86 Bluff View Cir · Chattanooga Valley, GA 30725

$169,500

3 bd · 2.0 ba · 1,100 sqft · SingleFamily public records · 48 Days on market

Built 1997 0.39 ac lot $154/sqft · 22% below area Est $217k · 22% under

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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 +25.0/30.0
• ARV discount +15.0/15.0
• DSCR +8.2/10.0
• 1% rule +5.9/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

* AS IS * LISTING Bring your vision and your DIY attitude! This As-Is property is packed with potential for the right buyer. With an estimated MINIMUM After Repair Value of $234,000, this is a strong opportunity for buyers looking to renovate and build equity. Property is clean and currently occupied. Whether you're considering conventional financing (subject to lender approval), a renovation loan, private financing, or cash, this property offers an opportunity to create value and make it your own. Buyers should verify financing eligibility with their lender. The home features a 3-bedroom layout with the primary suite positioned separately from the other two bedrooms, offering a desirable split floor plan. Located in a peaceful setting within walking distance to local schools, the property offers a balance of privacy and convenience. A unique value-add feature is the large climate-controlled flex space adjacent to the home, currently serving as the laundry area. It is only accessible via separate entrances at this time; however, adding a doorway from the kitchen could seamlessly incorporate this space into the main living area--creating additional square footage and flexible use options such as a bonus room, office, or expanded living space. Seller will make no repairs. Opportunities for improvement include doors, windows, flooring, cabinetry, interior paint, deck repair/replacement, and a few minor electrical repairs. A great chance to build sweat equity and make it your own.

Key facts

• Split floor plan
• Separate entrances
• 0.39 acre lot

Tags

• CLIMATE CONTROLLED FLEX SPACE
• SEPARATE ENTRANCES
• SPLIT FLOOR PLAN

Property features AI

Exterior

• Parking: Driveway; Open parking available
• Utilities: Public water; Septic tank; Electricity (110 volts); Electricity available; Water available
• Home design: One level; Resale property
• Construction: Frame construction with vinyl siding; Shingle roof; Block foundation
• Exterior features: Deck; Accessible approach with ramp; Paved road frontage on a county road

Interior

• Kitchen: Eat-in kitchen; Stained cabinets; Pantry; Dishwasher; Electric range; Refrigerator
• Bedrooms: Three main-level bedrooms; Split bedroom plan
• Flooring: Other
• Bathrooms: Two full bathrooms; Master bathroom with double vanity
• Heating & cooling: Central heating; Central air
• Interior features: Double vanity; No common walls; Attic
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $371 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $164k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 4.7% in Chattanooga Valley — 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 58/100 on livability (#427 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A-, housing B+; Watch: amenities F, commute F, employment F.
• Walker County (rural): math 25% / reading 29% proficiency, ranked #114 of 174 in GA (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Chattanooga Valley Elementary School (math 33% / reading 40%, grade F, #509 of 1,228 statewide, top 42%, 462 students, 65% FRL); Chattanooga Valley Middle School (math 33% / reading 40%, grade F, #167 of 470 statewide, top 38%, 491 students, 67% FRL); Ridgeland High School (math 23% / reading 19%, grade F, #225 of 424 statewide, top 54%, 1,244 students, 70% FRL).
• Market conditions: 37 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 347 units permitted in Walker County in 2024 (24 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Walker County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
• 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 $110k; list at $170k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,415 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.09% ✓
• Cap rate: 8.92%
• Cash-on-cash: 9.37%
• DSCR: 1.42
• GRM: 7.6

CMA / ARV

• ARV (median comp): $217,472
• List price: $169,500
• Delta: -22.06%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -2.2%
• Equity multiple: 0.92×
• Total profit: $-3,883
• Equity at exit: $25,273

10-year hold

• IRR: 7.5%
• Equity multiple: 1.57×
• Total profit: $26,926
• Equity at exit: $14,655

Cash invested: $47,460 (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 30725

• Home prices YoY: -4.5%
• Active inventory: 37
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,850 medium
• Mortgage (P&I): −$889
• Tax from tax record: −$131 /mo · $1,577/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $371

Break-even live

Break-even rent $1,381

Max offer price $169,500

Occupancy floor 75%

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: $42,375
• Closing costs: $5,085
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
33 Brumby Rd Flintstone, GA	3.0	2.0	1371	$1,850	$1.35	44d	1	0.59mi

Listing history 19 events

1. 2026-06-18
   days on market $169,500 Active 48 DOM
2. 2026-06-17
   days on market $169,500 Active 47 DOM
3. 2026-06-16
   days on market $169,500 Active 46 DOM
4. 2026-06-15
   days on market $169,500 Active 45 DOM
5. 2026-06-14
   days on market $169,500 Active 43 DOM
6. 2026-06-13
   days on market $169,500 Active 42 DOM
7. 2026-06-10
   days on market $169,500 Active 40 DOM
8. 2026-06-09
   days on market $169,500 Active 39 DOM
9. 2026-06-08
   days on market $169,500 Active 38 DOM
10. 2026-06-07
    days on market $169,500 Active 37 DOM
11. 2026-06-05
    days on market $169,500 Active 34 DOM
12. 2026-06-03
    pricedays on market $169,500 Active 33 DOM
13. 2026-06-02
    days on market $170,000 Active 32 DOM

    Show marketing remark (1505 chars)

    * AS IS * LISTING Bring your vision and your DIY attitude! This As-Is property is packed with potential for the right buyer. With an estimated MINIMUM After Repair Value of $234,000, this is a strong opportunity for buyers looking to renovate and build equity. Property is clean and currently occupied. Whether you're considering conventional financing (subject to lender approval), a renovation loan, private financing, or cash, this property offers an opportunity to create value and make it your own. Buyers should verify financing eligibility with their lender. The home features a 3-bedroom layout with the primary suite positioned separately from the other two bedrooms, offering a desirable split floor plan. Located in a peaceful setting within walking distance to local schools, the property offers a balance of privacy and convenience. A unique value-add feature is the large climate-controlled flex space adjacent to the home, currently serving as the laundry area. It is only accessible via separate entrances at this time; however, adding a doorway from the kitchen could seamlessly incorporate this space into the main living area--creating additional square footage and flexible use options such as a bonus room, office, or expanded living space. Seller will make no repairs. Opportunities for improvement include doors, windows, flooring, cabinetry, interior paint, deck repair/replacement, and a few minor electrical repairs. A great chance to build sweat equity and make it your own.

14. 2026-06-01
    days on market $170,000 Active 31 DOM
15. 2026-05-31
    days on market $170,000 Active 30 DOM
16. 2026-05-30
    days on market $170,000 Active 29 DOM
17. 2026-04-30
    listed $170,000 Active 1407-char remark

    Show marketing remark (1505 chars)

    * AS IS * LISTING Bring your vision and your DIY attitude! This As-Is property is packed with potential for the right buyer. With an estimated MINIMUM After Repair Value of $234,000, this is a strong opportunity for buyers looking to renovate and build equity. Property is clean and currently occupied. Whether you're considering conventional financing (subject to lender approval), a renovation loan, private financing, or cash, this property offers an opportunity to create value and make it your own. Buyers should verify financing eligibility with their lender. The home features a 3-bedroom layout with the primary suite positioned separately from the other two bedrooms, offering a desirable split floor plan. Located in a peaceful setting within walking distance to local schools, the property offers a balance of privacy and convenience. A unique value-add feature is the large climate-controlled flex space adjacent to the home, currently serving as the laundry area. It is only accessible via separate entrances at this time; however, adding a doorway from the kitchen could seamlessly incorporate this space into the main living area--creating additional square footage and flexible use options such as a bonus room, office, or expanded living space. Seller will make no repairs. Opportunities for improvement include doors, windows, flooring, cabinetry, interior paint, deck repair/replacement, and a few minor electrical repairs. A great chance to build sweat equity and make it your own.

18. 2026-04-30
    listed $170,000 Active 1395-char remark

    Show marketing remark (1505 chars)

    * AS IS * LISTING Bring your vision and your DIY attitude! This As-Is property is packed with potential for the right buyer. With an estimated MINIMUM After Repair Value of $234,000, this is a strong opportunity for buyers looking to renovate and build equity. Property is clean and currently occupied. Whether you're considering conventional financing (subject to lender approval), a renovation loan, private financing, or cash, this property offers an opportunity to create value and make it your own. Buyers should verify financing eligibility with their lender. The home features a 3-bedroom layout with the primary suite positioned separately from the other two bedrooms, offering a desirable split floor plan. Located in a peaceful setting within walking distance to local schools, the property offers a balance of privacy and convenience. A unique value-add feature is the large climate-controlled flex space adjacent to the home, currently serving as the laundry area. It is only accessible via separate entrances at this time; however, adding a doorway from the kitchen could seamlessly incorporate this space into the main living area--creating additional square footage and flexible use options such as a bonus room, office, or expanded living space. Seller will make no repairs. Opportunities for improvement include doors, windows, flooring, cabinetry, interior paint, deck repair/replacement, and a few minor electrical repairs. A great chance to build sweat equity and make it your own.

19. 2018-09-18
    soldstatus $109,900

    Show marketing remark (329 chars)

    Beautiful ranch home located in Bluff View. Large living room! Kitchen boasts stained cabinets with tons of storage, eat-in breakfast area and tons of natural light! Master bedroom with private bath! 2 secondary bedrooms share a full bath! Spacious deck overlooks large backyard. Don't miss out! Show and submit your offer today.

ⓘ 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: $1,577 · $131/mo
• Projected year-2 tax: $1,577 · $131/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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,200
• − Mortgage interest: −$9,495
• − Property taxes: −$1,577
• − Insurance: −$848
• − Repairs & maintenance: −$1,776
• − Management: −$1,776
• − Depreciation: −$4,931
• Taxable income: $1,798
• Est. tax owed @ 24.0%: −$432
• After-tax cash flow: $4,016/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: Walker County
• NCES district ID: 1305370
• Math proficiency: 25% ▼ -10.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $39,889
• Composite: 22.74/100
• National rank: #8035
• State rank: #114 of 174 in GA

Livability — Chattanooga Valley

• Score: 58/100
• State rank: #427
• US rank: #20953

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chattanooga Valley, GA
• City population: 5,188
• Population (ZIP): 5,188

Population outlook (Walker County) Hauer SSP2

• Today (2025): 66,050 people
• By 2030: 64,305 · -2.6%
• By 2040: 60,127 · -9.0%
• By 2050: 55,551 · -15.9%
• By 2075: 44,886 · -32.0%
• By 2100: 34,015 · -48.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Two or more races 3% Black 2%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Italian 4% Slovak 4% Iranian 2%
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+59.3) · D 20.1% · R 79.4%
• 2008→2024 swing: -12.5pp toward R · 2008: -46.8pp · 2024: -59.3pp
• All cycles: 2024: R+59.3 2020: R+59.3 2016: R+61.5 2012: R+50.2 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -12.59%
• Current HPI: 266.9059
• 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

+54.2% since first listed

5 events — show timeline

• 2026-06-03 Price Changed $169,500 FMLS
• 2026-06-02 Price Changed $169,500 GCAR
• 2026-04-30 Listed $170,000 GCAR
• 2026-04-30 Listed $170,000 FMLS
• 2018-09-18 Sold (MLS) $109,900 GCAR

Property tax history

+5.8%/yr

Latest (2025): $1,577 · +3.9% YoY. Source: county tax records.