3936 Lu Ln · Hahira, GA 31632

$312,900

4 bd · 2.0 ba · 1,931 sqft · SingleFamily public records · 44 Days on market

Built 2024 Good condition 0.42 ac lot $162/sqft · 8% above area Est $293k · 7% over $21/mo HOA · 1% of rent

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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).

• Appreciation +10.0/10.0
• Cash flow +7.9/30.0
• Schools +4.7/10.0
• ARV discount +4.5/15.0
• Condition / age +4.0/5.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• DSCR +2.0/10.0
• 1% rule +1.8/10.0

Listing remarks MLS

Welcome to this like-new, better-than-new four-bedroom, two-bathroom home in the highly coveted Val Del Estates. Thoughtfully designed with hardwood floors throughout, this home offers both timeless style and everyday comfort. The heart of the home is the spacious, light-filled kitchen, featuring granite counter-tops throughout, a stunning back-splash, large stainless steel farmhouse sink, all stainless steel appliances, and a generous island perfect for gathering and entertaining. Two walk-in pantries provide exceptional storage and functionality. The private primary suite is a true retreat, boasting a double vanity, large tiled soaking tub, and over-sized tiled walk-in shower, along with his-and-hers walk-in closets complete with custom wooden built-ins. The secondary bathroom is equally impressive, offering an over-sized layout, tiled tub/shower combination, and elegant granite counter-tops. Enjoy modern efficiency with a tank-less hot water heater, providing limitless hot water for added comfort and convenience. Step outside to enjoy the covered back patio overlooking a fully fenced backyard with a 6-foot wooden privacy fence—perfect for relaxing, entertaining, or pets at play. This beautifully maintained home blends luxury, functionality, and location—an exceptional opportunity in Val Del Estates.

Key facts

• Spacious kitchen
• Walk-in pantries
• Hardwood floors

Tags

• HARDWOOD FLOORS
• SPACIOUS KITCHEN
• GRANITE COUNTER-TOPS
• STAINLESS STEEL APPLIANCES
• WALK-IN PANTRIES
• PRIVATE PRIMARY SUITE

Property features AI

Finance

• Other: Located in Val Del Estates subdivision; Address: 3936 Lu Lane, Hahira, GA 31632; Lot about 0.42 acres
• HOA & community: Homeowners association with a $250 monthly fee (includes grounds maintenance)

Exterior

• Parking: Garage with garage door opener
• Utilities: Public water; Public sewer; Electricity available; High-speed internet available; Cable available; Phone available; Insulation (energy efficient)
• Home design: Single-family house; One story with multi/split levels; Resale property
• Construction: Built in 2024; Vinyl siding; Composition roof; Slab foundation
• Exterior features: Sprinkler system; Patio; Fenced yard

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator
• Bedrooms: 4 bedrooms (all on the main level)
• Flooring: Hardwood floors; Tile floors
• Bathrooms: 2 full bathrooms (both on the main level)
• Heating & cooling: Central heating (electric); Central air conditioning (electric); Ceiling fans
• Interior features: Separate shower; Soaking tub; Tile baths; Tray ceilings; Walk-in closets; Laundry closet
• Laundry & utility: Laundry closet

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $313k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-399 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $242k (22.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $214k (31.5% below list).
• Recommended offer: $214k (31.5% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 3.9% in Hahira — 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 67/100 on livability (#161 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime C-, employment D+, health & safety D.
• Lowndes County (rural): math 59% / reading 52% proficiency, ranked #8 of 174 in GA (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Dewar Elementary (math 61% / reading 47%, grade C, #204 of 1,228 statewide, top 17%, 859 students, 50% FRL); Pine Grove Middle School (math 56% / reading 57%, grade B, #48 of 470 statewide, top 10%, 742 students, 50% FRL); Lowndes High School (math 69% / reading 51%, grade C+, #14 of 424 statewide, top 3%, 3,201 students, 39% FRL) — zoned schools at 46% FRL track the district average.
• Market conditions: 189 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 896 units permitted in Lowndes County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $33k of equity ($2k loan paydown + $31k appreciation (10.0% local appreciation)).
• Lowndes County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$54k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($304k) is reasonable based on typical stale-listing flexibility.
• 3 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $214,196 (31.5% 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 44 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.68% ✗
• Cap rate: 5.02%
• Cash-on-cash: -4.56%
• DSCR: 0.80
• GRM: 12.2

CMA / ARV

• ARV (median comp): $293,084
• List price: $312,900
• Delta: 6.76%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
769 Carriage Xing	0.65mi	4/2.0	1,930 (-0%)	1mo	$319,900	$166	68
1545 Beverly Ln	0.46mi	4/2.0	1,799 (-7%)	9mo	$289,900	$161	60
751 Fry Rd	0.71mi	4/2.0	1,839 (-5%)	2mo	$349,900	$190	57
1577 Beverly Ln	0.56mi	4/2.0	1,799 (-7%)	9mo	$302,900	$168	55
6616 Brookridge Dr	0.52mi	4/2.0	1,701 (-12%)	1mo	$319,900	$188	55
1741 Phillips Cir	0.59mi	4/2.0	1,773 (-8%)	6mo	$296,000	$167	53
1604 Beverly Ln	0.62mi	4/2.0	1,799 (-7%)	8mo	$295,000	$164	53
1600 Beverly Ln	0.62mi	4/2.0	1,799 (-7%)	9mo	$302,900	$168	52
1597 Beverly Ln	0.63mi	4/2.0	1,799 (-7%)	9mo	$298,900	$166	52
1612 Beverly Ln	0.64mi	4/2.0	1,799 (-7%)	9mo	$298,900	$166	51
1585 Beverly Ln	0.59mi	5/3.0 (+1)	2,043 (+6%)	9mo	$321,000	$157	46
6453 Meadow Creek Rd	0.67mi	3/2.0 (-1)	1,773 (-8%)	6mo	$285,000	$161	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: 20.4%
• Equity multiple: 2.65×
• Total profit: $144,984
• Equity at exit: $281,885

10-year hold

• IRR: 18.6%
• Equity multiple: 6.10×
• Total profit: $446,920
• Equity at exit: $607,896

Cash invested: $87,612 (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 31632

• Home prices YoY: 8.1%
• Active inventory: 189
• Price-to-rent: 12.2×

Monthly cashflow live

• Estimated rent: $2,142 medium
• Mortgage (P&I): −$1,641
• Tax from tax record: −$233 /mo · $2,790/yr
• Insurance: −$130
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$21
• Vacancy / Maint / Mgmt: −$450
• Net cashflow: $-399

Break-even live

Break-even rent $2,647

Max offer price $242,399

Occupancy floor —

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: $78,225
• Closing costs: $9,387
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
305 Barfield St Hahira, GA	3.0	2.0	1361	$1,495	$1.10	43d	1	1.13mi

HOA detail

• Monthly dues: $21 · $252/yr
• Likely covers: water

Listing history 21 events

1. 2026-06-19
   days on market $312,900 Active 44 DOM
2. 2026-06-18
   days on market $312,900 Active 43 DOM
3. 2026-06-17
   statusdays on market $312,900 Active 42 DOM
4. 2026-06-16
   days on market $312,900 Price Change 41 DOM
5. 2026-06-15
   pricestatusdays on market $312,900 Price Change 40 DOM
6. 2026-06-14
   days on market $314,900 Active 38 DOM

   Show marketing remark (1335 chars)

   Welcome to this like-new, better-than-new four-bedroom, two-bathroom home in the highly coveted Val Del Estates. Thoughtfully designed with hardwood floors throughout, this home offers both timeless style and everyday comfort. The heart of the home is the spacious, light-filled kitchen, featuring granite counter-tops throughout, a stunning back-splash, large stainless steel farmhouse sink, all stainless steel appliances, and a generous island perfect for gathering and entertaining. Two walk-in pantries provide exceptional storage and functionality. The private primary suite is a true retreat, boasting a double vanity, large tiled soaking tub, and over-sized tiled walk-in shower, along with his-and-hers walk-in closets complete with custom wooden built-ins. The secondary bathroom is equally impressive, offering an over-sized layout, tiled tub/shower combination, and elegant granite counter-tops. Enjoy modern efficiency with a tank-less hot water heater, providing limitless hot water for added comfort and convenience. Step outside to enjoy the covered back patio overlooking a fully fenced backyard with a 6-foot wooden privacy fence—perfect for relaxing, entertaining, or pets at play. This beautifully maintained home blends luxury, functionality, and location—an exceptional opportunity in Val Del Estates.

7. 2026-06-13
   days on market $314,900 Active 37 DOM
8. 2026-06-10
   days on market $314,900 Active 35 DOM
9. 2026-06-09
   days on market $314,900 Active 34 DOM
10. 2026-06-08
    days on market $314,900 Active 33 DOM
11. 2026-06-07
    days on market $314,900 Active 32 DOM
12. 2026-06-05
    days on market $314,900 Active 29 DOM
13. 2026-06-03
    days on market $314,900 Active 28 DOM
14. 2026-06-02
    days on market $314,900 Active 27 DOM
15. 2026-06-01
    days on market $314,900 Active 26 DOM
16. 2026-05-31
    days on market $314,900 Active 25 DOM
17. 2026-05-30
    days on market $314,900 Active 24 DOM
18. 2026-03-22
    price $314,900 1335-char remark

    Show marketing remark (1335 chars)

    Welcome to this like-new, better-than-new four-bedroom, two-bathroom home in the highly coveted Val Del Estates. Thoughtfully designed with hardwood floors throughout, this home offers both timeless style and everyday comfort. The heart of the home is the spacious, light-filled kitchen, featuring granite counter-tops throughout, a stunning back-splash, large stainless steel farmhouse sink, all stainless steel appliances, and a generous island perfect for gathering and entertaining. Two walk-in pantries provide exceptional storage and functionality. The private primary suite is a true retreat, boasting a double vanity, large tiled soaking tub, and over-sized tiled walk-in shower, along with his-and-hers walk-in closets complete with custom wooden built-ins. The secondary bathroom is equally impressive, offering an over-sized layout, tiled tub/shower combination, and elegant granite counter-tops. Enjoy modern efficiency with a tank-less hot water heater, providing limitless hot water for added comfort and convenience. Step outside to enjoy the covered back patio overlooking a fully fenced backyard with a 6-foot wooden privacy fence—perfect for relaxing, entertaining, or pets at play. This beautifully maintained home blends luxury, functionality, and location—an exceptional opportunity in Val Del Estates.

19. 2026-02-09
    listed $319,900 Active 1335-char remark

    Show marketing remark (1335 chars)

    Welcome to this like-new, better-than-new four-bedroom, two-bathroom home in the highly coveted Val Del Estates. Thoughtfully designed with hardwood floors throughout, this home offers both timeless style and everyday comfort. The heart of the home is the spacious, light-filled kitchen, featuring granite counter-tops throughout, a stunning back-splash, large stainless steel farmhouse sink, all stainless steel appliances, and a generous island perfect for gathering and entertaining. Two walk-in pantries provide exceptional storage and functionality. The private primary suite is a true retreat, boasting a double vanity, large tiled soaking tub, and over-sized tiled walk-in shower, along with his-and-hers walk-in closets complete with custom wooden built-ins. The secondary bathroom is equally impressive, offering an over-sized layout, tiled tub/shower combination, and elegant granite counter-tops. Enjoy modern efficiency with a tank-less hot water heater, providing limitless hot water for added comfort and convenience. Step outside to enjoy the covered back patio overlooking a fully fenced backyard with a 6-foot wooden privacy fence—perfect for relaxing, entertaining, or pets at play. This beautifully maintained home blends luxury, functionality, and location—an exceptional opportunity in Val Del Estates.

20. 2026-02-09
    listed $314,900 New 1327-char remark

    Show marketing remark (1335 chars)

    Welcome to this like-new, better-than-new four-bedroom, two-bathroom home in the highly coveted Val Del Estates. Thoughtfully designed with hardwood floors throughout, this home offers both timeless style and everyday comfort. The heart of the home is the spacious, light-filled kitchen, featuring granite counter-tops throughout, a stunning back-splash, large stainless steel farmhouse sink, all stainless steel appliances, and a generous island perfect for gathering and entertaining. Two walk-in pantries provide exceptional storage and functionality. The private primary suite is a true retreat, boasting a double vanity, large tiled soaking tub, and over-sized tiled walk-in shower, along with his-and-hers walk-in closets complete with custom wooden built-ins. The secondary bathroom is equally impressive, offering an over-sized layout, tiled tub/shower combination, and elegant granite counter-tops. Enjoy modern efficiency with a tank-less hot water heater, providing limitless hot water for added comfort and convenience. Step outside to enjoy the covered back patio overlooking a fully fenced backyard with a 6-foot wooden privacy fence—perfect for relaxing, entertaining, or pets at play. This beautifully maintained home blends luxury, functionality, and location—an exceptional opportunity in Val Del Estates.

21. 2024-12-16
    soldstatus $299,900

ⓘ 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: $2,790 · $233/mo
• Projected year-2 tax: $2,879 · $240/mo
• Expected delta: +$88/yr (+$7/mo · 3.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 6/10 Major 10 unhealthy d/yr today · 13 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,704
• − Mortgage interest: −$17,527
• − Property taxes: −$2,790
• − Insurance: −$2,362
• − Repairs & maintenance: −$2,056
• − Management: −$2,056
• − HOA: −$252
• − Depreciation: −$9,103
• Taxable loss: −$10,443
• Est. tax savings @ 24.0%: +$2,506
• After-tax cash flow: $-2,283/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 · 12 photos

Good 80/100 None rehab

This home is in excellent condition with no visible repairs needed. It offers a good ROI with updates focusing on curb appeal and smart home features.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics
• Both Landscaping improvements — Enhances curb appeal and adds value
• Both Add smart home features — Improves convenience and adds value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both Add smart home features — Improves convenience and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Lowndes County
• NCES district ID: 1303390
• Math proficiency: 59% ▼ -1.00%
• Reading proficiency: 52% ▼ -2.00%
• Median HH income: $48,221
• Composite: 47.21/100
• National rank: #2317
• State rank: #8 of 174 in GA

Livability — Hahira

• Score: 67/100
• State rank: #161
• US rank: #10280

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lowndes County · 107,801 people
• Metro: Valdosta, GA
• Population (ZIP): 15,942
• Household income: $83,946
• Rent vs Own: 16.9% rent · 83.1% own
• Severe rent burden: 73.0

Population outlook (Lowndes County) Hauer SSP2

• Today (2025): 120,348 people
• By 2030: 123,469 · +2.6%
• By 2040: 128,482 · +6.8%
• By 2050: 131,907 · +9.6%
• By 2075: 139,080 · +15.6%
• By 2100: 133,649 · +11.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 12% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Slovak 3% Serbian 2% Italian 1%
• Foreign-born: 2% · Canada, Jamaica
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Lowndes

• 2024 margin: R (+18.0) · D 40.8% · R 58.8%
• 2008→2024 swing: -8.6pp toward R · 2008: -9.4pp · 2024: -18.0pp
• All cycles: 2024: R+18.0 2020: R+12.0 2016: R+18.2 2012: R+10.5 2008: R+9.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 19.44%
• Current HPI: 259.01
• Rent YoY: —
• Metro: Valdosta, 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

+4.3% since first listed

9 events — show timeline

• 2026-06-14 Price Changed $312,900 GAMLS
• 2026-06-14 Price Changed $312,900 SGMLS
• 2026-03-22 Price Changed $314,900 SGMLS
• 2026-02-09 Listed $319,900 SGMLS
• 2026-02-09 Listed $314,900 GAMLS
• 2024-12-16 Sold (Public Records) $299,900 Public Records
• 2024-12-11 Sold (MLS) $299,900 SGMLS
• 2024-11-06 Pending — SGMLS
• 2024-10-07 Listed $299,900 SGMLS