41 Sutton Ct · St. Marys, GA 31569

$165,000

2 bd · 1.0 ba · 672 sqft · SingleFamily public records · 67 Days on market

Built 1960 0.28 ac lot $246/sqft · 142% above area

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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 +13.6/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• DSCR +4.1/10.0
• 1% rule +3.8/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Recently remodeled tiny home in the fishing village of Harriet’s Bluff—just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options—buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

Key facts

• 0.28 acre lot
• Built 1960
• Listed 66 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $10 ($115/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 $146k (11.8% below list).
• Recommended offer: $146k (11.8% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 2.9% in St. Marys — 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.
• Camden County (town): math 56% / reading 54% proficiency, ranked #9 of 174 in GA (top 5%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Camden County High School (math 47% / reading 47%, grade D-, #37 of 424 statewide, top 9%, 2,673 students, 40% FRL) — zoned schools at 40% FRL track the district average.
• Market conditions: 116 active listings in the ZIP; 383 units permitted in Camden County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $16k appreciation (10.0% local appreciation)).
• Camden County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $46k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 67 days — a 6% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $35k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $50k; list at $165k implies a 230% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,547 (11.8% below list)

Questions for the listing agent

1. It's been on market 67 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 1960 — 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: 0.88% ✗
• Cap rate: 6.36%
• Cash-on-cash: 0.25%
• DSCR: 1.01
• GRM: 9.4

CMA / ARV

• ARV (median comp): $68,079
• List price: $165,000
• Delta: 142.37%
• Verdict: OVERPRICED
• Comps: 2 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
580 Pelican Cir	0.47mi	3/1.0 (+1)	720 (+7%)	7mo	$55,000	$76	56

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: 24.5%
• Equity multiple: 2.96×
• Total profit: $90,493
• Equity at exit: $148,645

10-year hold

• IRR: 21.6%
• Equity multiple: 6.76×
• Total profit: $266,053
• Equity at exit: $320,559

Cash invested: $46,200 (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 31569

• Home prices YoY: 6.7%
• Active inventory: 116
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,455 medium
• Mortgage (P&I): −$865
• Tax est. 1.5%: −$206 /mo · $2,475/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $10

Break-even live

Break-even rent $1,443

Max offer price $165,000

Occupancy floor 94%

Sensitivity live

Price	-10% $124	-5% $67	+0% $10	+5% $-47	+10% $-104
Rent	-10% $-105	-5% $-48	+0% $10	+5% $67	+10% $125
Rate	-1.0pp $93	-0.5pp $52	base $10	+0.5pp $-33	+1.0pp $-77

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $165,000 Active 67 DOM
2. 2026-06-18
   days on market $165,000 Active 64 DOM
3. 2026-06-17
   days on market $165,000 Active 63 DOM
4. 2026-06-16
   days on market $165,000 Active 62 DOM
5. 2026-06-15
   days on market $165,000 Active 61 DOM
6. 2026-06-13
   days on market $165,000 Active 59 DOM
7. 2026-06-13
   days on market $165,000 Active 58 DOM
8. 2026-06-09
   days on market $165,000 Active 55 DOM
9. 2026-06-08
   days on market $165,000 Active 54 DOM
10. 2026-06-07
    days on market $165,000 Active 53 DOM
11. 2026-06-05
    days on market $165,000 Active 50 DOM
12. 2026-06-03
    days on market $165,000 Active 49 DOM
13. 2026-06-02
    days on market $165,000 Active 48 DOM
14. 2026-06-01
    days on market $165,000 Active 47 DOM
15. 2026-05-31
    days on market $165,000 Active 46 DOM
16. 2026-05-07
    price $174,900 990-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

17. 2026-05-07
    price $174,900 972-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

18. 2026-04-24
    price $189,900 990-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

19. 2026-04-24
    price $189,900 972-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

20. 2026-04-24
    price $189,000 990-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

21. 2026-04-24
    price $189,000 972-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

22. 2026-04-16
    listed $200,000 Active 990-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

23. 2026-04-16
    listed $200,000 New 972-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

24. 2026-04-10
    historical $200,000 972-char remark

    Show marketing remark (972 chars)

    Recently remodeled tiny home in the fishing village of Harriet's Bluff-just a short walk or bike ride to the public boat ramp. This 2-bedroom, 1-bath home is solid cinder block construction (built in 1960) and has been rewired, replumbed, and updated with a new HVAC system and tankless water heater for efficiency and peace of mind. Inside features wood-grain vinyl flooring throughout (no carpet), a fully updated bathroom with tiled shower, body jets, and modern fixtures, plus a kitchen with new refrigerator, range, and microwave. A new stacked washer and dryer is also included. Property includes a second adjacent lot with its own septic tank, and a new septic system will be installed for the main home. City water is connected. There is also an RV electrical hookup already in place. Mature trees, including a pecan tree, add to the setting. No HOA. Multiple use options-buyers should verify with Camden County for short-term rental, RV setup, or additional uses.

25. 2025-06-04
    soldstatus $50,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 53% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,466
• − Mortgage interest: −$9,243
• − Property taxes: −$2,475
• − Insurance: −$825
• − Repairs & maintenance: −$1,397
• − Management: −$1,397
• − Depreciation: −$4,800
• Taxable loss: −$2,671
• Est. tax savings @ 24.0%: +$641
• After-tax cash flow: $756/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: Camden County
• NCES district ID: 1300780
• Math proficiency: 56% ▼ -3.00%
• Reading proficiency: 54% ▼ -4.00%
• Median HH income: $51,668
• Composite: 47.1/100
• National rank: #2331
• State rank: #9 of 174 in GA

Livability — St. Marys

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

Census & demographics

• Population (ZIP): 4,998

Population outlook (Camden County) Hauer SSP2

• Today (2025): 54,358 people
• By 2030: 54,841 · +0.9%
• By 2040: 54,295 · -0.1%
• By 2050: 51,529 · -5.2%
• By 2075: 42,990 · -20.9%
• By 2100: 33,094 · -39.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 28% Two or more races 3%
• Common ancestry: Slovak 3% Lithuanian 1% Portuguese 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Camden

• 2024 margin: Solid R (+35.7) · D 31.9% · R 67.5%
• 2008→2024 swing: -12.1pp toward R · 2008: -23.5pp · 2024: -35.7pp
• All cycles: 2024: R+35.7 2020: R+30.7 2016: R+33.9 2012: R+27.7 2008: R+23.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.51%
• Current HPI: 326.5284
• Rent YoY: —
• Metro: —
• 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

+249.8% since first listed

10 events — show timeline

• 2026-05-07 Price Changed $174,900 GIAR
• 2026-05-07 Price Changed $174,900 GAMLS
• 2026-04-24 Price Changed $189,900 GIAR
• 2026-04-24 Price Changed $189,900 GAMLS
• 2026-04-24 Price Changed $189,000 GIAR
• 2026-04-24 Price Changed $189,000 GAMLS
• 2026-04-16 Listed $200,000 GIAR
• 2026-04-16 Listed $200,000 GAMLS
• 2026-04-10 Coming Soon $200,000 GAMLS
• 2025-06-04 Sold (Public Records) $50,000 Public Records

Property tax history

-3.9%/yr

Latest (2025): $248 · -0.6% YoY. Source: county tax records.