 | 0.76mi |
| 203 Bryson Way Warner Robins, GA | 3.0 | 2.0 | 1858 | $1,850 | $1.00 | 45d | 1 | 0.80mi |
| 113 Gray Fox Xing Bonaire, GA | 4.0 | 2.0 | 1717 | $2,200 | $1.28 | 22d | 1 | 0.83mi |
| 109 Leisure Pointe Cv Warner Robins, GA | 4.0 | 2.5 | 1682 | $1,925 | $1.14 | 45d | 1 | 0.90mi |
| 106 Leisure Pointe Cv Warner Robins, GA | 4.0 | 2.5 | 1682 | $2,000 | $1.19 | 45d | 1 | 0.91mi |
| 106 Leisure Pointe Cv Warner Robins, GA | 4.0 | 2.5 | 1682 | $1,950 | $1.16 | 15d | 1 | 0.91mi |
| 91 Bass Rd Warner Robins, GA | 1.0–3.0 | 1.0–2.5 | 1008 | $2,199 | $2.18 | 15d | 11 | 1.03mi |
| 309 Raleigh Dr Warner Robins, GA | 4.0 | 2.5 | 1984 | $4,995 | $2.52 | 45d | 1 | 1.19mi |
| 309 Raleigh Dr Warner Robins, GA | 4.0 | 3.0 | 1984 | $4,995 | $2.52 | 22d | 1 | 1.19mi |
| 132 Cathy Ct Warner Robins, GA | 3.0 | 1.5 | 1428 | $1,450 | $1.02 | 22d | 1 | 1.34mi |
| 132 Cathy Ct Warner Robins, GA | 3.0 | 2.0 | 1428 | $1,450 | $1.02 | 15d | 1 | 1.34mi |
| 121 Highland Dr Warner Robins, GA | 3.0 | 2.0 | 1712 | $1,795 | $1.05 | 22d | 1 | 1.42mi |
| 121 Highland Dr Warner Robins, GA | 3.0 | 2.0 | 1712 | $1,795 | $1.05 | 45d | 1 | 1.42mi |
Listing history 5 events
-
2026-05-14$225,000 Active 519-char remark
Show marketing remark (519 chars)
Make your appointment today to view this 3 story home. Enjoy your evenings sitting on the front porch. Home features a basement (not many in Houston County) Basement has a living room, fireplace, full bathroom and wet bar for all your entertaining. Main level has a 2nd living room with fireplace #2 and a formal living room. Large Deck off of the dining room for outdoor dinners. Three bedrooms upstairs. Attached oversized 2 car garage. Home is very private with a long driveway and sits on approximately 1.74 acres.
-
2026-05-14$225,000 New 518-char remark
Show marketing remark (519 chars)
Make your appointment today to view this 3 story home. Enjoy your evenings sitting on the front porch. Home features a basement (not many in Houston County) Basement has a living room, fireplace, full bathroom and wet bar for all your entertaining. Main level has a 2nd living room with fireplace #2 and a formal living room. Large Deck off of the dining room for outdoor dinners. Three bedrooms upstairs. Attached oversized 2 car garage. Home is very private with a long driveway and sits on approximately 1.74 acres.
-
2022-07-18soldstatus $160,000
-
2005-03-24soldstatus $128,000
-
1998-07-27soldstatus $97,500
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast GA · Resets to sale price
- Current annual tax
- $1,796 · $150/mo
- Projected year-2 tax
- $2,070 · $172/mo
- Expected delta
- +$274/yr (+$23/mo · 15.3%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 7/10 Severe 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
- Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,758
- − Mortgage interest
- −$12,603
- − Property taxes
- −$1,796
- − Insurance
- −$1,125
- − Repairs & maintenance
- −$1,821
- − Management
- −$1,821
- − Depreciation
- −$6,545
- Taxable loss
- −$2,953
- Est. tax savings @ 24.0%
- +$709
- After-tax cash flow
- $1,607/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Houston County
- NCES district ID
- 1302880
- Math proficiency
- 43% ▼ -7.00%
- Reading proficiency
- 46% ▼ -2.00%
- Median HH income
- $54,823
- Composite
- 38.68/100
- National rank
- #4144
- State rank
- #23 of 174 in GA
Livability — Warner Robins
- Score
- 65/100
- State rank
- #227
- US rank
- #13290
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Houston County · 157,321 people
- City population
- 92,102
- Metro
- Warner Robins, GA
- Population (ZIP)
- 58,585
- Household income
- $83,082
- Rent vs Own
- Severe rent burden
- 1668.0
Population outlook (Houston County) Hauer SSP2
- Today (2025)
- 169,502 people
- By 2030
- 178,486 · +5.3%
- By 2040
- 194,642 · +14.8%
- By 2050
- 207,119 · +22.2%
- By 2075
- 231,480 · +36.6%
- By 2100
- 235,034 · +38.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.63)
- Race & ethnicity
- White 51% Black 32% Two or more races 9% Hispanic / Latino 7% Asian 4%
- Hispanic origin (detail)
- Mexican 4%
- Common ancestry
- Romanian 2% Slovak 2% Lithuanian 2%
- Foreign-born
- 9% · Canada, Vietnam, Jamaica
- Languages at home
- 90% English-only · Spanish 5% Other Asian/Pacific 2% Vietnamese 2%
Political lean MEDSL · Houston
- 2024 margin
- R (+11.3) · D 44.0% · R 55.3%
- 2008→2024 swing
- +8.9pp toward D · 2008: -20.2pp · 2024: -11.3pp
- All cycles
- 2024: R+11.3 2020: R+12.4 2016: R+21.6 2012: R+20.7 2008: R+20.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -135.75%
- Current HPI
- 219.8261
- Rent YoY
- ▲ 1.67%
- Metro
- Warner Robins, GA
- State GDP YoY
- ▲ 2.66%
- F500 in state
- 28
Industry mix (Fortune 500 HQ in GA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Paper / Packaging | 2 | $29B |
|
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| Retail | 1 | $160B |
|
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| Transportation / Logistics | 1 | $91B |
|
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| Airlines | 1 | $62B |
|
||
| Consumer Goods | 1 | $47B |
|
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| Utilities | 1 | $25B |
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Price history
+130.8% since first listed7 events — show timeline
- 2026-05-25 Pending — GAMLS
- 2026-05-25 Pending — CGMLS
- 2026-05-14 Listed $225,000 CGMLS
- 2026-05-14 Listed $225,000 GAMLS
- 2022-07-18 Sold (Public Records) $160,000 Public Records
- 2005-03-24 Sold (Public Records) $128,000 Public Records
- 1998-07-27 Sold (Public Records) $97,500 Public Records
Property tax history
+4.2%/yrLatest (2023): $1,796 · +33.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…