320 W Magnolia St · Fitzgerald, GA 31750

$42,000

3 bd · 2.0 ba · 1,786 sqft · SingleFamily public records · 8 Days on market

Built 1955 8,276 sqft lot $24/sqft · 64% below area

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

|| INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You'll See ** As you pull up, you'll see a RARE DOUBLE LOT offering space, privacy, and future potential-whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you'll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You'll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city-morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You'll Feel ** You'll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You'll Experience ** You'll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities-restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you'll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald's most walkable, desirable pockets.

Key facts

• Adjoining lot
• Separate investment
• Double lot

Tags

• DOUBLE LOT
• HISTORIC DOWNTOWN FITZGERALD
• ADJOINING LOT
• FUTURE BUILD
• EXPANSION
• SEPARATE INVESTMENT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $42k.

Deal economics

• At list price, monthly cash flow is $608 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $42k).
• Cap rate 23.7% vs local median 5.0% in Fitzgerald — 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 55/100 on livability (#513 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: health & safety C-, schools F, crime F.
• Ben Hill County (rural): math 19% / reading 22% proficiency, ranked #145 of 174 in GA (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 128 active listings in the ZIP; 6 units permitted in Ben Hill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $290 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Ben Hill County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $12k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts; this cycle's ask has dropped $18k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 96% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $42,000

Questions for the listing agent

1. Built in 1955 — 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 F-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: 2.66% ✓
• Cap rate: 23.66%
• Cash-on-cash: 62.04%
• DSCR: 3.76
• GRM: 3.1

CMA / ARV

• ARV (median comp): $115,276
• List price: $42,000
• Delta: -60.96%
• 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
615 W Pine St	0.26mi	3/1.5	1,798 (+1%)	3mo	$75,000	$42	82
613 W Central Ave	0.32mi	3/2.0	1,765 (-1%)	2mo	$72,000	$41	81
613 W Central Ave Unit NA	0.32mi	3/2.0	1,765 (-1%)	2mo	$72,000	$41	81
215 W Cypress St	0.28mi	3/2.5	1,716 (-4%)	1mo	$195,400	$114	78
124 N Main Ext	0.31mi	3/2.0	1,691 (-5%)	3mo	$149,900	$89	74
509 W Jessamine St	0.15mi	3/1.5	1,648 (-8%)	5mo	$100,594	$61	74
307 W Orange St	0.20mi	4/2.0 (+1)	1,824 (+2%)	10mo	$155,000	$85	74
508 W Altamaha St	0.43mi	4/2.0 (+1)	1,816 (+2%)	11mo	$156,800	$86	63
416 W Orange St	0.24mi	3/2.0	1,585 (-11%)	10mo	$130,000	$82	62
110 S Longstreet St	0.16mi	3/2.0	1,560 (-13%)	13mo	$178,000	$114	61
707 S Lee St	0.34mi	3/2.0	2,048 (+15%)	3mo	$90,000	$44	57
154 Lincoln Ave	0.73mi	3/2.0	1,773 (-1%)	12mo	$161,500	$91	55

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 61.0%
• Equity multiple: 3.71×
• Total profit: $31,925
• Equity at exit: $6,262

10-year hold

• IRR: 65.6%
• Equity multiple: 7.61×
• Total profit: $77,691
• Equity at exit: $3,631

Cash invested: $11,760 (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.

Methodology + full state rankings →

ZIP-level market 31750

• Home prices YoY: -8.0%
• Active inventory: 128
• Price-to-rent: 3.1×

Monthly cashflow live

• Estimated rent: $1,117 medium
• Mortgage (P&I): −$220
• Tax from tax record: −$37 /mo · $445/yr
• Insurance: −$18
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $608

Break-even live

Break-even rent $348

Max offer price $42,000

Occupancy floor 41%

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: $10,500
• Closing costs: $1,260
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-18
   days on market $42,000 Active 8 DOM
2. 2026-06-17
   days on market $42,000 Active 7 DOM
3. 2026-06-16
   days on market $42,000 Active 6 DOM
4. 2026-06-15
   days on market $42,000 Active 5 DOM
5. 2026-06-13
   days on market $42,000 Active 3 DOM
6. 2026-06-12
   remarks 699-char remark
7. 2026-06-12
   pricedays on marketlisting id $42,000 Active 2 DOM
8. 2026-06-09
   days on market $45,000 Active 180 DOM
9. 2026-06-08
   days on market $45,000 Active 179 DOM
10. 2026-06-07
    days on market $45,000 Active 178 DOM
11. 2026-06-07
    days on market $45,000 Active 177 DOM
12. 2026-06-04
    days on market $45,000 Active 174 DOM
13. 2026-06-02
    days on market $45,000 Active 173 DOM
14. 2026-06-01
    days on market $45,000 Active 172 DOM
15. 2026-05-31
    days on market $45,000 Active 171 DOM
16. 2026-05-31
    days on market $45,000 Active 170 DOM
17. 2026-03-31
    price $45,000 1782-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

18. 2026-03-31
    price $45,000 1860-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

19. 2026-02-20
    price $50,000 1782-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

20. 2026-02-20
    price $50,000 1860-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

21. 2026-01-13
    price $55,000 1782-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

22. 2026-01-13
    price $55,000 1860-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

23. 2025-12-11
    listed $60,000 New 1782-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

24. 2025-12-11
    listed $60,000 Active 1860-char remark

    Show marketing remark (1860 chars)

    || INVESTOR OPPORTUNITY || || DOUBLE LOT IN THE HEART OF FITZGERALD || || WALKABLE TO HISTORIC DOWNTOWN || || EXTRA LOT FOR EXPANSION OR INVESTMENT || || NO HOA & NO RENT RESTRICTIONS || ** What You’ll See ** As you pull up, you’ll see a RARE DOUBLE LOT offering space, privacy, and future potential—whether you envision a renovation, an addition, or even a brand-new build. The original 1955 home opens into NEARLY 1,800 SQFT of space ready for your vision. Just a short stroll away, you’ll see the charm of HISTORIC DOWNTOWN FITZGERALD, with its brick-lined streets, local shops, and small-town character. ** What You’ll Hear ** You'll hear the quiet rhythm of a neighborhood settled in the heart of the city—morning birds, footsteps on sidewalks, and the distant hum of downtown events just blocks away. Listen for the possibilities this property offers: the sounds of construction for the handy buyer ready to build equity, or the energy of future tenants or guests if you choose to invest. ** What You’ll Feel ** You’ll feel the excitement of opportunity the moment you step inside. The home needs TLC, but it gives you the chance to create something truly your own. Feel the openness of the double lot, the potential of outdoor space, and the freedom of crafting a layout that works for your lifestyle or investment goals. ** What You’ll Experience ** You’ll experience the convenience of living LESS THAN 5 MINUTES ON FOOT from all your favorite downtown activities—restaurants, festivals, shopping, and community events. This location pairs small-town warmth with everyday ease. Whether you restore the existing home or start fresh, you’ll experience the reward of shaping a property with ENDLESS POTENTIAL in one of Fitzgerald’s most walkable, desirable pockets.

25. 2006-05-26
    soldstatus $41,000
26. 1993-07-31
    soldstatus $32,900

ⓘ 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: $445 · $37/mo
• Projected year-2 tax: $445 · $37/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 96% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,410
• − Mortgage interest: −$2,353
• − Property taxes: −$445
• − Insurance: −$210
• − Repairs & maintenance: −$1,073
• − Management: −$1,073
• − Depreciation: −$1,222
• Taxable income: $7,035
• Est. tax owed @ 24.0%: −$1,688
• After-tax cash flow: $5,607/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: Ben Hill County
• NCES district ID: 1300360
• Math proficiency: 19% ▼ -6.00%
• Reading proficiency: 22% ▼ -2.00%
• Median HH income: $30,617
• Composite: 16.47/100
• National rank: #9186
• State rank: #145 of 174 in GA

Livability — Fitzgerald

• Score: 55/100
• State rank: #513
• US rank: #23277

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fitzgerald, GA
• Population (ZIP): 18,582

Population outlook (Ben Hill County) Hauer SSP2

• Today (2025): 16,426 people
• By 2030: 15,788 · -3.9%
• By 2040: 14,582 · -11.2%
• By 2050: 13,351 · -18.7%
• By 2075: 10,301 · -37.3%
• By 2100: 7,652 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 54% Black 35% Hispanic / Latino 9% Two or more races 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 8% Other Indo-European 1%

Political lean MEDSL · Ben Hill

• 2024 margin: Solid R (+32.0) · D 33.8% · R 65.8%
• 2008→2024 swing: -18.3pp toward R · 2008: -13.7pp · 2024: -32.0pp
• All cycles: 2024: R+32.0 2020: R+26.2 2016: R+27.6 2012: R+14.9 2008: R+13.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -17.36%
• Current HPI: 200.1257
• Rent YoY: —
• Metro: —
• 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
▸Transportation / Logistics	1	$91B
▸Airlines	1	$62B
▸Consumer Goods	1	$47B
▸Utilities	1	$25B

Price history

+36.8% since first listed

10 events — show timeline

• 2026-03-31 Price Changed $45,000 GAMLS
• 2026-03-31 Price Changed $45,000 FMLS
• 2026-02-20 Price Changed $50,000 GAMLS
• 2026-02-20 Price Changed $50,000 FMLS
• 2026-01-13 Price Changed $55,000 GAMLS
• 2026-01-13 Price Changed $55,000 FMLS
• 2025-12-11 Listed $60,000 FMLS
• 2025-12-11 Listed $60,000 GAMLS
• 2006-05-26 Sold (Public Records) $41,000 Public Records
• 1993-07-31 Sold (Public Records) $32,900 Public Records

Property tax history

+4.8%/yr

Latest (2025): $445 · -4.9% YoY. Source: county tax records.