124 Pin Oak Trl NW #97 · Milledgeville, GA 31061

$154,900

3 bd · 2.5 ba · 1,560 sqft · Townhouse · 92 Days on market

Built 2024 Good condition 2,178 sqft lot $99/sqft · 31% below area Est $223k · 31% under $68/mo HOA · 4% of rent ↓ 28% since listing

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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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.9/10.0
• Condition / age +4.0/5.0
• Rent growth +3.5/5.0
• Livability +3.4/5.0
• Schools +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

24 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft., this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

Key facts

• Nearby parks
• Lake sinclair
• $68 HOA

Tags

• OPEN CONCEPT GREAT ROOM
• NEARBY PARKS
• LAKE SINCLAIR

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $155k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $197 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $141k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 3.3% in Milledgeville — 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 68/100 on livability (#134 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: amenities D+, crime F, commute F.
• Baldwin County (town): math 13% / reading 20% proficiency, ranked #152 of 174 in GA (top 87%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Oak Hill Ms (math 13% / reading 24%, grade F, #372 of 470 statewide, top 80%, 986 students, 89% FRL); Baldwin High School (math 10% / reading 21%, grade F, #290 of 424 statewide, top 69%, 1,311 students, 89% FRL) — zoned schools average 89% FRL vs 72% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.0%/yr); 380 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 202 units permitted in Baldwin County in 2024 (12 in 5+ unit buildings).
• This rent runs 37% of the median local income ($54k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Baldwin County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 92 days — a 9% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 20 sale attempts; this cycle's ask has dropped $30k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 57% 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 $140,959 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.09% ✓
• Cap rate: 7.82%
• Cash-on-cash: 5.45%
• DSCR: 1.24
• GRM: 7.6

CMA / ARV

• ARV (median comp): $223,179
• List price: $154,900
• Delta: -30.59%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
130 Pin Oak Trl	0.02mi	3/2.5	1,560 (0%)	0mo	$159,900	$103	99
130 Pin Oak Trl NW #95	0.02mi	3/2.5	1,560 (0%)	0mo	$159,900	$103	99
140 Pin Oak Trl	0.02mi	3/2.5	1,560 (0%)	1mo	$159,900	$103	98
135 Pin Oak Trl	0.03mi	3/2.5	1,560 (0%)	1mo	$159,900	$103	98
410 Oakwood Dr NW #84	0.06mi	3/2.5	1,560 (0%)	1mo	$150,000	$96	96
418 Oakwood Dr	0.06mi	3/2.5	1,560 (0%)	1mo	$157,700	$101	96
126 Red Oak Trl	0.12mi	3/2.5	1,560 (0%)	1mo	$150,000	$96	93

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 · 4.05% rent growth · sell at horizon

5-year hold

• IRR: -6.6%
• Equity multiple: 0.75×
• Total profit: $-10,684
• Equity at exit: $23,096

10-year hold

• IRR: 4.4%
• Equity multiple: 1.34×
• Total profit: $14,688
• Equity at exit: $13,393

Cash invested: $43,372 (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 31061

• Home prices YoY: -29.9%
• Rents YoY: 4.0%
• Active inventory: 380
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,690 high
• Mortgage (P&I): −$812
• Tax est. 1.5%: −$194 /mo · $2,324/yr
• Insurance: −$65
• HOA: −$68
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $197

Break-even live

Break-even rent $1,441

Max offer price $154,900

Occupancy floor 83%

Sensitivity live

Price	-10% $304	-5% $250	+0% $197	+5% $143	+10% $90
Rent	-10% $63	-5% $130	+0% $197	+5% $264	+10% $331
Rate	-1.0pp $275	-0.5pp $236	base $197	+0.5pp $157	+1.0pp $116

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: $38,725
• Closing costs: $4,647
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
302 Oakwood Dr NW Milledgeville, GA	3.0	2.5	1538	$1,684	$1.09	45d	1	0.05mi
274 Oakwood Dr NW Milledgeville, GA	3.0	2.5	1538	$1,734	$1.13	45d	1	0.08mi
425 Oakwood Dr NW Milledgeville, GA	3.0	2.5	1538	$1,684	$1.09	45d	1	0.08mi
454 Oakwood Dr NW Milledgeville, GA	3.0	2.5	1538	$1,950	$1.27	45d	1	0.10mi
261 Oakwood Dr NW Milledgeville, GA	3.0	2.5	1538	$1,684	$1.09	45d	1	0.11mi
146 Cypress Oak Trl NW Milledgeville, GA	2.0	2.0	1351	$1,595	$1.18	45d	1	0.22mi
180 Milledge Commons Dr NE Milledgeville, GA	3.0	2.5	1381	$1,800	$1.30	45d	1	0.92mi
162 Milledge Commons Dr NE Milledgeville, GA	3.0	2.5	1381	$1,800	$1.30	45d	1	0.94mi
109 Milledge Commons Dr Milledgeville, GA	3.0	2.5	1895	$2,100	$1.11	45d	1	1.03mi

HOA detail

• Monthly dues: $68 · $816/yr

Listing history 48 events

1. 2026-05-16
   status Under Contract 1333-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

2. 2026-05-16
   historical Active Under Contract 1335-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

3. 2026-04-29
   price $154,900 1333-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

4. 2026-04-29
   price $154,900 1335-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

5. 2026-03-25
   price $159,900 1333-char remark

   Show marketing remark (1333 chars)

   24 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft., this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

6. 2026-03-24
   price $159,900 1335-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

7. 2026-02-28
   price $174,900 1333-char remark

   Show marketing remark (1333 chars)

   24 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft., this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

8. 2026-02-27
   price $174,900 1335-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

9. 2026-02-12
   listed $184,500 New 1333-char remark

   Show marketing remark (1335 chars)

   124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

10. 2026-02-12
    listed $184,500 Active 1335-char remark

    Show marketing remark (1335 chars)

    124 Pin Oak Trail NW, Milledgeville, GA. is a beautifully designed 2024 built townhome offering modern style, comfort, and convenience. With 1560 sq. ft. , this three bedroom, 2.5 bath home features an attached one-car garage and an open-concept layout perfect for today's lifestyle. The main level showcases a spacious great room that flows seamlessly into the kitchen and dining area. The kitchen is well-appointed with granite countertop, a large island ideal for gathering and meal prep, pantry, stove, dishwasher, and microwave - making both everyday living and entertaining effortless. Upstairs the primary suite offers a private retreat with an en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. The conveniently located upper-level laundry area adds ease to your daily routine. this home is just minutes from Milledgeville's local dining, shopping, and entertainment. Outdoor enthusiasts will love the nearby Oconee River and Lake Sinclair for boating, fishing and recreation. Offered at a fantastic price, this home may qualify for VA and USDA financing, allowing eligible buyers to take advantage of no down payment options. Don't miss this opportunity to own a like-new home in a prime location! Some of the images in this listing have been virtually staged.

11. 2025-11-18
    historical
12. 2025-11-18
    historical
13. 2025-10-24
    listed $215,900 New
14. 2025-10-24
    listed $215,900 Active
15. 2025-10-23
    historical
16. 2025-10-23
    historical
17. 2025-10-02
    listed $215,900 New
18. 2025-10-02
    listed $215,900 Active
19. 2025-09-30
    historical
20. 2025-09-29
    historical
21. 2025-09-16
    listed $215,900 Active
22. 2025-09-15
    historical
23. 2025-09-15
    historical
24. 2025-09-04
    listed $215,900 Active
25. 2025-09-02
    listed $215,900 New
26. 2025-09-02
    listed $215,900 New
27. 2025-09-01
    historical
28. 2025-09-01
    historical
29. 2025-08-18
    listed $215,900 New
30. 2025-08-18
    listed $215,900 Active
31. 2025-08-14
    historical
32. 2025-08-14
    historical
33. 2025-08-07
    listed $215,900 Active
34. 2025-08-06
    historical
35. 2025-08-06
    historical
36. 2025-07-30
    listed $215,900 Active
37. 2025-07-29
    historical
38. 2025-07-29
    historical
39. 2025-07-22
    listed $215,900 Active
40. 2025-07-19
    historical
41. 2025-07-19
    historical
42. 2025-07-15
    price $215,900
43. 2025-07-15
    price $215,900
44. 2025-06-28
    listed $222,000 Active
45. 2025-06-27
    listed $215,900 New
46. 2025-06-27
    listed $215,900 New
47. 2025-06-27
    listed $215,900 New
48. 2025-06-27
    listed $222,000 New

ⓘ 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 7/10 Severe 7 d/yr ≥109°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 57% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,285
• − Mortgage interest: −$8,677
• − Property taxes: −$2,324
• − Insurance: −$774
• − Repairs & maintenance: −$1,623
• − Management: −$1,623
• − HOA: −$816
• − Depreciation: −$4,506
• Taxable loss: −$57
• Est. tax savings @ 24.0%: +$14
• After-tax cash flow: $2,377/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This 2024 built townhome is in good condition with a fresh paint job and modern finishes. It offers a good investment opportunity with potential for rental or resale value increase.

Value-add opportunities

• Both Painting exterior siding — Enhances curb appeal and value
• Both Landscaping — Improves curb appeal and enhances property value
• Both Replace carpet with hardwood flooring — Increases rental value and enhances curb appeal

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior siding — Enhances curb appeal and value ↑
• Both Landscaping — Improves curb appeal and enhances property value ↑
• Both Replace carpet with hardwood flooring — Increases rental value and enhances curb appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Baldwin County
• NCES district ID: 1300210
• Math proficiency: 13% ▼ -8.00%
• Reading proficiency: 20% ▼ -5.00%
• Median HH income: $35,615
• Composite: 13.61/100
• National rank: #9508
• State rank: #152 of 174 in GA

Livability — Milledgeville

• Score: 68/100
• State rank: #134
• US rank: #9206

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Baldwin County · 41,764 people
• City population: 41,764
• Metro: Milledgeville, GA
• Population (ZIP): 41,764
• Household income: $54,263
• Rent vs Own: 40.6% rent · 59.4% own
• Severe rent burden: 1630.0

Population outlook (Baldwin County) Hauer SSP2

• Today (2025): 45,602 people
• By 2030: 45,481 · -0.3%
• By 2040: 44,310 · -2.8%
• By 2050: 42,129 · -7.6%
• By 2075: 36,819 · -19.3%
• By 2100: 29,320 · -35.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 51% Black 43% Hispanic / Latino 3% Two or more races 3% Asian 2%
• Common ancestry: Slovak 1% Serbian 1% Italian 1%
• Foreign-born: 3% · Canada, South Korea
• Languages at home: 96% English-only · Spanish 2% Korean 1%

Political lean MEDSL · Baldwin

• 2024 margin: Toss-up / Even · D 48.6% · R 50.9%
• 2008→2024 swing: -6.8pp toward R · 2008: 4.6pp · 2024: -2.2pp
• All cycles: 2024: R+2.2 2020: D+1.3 2016: D+1.7 2012: D+5.5 2008: D+4.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -103.16%
• Current HPI: 241.3758
• Rent YoY: ▲ 4.05%
• Metro: Milledgeville, 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

-28.3% since first listed

48 events — show timeline

• 2026-05-16 Pending — GAMLS
• 2026-05-16 Contingent — MGMLS
• 2026-04-29 Price Changed $154,900 GAMLS
• 2026-04-29 Price Changed $154,900 MGMLS
• 2026-03-25 Price Changed $159,900 GAMLS
• 2026-03-24 Price Changed $159,900 MGMLS
• 2026-02-28 Price Changed $174,900 GAMLS
• 2026-02-27 Price Changed $174,900 MGMLS
• 2026-02-12 Listed $184,500 MGMLS
• 2026-02-12 Listed $184,500 GAMLS
• 2025-11-18 Listing Removed — FMLS
• 2025-11-18 Listing Removed — GAMLS
• 2025-10-24 Listed $215,900 FMLS
• 2025-10-24 Listed $215,900 GAMLS
• 2025-10-23 Listing Removed — FMLS
• 2025-10-23 Listing Removed — GAMLS
• 2025-10-02 Listed $215,900 FMLS
• 2025-10-02 Listed $215,900 GAMLS
• 2025-09-30 Listing Removed — GAMLS
• 2025-09-29 Listing Removed — FMLS
• 2025-09-16 Listed $215,900 FMLS
• 2025-09-15 Listing Removed — FMLS
• 2025-09-15 Listing Removed — GAMLS
• 2025-09-04 Listed $215,900 FMLS
• 2025-09-02 Listed $215,900 GAMLS
• 2025-09-02 Listed $215,900 GAMLS
• 2025-09-01 Listing Removed — FMLS
• 2025-09-01 Listing Removed — GAMLS
• 2025-08-18 Listed $215,900 FMLS
• 2025-08-18 Listed $215,900 GAMLS
• 2025-08-14 Listing Removed — GAMLS
• 2025-08-14 Listing Removed — FMLS
• 2025-08-07 Listed $215,900 FMLS
• 2025-08-06 Listing Removed — FMLS
• 2025-08-06 Listing Removed — GAMLS
• 2025-07-30 Listed $215,900 FMLS
• 2025-07-29 Listing Removed — FMLS
• 2025-07-29 Listing Removed — GAMLS
• 2025-07-22 Listed $215,900 FMLS
• 2025-07-19 Listing Removed — FMLS
• 2025-07-19 Listing Removed — GAMLS
• 2025-07-15 Price Changed $215,900 FMLS
• 2025-07-15 Price Changed $215,900 GAMLS
• 2025-06-28 Listed $222,000 FMLS
• 2025-06-27 Listed $222,000 GAMLS
• 2025-06-27 Listed $215,900 GAMLS
• 2025-06-27 Listed $215,900 GAMLS
• 2025-06-27 Listed $215,900 GAMLS