74 Fifth St · Trion, GA 30753

$109,000

2 bd · 1.0 ba · 1,181 sqft · Other public records · 80 Days on market

Built 1910 0.26 ac lot $92/sqft · 26% below area Est $147k · 26% under

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Why this score? — see what drove the A 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +7.4/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

INVESTORS SPECIAL with tons of potential in the heart of Trion! This 2 bedroom, 1 bath home is located in the highly sought-after Trion City School DISTRICT, making it a great opportunity for investors or buyers looking to renovate and add value. The home was in the middle of a remodel prior to being listed, giving you a head start on bringing your vision to life. The bathroom renovation has already been started, and most of the materials needed to complete it are included--such as a vanity, tub, tub and shower fixtures, flooring, shower tile, and toilet. Per seller, all new plumbing and electrical has been installed in the bathroom saving both time and expense. The kitchen has been mostly completed with refinished cabinets, new electrical, and countertops already installed. Additional updates and finishing work are still needed throughout the home, including flooring and trim, allowing you to customize the final touches to your liking. Whether you're looking for a flip, rental, or affordable project home, this property offers a great opportunity to build equity. Conveniently located and full of potential! Being sold AS IS. Laundry room sub-flooring is NOT COMPLETE! DO NOT walk into the laundry room, which is off the kitchen. Please be very CAUTIOUS!

Key facts

• New plumbing
• New electrical
• Bathroom renovation

Tags

• TRION CITY SCHOOL DISTRICT
• BATHROOM RENOVATION
• NEW PLUMBING
• NEW ELECTRICAL
• REFINISHED CABINETS
• COUNTERTOPS INSTALLED

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $109k.

Deal economics

• At list price, monthly cash flow is $422 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $109k).
• Recommended offer: $102k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.9% vs local median 5.2% in Trion — 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 64/100 on livability (#257 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools D, amenities F, commute F.
• Trion City (town): math 55% / reading 55% proficiency, ranked #11 of 174 in GA (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 36 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2 units permitted in Chattooga County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($754 loan paydown + $11k appreciation (10.0% local appreciation)).
• Chattooga County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 80 days — a 6% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $102,460 (6.0% below list)

Questions for the listing agent

1. It's been on market 80 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 1910 — 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 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?
6. 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.
7. 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.
8. 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: 1.24% ✓
• Cap rate: 10.94%
• Cash-on-cash: 16.60%
• DSCR: 1.74
• GRM: 6.7

CMA / ARV

• ARV (median comp): $146,661
• List price: $109,000
• Delta: -25.68%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 36.6%
• Equity multiple: 3.82×
• Total profit: $86,200
• Equity at exit: $98,196

10-year hold

• IRR: 31.5%
• Equity multiple: 8.62×
• Total profit: $232,612
• Equity at exit: $211,763

Cash invested: $30,520 (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 30753

• Home prices YoY: 5.1%
• Active inventory: 36
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,350 medium
• Mortgage (P&I): −$572
• Tax from tax record: −$27 /mo · $329/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $422

Break-even live

Break-even rent $816

Max offer price $109,000

Occupancy floor 64%

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
118 Peach St Trion, GA	3.0	2.0	1207	$1,350	$1.12	14d	1	1.37mi

Listing history 18 events

1. 2026-06-18
   days on market $109,000 Active 80 DOM
2. 2026-06-17
   days on market $109,000 Active 79 DOM
3. 2026-06-16
   days on market $109,000 Active 78 DOM
4. 2026-06-15
   days on market $109,000 Active 77 DOM
5. 2026-06-13
   days on market $109,000 Active 75 DOM
6. 2026-06-12
   days on market $109,000 Active 74 DOM
7. 2026-06-09
   days on market $109,000 Active 71 DOM
8. 2026-06-08
   days on market $109,000 Active 70 DOM
9. 2026-06-07
   days on market $109,000 Active 69 DOM
10. 2026-06-05
    days on market $109,000 Active 67 DOM
11. 2026-06-04
    days on market $109,000 Active 65 DOM
12. 2026-06-03
    price $109,000 Active 64 DOM
13. 2026-06-02
    days on market $112,000 Active 64 DOM
14. 2026-06-01
    days on market $112,000 Active 63 DOM
15. 2026-05-31
    days on market $112,000 Active 62 DOM
16. 2026-05-31
    days on market $112,000 Active 61 DOM
17. 2026-03-30
    listed $112,000 Active 1273-char remark

    Show marketing remark (1282 chars)

    INVESTORS SPECIAL with tons of potential in the heart of Trion! This 2 bedroom, 1 bath home is located in the highly sought-after Trion City School DISTRICT, making it a great opportunity for investors or buyers looking to renovate and add value. The home was in the middle of a remodel prior to being listed, giving you a head start on bringing your vision to life. The bathroom renovation has already been started, and most of the materials needed to complete it are included--such as a vanity, tub, tub and shower fixtures, flooring, shower tile, and toilet. Per seller, all new plumbing and electrical has been installed in the bathroom saving both time and expense. The kitchen has been mostly completed with refinished cabinets, new electrical, and countertops already installed. Additional updates and finishing work are still needed throughout the home, including flooring and trim, allowing you to customize the final touches to your liking. Whether you're looking for a flip, rental, or affordable project home, this property offers a great opportunity to build equity. Conveniently located and full of potential! Being sold AS IS. Laundry room sub-flooring is NOT COMPLETE! DO NOT walk into the laundry room, which is off the kitchen. Please be very CAUTIOUS!

18. 2026-03-30
    listed $112,000 New 1282-char remark

    Show marketing remark (1282 chars)

    INVESTORS SPECIAL with tons of potential in the heart of Trion! This 2 bedroom, 1 bath home is located in the highly sought-after Trion City School DISTRICT, making it a great opportunity for investors or buyers looking to renovate and add value. The home was in the middle of a remodel prior to being listed, giving you a head start on bringing your vision to life. The bathroom renovation has already been started, and most of the materials needed to complete it are included--such as a vanity, tub, tub and shower fixtures, flooring, shower tile, and toilet. Per seller, all new plumbing and electrical has been installed in the bathroom saving both time and expense. The kitchen has been mostly completed with refinished cabinets, new electrical, and countertops already installed. Additional updates and finishing work are still needed throughout the home, including flooring and trim, allowing you to customize the final touches to your liking. Whether you're looking for a flip, rental, or affordable project home, this property offers a great opportunity to build equity. Conveniently located and full of potential! Being sold AS IS. Laundry room sub-flooring is NOT COMPLETE! DO NOT walk into the laundry room, which is off the kitchen. Please be very CAUTIOUS!

ⓘ 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: $329 · $27/mo
• Projected year-2 tax: $1,003 · $84/mo
• Expected delta: +$674/yr (+$56/mo · 205.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% 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: $16,200
• − Mortgage interest: −$6,106
• − Property taxes: −$329
• − Insurance: −$545
• − Repairs & maintenance: −$1,296
• − Management: −$1,296
• − Depreciation: −$3,171
• Taxable income: $3,458
• Est. tax owed @ 24.0%: −$830
• After-tax cash flow: $4,235/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: Trion City
• NCES district ID: 1305130
• Math proficiency: 55% ▼ -7.00%
• Reading proficiency: 55% ▼ -8.00%
• Median HH income: $36,021
• Composite: 45.6/100
• National rank: #2589
• State rank: #11 of 174 in GA

Livability — Trion

• Score: 64/100
• State rank: #257
• US rank: #14164

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Trion, GA
• Population (ZIP): 8,039

Population outlook (Chattooga County) Hauer SSP2

• Today (2025): 23,451 people
• By 2030: 22,595 · -3.7%
• By 2040: 20,808 · -11.3%
• By 2050: 19,079 · -18.6%
• By 2075: 15,131 · -35.5%
• By 2100: 10,904 · -53.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Black 14% Hispanic / Latino 14% Two or more races 6% Native American 4%
• Common ancestry: Scotch-Irish 1% Subsaharan African 1%
• Foreign-born: 7% · Canada
• Languages at home: 86% English-only · Spanish 12% Russian/Polish/Slavic 1%

Political lean MEDSL · Chattooga

• 2024 margin: Solid R (+64.2) · D 17.7% · R 81.9%
• 2008→2024 swing: -28.4pp toward R · 2008: -35.8pp · 2024: -64.2pp
• All cycles: 2024: R+64.2 2020: R+61.8 2016: R+58.8 2012: R+41.3 2008: R+35.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 12.20%
• Current HPI: 253.4637
• 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

+0.0% since first listed

2 events — show timeline

• 2026-03-30 Listed $112,000 GCAR
• 2026-03-30 Listed $112,000 GAMLS

Property tax history

+4.2%/yr

Latest (2025): $329 · -7.2% YoY. Source: county tax records.