1413 Whiting Rd · Lavonia, GA 30553

$125,000

2 bd · 1.0 ba · 792 sqft · SingleFamily public records · 82 Days on market

Built 1978 4.40 ac lot $158/sqft · 20% below area Est $157k · 20% 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 +19.6/30.0
• ARV discount +15.0/15.0
• DSCR +6.2/10.0
• 1% rule +5.2/10.0
• Livability +3.1/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Escape to your own private 4.40 acre retreat in Northeast Georgia, located at 1413 Whiting Road in Lavonia. Surrounded by mature trees and natural landscape, this property offers a peaceful setting with a blend of wooded privacy and usable space-ideal for a future homesite, weekend getaway, or investment opportunity. An existing cabin is currently on site, equipped with a bedroom, kitchen, bathroom, and laundry setup. With utilities, water filtration, and security cameras already in place and functioning, this property offers added flexibility for immediate use while you plan for the future. This is a rare opportunity to take advantage of the location, space, and versatility this property provides, with potential for renovation, repurposing , or removal depending on your vision. An established driveway provides easy access to and from the property, while still maintaining a private, tuck-away feel. Conveniently located near I-85, Lake Hartwell, and local amenities, you can enjoy the balance of accessibility and country living. Whether you're looking to build, invest, or create your own private escape, this property offers the space and setting to make it your own. Shown by APPOINTMENT ONLY! CASH ONLY!

Key facts

• Country kitchen
• Open space
• Screen porches

Tags

• PRIVATE 4.40 ACRE LOT
• COUNTRY KITCHEN
• SCREEN PORCHES
• WATER FILTRATION SYSTEM
• MATURE TREES
• OPEN SPACE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $144 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $118k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 2.4% in Lavonia — 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 62/100 on livability (#320 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B; Watch: schools F, crime F, amenities F.
• Franklin County (rural): math 38% / reading 35% proficiency, ranked #61 of 174 in GA (top 35%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 144 active listings in the ZIP; 163 units permitted in Franklin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 82 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $117,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 82 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — 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. 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?
6. Crime grade is F 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?
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: 1.02% ✓
• Cap rate: 7.68%
• Cash-on-cash: 4.95%
• DSCR: 1.22
• GRM: 8.2

CMA / ARV

• ARV (median comp): $156,689
• List price: $125,000
• Delta: -20.22%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -8.6%
• Equity multiple: 0.68×
• Total profit: $-11,043
• Equity at exit: $18,638

10-year hold

• IRR: 0.9%
• Equity multiple: 1.07×
• Total profit: $2,300
• Equity at exit: $10,808

Cash invested: $35,000 (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 30553

• Home prices YoY: -7.0%
• Active inventory: 144
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,276 medium
• Mortgage (P&I): −$656
• Tax est. 1.5%: −$156 /mo · $1,875/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $144

Break-even live

Break-even rent $1,093

Max offer price $125,000

Occupancy floor 84%

Sensitivity live

Price	-10% $231	-5% $188	+0% $144	+5% $101	+10% $58
Rent	-10% $44	-5% $94	+0% $144	+5% $195	+10% $245
Rate	-1.0pp $207	-0.5pp $176	base $144	+0.5pp $112	+1.0pp $79

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-16
   status $125,000 Under Contract 82 DOM
2. 2026-06-15
   days on market $125,000 Active 82 DOM
3. 2026-06-14
   days on market $125,000 Active 80 DOM
4. 2026-06-12
   days on market $125,000 Active 79 DOM
5. 2026-06-09
   days on market $125,000 Active 76 DOM
6. 2026-06-08
   days on market $125,000 Active 75 DOM
7. 2026-06-07
   days on market $125,000 Active 74 DOM
8. 2026-06-07
   days on market $125,000 Active 73 DOM
9. 2026-06-03
   days on market $125,000 Active 70 DOM
10. 2026-06-02
    days on market $125,000 Active 69 DOM
11. 2026-06-01
    days on market $125,000 Active 68 DOM
12. 2026-05-31
    days on market $125,000 Active 67 DOM
13. 2026-05-31
    days on market $125,000 Active 66 DOM
14. 2026-03-19
    listed $130,000 New 1223-char remark

    Show marketing remark (1223 chars)

    Escape to your own private 4.40 acre retreat in Northeast Georgia, located at 1413 Whiting Road in Lavonia. Surrounded by mature trees and natural landscape, this property offers a peaceful setting with a blend of wooded privacy and usable space-ideal for a future homesite, weekend getaway, or investment opportunity. An existing cabin is currently on site, equipped with a bedroom, kitchen, bathroom, and laundry setup. With utilities, water filtration, and security cameras already in place and functioning, this property offers added flexibility for immediate use while you plan for the future. This is a rare opportunity to take advantage of the location, space, and versatility this property provides, with potential for renovation, repurposing , or removal depending on your vision. An established driveway provides easy access to and from the property, while still maintaining a private, tuck-away feel. Conveniently located near I-85, Lake Hartwell, and local amenities, you can enjoy the balance of accessibility and country living. Whether you're looking to build, invest, or create your own private escape, this property offers the space and setting to make it your own. Shown by APPOINTMENT ONLY! CASH ONLY!

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% 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: $15,314
• − Mortgage interest: −$7,002
• − Property taxes: −$1,875
• − Insurance: −$625
• − Repairs & maintenance: −$1,225
• − Management: −$1,225
• − Depreciation: −$3,636
• Taxable loss: −$274
• Est. tax savings @ 24.0%: +$66
• After-tax cash flow: $1,798/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: Franklin County
• NCES district ID: 1302250
• Math proficiency: 38% ▼ -1.00%
• Reading proficiency: 35% ▼ -3.00%
• Median HH income: $35,985
• Composite: 30.28/100
• National rank: #6281
• State rank: #61 of 174 in GA

Livability — Lavonia

• Score: 62/100
• State rank: #320
• US rank: #17187

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 8,454

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 22,625 people
• By 2030: 22,725 · +0.4%
• By 2040: 22,806 · +0.8%
• By 2050: 22,713 · +0.4%
• By 2075: 22,514 · -0.5%
• By 2100: 20,768 · -8.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 11% Hispanic / Latino 9% Two or more races 9%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Serbian 2% Slovak 2% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 89% English-only · Spanish 8% Other Asian/Pacific 1%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+72.6) · D 13.6% · R 86.2%
• 2008→2024 swing: -21.1pp toward R · 2008: -51.5pp · 2024: -72.6pp
• All cycles: 2024: R+72.6 2020: R+69.5 2016: R+68.6 2012: R+59.5 2008: R+51.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.92%
• Current HPI: 385.1997
• 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

1 event — show timeline

• 2026-03-19 Listed $130,000 GAMLS

Property tax history

+4.8%/yr

Latest (2025): $242 · +49.8% YoY. Source: county tax records.