3446 Tamplin Ter · Macon-Bibb County, GA 31206

$62,900

3 bd · 1.0 ba · 851 sqft · SingleFamily public records · 285 Days on market

Built 1956 8,276 sqft lot $74/sqft · 13% above area Est $56k · 13% over

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Why this score? — see what drove the C+ 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
• Rent growth +3.8/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.6/15.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

Key facts

• Fully electric
• Close to schools
• Quiet neighborhood

Tags

• QUIET NEIGHBORHOOD
• CLOSE TO SCHOOLS
• CLOSE TO INTERSTATE
• FULLY ELECTRIC

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $63k.

Deal economics

• At list price, monthly cash flow is $476 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $63k).
• Recommended offer: $55k (12.0% below list) — sets the bar for market timing.
• Cap rate 15.4% vs local median 5.4% in Macon-Bibb County — 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 C — affects rentability + tenant quality, not the cash-flow math above.
• Bibb County (urban): math 11% / reading 18% proficiency, ranked #161 of 174 in GA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.0%/yr); 207 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 61% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 154 units permitted in Bibb County in 2024 (0 in 5+ unit buildings).
• This rent runs 44% of the median local income ($30k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $435 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Bibb County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 285 days — a 12% lower offer ($55k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $32k (34%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $45k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• 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 $55,352 (12.0% below list)

Questions for the listing agent

1. It's been on market 285 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
6. 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.
7. 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: 1.76% ✓
• Cap rate: 15.38%
• Cash-on-cash: 32.46%
• DSCR: 2.44
• GRM: 4.7

CMA / ARV

• ARV (median comp): $55,642
• List price: $62,900
• Delta: 13.04%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3778 Spencer Cir	0.24mi	3/1.0	864 (+2%)	5mo	$45,000	$52	82
3816 Andrews Dr	0.28mi	3/1.0	864 (+2%)	12mo	$55,000	$64	75
3759 Travis Blvd	0.30mi	2/1.0 (-1)	852 (+0%)	8mo	$75,000	$88	74
3715 Spencer Cir	0.23mi	2/1.0 (-1)	864 (+2%)	14mo	$67,000	$78	70
3874 St. Charles Pl	0.48mi	2/1.0 (-1)	864 (+2%)	5mo	$20,000	$23	66
3158 Brownell Ave	0.49mi	2/1.0 (-1)	832 (-2%)	6mo	$39,000	$47	63
3366 Pio Nono Cir	0.39mi	3/1.0	962 (+13%)	8mo	$106,000	$110	54
3366 Pio Nono Cir	0.39mi	3/1.0	962 (+13%)	8mo	$106,000	$110	54
3020 Margaret Dr	0.72mi	3/1.0	816 (-4%)	9mo	$25,000	$31	52
3910 Saint Charles Pl	0.54mi	2/1.0 (-1)	928 (+9%)	11mo	$17,500	$19	45
1162 Ruben Drive Dr Unit m	0.66mi	2/1.0 (-1)	960 (+13%)	8mo	$19,500	$20	36
1162 Ruben Dr	0.66mi	2/1.0 (-1)	960 (+13%)	8mo	$19,500	$20	36

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 · 5.03% rent growth · sell at horizon

5-year hold

• IRR: 29.7%
• Equity multiple: 2.28×
• Total profit: $22,456
• Equity at exit: $9,379

10-year hold

• IRR: 38.1%
• Equity multiple: 4.89×
• Total profit: $68,497
• Equity at exit: $5,438

Cash invested: $17,612 (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 31206

• Rents YoY: 5.0%
• Active inventory: 207
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,110 high
• Mortgage (P&I): −$330
• Tax from tax record: −$44 /mo · $531/yr
• Insurance: −$26
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $476

Break-even live

Break-even rent $507

Max offer price $62,900

Occupancy floor 52%

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: $15,725
• Closing costs: $1,887
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3778 Spencer Cir Macon, GA	3.0	1.0	864	$1,300	$1.50	21d	1	0.22mi
3837 Spencer Cir Macon, GA	3.0	1.0	1080	$1,300	$1.20	44d	1	0.24mi
1164 Newberg Ave Macon, GA	3.0	1.0	1100	$1,195	$1.09	44d	1	0.41mi
3823 Saint Charles Pl Macon, GA	3.0	1.0	1020	$1,150	$1.13	44d	1	0.42mi
3080 Rice Mill Rd Macon, GA	3.0	1.0	1100	$950	$0.86	44d	1	0.42mi
3080 Rice Mill Rd Unit C-1 Macon, GA	3.0	1.5	1100	$925	$0.84	21d	1	0.42mi
3238 Somerset Dr Macon, GA	3.0	1.0	1100	$975	$0.89	13d	1	0.46mi
3149 Somerset Dr Macon, GA	2.0	1.0	897	$745	$0.83	44d	1	0.50mi
4028 Saint Charles Pl Macon, GA	3.0	1.0	900	$800	$0.89	21d	1	0.63mi
1089 Brisbane St Macon, GA	3.0	1.0	816	$1,075	$1.32	13d	1	0.69mi
1148 N Beddingfield Dr Macon, GA	3.0	1.0	1076	$825	$0.77	44d	1	0.71mi
1156 Triple Hill Dr Macon, GA	2.0	1.0	980	$875	$0.89	13d	1	0.83mi
1332 Hillridge Dr Macon, GA	3.0	2.0	1050	$1,050	$1.00	13d	1	0.84mi
837 Newberg Ave Macon, GA	3.0	1.0	966	$750	$0.78	44d	1	0.87mi
2445 Lowe St Macon, GA	2.0	1.0	940	$890	$0.95	44d	1	1.01mi
3423 Flamingo Dr Macon, GA	3.0	1.0	1048	$895	$0.85	44d	1	1.20mi
1260 Auburn Dr Macon, GA	3.0	1.0	864	$1,075	$1.24	44d	1	1.41mi
1260 Auburn Dr Macon, GA	3.0	1.0	864	$1,295	$1.50	21d	1	1.41mi
558 Cleveland St Macon, GA	2.0	1.0	924	$925	$1.00	44d	1	1.42mi
534 Lynmore Ave Macon, GA	2.0	1.0	864	$925	$1.07	44d	1	1.43mi
906 Thomas St Macon, GA	2.0	1.0	800	$650	$0.81	44d	1	1.48mi
668 Grosso Ave Unit A Macon, GA	2.0	1.0	650	$750	$1.15	21d	1	1.49mi
1782 Eveline Ave Macon, GA	3.0	1.0	900	$1,050	$1.17	44d	1	1.49mi

Listing history 28 events

1. 2026-06-19
   days on market $62,900 Active 285 DOM
2. 2026-06-18
   days on market $62,900 Active 284 DOM
3. 2026-06-17
   days on market $62,900 Active 283 DOM
4. 2026-06-16
   days on market $62,900 Active 282 DOM
5. 2026-06-15
   days on market $62,900 Active 281 DOM
6. 2026-06-14
   days on market $62,900 Active 279 DOM
7. 2026-06-13
   statusdays on market $62,900 Active 278 DOM
8. 2026-06-10
   days on market $62,900 Price Change 276 DOM
9. 2026-06-09
   pricestatusdays on market $62,900 Price Change 275 DOM
10. 2026-06-09
    days on market $69,900 Active 274 DOM
11. 2026-06-07
    days on market $69,900 Active 273 DOM
12. 2026-06-03
    days on market $69,900 Active 269 DOM
13. 2026-06-02
    days on market $69,900 Active 268 DOM
14. 2026-06-01
    days on market $69,900 Active 267 DOM
15. 2026-05-31
    days on market $69,900 Active 266 DOM
16. 2026-05-30
    days on market $69,900 Active 265 DOM
17. 2026-04-25
    price $69,900 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

18. 2026-04-17
    price $74,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

19. 2026-04-06
    price $88,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

20. 2026-04-06
    price $84,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

21. 2026-03-05
    price $77,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

22. 2026-02-19
    status Back On Market 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

23. 2026-01-27
    status Under Contract 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

24. 2026-01-14
    price $79,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

25. 2025-12-21
    price $84,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

26. 2025-11-19
    price $89,000 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

27. 2025-08-16
    listed $95,000 New 159-char remark

    Show marketing remark (159 chars)

    All brick 3 bed/1 bath with tons of potential. Quiet neighborhood. Close to schools and interstate. Great for Investment or 1st time homebuyer. Fully electric.

28. 2006-04-17
    soldstatus $45,000

ⓘ 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: $531 · $44/mo
• Projected year-2 tax: $579 · $48/mo
• Expected delta: +$47/yr (+$4/mo · 8.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,317
• − Mortgage interest: −$3,523
• − Property taxes: −$531
• − Insurance: −$314
• − Repairs & maintenance: −$1,065
• − Management: −$1,065
• − Depreciation: −$1,830
• Taxable income: $4,987
• Est. tax owed @ 24.0%: −$1,197
• After-tax cash flow: $4,520/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: Bibb County
• NCES district ID: 1300420
• Math proficiency: 11% ▼ -14.00%
• Reading proficiency: 18% ▼ -11.00%
• Median HH income: $37,426
• Composite: 12.13/100
• National rank: #9654
• State rank: #161 of 174 in GA

Livability — Macon-Bibb County

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

Census & demographics

• Census place: Macon-Bibb County, GA
• County: Bibb County · 164,332 people
• City population: 143,186
• Metro: Macon-Bibb County, GA
• Population (ZIP): 24,310
• Household income: $30,042
• Rent vs Own: 56.5% rent · 43.5% own
• Severe rent burden: 1335.0

Population outlook (Bibb County) Hauer SSP2

• Today (2025): 148,772 people
• By 2030: 145,904 · -1.9%
• By 2040: 139,404 · -6.3%
• By 2050: 131,603 · -11.5%
• By 2075: 111,050 · -25.4%
• By 2100: 83,346 · -44.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (76%)
• Race & ethnicity: Black 76% White 12% Hispanic / Latino 8% Two or more races 4%
• Hispanic origin (detail): Mexican 5% Puerto Rican 1%
• Common ancestry: Lithuanian 1% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 91% English-only · Spanish 8%

Political lean MEDSL · Bibb

• 2024 margin: Strong D (+22.4) · D 61.0% · R 38.5%
• 2008→2024 swing: +4.4pp toward D · 2008: 18.0pp · 2024: 22.4pp
• All cycles: 2024: D+22.4 2020: D+23.8 2016: D+20.2 2012: D+20.0 2008: D+18.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -80.17%
• Current HPI: 148.6765
• Rent YoY: ▲ 5.03%
• Metro: Macon-Bibb County, 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

+55.3% since first listed

12 events — show timeline

• 2026-04-25 Price Changed $69,900 GAMLS
• 2026-04-17 Price Changed $74,000 GAMLS
• 2026-04-06 Price Changed $88,000 GAMLS
• 2026-04-06 Price Changed $84,000 GAMLS
• 2026-03-05 Price Changed $77,000 GAMLS
• 2026-02-19 Relisted — GAMLS
• 2026-01-27 Pending — GAMLS
• 2026-01-14 Price Changed $79,000 GAMLS
• 2025-12-21 Price Changed $84,000 GAMLS
• 2025-11-19 Price Changed $89,000 GAMLS
• 2025-08-16 Listed $95,000 GAMLS
• 2006-04-17 Sold (Public Records) $45,000 Public Records

Property tax history

+9.2%/yr

Latest (2025): $531 · -1.3% YoY. Source: county tax records.