112 Senora Pl · Macon-Bibb County, GA
Flood risk 6/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.69%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $963 – $1,789
Heat risk 7/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 62.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D+ 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 +16.2/30.0
- ARV discount +15.0/15.0
- DSCR +5.0/10.0
- 1% rule +3.9/10.0
- Rent growth +2.9/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$199,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Investor's dream in the heart of North Macon! Located in Springdale Elementary district, this 3-bedroom, 2.5-bath home is priced to sell and full of potential. Features include a spacious floor plan, cozy fireplace, 2-car garage, and private backyard. Fantastic opportunity in an established neighborhood with great upside for investors or buyers ready to make it their own!
Key facts
- Private backyard
- Spacious floor plan
- North macon
Tags
Property features AI
Finance
- Other: Located in Rivoli Country subdivision; Property address: Macon, GA 31210; Lot size approximately 0.47 acre
- HOA & community: No homeowners association
Exterior
- Parking: Detached garage; Garage door opener; 2 parking spaces; Garage at kitchen level
- Utilities: Public water; Public sewer; Cable available; Natural gas available; Sewer connected
- Home design: Single-family house; One story; Resale property
- Construction: Built in 1987
- Exterior features: Composition roof; Block foundation; Press board siding; City lot; Level lot
Interior
- Kitchen: Breakfast area; Dishwasher; Disposal; Refrigerator
- Bedrooms: 3 bedrooms (all on the main level)
- Flooring: Carpet
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating (electric); Central air conditioning (electric)
- Interior features: Double vanity; Separate shower; Split bedroom floor plan; Great room; Sun room
- Laundry & utility: Laundry room; Laundry features: other
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $199k.
Deal economics
- At list price, monthly cash flow is $104 ($1k/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 $177k (11.0% below list).
- Recommended offer: $177k (11.0% below list) — sets the bar for 1% rule.
- Cap rate 6.9% vs local median 5.5% in Macon-Bibb County — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.
Location & tenants
- Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
- Bibb County (urban): math 11% / reading 18% proficiency, ranked #161 of 174 in GA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Springdale Elementary School (math 32% / reading 37%, grade F, #531 of 1,228 statewide, top 45%, 562 students, 100% FRL); Howard Middle School (math 16% / reading 30%, grade F, #321 of 470 statewide, top 69%, 992 students, 100% FRL); Howard High School (math 2% / reading 5%, grade F, #413 of 424 statewide, top 99%, 1,076 students, 100% FRL) — zoned schools average 100% FRL vs 75% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+1.7%/yr); 238 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 154 units permitted in Bibb County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
- Bibb County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
Negotiation context
- Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
- 3 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.
Risks & watch-outs
- Climate carrying-cost: major flood risk; major wind risk, 62% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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
- 0.89% ✗
- Cap rate
- 6.92%
- Cash-on-cash
- 2.24%
- DSCR
- 1.10
- GRM
- 9.4
CMA / ARV
- ARV (on-the-fly)
- $261,032
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 807 Wera Pl | 0.07mi | 3/2.0 | 2,130 (+9%) | 4mo | $215,000 | $101 | 78 |
| 138 Rivoli Oaks Cir | 0.30mi | 4/3.0 (+1) | 2,005 (+3%) | 2mo | $278,000 | $139 | 70 |
| 725 Summerwind Dr | 0.46mi | 3/2.0 | 1,956 (+0%) | 10mo | $270,000 | $138 | 69 |
| 5341 Northside Dr | 0.38mi | 4/2.5 (+1) | 1,897 (-3%) | 4mo | $226,600 | $119 | 68 |
| 818 Silver Springs Dr | 0.39mi | 3/2.5 | 2,094 (+8%) | 1mo | $328,000 | $157 | 67 |
| 192 Rivoli Lndg | 0.13mi | 3/2.0 | 2,172 (+12%) | 10mo | $335,000 | $154 | 67 |
| 5133 Oaktree Dr | 0.57mi | 3/2.0 | 1,738 (-11%) | 1mo | $280,500 | $161 | 55 |
| 132 N Springs Ct | 0.72mi | 2/2.0 (-1) | 1,946 (-0%) | 8mo | $139,900 | $72 | 55 |
| 304 Shannon Ct | 0.45mi | 4/3.0 (+1) | 1,774 (-9%) | 0mo | $236,888 | $134 | 55 |
| 311 Shannon Ct | 0.46mi | 4/3.0 (+1) | 1,774 (-9%) | 2mo | $230,888 | $130 | 53 |
| 305 Shannon Ct | 0.46mi | 4/3.0 (+1) | 1,774 (-9%) | 3mo | $221,888 | $125 | 52 |
| 303 Shannon Ct | 0.46mi | 4/3.0 (+1) | 1,774 (-9%) | 4mo | $236,888 | $134 | 52 |
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 · 1.71% rent growth · sell at horizon
- IRR
- -14.1%
- Equity multiple
- 0.50×
- Total profit
- $-27,901
- Equity at exit
- $29,672
- IRR
- -7.5%
- Equity multiple
- 0.55×
- Total profit
- $-24,915
- Equity at exit
- $17,206
Cash invested: $55,720 (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 31210
- Rents YoY
- 1.7%
- Active inventory
- 238
- Price-to-rent
- 9.4×
Monthly cashflow live
- Estimated rent
- $1,772 high interval (Pro) →
- Mortgage (P&I)
- −$1,044
- Tax from tax record
- −$169 /mo · $2,027/yr
- Insurance
- −$83
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$372
- Net cashflow
- $104
Break-even live
Sensitivity live
| Price | -10% $217 | -5% $161 | +0% $104 | +5% $48 | +10% $-8 |
|---|---|---|---|---|---|
| Rent | -10% $-36 | -5% $34 | +0% $104 | +5% $174 | +10% $244 |
| Rate | -1.0pp $204 | -0.5pp $155 | base $104 | +0.5pp $53 | +1.0pp $0 |
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
- $49,750
- Closing costs
- $5,970
- 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 9 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 137 N Springs Ct Macon, GA | 2.0 | 1.5 | 1344 | $1,100 | $0.82 | 23d | 1 | 0.74mi |
| 137 N Springs Ct Macon, GA | 2.0 | 1.5 | 1344 | $1,200 | $0.89 | 45d | 1 | 0.74mi |
| 124 Brieghton Ct Macon, GA | 4.0 | 2.5 | 2046 | $2,500 | $1.22 | 45d | 1 | 0.97mi |
| 425 Ashville Dr Macon, GA | 4.0 | 2.5 | 2048 | $2,035 | $0.99 | 45d | 1 | 1.00mi |
| 810 Wesleyan Dr Macon, GA | 3.0 | 2.0 | 1337 | $1,900 | $1.42 | 45d | 1 | 1.28mi |
| 526 Edgefield Way Macon, GA | 4.0 | 2.5 | 2182 | $2,400 | $1.10 | 45d | 1 | 1.42mi |
| 5235 Bowman Rd Macon, GA | 1.0–3.0 | 1.0–2.0 | 1225 | $1,995 | $1.63 | 15d | 17 | 1.42mi |
| 643 Millrun Ct Macon, GA | 3.0 | 2.5 | 2355 | $2,400 | $1.02 | 45d | 1 | 1.47mi |
| 291 Plantation Centre Dr N Macon, GA | 1.0–3.0 | 1.0–2.0 | 1066 | $1,475 | $1.38 | 15d | 27 | 1.47mi |
Listing history 6 events
-
2026-06-09status $199,000 Under Contract 7 DOM
-
2026-06-08days on market $199,000 New 7 DOM
-
2026-06-07days on market $199,000 New 6 DOM
-
2026-06-03days on market $199,000 New 2 DOM
-
2026-06-01remarks 374-char remark
Show marketing remark (374 chars)
Investor's dream in the heart of North Macon! Located in Springdale Elementary district, this 3-bedroom, 2.5-bath home is priced to sell and full of potential. Features include a spacious floor plan, cozy fireplace, 2-car garage, and private backyard. Fantastic opportunity in an established neighborhood with great upside for investors or buyers ready to make it their own!
-
2026-06-01$199,000 New 1 DOM
Show marketing remark (374 chars)
Investor's dream in the heart of North Macon! Located in Springdale Elementary district, this 3-bedroom, 2.5-bath home is priced to sell and full of potential. Features include a spacious floor plan, cozy fireplace, 2-car garage, and private backyard. Fantastic opportunity in an established neighborhood with great upside for investors or buyers ready to make it their own!
ⓘ 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
- $2,027 · $169/mo
- Projected year-2 tax
- $2,027 · $169/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
- Wildfire 2/10 Low
- Heat 7/10 Severe 7 d/yr ≥107°F today · 17 d/yr by 30 yrs out
- Wind 6/10 Major 62% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 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
- $21,260
- − Mortgage interest
- −$11,147
- − Property taxes
- −$2,027
- − Insurance
- −$995
- − Repairs & maintenance
- −$1,701
- − Management
- −$1,701
- − Depreciation
- −$5,789
- Taxable loss
- −$2,099
- Est. tax savings @ 24.0%
- +$504
- After-tax cash flow
- $1,755/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
- Bibb County
- NCES district ID
- 1300420
- Math proficiency
- 11% ▼ -14.00%
- Reading proficiency
- 18% ▼ -11.00%
- Median HH income
- $37,426
- Composite
- 12.13/100
- National rank
- #9654
- State rank
- #161 of 174 in GA
Livability — Macon-Bibb County
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- Macon-Bibb County, GA
- County
- Bibb County · 164,332 people
- City population
- 143,186
- Metro
- Macon-Bibb County, GA
- Population (ZIP)
- 33,288
- Household income
- $78,447
- Rent vs Own
- Severe rent burden
- 1845.0
Population outlook (Bibb County) Hauer SSP2
- Today (2025)
- 148,772 people
- By 2030
- 145,904 · -1.9%
- By 2040
- 139,404 · -6.3%
- By 2050
- 131,603 · -11.5%
- By 2075
- 111,050 · -25.4%
- By 2100
- 83,346 · -44.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.62)
- Race & ethnicity
- White 52% Black 32% Two or more races 7% Hispanic / Latino 6% Asian 4%
- Hispanic origin (detail)
- Mexican 2% Cuban 1%
- Common ancestry
- Slovak 3% Serbian 1% Italian 1%
- Foreign-born
- 5% · Canada, China, South Korea
- Languages at home
- 93% English-only · Spanish 3% Other Indo-European 1% Chinese 1%
Political lean MEDSL · Bibb
- 2024 margin
- Strong D (+22.4) · D 61.0% · R 38.5%
- 2008→2024 swing
- +4.4pp toward D · 2008: 18.0pp · 2024: 22.4pp
- All cycles
- 2024: D+22.4 2020: D+23.8 2016: D+20.2 2012: D+20.0 2008: D+18.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -144.60%
- Current HPI
- 172.1313
- Rent YoY
- ▲ 1.71%
- Metro
- Macon-Bibb County, 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 |
|
||
| Retail | 1 | $160B |
|
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| Transportation / Logistics | 1 | $91B |
|
||
| Airlines | 1 | $62B |
|
||
| Consumer Goods | 1 | $47B |
|
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| Utilities | 1 | $25B |
|
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Price history
+0.0% since first listed3 events — show timeline
- 2026-06-01 Listed $199,000 MGMLS
- 2026-06-01 Listed $199,000 CGMLS
- 2026-05-24 Listed $199,000 GAMLS
Property tax history
+7.5%/yrLatest (2025): $2,027 · -1.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…