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419 Pine Valley Dr
C+ Composite 63.22
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 +26.9/30.0
  • DSCR +9.3/10.0
  • ARV discount +8.5/15.0
  • 1% rule +6.0/10.0
  • Schools +3.9/10.0
  • Livability +3.2/5.0
  • Rent growth +2.9/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$205,000

419 Pine Valley Dr · Warner Robins, GA 31088
5 bd · 2.5 ba · 2,137 sqft · SingleFamily public records · 22 Days on market
Built 1962 0.78 ac lot $96/sqft · at area comps Est $209k · at est.

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

A one owner home that begs for loving attention. Priced to sell at $69,900. This 5 bedroom, 2.5 bath home is situated on a . 78 acre corner lot with fenced yard, approx. 2137 sqft. , hardwood floors, workshop and much more. Move in and update as you please. Sold as is. Call today to preview your new home. Verify schools with BOE.

Key facts

  • 0.78 acre lot
  • 2 garage spots
  • Built 1962

Property features AI

Exterior

  • Parking: Detached 2-car garage; 2 covered parking spaces (2 total parking spaces)
  • Utilities: Public water; Public sewer; Cable connected
  • Home design: Single-family residence; Multi/split levels
  • Construction: Wood siding; Slab foundation
  • Exterior features: Lot in a subdivision (Miller Hills Estate)

Interior

  • Kitchen: Electric range
  • Flooring: Carpet; Vinyl; Laminate
  • Bathrooms: 2 full bathrooms; 1 half bathroom
  • Heating & cooling: Central heating; Heat pump; Central air conditioning
  • Interior features: Ceiling fans; Storage

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 5-bed/2.5-bath single-family listed at $205k.

Deal economics

  • At list price, monthly cash flow is $569 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $205k).
  • Recommended offer: $202k (1.5% below list) — sets the bar for market timing.
  • Cap rate 9.6% vs local median 4.9% in Warner Robins — 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 65/100 on livability (#227 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, crime F, amenities 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.
  • Zoned schools: Miller Elementary School (math 22% / reading 22%, grade F, #810 of 1,228 statewide, top 69%, 538 students, 84% FRL); Warner Robins Middle School (math 25% / reading 37%, grade F, #237 of 470 statewide, top 51%, 813 students, 84% FRL); Warner Robins High School (math 7% / reading 21%, grade F, #322 of 424 statewide, top 76%, 1,816 students, 84% FRL) — zoned schools average 84% FRL vs 46% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 22% at this address vs 44% district-wide (-22 pts) — the specific schools serving this property underperform the Houston County average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents rising (+1.7%/yr); 286 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,545 units permitted in Houston County in 2024 (336 in 5+ unit buildings).
  • This rent runs 33% of the median local income ($83k/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 $6k 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 22 days — a 2% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 14y 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.
  • Current owner paid $64k; list at $205k implies a 223% 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.
Recommended offer $201,925 (1.5% below list)

Questions for the listing agent

  1. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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
1.10%
Cap rate
9.63%
Cash-on-cash
11.90%
DSCR
1.53
GRM
7.6

CMA / ARV

ARV (median comp)
$209,489
List price
$205,000
Delta
-2.14%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 6 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
115 Kay Dr 0.28mi 4/3.0 (-1) 2,156 (+1%) 20mo $245,000 $114 62
102 Stanley Ter 0.39mi 4/3.0 (-1) 2,206 (+3%) 11mo $240,000 $109 60
515 Kimberly Rd 0.73mi 4/2.5 (-1) 2,144 (+0%) 2mo $236,600 $110 59
208 Randall Dr 0.31mi 4/2.5 (-1) 2,217 (+4%) 23mo $220,000 $99 55
104 Terrell St 0.51mi 4/2.0 (-1) 1,997 (-7%) 10mo $140,000 $70 50
406 Granada Ter 0.55mi 4/2.5 (-1) 2,413 (+13%) 21mo $245,500 $102 30

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 · 1.67% rent growth · sell at horizon

5-year hold
IRR
-0.0%
Equity multiple
1.00×
Total profit
$-20
Equity at exit
$30,566
10-year hold
IRR
8.3%
Equity multiple
1.60×
Total profit
$34,416
Equity at exit
$17,725

Cash invested: $57,400 (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.

ZIP-level market 31088

Rents YoY
1.7%
Active inventory
286
Price-to-rent
7.6×

Monthly cashflow live

Estimated rent
$2,253 medium interval (Pro) →
Mortgage (P&I)
$1,075
Tax from tax record
$50 /mo · $604/yr
Insurance
$85
HOA
$0
Vacancy / Maint / Mgmt
$473
Net cashflow
$569

Break-even live

Break-even rent $1,533
Max offer price $205,000
Occupancy floor 70%

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
$51,250
Closing costs
$6,150
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 2 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
106 Edna Pl Warner Robins, GA 4.0 3.0 1922 $1,850 $0.96 43d 1 1.40mi
501 Pinecrest Dr Warner Robins, GA 4.0 2.0 1818 $2,100 $1.16 43d 1 1.46mi

Listing history 7 events

  1. 2026-06-05
    statusdays on market $205,000 Pending 22 DOM
  2. 2026-06-03
    days on market $205,000 Active 21 DOM
  3. 2026-06-02
    days on market $205,000 Active 20 DOM
  4. 2026-06-01
    days on market $205,000 Active 19 DOM
  5. 2026-05-31
    days on market $205,000 Active 18 DOM
  6. 2026-05-30
    days on market $205,000 Active 17 DOM
  7. 2026-05-13
    listed $205,000 Active 742-char remark

ⓘ 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
$604 · $50/mo
Projected year-2 tax
$1,886 · $157/mo
Expected delta
+$1,282/yr (+$107/mo · 212.2%)

ⓘ 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 1/10 Low
  • 🌡 Heat 7/10 Severe 7 d/yr ≥108°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 2 unhealthy d/yr today · 4 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$27,042
− Mortgage interest
−$11,483
− Property taxes
−$604
− Insurance
−$1,025
− Repairs & maintenance
−$2,163
− Management
−$2,163
− Depreciation
−$5,964
Taxable income
$3,639
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$873
After-tax cash flow
$5,960/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 — Warner Robins

Score
65/100
State rank
#227
US rank
#13290

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Warner Robins, GA
County
Houston County · 157,321 people
City population
92,102
Metro
Warner Robins, GA
Population (ZIP)
58,585
Household income
$83,082
Rent vs Own
36.9% rent · 63.1% own
Severe rent burden
1668.0

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
Diverse neighborhood (Simpson 0.63)
Race & ethnicity
White 51% Black 32% Two or more races 9% Hispanic / Latino 7% Asian 4%
Hispanic origin (detail)
Mexican 4%
Common ancestry
Romanian 2% Slovak 2% Lithuanian 2%
Foreign-born
9% · Canada, Vietnam, Jamaica
Languages at home
90% English-only · Spanish 5% Other Asian/Pacific 2% Vietnamese 2%

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
▼ -135.75%
Current HPI
219.8261
Rent YoY
▲ 1.67%
Metro
Warner Robins, GA
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+242.2% since first listed
4 events — show timeline
  • 2026-06-04 Pending CGMLS
  • 2026-05-13 Listed $205,000 CGMLS
  • 2013-02-20 Sold (MLS) $63,500 CGMLS
  • 2012-10-08 Listed $59,900 CGMLS

Property tax history

+0.2%/yr

Latest (2023): $604 · -38.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…