1101 Pine Ave · Brunswick, GA 31520

$99,900

3 bd · 2.0 ba · 1,848 sqft · SingleFamily public records · 76 Days on market

Built 1948 7,405 sqft lot $54/sqft · 67% 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
• Rent growth +3.8/5.0
• Schools +3.4/10.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor special in Brunswick, GA! Located at 1101 Pine Avenue, this single-family home is a full fixer-upper and renovation opportunity with major upfront hurdles already cleared. Architectural plans are included and permits are pre-approved, allowing an investor, builder, or rehabber to move directly into construction without the typical design and approval delays. This property requires a complete renovation and is being sold as-is, making it ideal for a cash buyer, renovation loan, or experienced flipper seeking a true value-add opportunity. A brand-new roof has already been installed, providing a strong starting point for the rehab process. With strong after-repair resale potential, the estimated ARV is projected in the high $300,000s to low $400,000s range, depending on finishes and execution. Comparable renovated homes in the Brunswick area support the upside for investors ready to transform this property. Perfect for: - Fix-and-flip investors - Buy-and-hold investors seeking forced appreciation - Builders looking for a permitted project - Renovation specialists ready to execute Skip months of planning and permitting and start the renovation phase immediately. Opportunities with approved plans and permits in place are rare in this market.

Key facts

• Complete renovation
• Permits pre-approved
• Brand-new roof

Tags

• ARCHITECTURAL PLANS INCLUDED
• PERMITS PRE-APPROVED
• BRAND-NEW ROOF
• COMPLETE RENOVATION
• PERMITTED PROJECT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $622 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $94k (6.0% below list) — sets the bar for market timing.
• Cap rate 14.6% vs local median 4.1% in Brunswick — 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 59/100 on livability (#401 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: crime D, schools D-, amenities F.
• Glynn County (other): math 37% / reading 42% proficiency, ranked #47 of 174 in GA (top 27%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.1%/yr); 183 active listings in the ZIP; lower-income renter base — watch delinquency; 734 units permitted in Glynn County in 2024 (136 in 5+ unit buildings).
• At $1,640/mo this rent would consume 49% of the median local household income ($40k/yr) (locally 1406% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Glynn County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 5.1% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $75k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is D 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?
8. 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.
9. 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.
10. 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: 1.64% ✓
• Cap rate: 14.56%
• Cash-on-cash: 29.54%
• DSCR: 2.31
• GRM: 5.1

CMA / ARV

• ARV (median comp): $298,706
• List price: $99,900
• Delta: -66.56%
• 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
1101 Pine Ave	0.00mi	3/2.5	1,848 (0%)	1mo	$95,000	$51	97
1101 Pine Ave	0.00mi	3/2.0	1,848 (0%)	22mo	$58,000	$31	82
1401 Palmetto Ave	0.34mi	3/2.0	1,810 (-2%)	17mo	$390,000	$215	67
1206 Magnolia Ave	0.08mi	3/2.0	1,630 (-12%)	12mo	$270,000	$166	66
710 George St	0.42mi	3/3.5	1,863 (+1%)	17mo	$624,900	$335	59
801 Prince St	0.44mi	2/2.0 (-1)	1,661 (-10%)	1mo	$235,000	$141	57
43 Arbor Pt	0.39mi	4/2.0 (+1)	1,978 (+7%)	10mo	$515,500	$261	57
1014 Union St	0.44mi	3/2.5	2,040 (+10%)	13mo	$545,000	$267	49
512 Newcastle St	0.71mi	3/2.0	1,974 (+7%)	9mo	$180,000	$91	48
1515 Lee St	0.43mi	3/2.0	1,582 (-14%)	13mo	$265,000	$168	46
802 G St	0.68mi	2/2.0 (-1)	1,641 (-11%)	0mo	$85,000	$52	44
1002 Dartmouth St	0.53mi	4/2.0 (+1)	1,982 (+7%)	18mo	$225,000	$114	43

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 · 5.08% rent growth · sell at horizon

5-year hold

• IRR: 22.9%
• Equity multiple: 1.96×
• Total profit: $26,952
• Equity at exit: $14,895

10-year hold

• IRR: 32.1%
• Equity multiple: 4.20×
• Total profit: $89,552
• Equity at exit: $8,638

Cash invested: $27,972 (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 31520

• Rents YoY: 5.1%
• Active inventory: 183
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,640 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$42 /mo · $503/yr
• Insurance: −$42
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $622

Break-even live

Break-even rent $853

Max offer price $99,900

Occupancy floor 57%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-05-19
   status Under Contract 1265-char remark

   Show marketing remark (1265 chars)

   Investor special in Brunswick, GA! Located at 1101 Pine Avenue, this single-family home is a full fixer-upper and renovation opportunity with major upfront hurdles already cleared. Architectural plans are included and permits are pre-approved, allowing an investor, builder, or rehabber to move directly into construction without the typical design and approval delays. This property requires a complete renovation and is being sold as-is, making it ideal for a cash buyer, renovation loan, or experienced flipper seeking a true value-add opportunity. A brand-new roof has already been installed, providing a strong starting point for the rehab process. With strong after-repair resale potential, the estimated ARV is projected in the high $300,000s to low $400,000s range, depending on finishes and execution. Comparable renovated homes in the Brunswick area support the upside for investors ready to transform this property. Perfect for: - Fix-and-flip investors - Buy-and-hold investors seeking forced appreciation - Builders looking for a permitted project - Renovation specialists ready to execute Skip months of planning and permitting and start the renovation phase immediately. Opportunities with approved plans and permits in place are rare in this market.

2. 2026-05-11
   price $99,900 1265-char remark

   Show marketing remark (1265 chars)

   Investor special in Brunswick, GA! Located at 1101 Pine Avenue, this single-family home is a full fixer-upper and renovation opportunity with major upfront hurdles already cleared. Architectural plans are included and permits are pre-approved, allowing an investor, builder, or rehabber to move directly into construction without the typical design and approval delays. This property requires a complete renovation and is being sold as-is, making it ideal for a cash buyer, renovation loan, or experienced flipper seeking a true value-add opportunity. A brand-new roof has already been installed, providing a strong starting point for the rehab process. With strong after-repair resale potential, the estimated ARV is projected in the high $300,000s to low $400,000s range, depending on finishes and execution. Comparable renovated homes in the Brunswick area support the upside for investors ready to transform this property. Perfect for: - Fix-and-flip investors - Buy-and-hold investors seeking forced appreciation - Builders looking for a permitted project - Renovation specialists ready to execute Skip months of planning and permitting and start the renovation phase immediately. Opportunities with approved plans and permits in place are rare in this market.

3. 2026-04-08
   price $114,900 1265-char remark

   Show marketing remark (1265 chars)

   Investor special in Brunswick, GA! Located at 1101 Pine Avenue, this single-family home is a full fixer-upper and renovation opportunity with major upfront hurdles already cleared. Architectural plans are included and permits are pre-approved, allowing an investor, builder, or rehabber to move directly into construction without the typical design and approval delays. This property requires a complete renovation and is being sold as-is, making it ideal for a cash buyer, renovation loan, or experienced flipper seeking a true value-add opportunity. A brand-new roof has already been installed, providing a strong starting point for the rehab process. With strong after-repair resale potential, the estimated ARV is projected in the high $300,000s to low $400,000s range, depending on finishes and execution. Comparable renovated homes in the Brunswick area support the upside for investors ready to transform this property. Perfect for: - Fix-and-flip investors - Buy-and-hold investors seeking forced appreciation - Builders looking for a permitted project - Renovation specialists ready to execute Skip months of planning and permitting and start the renovation phase immediately. Opportunities with approved plans and permits in place are rare in this market.

4. 2026-03-04
   listed $125,000 New 1265-char remark

   Show marketing remark (1265 chars)

   Investor special in Brunswick, GA! Located at 1101 Pine Avenue, this single-family home is a full fixer-upper and renovation opportunity with major upfront hurdles already cleared. Architectural plans are included and permits are pre-approved, allowing an investor, builder, or rehabber to move directly into construction without the typical design and approval delays. This property requires a complete renovation and is being sold as-is, making it ideal for a cash buyer, renovation loan, or experienced flipper seeking a true value-add opportunity. A brand-new roof has already been installed, providing a strong starting point for the rehab process. With strong after-repair resale potential, the estimated ARV is projected in the high $300,000s to low $400,000s range, depending on finishes and execution. Comparable renovated homes in the Brunswick area support the upside for investors ready to transform this property. Perfect for: - Fix-and-flip investors - Buy-and-hold investors seeking forced appreciation - Builders looking for a permitted project - Renovation specialists ready to execute Skip months of planning and permitting and start the renovation phase immediately. Opportunities with approved plans and permits in place are rare in this market.

5. 2025-08-18
   soldstatus $75,000
6. 2024-09-03
   soldstatus $58,000

ⓘ 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: $503 · $42/mo
• Projected year-2 tax: $919 · $77/mo
• Expected delta: +$416/yr (+$35/mo · 82.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 75% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,686
• − Mortgage interest: −$5,596
• − Property taxes: −$503
• − Insurance: −$1,297
• − Repairs & maintenance: −$1,575
• − Management: −$1,575
• − Depreciation: −$2,906
• Taxable income: $6,234
• Est. tax owed @ 24.0%: −$1,496
• After-tax cash flow: $5,969/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: Glynn County
• NCES district ID: 1302400
• Math proficiency: 37% ▼ -9.00%
• Reading proficiency: 42% ▼ -7.00%
• Median HH income: $47,554
• Composite: 33.83/100
• National rank: #5359
• State rank: #47 of 174 in GA

Livability — Brunswick

• Score: 59/100
• State rank: #401
• US rank: #19832

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brunswick, GA
• County: Glynn County · 69,019 people
• City population: 51,239
• Metro: Brunswick, GA
• Population (ZIP): 22,313
• Household income: $40,071
• Rent vs Own: 54.5% rent · 45.5% own
• Severe rent burden: 1406.0

Population outlook (Glynn County) Hauer SSP2

• Today (2025): 91,404 people
• By 2030: 94,806 · +3.7%
• By 2040: 100,060 · +9.5%
• By 2050: 103,258 · +13.0%
• By 2075: 107,970 · +18.1%
• By 2100: 103,363 · +13.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Black 50% White 33% Hispanic / Latino 11% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Italian 2% Slovak 1% Serbian 1%
• Foreign-born: 8% · Canada, South Korea
• Languages at home: 87% English-only · Spanish 10% French/Haitian/Cajun 1% Korean 1%

Political lean MEDSL · Glynn

• 2024 margin: Strong R (+26.0) · D 36.8% · R 62.8%
• 2008→2024 swing: -2.6pp toward R · 2008: -23.4pp · 2024: -26.0pp
• All cycles: 2024: R+26.0 2020: R+23.2 2016: R+28.6 2012: R+27.0 2008: R+23.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -274.83%
• Current HPI: 180.4581
• Rent YoY: ▲ 5.08%
• Metro: Brunswick, 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
▸Transportation / Logistics	1	$91B
▸Airlines	1	$62B
▸Consumer Goods	1	$47B
▸Utilities	1	$25B

Price history

+72.2% since first listed

6 events — show timeline

• 2026-05-19 Pending — GAMLS
• 2026-05-11 Price Changed $99,900 GAMLS
• 2026-04-08 Price Changed $114,900 GAMLS
• 2026-03-04 Listed $125,000 GAMLS
• 2025-08-18 Sold (Public Records) $75,000 Public Records
• 2024-09-03 Sold (Public Records) $58,000 Public Records

Property tax history

-1.2%/yr

Latest (2025): $503 · -9.3% YoY. Source: county tax records.