4759 White Oak Trl · Redan, GA 30088

$230,000

3 bd · 2.5 ba · 1,920 sqft · SingleFamily public records · 9 Days on market

Built 1983 0.27 ac lot Est $236k · at est.

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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).

• Cash flow +16.3/30.0
• ARV discount +8.7/15.0
• DSCR +5.0/10.0
• Rent growth +3.4/5.0
• 1% rule +3.2/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to 4759 White Oak Trail in Stone Mountain! This spacious 3-bedroom, 2.5-bath traditional home offers approximately 1,920 square feet of comfortable living space with a functional layout perfect for everyday living and entertaining. Built in 1983, this home features a versatile bonus room ideal for a home office, playroom, media room, or flex space to fit your needs. Recent improvements include a brand-new roof installed in 2025, along with minor upgrades to the bathrooms and updated flooring, offering a great blend of charm and modern touches. The home provides generous living space, a welcoming exterior, and endless potential for a buyer looking to personalize and make it their own. Conveniently located in Stone Mountain with easy access to shopping, dining, schools, parks, and major highways. Don't miss this opportunity to own a well-maintained home with valuable updates in an established neighborhood. Schedule your showing today!

Key facts

• Bonus room
• Updated flooring
• New roof

Tags

• BONUS ROOM
• NEW ROOF
• UPDATED FLOORING
• ESTABLISHED NEIGHBORHOOD

Property features AI

Exterior

• Parking: Garage parking (2 spaces total)
• Utilities: Public water; Public sewer; 220 volts electric; Cable available; Electricity available; Natural gas available; Phone available; Underground utilities
• Home design: Two levels; Resale property
• Construction: Frame and other construction materials; Composition roof; Combination and slab foundation; Built as existing (resale)
• Exterior features: Patio; Other exterior features

Interior

• Kitchen: Eat-in kitchen; Dishwasher; Disposal; Gas cooktop; Refrigerator
• Bedrooms: Three upper-level bedrooms; Bedroom features: Other
• Flooring: Carpet; Wood; Hardwood
• Bathrooms: Two full bathrooms; One half bathroom; Master bath with double vanity and shower only
• Heating & cooling: Central heating; Central air
• Interior features: One fireplace with gas log and gas starter; fire pit and family room access; Insulated windows; No common walls; Other interior features
• Laundry & utility: Electric dryer hookup; Other laundry features

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $125 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (18.2% below list).
• Recommended offer: $188k (18.2% below list) — sets the bar for 1% rule.
• Cap rate 6.9% vs local median 5.3% in Redan — 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 64/100 on livability (#274 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, amenities F, commute F.
• Dekalb County (suburban): math 19% / reading 28% proficiency, ranked #125 of 174 in GA (top 72%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Woodridge Elementary School (math 8% / reading 12%, grade F, #1,092 of 1,228 statewide, top 91%, 475 students, 97% FRL); Miller Grove Middle School (math 8% / reading 18%, grade F, #410 of 470 statewide, top 87%, 722 students, 100% FRL); Miller Grove High School (math 5% / reading 5%, grade F, #394 of 424 statewide, top 97%, 1,188 students, 100% FRL) — zoned schools average 99% FRL vs 68% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 9% at this address vs 24% district-wide (-14 pts) — the specific schools serving this property underperform the Dekalb County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.7%/yr); 220 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 1,240 units permitted in DeKalb County in 2024 (385 in 5+ unit buildings).
• This rent runs 32% of the median local income ($70k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• DeKalb County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.
• Current owner paid $68k; list at $230k implies a 237% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $188,094 (18.2% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
3. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. 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?
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: 0.82% ✗
• Cap rate: 6.94%
• Cash-on-cash: 2.32%
• DSCR: 1.10
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $236,160
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4828 White Oak Tree	0.17mi	3/2.0	1,757 (-8%)	4mo	$160,000	$91	73
4436 Cypress Ridge Ln	0.66mi	3/2.0	1,928 (+0%)	2mo	$162,000	$84	65
4859 Terrace Green Trce	0.58mi	3/2.0	1,833 (-4%)	1mo	$245,000	$134	63
4541 Mercer Rd	0.56mi	4/2.5 (+1)	2,024 (+5%)	2mo	$295,500	$146	58
4641 Wendover Dr	0.35mi	4/2.5 (+1)	2,130 (+11%)	5mo	$242,500	$114	57
4670 Wendover Dr	0.27mi	4/3.0 (+1)	2,193 (+14%)	3mo	$270,000	$123	54
1373 To Lani Farm Rd	0.72mi	3/2.0	1,844 (-4%)	7mo	$174,000	$94	52
4840 Terrace Green Trce	0.55mi	4/3.0 (+1)	2,142 (+12%)	1mo	$240,000	$112	47
1381 To Lani Farm Rd	0.72mi	3/2.0	1,726 (-10%)	1mo	$289,000	$167	47
1556 Linksview Close	0.54mi	3/2.5	2,190 (+14%)	6mo	$260,000	$119	46
4792 Terrace Green Trce	0.69mi	3/2.0	2,146 (+12%)	4mo	$345,000	$161	43
1219 To Lani Dr	0.71mi	3/2.5	1,670 (-13%)	5mo	$225,000	$135	41

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 · 3.72% rent growth · sell at horizon

5-year hold

• IRR: -12.0%
• Equity multiple: 0.56×
• Total profit: $-28,068
• Equity at exit: $34,294

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-8,956
• Equity at exit: $19,886

Cash invested: $64,400 (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 30088

• Rents YoY: 3.7%
• Active inventory: 220
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,881 high
• Mortgage (P&I): −$1,206
• Tax from tax record: −$59 /mo · $711/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $125

Break-even live

Break-even rent $1,723

Max offer price $230,000

Occupancy floor 88%

Sensitivity live

Price	-10% $255	-5% $190	+0% $125	+5% $60	+10% $-6
Rent	-10% $-24	-5% $50	+0% $125	+5% $199	+10% $273
Rate	-1.0pp $241	-0.5pp $183	base $125	+0.5pp $65	+1.0pp $4

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1420 S Hairston Rd Stone Mountain, GA	1.0–2.0	1.0–2.5	1011	$1,358	$1.34	21d	31	0.17mi
1576 Canberra Dr Stone Mountain, GA	3.0	2.0	1850	$1,000	$0.54	6d	1	0.32mi
1576 Canberra Dr Stone Mountain, GA	3.0	2.0	1850	$1,900	$1.03	4d	1	0.32mi
4852 Lost Colony Ct Stone Mountain, GA	4.0	3.0	1694	$1,775	$1.05	26d	1	0.32mi
1600 Devon Ct Stone Mountain, GA	4.0	3.0	2100	$2,145	$1.02	26d	1	0.41mi
4169 Cedar Ridge Trl Stone Mountain, GA	3.0	2.0	1591	$1,870	$1.18	7d	1	0.60mi
4073 Cedar Ridge Trl Stone Mountain, GA	4.0	2.5	2100	$1,761	$0.84	45d	1	0.66mi
4935 Millstone Walk Stone Mountain, GA	3.0	2.5	1248	$1,950	$1.56	7d	1	0.66mi
1183 Mill Lake Cir Stone Mountain, GA	3.0	2.0	1373	$1,751	$1.28	7d	1	0.74mi
1373 Mill Lake Cir Stone Mountain, GA	3.0	2.0	1296	$1,738	$1.34	1d	1	0.75mi
1401 Mill Lake Cir Stone Mountain, GA	3.0	2.0	1320	$1,675	$1.27	14d	1	0.75mi
1338 Mill Lake Cir Stone Mountain, GA	3.0	2.0	1844	$1,900	$1.03	3d	1	0.76mi
1299 To Lani Path Stone Mountain, GA	3.0	2.0	1507	$1,675	$1.11	14d	1	0.78mi
1228 Mill Lake Cir Stone Mountain, GA	3.0	2.0	1344	$1,645	$1.22	45d	1	0.80mi
1217 To Lani Path Stone Mountain, GA	3.0	2.5	1404	$1,754	$1.25	3d	1	0.83mi
4939 Clubgreen Smt Stone Mountain, GA	4.0	2.5	2156	$2,139	$0.99	45d	1	0.84mi
5118 Rocky Gln Stone Mountain, GA	4.0	2.0	1932	$2,100	$1.09	45d	1	0.85mi
1406 High Meadow Dr Stone Mountain, GA	3.0	2.0	1621	$1,625	$1.00	14d	1	0.92mi
1406 High Meadow Dr Stone Mountain, GA	3.0	2.0	1621	$900	$0.56	24d	1	0.92mi
1563 Pine Glen Cir Decatur, GA	3.0	2.0	1608	$1,695	$1.05	7d	1	0.98mi
1102 Cherokee Hts Stone Mountain, GA	4.0	2.5	1867	$2,140	$1.15	13d	1	1.02mi
1127 Cherokee Hts Stone Mountain, GA	4.0	3.0	2184	$1,831	$0.84	14d	1	1.02mi
1922 Manhattan Pkwy Decatur, GA	2.0	2.5	1814	$2,000	$1.10	7d	1	1.06mi
4336 Glenhaven Dr Decatur, GA	4.0	3.0	2100	$2,500	$1.19	45d	1	1.13mi
2014 Manhattan Pkwy Decatur, GA	3.0	2.5	1620	$1,956	$1.21	7d	1	1.14mi
4612 Grand Central Pkwy Decatur, GA	2.0	2.5	1328	$2,100	$1.58	26d	1	1.18mi
1380 Colony Hill Ct Stone Mountain, GA	4.0	4.5	1350	$1,690	$1.25	14d	1	1.20mi
1380 Colony Hill Ct Stone Mountain, GA	3.0	1.5	1350	$1,500	$1.11	12d	1	1.20mi
924 Lake Drive Ter Stone Mountain, GA	3.0	2.0	1380	$1,670	$1.21	45d	1	1.20mi
1859 Broadway St Decatur, GA	3.0	2.5	1620	$2,200	$1.36	5d	1	1.21mi
1076 Martin Rd Stone Mountain, GA	4.0	2.0	1760	$2,011	$1.14	18d	1	1.26mi
1467 Muirfield Dr Stone Mountain, GA	3.0	2.0	1630	$1,870	$1.15	24d	1	1.30mi
867 Oakhill Ct Stone Mountain, GA	3.0	2.5	1556	$1,850	$1.19	45d	1	1.33mi
869 Heritage Oaks Dr Stone Mountain, GA	3.0	2.5	1400	$1,199	$0.86	1d	1	1.34mi
841 Arbor Ct Stone Mountain, GA	3.0	2.0	1448	$1,845	$1.27	24d	1	1.38mi
1168 Perry Way Stone Mountain, GA	4.0	3.0	2100	$1,200	$0.57	3d	1	1.44mi
887 Ellis Rd Stone Mountain, GA	3.0	2.0	1778	$1,923	$1.08	26d	1	1.47mi

Listing history 8 events

1. 2026-06-13
   statusdays on market $230,000 Pending 9 DOM
2. 2026-06-09
   days on market $230,000 Active 8 DOM
3. 2026-06-08
   days on market $230,000 Active 7 DOM
4. 2026-06-07
   days on market $230,000 Active 6 DOM
5. 2026-06-04
   days on market $230,000 Active 3 DOM
6. 2026-06-03
   days on market $230,000 Active 2 DOM
7. 2026-06-01
   remarks 699-char remark
8. 2026-06-01
   listed $230,000 Active 1 DOM

ⓘ 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: $711 · $59/mo
• Projected year-2 tax: $2,116 · $176/mo
• Expected delta: +$1,405/yr (+$117/mo · 197.5%)

ⓘ 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 5/10 Major 7 d/yr ≥104°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 6/10 Major 8 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,571
• − Mortgage interest: −$12,884
• − Property taxes: −$711
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,806
• − Management: −$1,806
• − Depreciation: −$6,691
• Taxable loss: −$2,476
• Est. tax savings @ 24.0%: +$594
• After-tax cash flow: $2,090/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: Dekalb County
• NCES district ID: 1301740
• Math proficiency: 19% ▼ -12.00%
• Reading proficiency: 28% ▼ -7.00%
• Median HH income: $51,448
• Composite: 20.92/100
• National rank: #8482
• State rank: #125 of 174 in GA

Livability — Redan

• Score: 64/100
• State rank: #274
• US rank: #14766

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Redan, GA
• County: Dekalb County · 782,738 people
• City population: 29,279
• Metro: Atlanta-Sandy Springs-Alpharetta, GA
• Population (ZIP): 29,240
• Household income: $70,325
• Rent vs Own: 39.2% rent · 60.8% own
• Severe rent burden: 1106.0

Population outlook (DeKalb County) Hauer SSP2

• Today (2025): 839,977 people
• By 2030: 891,768 · +6.2%
• By 2040: 988,894 · +17.7%
• By 2050: 1,074,583 · +27.9%
• By 2075: 1,245,026 · +48.2%
• By 2100: 1,303,135 · +55.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (84%)
• Race & ethnicity: Black 84% White 5% Hispanic / Latino 5% Two or more races 5%
• Common ancestry: Swedish 1% Russian 1%
• Foreign-born: 11% · Canada
• Languages at home: 90% English-only · Spanish 4% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · DeKalb

• 2024 margin: Solid D (+64.8) · D 81.9% · R 17.1% · Other 1.0%
• 2008→2024 swing: +6.1pp toward D · 2008: 58.6pp · 2024: 64.8pp
• All cycles: 2024: D+64.8 2020: D+67.4 2016: D+64.8 2012: D+56.8 2008: D+58.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -169.92%
• Current HPI: 206.5421
• Rent YoY: ▲ 3.72%
• Metro: Atlanta-Sandy Springs-Alpharetta, 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

+206.7% since first listed

5 events — show timeline

• 2026-05-31 Listed $230,000 FMLS
• 2026-05-31 Listed $230,000 GAMLS
• 1991-01-07 Sold (Public Records) $68,185 Public Records
• 1990-12-01 Sold (Public Records) $68,100 Public Records
• 1988-11-07 Sold (Public Records) $75,000 Public Records

Property tax history

-2.7%/yr

Latest (2025): $711 · -4.3% YoY. Source: county tax records.