1396 Pine Dr · College Park, 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 1/10 · Minimal
- Est. fire insurance / yr
- $963 – $1,789
Heat risk 5/10 · Moderate
- Hot days now (above 104°F)
- 6 days/yr
- Hot days in 30 yrs
- 16 days/yr
Wind risk 5/10 · Moderate
- Chance of severe wind over 30 yrs
- 26.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 7 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 +23.5/30.0
- Appreciation +10.0/10.0
- DSCR +7.6/10.0
- ARV discount +7.5/15.0
- 1% rule +5.8/10.0
- Livability +3.0/5.0
- Rent growth +2.7/5.0
- Condition / age +2.5/5.0
- Schools +1.3/10.0
$146,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Cozy step-less ranch featuring 3 bedrooms and 1 bathroom with comfortable single-level living. This charming home offers a spacious, level front yard, a private backyard perfect for relaxing or entertaining, and a convenient carport for covered parking. Ideally located near shopping, dining, and everyday conveniences, this home combines comfort, accessibility, and convenience in one inviting package.
Key facts
- Step-less ranch
- Level front yard
- Private backyard
Tags
Property features AI
Finance
- HOA & community: Community features: Other
Exterior
- Parking: Covered parking for 1 vehicle
- Utilities: Public water; Septic tank sewer; 110V electrical; Cable available; Phone service available; Electricity available; Water available
- Home design: One level home; Resale property; Frame construction
- Construction: Frame construction; Composition shingle roof; Concrete perimeter foundation
- Exterior features: Private yard; County road frontage; Asphalt/paved road access
Interior
- Kitchen: White cabinets; Eat-in kitchen; Laminate counters; Electric range
- Bedrooms: Three main-level bedrooms; Primary suite on the main level
- Flooring: Laminate flooring; Vinyl flooring
- Bathrooms: One full bathroom; Main-level bathroom; Tub/shower combo in primary bath
- Heating & cooling: Central heating; Central air; Programmable thermostat
- Interior features: Insulated windows; No shared/common walls; Other interior features; Crawl space foundation access
- Laundry & utility: Main-level laundry; 220V outlet in laundry area; Gas water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $146k.
Deal economics
- At list price, monthly cash flow is $274 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $146k).
- Recommended offer: $144k (1.5% below list) — sets the bar for market timing.
- Cap rate 8.5% vs local median 3.8% in College Park — 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 59/100 on livability (#408 in GA) — a working-class tenant base; expect higher turnover. Strengths: commute A+, cost of living A+, housing A-; Watch: crime F, amenities F, employment D-.
- Clayton County (suburban): math 11% / reading 20% proficiency, ranked #155 of 174 in GA (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Northcutt Elementary School (math 15% / reading 24%, grade F, #873 of 1,228 statewide, top 71%, 693 students, 90% FRL); North Clayton Middle School (math 12% / reading 27%, grade F, #356 of 470 statewide, top 78%, 767 students, 90% FRL); North Clayton High School (math 2% / reading 22%, grade F, #336 of 424 statewide, top 80%, 1,206 students, 90% FRL).
- Market conditions: Rents flat; 651 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 865 units permitted in Clayton County in 2024 (448 in 5+ unit buildings).
Forward outlook
- In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (10.0% local appreciation)).
- Clayton County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (10.0% appreciation + 0.9% rent growth), your $41k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 3, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 23 days — a 2% lower offer ($144k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 5y ago 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.
Risks & watch-outs
- Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: moderate wind risk, 26% chance of damaging wind over 30y; extreme-heat days projected 6→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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
- 1.08% ✓
- Cap rate
- 8.54%
- Cash-on-cash
- 8.03%
- DSCR
- 1.36
- GRM
- 7.7
CMA / ARV
No comps found within radius.
Projected returns pro-forma
10.0% appreciation · 0.95% rent growth · sell at horizon
- IRR
- 29.3%
- Equity multiple
- 3.29×
- Total profit
- $93,763
- Equity at exit
- $131,528
- IRR
- 24.9%
- Equity multiple
- 7.27×
- Total profit
- $256,494
- Equity at exit
- $283,646
Cash invested: $40,880 (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 30349
- Home prices YoY
- 4.6%
- Rents YoY
- 0.9%
- Active inventory
- 651
- Price-to-rent
- 7.7×
Monthly cashflow live
- Estimated rent
- $1,571 high interval (Pro) →
- Mortgage (P&I)
- −$766
- Tax from tax record
- −$141 /mo · $1,688/yr
- Insurance
- −$61
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$330
- Net cashflow
- $274
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
- $36,500
- Closing costs
- $4,380
- 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 27 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5503 Riverdale Rd Atlanta, GA | 2.0 | 1.0 | 868 | $1,250 | $1.44 | 43d | 1 | 0.13mi |
| 5420 Riverdale Rd Atlanta, GA | 2.0 | 1.0–2.0 | 1075 | $1,225 | $1.14 | 5d | 1 | 0.25mi |
| 5751 Riverdale Rd Atlanta, GA | 2.0 | 1.5 | 1110 | $1,450 | $1.31 | 24d | 3 | 0.42mi |
| 1507 Pine Dr Atlanta, GA | 1.0–3.0 | 1.0–2.0 | 1050 | $1,576 | $1.50 | 2d | 9 | 0.45mi |
| 5261 Heather Ln Atlanta, GA | 3.0 | 1.0 | 972 | $1,350 | $1.39 | 43d | 1 | 0.51mi |
| 5327 Riverwalk Dr Atlanta, GA | 1.0–3.0 | 1.0–1.5 | 972 | $1,380 | $1.42 | 4d | 340 | 0.59mi |
| 1048 Flat Shoals Rd Atlanta, GA | 1.0–3.0 | 1.0–2.0 | 996 | $1,586 | $1.59 | 1d | 11 | 0.71mi |
| 5922 Heatherwood Ln Riverdale, GA | 3.0 | 2.0 | 1026 | $1,535 | $1.50 | 24d | 1 | 0.72mi |
| 5391 W Fayetteville Rd Atlanta, GA | 1.0–3.0 | 1.0–2.0 | 883 | $1,734 | $1.96 | 1d | 15 | 0.74mi |
| 1110 Garden Walk Blvd Atlanta, GA | 1.0–3.0 | 1.0–2.0 | 1016 | $1,720 | $1.69 | 2d | 22 | 0.74mi |
| 5890 Riverdale Rd Atlanta, GA | 2.0 | 2.0 | 990 | $1,269 | $1.28 | 24d | 1 | 0.89mi |
| 5890 Riverdale Rd Atlanta, GA | 2.0 | 2.0 | 990 | $1,269 | $1.28 | 44d | 1 | 0.89mi |
| 5890 Riverdale Rd Atlanta, GA | 3.0 | 2.0 | 1121 | $1,559 | $1.39 | 43d | 1 | 0.89mi |
| 5724 Riverdale Rd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 1039 | $1,460 | $1.40 | 5d | 1 | 0.91mi |
| 1081 Garden Walk Blvd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 895 | $1,502 | $1.68 | 1d | 35 | 0.91mi |
| 1875 E Pleasant Hill Rd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 942 | $1,595 | $1.69 | 1d | 21 | 0.95mi |
| 934 Garden Walk Blvd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 875 | $1,610 | $1.84 | 2d | 12 | 1.10mi |
| 6030 Riverdale Rd Atlanta, GA | 1.0–3.0 | 1.0–2.0 | 1043 | $1,895 | $1.82 | 43d | 21 | 1.13mi |
| 6108 Camden Forrest Cv Riverdale, GA | 2.0 | 2.0 | 1040 | $1,360 | $1.31 | 24d | 1 | 1.16mi |
| 852 Garden Walk Blvd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 835 | $1,489 | $1.78 | 43d | 9 | 1.19mi |
| 6115 Camden Forrest Dr Riverdale, GA | 2.0 | 2.5 | 1100 | $1,600 | $1.45 | 18d | 1 | 1.26mi |
| 6114 Riverdale Rd Atlanta, GA | 2.0 | 2.0 | 1113 | $1,735 | $1.56 | 43d | 1 | 1.33mi |
| 5730 N Castlegate Dr Unit A Atlanta, GA | 2.0 | 2.5 | 1125 | $1,395 | $1.24 | 43d | 1 | 1.33mi |
| 2001 Godby Rd Atlanta, GA | 1.0–3.0 | 1.5–2.5 | 1275 | $1,425 | $1.12 | 3d | 5 | 1.35mi |
| 746 Garden Walk Blvd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 852 | $1,525 | $1.79 | 2d | 9 | 1.36mi |
| 5267 Joan of Arc Pl Atlanta, GA | 3.0 | 1.0 | 1066 | $1,743 | $1.64 | 43d | 1 | 1.40mi |
| 639 Garden Walk Blvd Atlanta, GA | 1.0–2.0 | 1.0–2.0 | 852 | $1,500 | $1.76 | 5d | 8 | 1.45mi |
Listing history 35 events
-
2026-06-18days on market $146,000 Active 23 DOM
-
2026-06-17days on market $146,000 Active 22 DOM
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2026-06-16days on market $146,000 Active 21 DOM
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2026-06-15days on market $146,000 Active 20 DOM
-
2026-06-13days on market $146,000 Active 18 DOM
-
2026-06-09days on market $146,000 Active 14 DOM
-
2026-06-08days on market $146,000 Active 13 DOM
-
2026-06-07pricedays on market $146,000 Active 12 DOM
-
2026-06-04days on market $150,000 Active 9 DOM
-
2026-06-03days on market $150,000 Active 8 DOM
-
2026-06-02days on market $150,000 Active 7 DOM
-
2026-06-01days on market $150,000 Active 6 DOM
-
2026-05-31days on market $150,000 Active 5 DOM
-
2026-05-26$150,000 New 403-char remark
Show marketing remark (403 chars)
Cozy step-less ranch featuring 3 bedrooms and 1 bathroom with comfortable single-level living. This charming home offers a spacious, level front yard, a private backyard perfect for relaxing or entertaining, and a convenient carport for covered parking. Ideally located near shopping, dining, and everyday conveniences, this home combines comfort, accessibility, and convenience in one inviting package.
-
2026-05-26$150,000 Active
Show marketing remark (403 chars)
Cozy step-less ranch featuring 3 bedrooms and 1 bathroom with comfortable single-level living. This charming home offers a spacious, level front yard, a private backyard perfect for relaxing or entertaining, and a convenient carport for covered parking. Ideally located near shopping, dining, and everyday conveniences, this home combines comfort, accessibility, and convenience in one inviting package.
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2026-04-23soldstatus $146,700
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2021-11-02soldstatus $109,000
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2021-10-22soldstatus $109,000 Closed 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-10-22soldstatus $109,000 Sold
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-10-02status Pending 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-09-28historical Active Under Contract 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-09-28status Under Contract
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-09-16status Back on Market
-
2021-09-08status Under Contract
-
2021-08-18price $109,000
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-08-18price $109,000 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-07-18status Back on Market
-
2021-07-17status Active 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-06-26status Pending 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-06-21status Under Contract
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-06-21historical Active Under Contract 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
-
2021-06-16$115,000 New
-
2021-06-11$115,000 Active 175-char remark
Show marketing remark (175 chars)
Cozy three-bedroom one bathroom step-less ranch home. Notable home features include a large level front yard, private backyard, and carport. The home is near shops and dining,
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2002-06-14soldstatus $56,000
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1979-08-10soldstatus $12,500
ⓘ 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
- $1,688 · $141/mo
- Projected year-2 tax
- $1,688 · $141/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 1/10 Low
- Heat 5/10 Major 6 d/yr ≥104°F today · 16 d/yr by 30 yrs out
- Wind 5/10 Major 26% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 4 unhealthy d/yr today · 7 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
- $18,846
- − Mortgage interest
- −$8,178
- − Property taxes
- −$1,688
- − Insurance
- −$730
- − Repairs & maintenance
- −$1,508
- − Management
- −$1,508
- − Depreciation
- −$4,247
- Taxable income
- $987
- Est. tax owed @ 24.0%
- −$237
- After-tax cash flow
- $3,046/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
- Clayton County
- NCES district ID
- 1301230
- Math proficiency
- 11% ▼ -13.00%
- Reading proficiency
- 20% ▼ -9.00%
- Median HH income
- $42,266
- Composite
- 13.41/100
- National rank
- #9527
- State rank
- #155 of 174 in GA
Livability — College Park
- Score
- 59/100
- State rank
- #408
- US rank
- #20212
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Fulton County · 1,094,430 people
- City population
- 10,694
- Metro
- Atlanta-Sandy Springs-Alpharetta, GA
- Population (ZIP)
- 79,872
- Household income
- $67,023
- Rent vs Own
- Severe rent burden
- 4258.0
Population outlook (Clayton County) Hauer SSP2
- Today (2025)
- 310,777 people
- By 2030
- 329,762 · +6.1%
- By 2040
- 368,052 · +18.4%
- By 2050
- 401,196 · +29.1%
- By 2075
- 472,488 · +52.0%
- By 2100
- 500,446 · +61.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly Black (89%)
- Race & ethnicity
- Black 89% Hispanic / Latino 5% Two or more races 4% White 3%
- Foreign-born
- 9% · Canada
- Languages at home
- 88% English-only · Spanish 6% French/Haitian/Cajun 1%
Political lean MEDSL · Clayton
- 2024 margin
- Solid D (+69.2) · D 84.3% · R 15.1%
- 2008→2024 swing
- +2.8pp toward D · 2008: 66.4pp · 2024: 69.2pp
- All cycles
- 2024: D+69.2 2020: D+70.9 2016: D+71.9 2012: D+70.1 2008: D+66.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 18.01%
- Current HPI
- 407.99
- Rent YoY
- ▲ 0.95%
- Metro
- Atlanta-Sandy Springs-Alpharetta, 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 |
|
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| Airlines | 1 | $62B |
|
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| Consumer Goods | 1 | $47B |
|
||
| Utilities | 1 | $25B |
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Price history
+1100.0% since first listed22 events — show timeline
- 2026-05-26 Listed $150,000 FMLS
- 2026-05-26 Listed $150,000 GAMLS
- 2026-04-23 Sold (Public Records) $146,700 Public Records
- 2021-11-02 Sold (Public Records) $109,000 Public Records
- 2021-10-22 Sold (MLS) $109,000 GAMLS
- 2021-10-22 Sold (MLS) $109,000 FMLS
- 2021-10-02 Pending — FMLS
- 2021-09-28 Contingent — FMLS
- 2021-09-28 Pending — GAMLS
- 2021-09-16 Relisted — GAMLS
- 2021-09-08 Pending — GAMLS
- 2021-08-18 Price Changed $109,000 GAMLS
- 2021-08-18 Price Changed $109,000 FMLS
- 2021-07-18 Relisted — GAMLS
- 2021-07-17 Relisted — FMLS
- 2021-06-26 Pending — FMLS
- 2021-06-21 Pending — GAMLS
- 2021-06-21 Contingent — FMLS
- 2021-06-16 Listed $115,000 GAMLS
- 2021-06-11 Listed $115,000 FMLS
- 2002-06-14 Sold (Public Records) $56,000 Public Records
- 1979-08-10 Sold (Public Records) $12,500 Public Records
Property tax history
+5.8%/yrLatest (2025): $1,688 · +0.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…