528 Ansley Ave · Perry, GA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $963 – $1,789
Heat risk 7/10 · Major
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 80.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +19.8/30.0
- ARV discount +8.9/15.0
- DSCR +6.3/10.0
- 1% rule +4.3/10.0
- Schools +3.9/10.0
- Livability +3.4/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$219,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
A spacious 1862 foot home located in Perry, Georgia just minutes from downtown Perry and all of the amenities in beautiful Perry. A short drive to Ag Center and Houston County Fairgrounds, Houston County Board of Education and I 75. Home includes a wood burning fireplace and enclosed back porch with 3 bedrooms and two full baths. Less than 30 minutes from Robins Air Force Base, Frito Lay and Perdue Chicken plant. Home is tucked away in a quiet neighborhood. Call today and make Perry your new home.
Key facts
- Enclosed back porch
- 0.34 acre lot
- Built 1978
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $220k.
Deal economics
- At list price, monthly cash flow is $261 ($3k/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 $204k (7.3% below list).
- Recommended offer: $200k (9.0% below list) — sets the bar for market timing.
- Cap rate 7.7% vs local median 4.5% in Perry — 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 (#149 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety F.
- Houston County (urban): math 43% / reading 46% proficiency, ranked #23 of 174 in GA (top 13%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: 466 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,545 units permitted in Houston County in 2024 (336 in 5+ unit buildings).
- This rent runs 33% of the median local income ($75k/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.
- Houston County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 91 days — a 9% lower offer ($200k) is reasonable based on typical stale-listing flexibility.
- Current owner paid $54k; list at $220k implies a 305% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 80% 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.
Questions for the listing agent
- It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 0.93% ✗
- Cap rate
- 7.72%
- Cash-on-cash
- 5.08%
- DSCR
- 1.23
- GRM
- 9.0
CMA / ARV
- ARV (median comp)
- $226,924
- List price
- $219,900
- Delta
- -3.10%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1404 Tucker Rd | 0.20mi | 3/2.0 | 1,852 (-0%) | 9mo | $216,900 | $117 | 83 |
| 303 Shane Cir | 0.15mi | 3/2.5 | 1,851 (-1%) | 12mo | $263,000 | $142 | 80 |
| 614 Hillcrest Ave | 0.28mi | 3/2.0 | 1,673 (-10%) | 1mo | $235,000 | $140 | 69 |
| 630 Pine Ridge St | 0.33mi | 3/2.0 | 1,715 (-8%) | 4mo | $245,000 | $143 | 68 |
| 706 Hillcrest Ave | 0.54mi | 3/2.0 | 1,885 (+1%) | 6mo | $298,000 | $158 | 68 |
| 550 Linden St | 0.19mi | 4/3.0 (+1) | 1,680 (-10%) | 14mo | $210,000 | $125 | 54 |
| 310 Christopher Luke Cir | 0.13mi | 3/2.0 | 1,619 (-13%) | 21mo | $255,000 | $158 | 54 |
| 310 Christopher Luke Cir | 0.13mi | 3/2.0 | 1,619 (-13%) | 21mo | $255,000 | $158 | 54 |
| 444 Linden St | 0.09mi | 4/2.5 (+1) | 2,140 (+15%) | 13mo | $283,000 | $132 | 53 |
| 700 Hillcrest Ave | 0.51mi | 3/2.5 | 1,686 (-10%) | 10mo | $332,500 | $197 | 50 |
| 606 Frank Satterfield Rd | 0.37mi | 3/1.5 | 1,586 (-15%) | 14mo | $165,000 | $104 | 44 |
| 821 Keith Dr | 0.72mi | 3/3.0 | 1,884 (+1%) | 22mo | $215,000 | $114 | 42 |
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 · 3.0% rent growth · sell at horizon
- IRR
- -8.4%
- Equity multiple
- 0.69×
- Total profit
- $-19,107
- Equity at exit
- $32,788
- IRR
- 1.0%
- Equity multiple
- 1.07×
- Total profit
- $4,438
- Equity at exit
- $19,013
Cash invested: $61,572 (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
ZIP-level market 31069
- Active inventory
- 466
- Price-to-rent
- 9.0×
Monthly cashflow live
- Estimated rent
- $2,038 high interval (Pro) →
- Mortgage (P&I)
- −$1,153
- Tax from tax record
- −$105 /mo · $1,255/yr
- Insurance
- −$92
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$428
- Net cashflow
- $261
Break-even live
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
- $54,975
- Closing costs
- $6,597
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 10 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 304 Christopher Luke Cir Perry, GA | 3.0 | 2.0 | 1769 | $2,095 | $1.18 | 44d | 1 | 0.16mi |
| 526 Ochlahatchee Dr Perry, GA | 3.0 | 1.5 | 1300 | $1,550 | $1.19 | 44d | 1 | 0.52mi |
| 1501 Main St Perry, GA | 3.0 | 2.0 | 1254 | $1,750 | $1.40 | 44d | 1 | 0.65mi |
| 705 Evergreen St Perry, GA | 2.0 | 1.5 | 1489 | $1,400 | $0.94 | 21d | 1 | 0.67mi |
| 1100 Kenwood Dr Perry, GA | 3.0 | 2.0 | 1298 | $3,950 | $3.04 | 44d | 1 | 0.87mi |
| 1100 Kenwood Dr Perry, GA | 3.0 | 2.0 | 1298 | $3,950 | $3.04 | 21d | 1 | 0.87mi |
| 1115 Kingston Rd Perry, GA | 4.0 | 3.0 | 1740 | $2,000 | $1.15 | 21d | 1 | 0.95mi |
| 1304 Georgia Ave Perry, GA | 4.0 | 2.0 | 1485 | $3,500 | $2.36 | 44d | 1 | 1.19mi |
| 1304 Georgia Ave Perry, GA | 4.0 | 2.0 | 1485 | $3,500 | $2.36 | 21d | 1 | 1.19mi |
| 1215 Macon Rd Perry, GA | 3.0 | 2.5 | 1768 | $1,700 | $0.96 | 13d | 1 | 1.31mi |
Listing history 20 events
-
2026-06-19days on market $219,900 Active 91 DOM
-
2026-06-18days on market $219,900 Active 90 DOM
-
2026-06-17days on market $219,900 Active 89 DOM
-
2026-06-16days on market $219,900 Active 88 DOM
-
2026-06-15days on market $219,900 Active 87 DOM
-
2026-06-14days on market $219,900 Active 85 DOM
-
2026-06-13days on market $219,900 Active 84 DOM
-
2026-06-10days on market $219,900 Active 82 DOM
-
2026-06-09days on market $219,900 Active 81 DOM
-
2026-06-08days on market $219,900 Active 80 DOM
-
2026-06-07days on market $219,900 Active 79 DOM
-
2026-06-05days on market $219,900 Active 76 DOM
-
2026-06-03days on market $219,900 Active 75 DOM
-
2026-06-02days on market $219,900 Active 74 DOM
-
2026-06-01days on market $219,900 Active 73 DOM
-
2026-05-31days on market $219,900 Active 72 DOM
-
2026-05-30days on market $219,900 Active 71 DOM
-
2026-04-15price $219,900 502-char remark
Show marketing remark (502 chars)
A spacious 1862 foot home located in Perry, Georgia just minutes from downtown Perry and all of the amenities in beautiful Perry. A short drive to Ag Center and Houston County Fairgrounds, Houston County Board of Education and I 75. Home includes a wood burning fireplace and enclosed back porch with 3 bedrooms and two full baths. Less than 30 minutes from Robins Air Force Base, Frito Lay and Perdue Chicken plant. Home is tucked away in a quiet neighborhood. Call today and make Perry your new home.
-
2026-03-20$259,000 New 502-char remark
Show marketing remark (502 chars)
A spacious 1862 foot home located in Perry, Georgia just minutes from downtown Perry and all of the amenities in beautiful Perry. A short drive to Ag Center and Houston County Fairgrounds, Houston County Board of Education and I 75. Home includes a wood burning fireplace and enclosed back porch with 3 bedrooms and two full baths. Less than 30 minutes from Robins Air Force Base, Frito Lay and Perdue Chicken plant. Home is tucked away in a quiet neighborhood. Call today and make Perry your new home.
-
1991-02-22soldstatus $54,258
ⓘ 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
- $1,255 · $105/mo
- Projected year-2 tax
- $2,023 · $169/mo
- Expected delta
- +$768/yr (+$64/mo · 61.2%)
ⓘ 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 4/10 Moderate
- Heat 7/10 Severe 7 d/yr ≥109°F today · 18 d/yr by 30 yrs out
- Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $24,457
- − Mortgage interest
- −$12,318
- − Property taxes
- −$1,255
- − Insurance
- −$1,100
- − Repairs & maintenance
- −$1,957
- − Management
- −$1,957
- − Depreciation
- −$6,397
- Taxable loss
- −$526
- Est. tax savings @ 24.0%
- +$126
- After-tax cash flow
- $3,254/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
- Houston County
- NCES district ID
- 1302880
- Math proficiency
- 43% ▼ -7.00%
- Reading proficiency
- 46% ▼ -2.00%
- Median HH income
- $54,823
- Composite
- 38.68/100
- National rank
- #4144
- State rank
- #23 of 174 in GA
Livability — Perry
- Score
- 68/100
- State rank
- #149
- US rank
- #9757
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Perry, GA
- County
- Houston County · 157,321 people
- City population
- 22,953
- Metro
- Warner Robins, GA
- Population (ZIP)
- 22,953
- Household income
- $74,501
- Rent vs Own
- Severe rent burden
- 666.0
Population outlook (Houston County) Hauer SSP2
- Today (2025)
- 169,502 people
- By 2030
- 178,486 · +5.3%
- By 2040
- 194,642 · +14.8%
- By 2050
- 207,119 · +22.2%
- By 2075
- 231,480 · +36.6%
- By 2100
- 235,034 · +38.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Majority White (64%)
- Race & ethnicity
- White 64% Black 24% Hispanic / Latino 4% Asian 3% Two or more races 3%
- Common ancestry
- Slovak 2% Romanian 1% Lithuanian 1%
- Foreign-born
- 4% · Canada, South Korea
- Languages at home
- 96% English-only · Spanish 2% Chinese 1%
Political lean MEDSL · Houston
- 2024 margin
- R (+11.3) · D 44.0% · R 55.3%
- 2008→2024 swing
- +8.9pp toward D · 2008: -20.2pp · 2024: -11.3pp
- All cycles
- 2024: R+11.3 2020: R+12.4 2016: R+21.6 2012: R+20.7 2008: R+20.2
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -162.01%
- Current HPI
- 240.9327
- Rent YoY
- —
- Metro
- Warner Robins, 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 |
|
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| Retail | 1 | $160B |
|
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| Transportation / Logistics | 1 | $91B |
|
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| Airlines | 1 | $62B |
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| Consumer Goods | 1 | $47B |
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| Utilities | 1 | $25B |
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Price history
+305.3% since first listed3 events — show timeline
- 2026-04-15 Price Changed $219,900 GAMLS
- 2026-03-20 Listed $259,000 GAMLS
- 1991-02-22 Sold (Public Records) $54,258 Public Records
Property tax history
+4.5%/yrLatest (2025): $1,255 · +5.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…