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

$333,000

4 bd · 3.0 ba · 2,188 sqft · SingleFamily · 170 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 +4.9/30.0
• Condition / age +4.0/5.0
• Livability +3.6/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• 1% rule +0.7/10.0
• DSCR +0.0/10.0
• 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 169 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 — $486,496.

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 $-1k ($-14k/yr) — negative.
• To cash-flow at today's rent, offer at most $317k (4.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $278k (16.6% below list).
• Recommended offer: $278k (16.6% below list) — sets the bar for 1% rule.

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: 849 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 129 units permitted in Putnam County in 2024 (50 in 5+ unit buildings).
• At $2,777/mo this rent would consume 51% 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 170 days — a 12% lower offer ($293k) is reasonable based on typical stale-listing flexibility.

Recommended offer $277,694 (16.6% 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 170 days. Have you received any prior offers? Is the seller open to a 17% 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: 0.57% ✗
• Cap rate: 3.41%
• Cash-on-cash: -10.29%
• DSCR: 0.54
• GRM: 14.6

CMA / ARV

• ARV (median comp): $486,496
• List price: $333,000
• Delta: -31.55%
• Verdict: UNDERPRICED
• Comps: 18 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%)	10mo	$1,005,000	$412	51
119 Hoot Owl Ln	0.96mi	3/3.0 (-1)	2,040 (-7%)	3mo	$404,000	$198	46
121 Hoot Owl Ln	0.91mi	3/2.5 (-1)	2,320 (+6%)	4mo	$499,000	$215	45
153 Hoot Owl Ln	0.84mi	4/2.5	2,375 (+8%)	5mo	$500,000	$211	45
117 Thunder Rd	0.82mi	4/3.0	1,764 (-19%)	7mo	$375,000	$213	34
151 Lakemore Dr	0.53mi	4/2.5	2,608 (+19%)	19mo	$950,000	$364	32
152 Parkside Ln	1.06mi	5/4.0 (+1)	2,331 (+6%)	16mo	$950,000	$408	32
112 Hoot Owl Ln	0.93mi	4/3.5	2,500 (+14%)	10mo	$1,150,000	$460	31
124 Hoot Owl Ln	0.85mi	4/3.5	2,500 (+14%)	13mo	$1,000,000	$400	29
133 Thunder Rd	0.93mi	3/2.0 (-1)	1,781 (-19%)	18mo	$439,000	$246	16
147 Hoot Owl Ln	0.80mi	3/2.0 (-1)	2,593 (+18%)	19mo	$364,900	$141	15
147 Lakeview Dr	0.97mi	3/2.0 (-1)	1,752 (-20%)	20mo	$835,000	$477	15

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: -34.9%
• Equity multiple: -0.12×
• Total profit: $-153,200
• Equity at exit: $72,538

10-year hold

• IRR: -45.5%
• Equity multiple: -0.68×
• Total profit: $-229,047
• Equity at exit: $42,063

Cash invested: $136,219 (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: 13 active · 4 under contract
• Months of supply: 19.5 mo (5%/mo absorbed)
• Median asking: $350,900 ($193/sqft)
• Median days on market: 155 d
• This list price: 15% of active listings are priced below it
• ARV vs active asking: +15.4% 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: 849
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,777 medium
• Mortgage (P&I): −$2,551
• Tax est. 1.5%: −$608 /mo · $7,297/yr
• Insurance: −$203
• HOA: −$0
• Vacancy / Maint / Mgmt: −$583
• Net cashflow: $-1,168

Break-even live

Break-even rent $4,256

Max offer price $317,444

Occupancy floor —

Sensitivity live

Price	-10% $-832	-5% $-1,000	+0% $-1,168	+5% $-1,336	+10% $-1,504
Rent	-10% $-1,388	-5% $-1,278	+0% $-1,168	+5% $-1,059	+10% $-949
Rate	-1.0pp $-923	-0.5pp $-1,045	base $-1,168	+0.5pp $-1,294	+1.0pp $-1,423

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: $121,624
• Closing costs: $14,595
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 4 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
161 Hoot Owl Ln Eatonton, GA	4.0	3.0	2016	$6,500	$3.22	2d	1	0.84mi
161 Hoot Owl Ln Eatonton, GA	4.0	3.0	2016	$6,500	$3.22	10d	1	0.84mi

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. 2026-11-08
   days on market $333,000 Active 170 DOM
2. 2026-11-07
   days on market $333,000 Active 169 DOM
3. 2026-11-06
   days on market $333,000 Active 168 DOM
4. 2026-11-05
   days on market $333,000 Active 167 DOM
5. 2026-11-04
   days on market $333,000 Active 166 DOM
6. 2026-11-02
   days on market $333,000 Active 164 DOM
7. 2026-11-01
   days on market $333,000 Active 163 DOM
8. 2026-10-31
   days on market $333,000 Active 162 DOM
9. 2026-10-30
   days on market $333,000 Active 161 DOM
10. 2026-10-29
    days on market $333,000 Active 160 DOM
11. 2026-10-28
    days on market $333,000 Active 159 DOM
12. 2026-10-27
    days on market $333,000 Active 158 DOM
13. 2026-10-26
    days on market $333,000 Active 157 DOM
14. 2026-10-25
    days on market $333,000 Active 156 DOM
15. 2026-10-24
    days on market $333,000 Active 155 DOM
16. 2026-10-23
    days on market $333,000 Active 154 DOM
17. 2026-10-22
    days on market $333,000 Active 153 DOM
18. 2026-10-22
    days on market $333,000 Active 152 DOM
19. 2026-10-20
    days on market $333,000 Active 151 DOM
20. 2026-10-19
    days on market $333,000 Active 150 DOM
21. 2026-10-18
    days on market $333,000 Active 149 DOM
22. 2026-10-17
    days on market $333,000 Active 148 DOM
23. 2026-10-16
    days on market $333,000 Active 147 DOM
24. 2026-10-15
    days on market $333,000 Active 146 DOM
25. 2026-10-14
    days on market $333,000 Active 145 DOM
26. 2026-10-13
    days on market $333,000 Active 144 DOM
27. 2026-10-12
    days on market $333,000 Active 143 DOM
28. 2026-10-11
    days on market $333,000 Active 142 DOM
29. 2026-10-10
    days on market $333,000 Active 141 DOM
30. 2026-10-09
    days on market $333,000 Active 140 DOM
31. 2026-10-08
    days on market $333,000 Active 139 DOM
32. 2026-10-07
    days on market $333,000 Active 138 DOM
33. 2026-10-06
    days on market $333,000 Active 137 DOM
34. 2026-10-05
    days on market $333,000 Active 136 DOM
35. 2026-10-04
    days on market $333,000 Active 135 DOM
36. 2026-10-04
    days on market $333,000 Active 134 DOM
37. 2026-10-02
    days on market $333,000 Active 133 DOM
38. 2026-10-01
    days on market $333,000 Active 132 DOM
39. 2026-09-30
    days on market $333,000 Active 131 DOM
40. 2026-09-29
    days on market $333,000 Active 130 DOM
41. 2026-09-28
    days on market $333,000 Active 129 DOM
42. 2026-09-27
    days on market $333,000 Active 128 DOM
43. 2026-09-26
    days on market $333,000 Active 127 DOM
44. 2026-09-25
    days on market $333,000 Active 126 DOM
45. 2026-09-24
    days on market $333,000 Active 125 DOM
46. 2026-09-23
    days on market $333,000 Active 124 DOM
47. 2026-09-21
    days on market $333,000 Active 122 DOM
48. 2026-09-20
    days on market $333,000 Active 121 DOM
49. 2026-09-19
    days on market $333,000 Active 120 DOM
50. 2026-09-18
    days on market $333,000 Active 119 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: $33,323
• − Mortgage interest: −$27,251
• − Property taxes: −$7,297
• − Insurance: −$2,432
• − Repairs & maintenance: −$2,666
• − Management: −$2,666
• − Depreciation: −$14,153
• Taxable loss: −$23,142
• Est. tax savings @ 24.0%: +$5,554
• After-tax cash flow: $-8,465/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%
• 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)