(GA)The Everett | Front Entry Plan · Eatonton, GA 31024

$333,000

4 bd · 3.0 ba · 2,188 sqft · SingleFamily · 124 Days on market

Good condition

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +7.1/30.0
• Condition / age +4.0/5.0
• Livability +3.6/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Perfect ranch home with 4 bedrooms and 3 full baths. No need for stairs with this split bedroom design featuring an Owner's suite with tray ceiling, double vanity, separate tub and shower and walk-in closet. Private Guest room with full bath plus 2 additional large bedrooms are also on the main. The bright family room is the center of this home and has an option for a fireplace. The kitchen and breakfast have a view to the family room and feature a large pantry, serving bar and lots of counter space.

Key facts

• Listed 123 days

🏗️ New construction. The $333,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $490,206.

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $333k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-696 ($-8k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $333k).
• Recommended offer: $293k (12.0% below list) — sets the bar for market timing.
• Cap rate 4.6% vs local median 3.1% in Eatonton — 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 71/100 on livability (#76 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment F.
• Putnam County (rural): math 33% / reading 30% proficiency, ranked #86 of 174 in GA (top 49%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Putnam County Primary School (756 students, 81% FRL); Putnam County Middle School (math 31% / reading 33%, grade F, #229 of 470 statewide, top 49%, 681 students, 81% FRL); Putnam County High School (math 8% / reading 32%, grade F, #238 of 424 statewide, top 57%, 919 students, 81% FRL).
• Market conditions: 729 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 129 units permitted in Putnam County in 2024 (50 in 5+ unit buildings).
• At $3,407/mo this rent would consume 62% of the median local household income ($66k/yr) — 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 $3k of loan paydown is wiped out by about $15k of value loss. Plan a longer hold.
• Putnam County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 124 days — a 12% lower offer ($293k) is reasonable based on typical stale-listing flexibility.

Recommended offer $293,040 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.70% ✗
• Cap rate: 4.59%
• Cash-on-cash: -6.09%
• DSCR: 0.73
• GRM: 12.0

CMA / ARV

• ARV (median comp): $490,206
• List price: $333,000
• Delta: -32.07%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
118 Lake Dr	0.42mi	4/3.5	2,437 (+11%)	9mo	$1,005,000	$412	52
119 Hoot Owl Ln	0.96mi	3/3.0 (-1)	2,040 (-7%)	1mo	$404,000	$198	48
121 Hoot Owl Ln	0.91mi	3/2.5 (-1)	2,320 (+6%)	2mo	$499,000	$215	46
153 Hoot Owl Ln	0.84mi	4/2.5	2,375 (+8%)	3mo	$500,000	$211	46
117 Thunder Rd	0.82mi	4/3.0	1,764 (-19%)	6mo	$375,000	$213	35
151 Lakemore Dr	0.53mi	4/2.5	2,608 (+19%)	18mo	$950,000	$364	34
152 Parkside Ln	1.06mi	5/4.0 (+1)	2,331 (+6%)	14mo	$950,000	$408	33
112 Hoot Owl Ln	0.93mi	4/3.5	2,500 (+14%)	8mo	$1,150,000	$460	32
124 Hoot Owl Ln	0.85mi	4/3.5	2,500 (+14%)	11mo	$1,000,000	$400	30
133 Thunder Rd	0.93mi	3/2.0 (-1)	1,781 (-19%)	17mo	$439,000	$246	17
147 Hoot Owl Ln	0.80mi	3/2.0 (-1)	2,593 (+18%)	18mo	$364,900	$141	16
147 Lakeview Dr	0.97mi	3/2.0 (-1)	1,752 (-20%)	18mo	$835,000	$477	16

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: -26.8%
• Equity multiple: 0.10×
• Total profit: $-123,723
• Equity at exit: $73,091

10-year hold

• IRR: -24.2%
• Equity multiple: -0.20×
• Total profit: $-164,622
• Equity at exit: $42,384

Cash invested: $137,258 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 10 active · 4 under contract
• Months of supply: 12.0 mo (8%/mo absorbed)
• Median asking: $348,950 ($157/sqft)
• Median days on market: 124 d
• This list price: 20% of active listings are priced below it
• ARV vs active asking: +42.9% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 31024

• Active inventory: 729
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $3,407 medium
• Mortgage (P&I): −$2,571
• Tax est. 1.5%: −$613 /mo · $7,353/yr
• Insurance: −$204
• HOA: −$0
• Vacancy / Maint / Mgmt: −$715
• Net cashflow: $-696

Break-even live

Break-even rent $4,288

Max offer price $389,469

Occupancy floor —

Sensitivity live

Price	-10% $-357	-5% $-527	+0% $-696	+5% $-866	+10% $-1,035
Rent	-10% $-965	-5% $-831	+0% $-696	+5% $-562	+10% $-427
Rate	-1.0pp $-449	-0.5pp $-571	base $-696	+0.5pp $-823	+1.0pp $-952

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: $122,552
• Closing costs: $14,706
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
501 Port Laz Ln Unit 1 Eatonton, GA	3.0	3.5	2024	$2,900	$1.43	0d	1	0.64mi
501 Port Laz Ln Eatonton, GA	3.0	4.0	2024	$2,900	$1.43	0d	1	0.64mi

Property features AI

Finance

• Other: Address: Eatonton, GA 31024
• Financial info: List price $338,000

Exterior

• Home design: Single-family plan with front entry
• Exterior features: Living area approximately 2,188 square feet

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 bathrooms
• Interior features: Plan: The Everett (Front Entry)

Listing history 50 events

1. 2026-09-23
   days on market $333,000 Active 124 DOM
2. 2026-09-21
   days on market $333,000 Active 122 DOM
3. 2026-09-20
   days on market $333,000 Active 121 DOM
4. 2026-09-19
   days on market $333,000 Active 120 DOM
5. 2026-09-18
   days on market $333,000 Active 119 DOM
6. 2026-09-17
   days on market $333,000 Active 118 DOM
7. 2026-09-16
   days on market $333,000 Active 117 DOM
8. 2026-09-15
   days on market $333,000 Active 116 DOM
9. 2026-09-14
   days on market $333,000 Active 115 DOM
10. 2026-09-13
    days on market $333,000 Active 114 DOM
11. 2026-09-12
    days on market $333,000 Active 113 DOM
12. 2026-09-11
    days on market $333,000 Active 112 DOM
13. 2026-09-05
    days on market $333,000 Active 106 DOM
14. 2026-09-04
    days on market $333,000 Active 105 DOM
15. 2026-09-03
    days on market $333,000 Active 104 DOM
16. 2026-09-02
    days on market $333,000 Active 103 DOM
17. 2026-08-30
    days on market $333,000 Active 100 DOM
18. 2026-08-29
    days on market $333,000 Active 99 DOM
19. 2026-08-28
    days on market $333,000 Active 98 DOM
20. 2026-08-27
    days on market $333,000 Active 97 DOM
21. 2026-08-26
    days on market $333,000 Active 96 DOM
22. 2026-08-25
    days on market $333,000 Active 95 DOM
23. 2026-08-24
    days on market $333,000 Active 94 DOM
24. 2026-08-23
    days on market $333,000 Active 93 DOM
25. 2026-08-22
    days on market $333,000 Active 92 DOM
26. 2026-08-21
    days on market $333,000 Active 91 DOM
27. 2026-08-20
    days on market $333,000 Active 90 DOM
28. 2026-08-19
    days on market $333,000 Active 89 DOM
29. 2026-08-18
    days on market $333,000 Active 88 DOM
30. 2026-08-17
    days on market $333,000 Active 87 DOM
31. 2026-08-16
    days on market $333,000 Active 86 DOM
32. 2026-08-15
    days on market $333,000 Active 85 DOM
33. 2026-08-14
    days on market $333,000 Active 84 DOM
34. 2026-08-13
    days on market $333,000 Active 83 DOM
35. 2026-08-12
    days on market $333,000 Active 82 DOM
36. 2026-08-11
    days on market $333,000 Active 81 DOM
37. 2026-08-10
    days on market $333,000 Active 80 DOM
38. 2026-08-09
    days on market $333,000 Active 79 DOM
39. 2026-08-08
    days on market $333,000 Active 78 DOM
40. 2026-08-07
    days on market $333,000 Active 77 DOM
41. 2026-08-06
    days on market $333,000 Active 76 DOM
42. 2026-08-05
    days on market $333,000 Active 75 DOM
43. 2026-08-04
    days on market $333,000 Active 74 DOM
44. 2026-08-03
    days on market $333,000 Active 73 DOM
45. 2026-07-31
    days on market $333,000 Active 70 DOM
46. 2026-07-30
    days on market $333,000 Active 69 DOM
47. 2026-07-29
    days on market $333,000 Active 68 DOM
48. 2026-07-27
    days on market $333,000 Active 66 DOM
49. 2026-07-25
    days on market $333,000 Active 64 DOM
50. 2026-07-24
    days on market $333,000 Active 63 DOM

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

Taxation est. · year 1

• Rental income: $40,884
• − Mortgage interest: −$27,459
• − Property taxes: −$7,353
• − Insurance: −$2,451
• − Repairs & maintenance: −$3,271
• − Management: −$3,271
• − Depreciation: −$14,261
• Taxable loss: −$17,181
• Est. tax savings @ 24.0%: +$4,124
• After-tax cash flow: $-4,231/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.

Condition & rehab AI · 11 photos

Good 80/100 Cosmetic rehab Est. rehab $10,940–$32,820 screening

This home is in good condition with a good exterior and well-maintained landscaping. A fresh coat of paint and new gutters would significantly enhance its curb appeal and value.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Replace gutters — Improves drainage and prevents water damage ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 29/100

Zoned Schools

Elementary Putnam County Elementary School F GA #523/1,228 Nat'l #22,904/41,679 Middle Putnam County Middle School F GA #229/470 Nat'l #8,317/14,009 High Putnam County High School F GA #238/424 Nat'l #14,291/17,239

Schools (NCES district)

• District: Putnam County
• NCES district ID: 1304260
• Math proficiency: 33% ▼ -5.00%
• Reading proficiency: 30% ▼ -1.00%
• Median HH income: $44,038
• Composite: 26.9/100
• National rank: #7088
• State rank: #86 of 174 in GA

B Composite livability gradescore 71/100

Livability — Eatonton

• Score: 71/100
• State rank: #76
• US rank: #6665

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Putnam County · 20,747 people
• City population: 21,601
• Metro: nan
• Population (ZIP): 21,601
• Household income: $65,971
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 3% of renters

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Population outlook (Putnam County) Hauer SSP2

• Today (2025): 20,747 people
• By 2030: 20,163 · -2.8%
• By 2040: 18,680 · -10.0%
• By 2050: 17,117 · -17.5%
• By 2075: 13,269 · -36.0%
• By 2100: 9,234 · -55.5%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 26% Hispanic / Latino 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 6% · Canada
• Languages at home: 94% English-only · Spanish 5%

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Political lean MEDSL · Putnam

• 2024 margin: Solid R (+42.2) · D 28.7% · R 71.0%
• 2008→2024 swing: -10.9pp toward R · 2008: -31.4pp · 2024: -42.2pp
• All cycles: 2024: R+42.2 2020: R+40.9 2016: R+40.0 2012: R+35.8 2008: R+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -199.84%
• Current HPI: 269.8265
• Rent YoY: —
• Metro: nan
• State GDP YoY: ▲ 2.66%
• F500 in state: 28

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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

Property features AI

Finance

• Other: Address: Eatonton, GA 31024
• Financial info: List price $338,000

Exterior

• Home design: Single-family plan with front entry
• Exterior features: Living area approximately 2,188 square feet

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 bathrooms
• Interior features: Plan: The Everett (Front Entry)