163 Heirloom Rd · Hinesville, GA 31313

$232,400

3 bd · 2.5 ba · 1,411 sqft · SingleFamily · 2 Days on market

Built 2026 4,791 sqft lot Est $257k · 10% under $100/mo HOA · 5% of rent

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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).

• Cash flow +12.4/30.0
• ARV discount +11.8/15.0
• 1% rule +4.1/10.0
• Rent growth +3.9/5.0
• DSCR +3.7/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks

New construction END UNIT townhome at Heritage Pointe townhomes in Hinesville! Located on the edge of Hinesville close to new restaurants & up-and-coming shopping! Quick commute to Ft. Stewart, Hwy 17 & I-95! 3-bedroom, 2.5-bath townhome with granite counters throughout! Open living space on the first floor with a 1-car garage, as well as a fenced backyard. The kitchen features a spacious pantry & stainless appliances including refrigerator! From the island look out to the dining area & family room with ceiling fan. Enjoy a sodded backyard with irrigation from the patio! Upstairs find two bedrooms, hall bath, laundry room & the primary suite. Within the primary

Key facts

• Spacious pantry
• Sodded backyard
• Walk-in closet

Tags

• FENCED BACKYARD
• SPACIOUS PANTRY
• STAINLESS APPLIANCES
• SODDED BACKYARD
• IRRIGATION FROM PATIO
• WALK-IN CLOSET

Property features AI

Finance

• HOA & community: Homeowners association with annual fee of $1,200 (approximately $100/month); Subdivision: Heritage Pointe

Exterior

• Parking: 1 total parking space; 1 covered space; 1-car garage with garage door opener; Driveway
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Underground utilities
• Home design: Single-family residence; Two stories; Under construction
• Construction: Vinyl siding, wood siding and frame construction; Shingle roof; Slab foundation; Built with insulation for energy efficiency
• Exterior features: Privacy fencing; Irrigation equipment; Level lot; Paved road frontage on a city street

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave; Refrigerator; Self-cleaning oven; Electric water heater
• Bedrooms: Total rooms: 6
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Entrance foyer; Kitchen island; Pantry; See remarks; Double-pane windows

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $232k.

Deal economics

• At list price, monthly cash flow is $-39 ($-462/yr) — negative.
• To cash-flow at today's rent, offer at most $227k (2.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $211k (9.2% below list).
• Recommended offer: $211k (9.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 73/100 on livability (#51 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, commute D+, crime F.
• Liberty County (urban): math 19% / reading 28% proficiency, ranked #133 of 174 in GA (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.4%/yr); 639 active listings in the ZIP; 7 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; 471 units permitted in Liberty County in 2024 (0 in 5+ unit buildings).
• This rent runs 42% of the median local income ($60k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Liberty County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $211,080 (9.2% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
6. 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?
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: 0.91% ✗
• Cap rate: 6.09%
• Cash-on-cash: -0.71%
• DSCR: 0.97
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $256,802
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
147 Centennial Ct	0.28mi	3/2.5	1,458 (+3%)	7mo	$272,990	$187	76
169 Hamilton Dr	0.44mi	3/2.5	1,462 (+4%)	1mo	$265,200	$181	73
85 Hamilton Dr	0.40mi	3/2.5	1,462 (+4%)	3mo	$265,700	$182	73
76 Hamilton Dr	0.38mi	3/2.5	1,462 (+4%)	6mo	$265,300	$181	72
361 Thorpe Cir	0.29mi	3/2.0	1,491 (+6%)	9mo	$250,000	$168	67
324 Abode Ave	0.19mi	4/2.0 (+1)	1,568 (+11%)	2mo	$285,000	$182	64
125 Providence Loop	0.35mi	3/2.0	1,544 (+9%)	2mo	$281,400	$182	64
197 Hazy Ln	0.45mi	4/2.0 (+1)	1,482 (+5%)	6mo	$284,500	$192	59
568 Abode Ave	0.19mi	4/2.0 (+1)	1,594 (+13%)	7mo	$288,900	$181	56
111 Providence Loop	0.35mi	4/2.0 (+1)	1,581 (+12%)	6mo	$291,500	$184	52
605 Palmetto Trce	0.49mi	3/2.0	1,225 (-13%)	5mo	$170,000	$139	49
389 Gray Fox Rd	0.62mi	4/2.0 (+1)	1,296 (-8%)	3mo	$260,000	$201	48

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 · 5.41% rent growth · sell at horizon

5-year hold

• IRR: -14.6%
• Equity multiple: 0.47×
• Total profit: $-34,778
• Equity at exit: $34,652

10-year hold

• IRR: -2.1%
• Equity multiple: 0.84×
• Total profit: $-10,468
• Equity at exit: $20,094

Cash invested: $65,072 (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 31313

• Home prices YoY: -27.1%
• Rents YoY: 5.4%
• Active inventory: 639
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,111 high
• Mortgage (P&I): −$1,219
• Tax est. 1.5%: −$290 /mo · $3,486/yr
• Insurance: −$97
• HOA: −$100
• Vacancy / Maint / Mgmt: −$443
• Net cashflow: $-39

Break-even live

Break-even rent $2,160

Max offer price $226,824

Occupancy floor 97%

Sensitivity live

Price	-10% $122	-5% $42	+0% $-39	+5% $-119	+10% $-199
Rent	-10% $-205	-5% $-122	+0% $-39	+5% $45	+10% $128
Rate	-1.0pp $79	-0.5pp $21	base $-39	+0.5pp $-99	+1.0pp $-160

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: $58,100
• Closing costs: $6,972
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
193 Heirloom Rd Hinesville, GA	3.0	2.5	1400	$2,300	$1.64	45d	1	0.06mi
96 Beaumont Dr Unit 1 Hinesville, GA	3.0	2.0	1400	$1,975	$1.41	45d	1	0.10mi
78 Centennial Ct Hinesville, GA	3.0	2.5	1462	$2,100	$1.44	45d	1	0.23mi
100 Centennial Ct Hinesville, GA	3.0	2.5	1703	$2,150	$1.26	45d	1	0.25mi
158 Hamlet Ct Hinesville, GA	3.0	2.5	1458	$2,250	$1.54	45d	1	0.25mi
707 Thornwood Way Hinesville, GA	3.0	1.0	1040	$1,200	$1.15	45d	1	0.34mi
130 Hazy Ln Hinesville, GA	3.0	2.5	1518	$2,100	$1.38	45d	1	0.47mi

HOA detail

• Monthly dues: $100 · $1,200/yr

Listing history 2 events

1. 2026-06-21
   remarks 679-char remark
2. 2026-06-21
   listed $232,400 Active 2 DOM

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

Taxation est. · year 1

• Rental income: $25,330
• − Mortgage interest: −$13,018
• − Property taxes: −$3,486
• − Insurance: −$1,162
• − Repairs & maintenance: −$2,026
• − Management: −$2,026
• − HOA: −$1,200
• − Depreciation: −$6,761
• Taxable loss: −$4,350
• Est. tax savings @ 24.0%: +$1,044
• After-tax cash flow: $582/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: Liberty County
• NCES district ID: 1303300
• Math proficiency: 19% ▼ -16.00%
• Reading proficiency: 28% ▼ -13.00%
• Median HH income: $43,911
• Composite: 20.2/100
• National rank: #8630
• State rank: #133 of 174 in GA

Livability — Hinesville

• Score: 73/100
• State rank: #51
• US rank: #5200

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hinesville, GA
• County: Liberty County · 58,565 people
• City population: 42,838
• Metro: Hinesville, GA
• Population (ZIP): 42,838
• Household income: $60,233
• Rent vs Own: 50.1% rent · 49.9% own
• Severe rent burden: 1693.0

Population outlook (Liberty County) Hauer SSP2

• Today (2025): 58,689 people
• By 2030: 57,670 · -1.7%
• By 2040: 55,750 · -5.0%
• By 2050: 54,155 · -7.7%
• By 2075: 58,947 · +0.4%
• By 2100: 66,919 · +14.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: Black 47% White 31% Hispanic / Latino 13% Two or more races 11% Asian 2%
• Hispanic origin (detail): Mexican 4% Puerto Rican 7%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 86% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Liberty

• 2024 margin: D (+17.4) · D 58.5% · R 41.0%
• 2008→2024 swing: -10.9pp toward R · 2008: 28.4pp · 2024: 17.4pp
• All cycles: 2024: D+17.4 2020: D+24.1 2016: D+21.2 2012: D+30.2 2008: D+28.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -77.50%
• Current HPI: 208.0927
• Rent YoY: ▲ 5.41%
• Metro: Hinesville, 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

1 event — show timeline

• 2026-06-19 Listed $232,400 HABR