507 Rippling Ct · Temple, GA 30179

$315,000

3 bd · 2.5 ba · 2,032 sqft · Other public records · 54 Days on market

Built 2006 10,018 sqft lot $155/sqft · at area comps Est $320k · 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).

• Appreciation +10.0/10.0
• ARV discount +8.3/15.0
• Cash flow +7.5/30.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.7/10.0
• 1% rule +1.6/10.0

Listing remarks MLS

Beautifully maintained 4-bedroom, 2.5 bath home located on a quiet culdesac street! This property offers a spacious and functional layout with upgraded features throughout. The main level includes a large kitchen with abundant cabinetry, extensive countertop space, and a neutral ceramic tile backsplash set in a classic diamond pattern. A bright breakfast area overlooking the backyard. The living room features real hardwood floors, a stone fireplace, and generous natural light. The oversized primary suite includes tray ceilings and large lightfilled windows. The ensuite bathroom offers separate hisandher vanities connected by a custom corner cabinet, the soaking tub is finished with neutral ceramic tile and a decorative accent band for a clean upgraded look, separate water closet, the tiled shower features full height ceramic tile in warm beige tones with a decorative accent detail. Secondary bedrooms are well sized and connected by a convenient Jack-n-Jill bathroom. The expansive fourth bedroom offers enough space to function as a teen suite, a large bonus room, or a shared bedroom with room for multiple beds. Exterior features include a fenced backyard, attractive landscaping, and large boulder accents in the front yard on a quiet cul-de-sac street offering privacy while remaining close to local conveniences. This home has been well cared for and thoughtfully upgraded throughout.

Key facts

• 0.23 acre lot
• 2 garage spots
• Built 2006

Property features AI

Finance

• HOA & community: Community includes sidewalks and street lights

Exterior

• Parking: Attached garage facing front; Two garage spaces (two total parking spaces)
• Utilities: Public water; Public sewer; Cable available; Electricity available; Phone available; Underground utilities; Water available
• Home design: Two-level single-family home; Resale property; Fee simple ownership
• Construction: Cement siding with concrete and stone accents; Composition roof with ridge vents; Slab foundation; Green/energy-efficient construction elements including doors, HVAC, insulation, roof, and windows; Built with no waterfront frontage
• Exterior features: Fenced backyard with wood privacy fence; Garden; Rain gutters; Patio; Paved road frontage on a city street; Sidewalks and street lights in the community

Interior

• Kitchen: Eat-in kitchen with pantry; Solid surface counters; Open view to family room; Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: Oversized master bedroom; Four upper-level bedrooms
• Flooring: Hardwood; Ceramic tile; Carpet
• Bathrooms: Two full bathrooms; One half bathroom on main level; Master bath with double vanity, separate tub and shower, and soaking tub
• Heating & cooling: Central air; Ceiling fans; Electric heating
• Interior features: High 9-ft ceilings on main and upper levels; Entrance foyer; Recessed lighting; Tray ceilings; Double vanity in baths; Walk-in closets; Disappearing attic stairs; High-speed internet; Insulated windows; One masonry stone fireplace with raised hearth in family room; No common walls
• Laundry & utility: Upper-level laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath other listed at $315k.

Deal economics

• At list price, monthly cash flow is $-388 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $247k (21.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (33.5% below list).
• Recommended offer: $209k (33.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#60 in GA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Carroll County (rural): math 42% / reading 41% proficiency, ranked #38 of 174 in GA (top 22%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Providence Elementary School (math 40% / reading 35%, grade F, #474 of 1,228 statewide, top 39%, 528 students, 56% FRL); Temple Middle School (math 31% / reading 36%, grade F, #206 of 470 statewide, top 45%, 621 students, 67% FRL); Temple High School (math 22% / reading 22%, grade F, #213 of 424 statewide, top 51%, 746 students, 62% FRL).
• Market conditions: 191 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 876 units permitted in Carroll County in 2024 (150 in 5+ unit buildings).
• This rent runs 33% of the median local income ($77k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $34k of equity ($2k loan paydown + $32k appreciation (10.0% local appreciation)).
• Carroll County population projected at +12% 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 54 days — a 3% lower offer ($306k) is reasonable based on typical stale-listing flexibility.
• 18 sale attempts since 15y 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.
• Current owner paid $162k; list at $315k implies a 95% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $209,323 (33.5% 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 54 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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.
7. 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.
8. 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: 0.66% ✗
• Cap rate: 4.82%
• Cash-on-cash: -5.27%
• DSCR: 0.77
• GRM: 12.5

CMA / ARV

• ARV (median comp): $320,486
• List price: $315,000
• Delta: -1.71%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 20.5%
• Equity multiple: 2.66×
• Total profit: $146,819
• Equity at exit: $283,777

10-year hold

• IRR: 18.7%
• Equity multiple: 6.12×
• Total profit: $451,668
• Equity at exit: $611,976

Cash invested: $88,200 (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 30179

• Home prices YoY: 6.7%
• Active inventory: 191
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $2,093 high
• Mortgage (P&I): −$1,652
• Tax from tax record: −$258 /mo · $3,097/yr
• Insurance: −$131
• HOA: −$0
• Vacancy / Maint / Mgmt: −$440
• Net cashflow: $-388

Break-even live

Break-even rent $2,584

Max offer price $246,528

Occupancy floor —

Sensitivity live

Price	-10% $-209	-5% $-298	+0% $-388	+5% $-477	+10% $-566
Rent	-10% $-553	-5% $-470	+0% $-388	+5% $-305	+10% $-222
Rate	-1.0pp $-229	-0.5pp $-307	base $-388	+0.5pp $-469	+1.0pp $-552

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: $78,750
• Closing costs: $9,450
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
142 Waters Edge Pkwy Temple, GA	4.0	2.5	2185	$1,999	$0.91	45d	1	0.07mi
215 Waters Edge Pkwy Temple, GA	4.0	2.5	2290	$2,099	$0.92	26d	1	0.08mi
280 Ivey Lake Pkwy Temple, GA	4.0	2.5	2210	$2,100	$0.95	45d	1	0.36mi
321 Sue Ct Temple, GA	4.0	3.0	1621	$2,111	$1.30	14d	1	0.44mi
116 Arborwood Way Temple, GA	3.0	2.0	1782	$1,905	$1.07	14d	1	0.61mi
261 Stagecoach Pass Temple, GA	3.0	2.0	2205	$1,779	$0.81	45d	1	0.77mi
121 Breckenridge Pt Temple, GA	3.0	2.0	1687	$1,800	$1.07	21d	1	1.02mi
269 Villa Rosa Way Temple, GA	3.0	2.0	1664	$1,925	$1.16	3d	1	1.33mi
186 S Red Oak Way Temple, GA	4.0	3.0	1736	$1,790	$1.03	45d	1	1.46mi
273 Patriot Dr Temple, GA	3.0	2.0	1720	$2,100	$1.22	14d	1	1.47mi

Listing history 50 events

1. 2026-06-21
   days on market $315,000 Active 54 DOM
2. 2026-06-18
   days on market $315,000 Active 51 DOM
3. 2026-06-17
   pricedays on market $315,000 Active 50 DOM
4. 2026-06-16
   days on market $317,000 Active 49 DOM

   Show marketing remark (1406 chars)

   Beautifully maintained 4-bedroom, 2.5 bath home located on a quiet culdesac street! This property offers a spacious and functional layout with upgraded features throughout. The main level includes a large kitchen with abundant cabinetry, extensive countertop space, and a neutral ceramic tile backsplash set in a classic diamond pattern. A bright breakfast area overlooking the backyard. The living room features real hardwood floors, a stone fireplace, and generous natural light. The oversized primary suite includes tray ceilings and large lightfilled windows. The ensuite bathroom offers separate hisandher vanities connected by a custom corner cabinet, the soaking tub is finished with neutral ceramic tile and a decorative accent band for a clean upgraded look, separate water closet, the tiled shower features full height ceramic tile in warm beige tones with a decorative accent detail. Secondary bedrooms are well sized and connected by a convenient Jack-n-Jill bathroom. The expansive fourth bedroom offers enough space to function as a teen suite, a large bonus room, or a shared bedroom with room for multiple beds. Exterior features include a fenced backyard, attractive landscaping, and large boulder accents in the front yard on a quiet cul-de-sac street offering privacy while remaining close to local conveniences. This home has been well cared for and thoughtfully upgraded throughout.

5. 2026-06-15
   days on market $317,000 Active 48 DOM
6. 2026-06-13
   days on market $317,000 Active 46 DOM
7. 2026-06-09
   days on market $317,000 Active 42 DOM
8. 2026-06-08
   days on market $317,000 Active 41 DOM
9. 2026-06-07
   days on market $317,000 Active 40 DOM
10. 2026-06-04
    days on market $317,000 Active 37 DOM
11. 2026-06-03
    days on market $317,000 Active 36 DOM
12. 2026-06-02
    days on market $317,000 Active 35 DOM
13. 2026-06-01
    days on market $317,000 Active 34 DOM
14. 2026-05-31
    days on market $317,000 Active 33 DOM
15. 2026-04-28
    listed $317,000 Active 1406-char remark
16. 2026-04-15
    listed $317,000 New 1406-char remark

    Show marketing remark (1406 chars)

    Beautifully maintained 4-bedroom, 2.5 bath home located on a quiet culdesac street! This property offers a spacious and functional layout with upgraded features throughout. The main level includes a large kitchen with abundant cabinetry, extensive countertop space, and a neutral ceramic tile backsplash set in a classic diamond pattern. A bright breakfast area overlooking the backyard. The living room features real hardwood floors, a stone fireplace, and generous natural light. The oversized primary suite includes tray ceilings and large lightfilled windows. The ensuite bathroom offers separate hisandher vanities connected by a custom corner cabinet, the soaking tub is finished with neutral ceramic tile and a decorative accent band for a clean upgraded look, separate water closet, the tiled shower features full height ceramic tile in warm beige tones with a decorative accent detail. Secondary bedrooms are well sized and connected by a convenient Jack-n-Jill bathroom. The expansive fourth bedroom offers enough space to function as a teen suite, a large bonus room, or a shared bedroom with room for multiple beds. Exterior features include a fenced backyard, attractive landscaping, and large boulder accents in the front yard on a quiet cul-de-sac street offering privacy while remaining close to local conveniences. This home has been well cared for and thoughtfully upgraded throughout.

17. 2025-06-04
    historical
18. 2025-06-04
    historical
19. 2025-05-14
    status Back On Market
20. 2025-05-07
    status Under Contract
21. 2025-04-30
    listed $309,900 Active
22. 2025-03-31
    listed $309,900 New
23. 2020-06-26
    historical
24. 2020-06-25
    status Back on Market
25. 2020-06-07
    status Under Contract
26. 2020-06-05
    listed $212,000 New
27. 2017-03-28
    soldstatus $161,600
28. 2017-02-10
    soldstatus $161,500 Sold
29. 2017-02-10
    soldstatus $161,500 Sold
30. 2017-01-13
    status Under Contract
31. 2017-01-10
    status Back on Market
32. 2017-01-09
    historical Contingent - Due Diligence
33. 2017-01-06
    status Active
34. 2017-01-06
    historical Contingent - Due Diligence
35. 2017-01-06
    status Under Contract
36. 2016-12-24
    status Back on Market
37. 2016-12-23
    status Active
38. 2016-11-10
    historical Contingent - Due Diligence
39. 2016-11-07
    status Under Contract
40. 2016-11-03
    historical
41. 2016-11-02
    listed $169,900 New
42. 2016-10-29
    price $161,500
43. 2016-10-29
    price $161,500
44. 2016-09-21
    listed $163,500 New
45. 2016-09-21
    listed $163,500 Active
46. 2016-07-12
    historical
47. 2016-06-10
    listed $169,900 New
48. 2015-10-27
    price $123,000
49. 2014-02-20
    soldstatus $123,000
50. 2014-02-10
    soldstatus $123,000 Sold

ⓘ 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: $3,097 · $258/mo
• Projected year-2 tax: $3,097 · $258/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 5/10 Major 7 d/yr ≥102°F today · 19 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% 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: $25,119
• − Mortgage interest: −$17,645
• − Property taxes: −$3,097
• − Insurance: −$1,575
• − Repairs & maintenance: −$2,010
• − Management: −$2,010
• − Depreciation: −$9,164
• Taxable loss: −$10,381
• Est. tax savings @ 24.0%: +$2,491
• After-tax cash flow: $-2,160/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: Carroll County
• NCES district ID: 1300840
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 41% ▼ -8.00%
• Median HH income: $48,692
• Composite: 35.62/100
• National rank: #4888
• State rank: #38 of 174 in GA

Livability — Temple

• Score: 72/100
• State rank: #60
• US rank: #5802

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Temple, GA
• County: Carroll County · 124,888 people
• City population: 19,882
• Metro: Atlanta-Sandy Springs-Alpharetta, GA
• Population (ZIP): 19,882
• Household income: $76,571
• Rent vs Own: 15.1% rent · 84.9% own
• Severe rent burden: 396.0

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 123,370 people
• By 2030: 127,186 · +3.1%
• By 2040: 133,534 · +8.2%
• By 2050: 137,612 · +11.5%
• By 2075: 142,892 · +15.8%
• By 2100: 136,294 · +10.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Black 15% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Italian 1% Lithuanian 1% Serbian 1%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 4%

Political lean MEDSL · Carroll

• 2024 margin: Solid R (+41.2) · D 29.1% · R 70.3%
• 2008→2024 swing: -8.2pp toward R · 2008: -32.9pp · 2024: -41.2pp
• All cycles: 2024: R+41.2 2020: R+39.0 2016: R+40.1 2012: R+37.7 2008: R+32.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 27.16%
• Current HPI: 435.3863
• Rent YoY: —
• 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

-91.6% since first listed

49 events — show timeline

• 2026-06-16 Price Changed $315,000 GAMLS
• 2026-06-16 Price Changed $315,000 FMLS
• 2026-04-28 Listed $317,000 FMLS
• 2026-04-15 Listed $317,000 GAMLS
• 2025-06-04 Listing Removed — FMLS
• 2025-06-04 Listing Removed — GAMLS
• 2025-05-14 Relisted — GAMLS
• 2025-05-07 Pending — GAMLS
• 2025-04-30 Listed $309,900 FMLS
• 2025-03-31 Listed $309,900 GAMLS
• 2020-06-26 Listing Removed — GAMLS
• 2020-06-25 Relisted — GAMLS
• 2020-06-07 Pending — GAMLS
• 2020-06-05 Listed $212,000 GAMLS
• 2017-03-28 Sold (Public Records) $161,600 Public Records
• 2017-02-10 Sold (MLS) $161,500 GAMLS
• 2017-02-10 Sold (MLS) $161,500 FMLS
• 2017-01-13 Pending — GAMLS
• 2017-01-10 Relisted — GAMLS
• 2017-01-09 Contingent — FMLS
• 2017-01-06 Relisted — FMLS
• 2017-01-06 Contingent — FMLS
• 2017-01-06 Pending — GAMLS
• 2016-12-24 Relisted — GAMLS
• 2016-12-23 Relisted — FMLS
• 2016-11-10 Contingent — FMLS
• 2016-11-07 Pending — GAMLS
• 2016-11-03 Listing Removed — GAMLS
• 2016-11-02 Listed $169,900 GAMLS
• 2016-10-29 Price Changed $161,500 GAMLS
• 2016-10-29 Price Changed $161,500 FMLS
• 2016-09-21 Listed $163,500 GAMLS
• 2016-09-21 Listed $163,500 FMLS
• 2016-07-12 Listing Removed — GAMLS
• 2016-06-10 Listed $169,900 GAMLS
• 2015-10-27 Price Changed $123,000 GAMLS
• 2014-02-20 Sold (Public Records) $123,000 Public Records
• 2014-02-10 Sold (MLS) $123,000 GAMLS
• 2014-01-26 Listing Removed — GAMLS
• 2014-01-26 Price Changed $134,900 GAMLS
• 2013-12-20 Contingent — GAMLS
• 2013-07-25 Price Changed $134,900 GAMLS
• 2013-01-28 Listed $139,900 GAMLS
• 2012-10-21 Listing Removed — GAMLS
• 2012-02-13 Relisted — GAMLS
• 2012-01-25 Listing Removed — GAMLS
• 2011-11-09 Price Changed $139,900 GAMLS
• 2011-10-26 Listed $145,000 GAMLS
• 2005-12-09 Sold (Public Records) $3,742,500 Public Records

Property tax history

+2.9%/yr

Latest (2024): $3,097 · +4.8% YoY. Source: county tax records.