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99 Sandy Valley Dr
C- Composite 50.72
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

99 Sandy Valley Dr · Warner Robins, GA 31088
3 bd · 2.5 ba · 2,150 sqft · SingleFamily public records · 10 Days on market
Built 1979 1.74 ac lot $105/sqft · 10% below area Est $341k · 34% under

🖨 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

FRONT PORCHBASEMENT LIVING ROOMFULL BATHROOMWET BARLARGE DECKLONG DRIVEWAY

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

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

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.
Recommended offer $189,648 (15.7% below list)

Questions for the listing agent

  1. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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

5-year hold
IRR
-15.4%
Equity multiple
0.46×
Total profit
$-34,248
Equity at exit
$33,548
10-year hold
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
Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

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

Break-even rent $1,802
Max offer price $225,000
Occupancy floor 91%

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

AddressBedsBaths SqftRent$/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

  1. 2026-05-14
    listed $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.

  2. 2026-05-14
    listed $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.

  3. 2022-07-18
    soldstatus $160,000
  4. 2005-03-24
    soldstatus $128,000
  5. 1998-07-27
    soldstatus $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

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Walkable amenities ~0.75 mi

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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
combined federal + state — saved on this device
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

Amenities F Commute F Cost of living A+ Crime F Employment D+ Housing A+ Health & safety A+ User ratings F

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
36.9% rent · 63.1% 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

Price history

+130.8% since first listed
7 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%/yr

Latest (2023): $1,796 · +33.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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