3544 Windermere Dr · Augusta-Richmond County consolidated government (balance), GA 30815

$114,900

3 bd · 2.0 ba · 1,113 sqft · SingleFamily public records · 69 Days on market

Built 1984 9,147 sqft lot $103/sqft · 29% below area Est $161k · 29% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the perfect blend of comfort and potential in this charming 3-bedroom, 2-bathroom ranch nestled in the heart of Hephzibah's established Windermere community. Boasting an efficient 1,113 sq. ft. layout, this home welcomes you with a spacious, vaulted great room centered around a classic wood-burning fireplace-perfect for cozy Georgia evenings. The heart of the home flows seamlessly into an eat-in kitchen, featuring ample cabinet space and a functional design that makes daily living a breeze. The primary suite offers a private retreat with its own dedicated bath, while two additional guest rooms provide versatility for a home office, gym, or nursery. Situated on a level 0.21-acre lot, the property features a sizable, fenced backyard and a rear patio ideal for weekend grilling or outdoor relaxation. Designed for low-maintenance living, the all-brick front and durable siding exterior are complemented by a solid slab foundation and central heating and air. Location is everything! You are just minutes away from the main gates of Fort Eisenhower (formerly Fort Gordon), making this a prime choice for military personnel or those seeking a short commute. With easy access to US-1 (Deans Bridge Rd), shopping, and local dining, this home offers suburban tranquility without sacrificing city convenience. Whether you are looking for a turnkey rental to add to your portfolio or an affordable path to homeownership, 3544 Windermere Dr is a must-see. Schedule your private tour today!

Key facts

• 9,147 sq ft lot
• Built 1984
• Listed 69 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $433 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $115k).
• Recommended offer: $108k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.8% vs local median 5.3% in Augusta-Richmond County consolidated government (balance) — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Richmond County (urban): math 12% / reading 20% proficiency, ranked #154 of 174 in GA (top 88%) — 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: Rents soft (-0.7%/yr); 359 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 561 units permitted in Richmond County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $794 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Richmond County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($108k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 66% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,006 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 6% 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. 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.
5. 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.
6. 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: 1.36% ✓
• Cap rate: 10.81%
• Cash-on-cash: 16.14%
• DSCR: 1.72
• GRM: 6.1

CMA / ARV

• ARV (median comp): $160,937
• List price: $114,900
• Delta: -28.61%
• 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
3516 Windermere Dr	0.22mi	3/1.5	1,093 (-2%)	2mo	$150,000	$137	83
3524 Edgeworth Dr	0.21mi	3/2.0	1,100 (-1%)	6mo	$165,000	$150	83
3004 Green Forest Dr	0.65mi	3/1.5	1,112 (-0%)	1mo	$112,000	$101	67
3026 Mistletoe Ave	0.47mi	3/2.0	1,066 (-4%)	7mo	$160,000	$150	65
4105 Darsey Ct	0.31mi	3/2.0	1,250 (+12%)	1mo	$210,000	$168	64
3019 Mistletoe Ave	0.50mi	3/2.0	1,026 (-8%)	1mo	$180,000	$175	63
4004 Rambling Way	0.41mi	3/2.0	1,221 (+10%)	6mo	$212,500	$174	60
3623 Pebble Creek Dr	0.54mi	3/2.0	1,221 (+10%)	2mo	$217,000	$178	57
2914 Butler Manor Dr	0.75mi	3/1.5	1,100 (-1%)	6mo	$100,000	$91	56
3018 Shady Ln	0.62mi	3/2.0	1,234 (+11%)	1mo	$169,000	$137	52
3615 Pebble Creek Dr	0.50mi	3/2.0	1,221 (+10%)	12mo	$215,000	$176	51
3326 Saddlebrook Dr	0.58mi	3/2.0	1,257 (+13%)	7mo	$147,000	$117	46

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 3.7%
• Equity multiple: 1.14×
• Total profit: $4,389
• Equity at exit: $17,132

10-year hold

• IRR: 10.1%
• Equity multiple: 1.67×
• Total profit: $21,702
• Equity at exit: $9,934

Cash invested: $32,172 (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 30815

• Home prices YoY: -24.2%
• Rents YoY: -0.7%
• Active inventory: 359
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,566 high
• Mortgage (P&I): −$603
• Tax from tax record: −$154 /mo · $1,850/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $433

Break-even live

Break-even rent $1,018

Max offer price $114,900

Occupancy floor 67%

Sensitivity live

Price	-10% $498	-5% $465	+0% $433	+5% $400	+10% $368
Rent	-10% $309	-5% $371	+0% $433	+5% $495	+10% $557
Rate	-1.0pp $491	-0.5pp $462	base $433	+0.5pp $403	+1.0pp $373

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3543 Windermere Dr Hephzibah, GA	4.0	2.0	1394	$1,550	$1.11	44d	1	0.03mi
3543 Windermere Dr Hephzibah, GA	4.0	2.0	1394	$1,550	$1.11	24d	1	0.03mi
3524 Edgeworth Dr Hephzibah, GA	3.0	2.0	1200	$1,295	$1.08	24d	1	0.19mi
2834 Brentway Dr Hephzibah, GA	3.0	2.0	1475	$1,600	$1.08	44d	1	0.26mi
1010 Horizon Ridge Dr Hephzibah, GA	1.0–3.0	1.0–2.0	936	$1,196	$1.28	14d	1	0.28mi
2817 Ridgecrest Dr Hephzibah, GA	4.0	2.0	1257	$1,495	$1.19	44d	1	0.44mi
2813 Leawood Ct Hephzibah, GA	3.0	2.0	1377	$1,250	$0.91	44d	1	1.02mi
2803 Ptarmigan Rd Hephzibah, GA	3.0	2.0	1377	$1,600	$1.16	24d	1	1.04mi
2803 Ptarmigan Rd Hephzibah, GA	3.0	2.0	1400	$1,600	$1.14	44d	1	1.04mi
2727 Barclay St Hephzibah, GA	4.0	2.0	1430	$1,234	$0.86	44d	1	1.07mi
3032 Tobacco Rd Hephzibah, GA	2.0	1.0	960	$1,315	$1.37	24d	1	1.18mi
2704 Cranbrook Dr Hephzibah, GA	3.0	2.0	1377	$1,650	$1.20	44d	1	1.21mi
2631 Drayton Dr Augusta, GA	3.0	2.0	1404	$1,430	$1.02	14d	1	1.28mi
3613 Alene Cir Augusta, GA	3.0	2.0	1260	$1,325	$1.05	14d	1	1.28mi
3001 Alene Ct Augusta, GA	4.0	2.0	1288	$1,631	$1.27	24d	1	1.32mi
2609 Dublin Dr Augusta, GA	3.0	2.0	1400	$1,395	$1.00	14d	1	1.37mi
2604 Edmonton Ct Hephzibah, GA	3.0	2.0	1343	$1,190	$0.89	14d	1	1.45mi
3532 Edmonton St Hephzibah, GA	3.0	2.0	1377	$1,425	$1.03	24d	1	1.50mi
3532 Edmonton St Hephzibah, GA	3.0	2.0	1377	$1,425	$1.03	44d	1	1.50mi

Listing history 19 events

1. 2026-06-18
   days on market $114,900 Active 69 DOM
2. 2026-06-17
   days on market $114,900 Active 68 DOM
3. 2026-06-16
   days on market $114,900 Active 67 DOM
4. 2026-06-15
   statusdays on market $114,900 Active 66 DOM
5. 2026-06-14
   pricestatusdays on market $114,900 Price Change 64 DOM
6. 2026-06-10
   days on market $119,900 Active 61 DOM
7. 2026-06-09
   statusdays on market $119,900 Active 60 DOM
8. 2026-06-08
   days on market $119,900 Price Change 59 DOM
9. 2026-06-07
   pricestatusdays on market $119,900 Price Change 58 DOM
10. 2026-06-03
    days on market $129,900 Active 54 DOM
11. 2026-06-02
    days on market $129,900 Active 53 DOM
12. 2026-06-01
    days on market $129,900 Active 52 DOM
13. 2026-05-31
    days on market $129,900 Active 51 DOM
14. 2026-05-30
    days on market $129,900 Active 50 DOM
15. 2026-05-14
    price $129,900 1503-char remark

    Show marketing remark (1503 chars)

    Discover the perfect blend of comfort and potential in this charming 3-bedroom, 2-bathroom ranch nestled in the heart of Hephzibah's established Windermere community. Boasting an efficient 1,113 sq. ft. layout, this home welcomes you with a spacious, vaulted great room centered around a classic wood-burning fireplace-perfect for cozy Georgia evenings. The heart of the home flows seamlessly into an eat-in kitchen, featuring ample cabinet space and a functional design that makes daily living a breeze. The primary suite offers a private retreat with its own dedicated bath, while two additional guest rooms provide versatility for a home office, gym, or nursery. Situated on a level 0.21-acre lot, the property features a sizable, fenced backyard and a rear patio ideal for weekend grilling or outdoor relaxation. Designed for low-maintenance living, the all-brick front and durable siding exterior are complemented by a solid slab foundation and central heating and air. Location is everything! You are just minutes away from the main gates of Fort Eisenhower (formerly Fort Gordon), making this a prime choice for military personnel or those seeking a short commute. With easy access to US-1 (Deans Bridge Rd), shopping, and local dining, this home offers suburban tranquility without sacrificing city convenience. Whether you are looking for a turnkey rental to add to your portfolio or an affordable path to homeownership, 3544 Windermere Dr is a must-see. Schedule your private tour today!

16. 2026-04-24
    price $139,900 1503-char remark

    Show marketing remark (1503 chars)

    Discover the perfect blend of comfort and potential in this charming 3-bedroom, 2-bathroom ranch nestled in the heart of Hephzibah's established Windermere community. Boasting an efficient 1,113 sq. ft. layout, this home welcomes you with a spacious, vaulted great room centered around a classic wood-burning fireplace-perfect for cozy Georgia evenings. The heart of the home flows seamlessly into an eat-in kitchen, featuring ample cabinet space and a functional design that makes daily living a breeze. The primary suite offers a private retreat with its own dedicated bath, while two additional guest rooms provide versatility for a home office, gym, or nursery. Situated on a level 0.21-acre lot, the property features a sizable, fenced backyard and a rear patio ideal for weekend grilling or outdoor relaxation. Designed for low-maintenance living, the all-brick front and durable siding exterior are complemented by a solid slab foundation and central heating and air. Location is everything! You are just minutes away from the main gates of Fort Eisenhower (formerly Fort Gordon), making this a prime choice for military personnel or those seeking a short commute. With easy access to US-1 (Deans Bridge Rd), shopping, and local dining, this home offers suburban tranquility without sacrificing city convenience. Whether you are looking for a turnkey rental to add to your portfolio or an affordable path to homeownership, 3544 Windermere Dr is a must-see. Schedule your private tour today!

17. 2026-04-10
    listed $144,900 New 1503-char remark

    Show marketing remark (1503 chars)

    Discover the perfect blend of comfort and potential in this charming 3-bedroom, 2-bathroom ranch nestled in the heart of Hephzibah's established Windermere community. Boasting an efficient 1,113 sq. ft. layout, this home welcomes you with a spacious, vaulted great room centered around a classic wood-burning fireplace-perfect for cozy Georgia evenings. The heart of the home flows seamlessly into an eat-in kitchen, featuring ample cabinet space and a functional design that makes daily living a breeze. The primary suite offers a private retreat with its own dedicated bath, while two additional guest rooms provide versatility for a home office, gym, or nursery. Situated on a level 0.21-acre lot, the property features a sizable, fenced backyard and a rear patio ideal for weekend grilling or outdoor relaxation. Designed for low-maintenance living, the all-brick front and durable siding exterior are complemented by a solid slab foundation and central heating and air. Location is everything! You are just minutes away from the main gates of Fort Eisenhower (formerly Fort Gordon), making this a prime choice for military personnel or those seeking a short commute. With easy access to US-1 (Deans Bridge Rd), shopping, and local dining, this home offers suburban tranquility without sacrificing city convenience. Whether you are looking for a turnkey rental to add to your portfolio or an affordable path to homeownership, 3544 Windermere Dr is a must-see. Schedule your private tour today!

18. 2018-12-28
    soldstatus $443,400
19. 2003-12-03
    soldstatus $43,000

ⓘ 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: $1,850 · $154/mo
• Projected year-2 tax: $1,850 · $154/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 7/10 Severe 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 66% 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: $18,796
• − Mortgage interest: −$6,436
• − Property taxes: −$1,850
• − Insurance: −$574
• − Repairs & maintenance: −$1,504
• − Management: −$1,504
• − Depreciation: −$3,343
• Taxable income: $3,586
• Est. tax owed @ 24.0%: −$861
• After-tax cash flow: $4,333/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: Richmond County
• NCES district ID: 1304380
• Math proficiency: 12% ▼ -9.00%
• Reading proficiency: 20% ▼ -6.00%
• Median HH income: $38,069
• Composite: 13.43/100
• National rank: #9524
• State rank: #154 of 174 in GA

Livability — Augusta-Richmond County consolidated government (balance)

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Augusta-Richmond County consolidated government (balance), GA
• County: Richmond County · 190,917 people
• City population: 154,035
• Metro: Augusta-Richmond County, GA-SC
• Population (ZIP): 44,109
• Household income: $70,202
• Rent vs Own: 28.4% rent · 71.6% own
• Severe rent burden: 867.0

Population outlook (Richmond County) Hauer SSP2

• Today (2025): 200,753 people
• By 2030: 200,232 · -0.3%
• By 2040: 196,813 · -2.0%
• By 2050: 190,347 · -5.2%
• By 2075: 172,496 · -14.1%
• By 2100: 146,284 · -27.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (62%)
• Race & ethnicity: Black 62% White 27% Two or more races 5% Hispanic / Latino 4%
• Foreign-born: 4% · Canada, South Korea
• Languages at home: 93% English-only · Spanish 3% Other Indo-European 1% Korean 1%

Political lean MEDSL · Richmond

• 2024 margin: Solid D (+36.1) · D 67.8% · R 31.7%
• 2008→2024 swing: +4.3pp toward D · 2008: 31.8pp · 2024: 36.1pp
• All cycles: 2024: D+36.1 2020: D+37.2 2016: D+32.4 2012: D+33.8 2008: D+31.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -51.74%
• Current HPI: 162.4074
• Rent YoY: ▼ -0.71%
• Metro: Augusta-Richmond County, GA-SC
• 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

+202.1% since first listed

5 events — show timeline

• 2026-05-14 Price Changed $129,900 GAMLS
• 2026-04-24 Price Changed $139,900 GAMLS
• 2026-04-10 Listed $144,900 GAMLS
• 2018-12-28 Sold (Public Records) $443,400 Public Records
• 2003-12-03 Sold (Public Records) $43,000 Public Records

Property tax history

+3.5%/yr

Latest (2025): $1,850 · +0.6% YoY. Source: county tax records.