137 Cheyenne Trl · Gumlog, GA 30557

$189,900

3 bd · 2.0 ba · 1,152 sqft · Other · 73 Days on market

Built 2025 0.29 ac lot

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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 +13.5/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.1/10.0
• 1% rule +3.8/10.0
• Livability +3.3/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

Key facts

• Play area
• Boat dock
• Private wooded lot

Tags

• LAKE ACCESS
• WRAP-AROUND PORCH
• PRIVATE WOODED LOT
• COMMUNITY LAKE AMENITIES
• BOAT DOCK
• PLAY AREA

Property features AI

Finance

• HOA & community: Community features include a dock and lake

Exterior

• Parking: Four total parking spaces; Driveway parking; Parking pad; Open parking available
• Utilities: Public water; Septic tank sewer; 110V and 220V electric service; Cable available
• Home design: One-level home (single story); New construction; Shingle roof; HardiPlank-type exterior; Block foundation; Entry facing not specified
• Construction: Built with HardiPlank-type siding; Block foundation; Shingle roof; New construction
• Exterior features: Private entrance; Private yard; Rain gutters; Deck; Front porch; Rear porch; Side porch; Paved road frontage on a county road; Community dock and lake access

Interior

• Kitchen: White cabinets; Pantry; Stone countertops; Dishwasher; Electric range
• Bedrooms: Master on main; Split bedroom plan; Three main-level bedrooms
• Flooring: Luxury vinyl flooring
• Bathrooms: Two full bathrooms; Both main-level bathrooms; Master bath with double vanity
• Heating & cooling: Central air; Ceiling fan(s); Electric heating with forced air
• Interior features: Double vanity in bathroom; Walk-in closet(s); Double-pane windows; No shared/common walls; Crawl space with exterior entry (basement type)
• Laundry & utility: Main-level laundry; Electric water heater

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $190k.

Deal economics

• At list price, monthly cash flow is $7 ($80/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 $167k (12.1% below list).
• Recommended offer: $167k (12.1% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 2.7% in Gumlog — 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 66/100 on livability (#185 in GA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Stephens County (rural): math 34% / reading 34% proficiency, ranked #74 of 174 in GA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Big A Elementary School (436 students, 75% FRL); Stephens County Middle School (math 29% / reading 31%, grade F, #243 of 470 statewide, top 53%, 860 students, 75% FRL); Stephens County High School (math 18% / reading 34%, grade F, #175 of 424 statewide, top 42%, 1,142 students, 46% FRL).
• Market conditions: 125 active listings in the ZIP; 52 units permitted in Stephens County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $19k appreciation (10.0% local appreciation)).
• Stephens County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $53k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 73 days — a 6% lower offer ($179k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 2y ago 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 $136k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $166,969 (12.1% below list)

Questions for the listing agent

1. It's been on market 73 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.88% ✗
• Cap rate: 6.34%
• Cash-on-cash: 0.15%
• DSCR: 1.01
• GRM: 9.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.4%
• Equity multiple: 2.95×
• Total profit: $103,876
• Equity at exit: $171,077

10-year hold

• IRR: 21.6%
• Equity multiple: 6.75×
• Total profit: $305,613
• Equity at exit: $368,934

Cash invested: $53,172 (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 30557

• Home prices YoY: 5.6%
• Active inventory: 125
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,670 medium
• Mortgage (P&I): −$996
• Tax est. 1.5%: −$237 /mo · $2,848/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $7

Break-even live

Break-even rent $1,661

Max offer price $189,900

Occupancy floor 95%

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Listing history 38 events

1. 2026-05-09
   status Pending
2. 2026-05-08
   historical Active Under Contract
3. 2026-04-28
   status Pending
4. 2026-04-24
   status Under Contract 1410-char remark

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

5. 2026-04-24
   historical Active Under Contract

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

6. 2026-04-10
   price $189,900 1410-char remark

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

7. 2026-04-10
   price $189,900

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

8. 2026-04-02
   status Back On Market 1410-char remark

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

9. 2026-04-02
   status Active

   Show marketing remark (1410 chars)

   LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

10. 2026-03-25
    status Under Contract 1410-char remark

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

11. 2026-03-25
    historical Active Under Contract

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

12. 2026-03-13
    price $192,900 1410-char remark

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

13. 2026-03-13
    price $192,900

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

14. 2026-03-09
    price $193,400 1410-char remark

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

15. 2026-03-09
    price $193,400

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

16. 2026-02-26
    price $193,900 1410-char remark

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

17. 2026-02-26
    price $193,900

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

18. 2026-02-13
    listed $194,500 Active

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

19. 2026-02-13
    listed $194,500 New 1410-char remark

    Show marketing remark (1410 chars)

    LOCATED IN THE LAKE HARBOR SHORES SUBDIVISION, HOMEOWNERS ENJOY OPTIONAL ACCESS TO THE COMMUNITY LAKE AMENITIES, INCLUDING A BOAT DOCK, RAMP, PAVILION, AND PLAY AREA!NEW CONSTRUCTION! MOVE IN READY! LAKE ACCESS! Welcome to a brand-new, stick-built construction home thoughtfully crafted for lasting quality and peace of mind, not a modular or mobile home. Designed with durability and low maintenance in mind, the exterior features attractive Hardi-plank siding and a welcoming wrap-around porch and deck that creates the perfect setting for morning coffee, evening relaxation, or entertaining while overlooking the private, wooded lot. Inside, you'll find a bright, open layout with spacious living areas and luxury vinyl plank flooring throughout for both style and everyday durability. The kitchen shines with beautiful stone countertops, modern finishes, and seamless flow into the main living spaces, making it ideal for gatherings and easy daily living. Large windows bring in natural light and connect the indoors to the peaceful outdoor surroundings. Located in the Lake Harbor Shores subdivision, homeowners enjoy optional access to the community lake amenities, including a boat dock, ramp, pavilion, and play area - perfect for fishing, boating, and spending time outdoors. This home offers the rare combination of new construction quality, privacy, and lake-life recreation at an exceptional value.

20. 2026-01-23
    soldstatus $136,000
21. 2025-12-31
    historical
22. 2025-12-05
    price $200,000
23. 2025-11-05
    price $212,500
24. 2025-10-08
    price $215,000
25. 2025-09-10
    price $225,000
26. 2025-08-20
    status Back On Market
27. 2025-07-30
    historical Active Under Contract
28. 2025-07-16
    price $229,275
29. 2025-06-04
    listed $230,000 New
30. 2025-03-18
    soldstatus $8,500 Closed
31. 2025-03-18
    soldstatus $8,500 Sold
32. 2025-03-17
    status Pending
33. 2025-02-14
    status Under Contract
34. 2025-02-14
    historical Active Under Contract
35. 2024-06-27
    price $9,500
36. 2024-06-27
    price $9,500
37. 2024-01-11
    listed $12,000 Active
38. 2024-01-11
    listed $12,000 New

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,036
• − Mortgage interest: −$10,637
• − Property taxes: −$2,848
• − Insurance: −$950
• − Repairs & maintenance: −$1,603
• − Management: −$1,603
• − Depreciation: −$5,524
• Taxable loss: −$3,129
• Est. tax savings @ 24.0%: +$751
• After-tax cash flow: $831/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: Stephens County
• NCES district ID: 1304560
• Math proficiency: 34% ▼ -6.00%
• Reading proficiency: 34% ▼ -4.00%
• Median HH income: $38,416
• Composite: 28.42/100
• National rank: #6759
• State rank: #74 of 174 in GA

Livability — Gumlog

• Score: 66/100
• State rank: #185
• US rank: #11633

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,905

Population outlook (Stephens County) Hauer SSP2

• Today (2025): 23,797 people
• By 2030: 22,785 · -4.3%
• By 2040: 20,653 · -13.2%
• By 2050: 18,745 · -21.2%
• By 2075: 14,780 · -37.9%
• By 2100: 11,079 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 8% Two or more races 4%
• Common ancestry: Italian 5% Serbian 2% Iranian 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · French/Haitian/Cajun 1%

Political lean MEDSL · Stephens

• 2024 margin: Solid R (+62.8) · D 18.4% · R 81.2%
• 2008→2024 swing: -15.4pp toward R · 2008: -47.4pp · 2024: -62.8pp
• All cycles: 2024: R+62.8 2020: R+58.7 2016: R+59.9 2012: R+53.7 2008: R+47.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 18.48%
• Current HPI: 350.6536
• 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

+1482.5% since first listed

38 events — show timeline

• 2026-05-09 Pending — FMLS
• 2026-05-08 Contingent — FMLS
• 2026-04-28 Pending — FMLS
• 2026-04-24 Pending — GAMLS
• 2026-04-24 Contingent — FMLS
• 2026-04-10 Price Changed $189,900 GAMLS
• 2026-04-10 Price Changed $189,900 FMLS
• 2026-04-02 Relisted — GAMLS
• 2026-04-02 Relisted — FMLS
• 2026-03-25 Pending — GAMLS
• 2026-03-25 Contingent — FMLS
• 2026-03-13 Price Changed $192,900 GAMLS
• 2026-03-13 Price Changed $192,900 FMLS
• 2026-03-09 Price Changed $193,400 GAMLS
• 2026-03-09 Price Changed $193,400 FMLS
• 2026-02-26 Price Changed $193,900 GAMLS
• 2026-02-26 Price Changed $193,900 FMLS
• 2026-02-13 Listed $194,500 GAMLS
• 2026-02-13 Listed $194,500 FMLS
• 2026-01-23 Sold (Public Records) $136,000 Public Records
• 2025-12-31 Listing Removed — GAMLS
• 2025-12-05 Price Changed $200,000 GAMLS
• 2025-11-05 Price Changed $212,500 GAMLS
• 2025-10-08 Price Changed $215,000 GAMLS
• 2025-09-10 Price Changed $225,000 GAMLS
• 2025-08-20 Relisted — GAMLS
• 2025-07-30 Contingent — GAMLS
• 2025-07-16 Price Changed $229,275 GAMLS
• 2025-06-04 Listed $230,000 GAMLS
• 2025-03-18 Sold (MLS) $8,500 GAMLS
• 2025-03-18 Sold (MLS) $8,500 FMLS
• 2025-03-17 Pending — FMLS
• 2025-02-14 Pending — GAMLS
• 2025-02-14 Contingent — FMLS
• 2024-06-27 Price Changed $9,500 GAMLS
• 2024-06-27 Price Changed $9,500 FMLS
• 2024-01-11 Listed $12,000 GAMLS
• 2024-01-11 Listed $12,000 FMLS

Property tax history

-1.6%/yr

Latest (2025): $20 · -5.7% YoY. Source: county tax records.