18 Oak Ridge Cemetery Road Rd SW · Ludowici, 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 6/10 · Moderate
- Est. fire insurance / yr
- $963 – $1,789
Heat risk 8/10 · Major
- Hot days now (above 110°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B- 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 +22.6/30.0
- ARV discount +13.1/15.0
- DSCR +7.2/10.0
- Appreciation +5.6/10.0
- 1% rule +5.5/10.0
- Condition / age +4.0/5.0
- Livability +3.6/5.0
- Rent growth +2.5/5.0
- Schools +2.3/10.0
$209,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
This beautiful 3 bed, 2 bath home is ready for its next owners! Super conveniently located, amazingly priced, and the sellers are offering a paint allowance with motivated sellers ready to make a deal. Well-kept and move-in ready with so much potential to make it your own. Whether you're a first-time buyer, downsizing, or investing, this one is worth a look.
Key facts
- 0.24 acre lot
- Garage
- Built 2022
Property features AI
Finance
- Other: Property listed by Next Move Real Estate
Exterior
- Parking: Attached garage; Carport; 1 covered parking space (1 total parking space)
- Utilities: Public water; Public sewer
- Home design: Single-family residence; Residential property; City street frontage
- Construction: Vinyl siding; Asbestos shingle roof; Slab foundation; Built as residential single-family
- Exterior features: Other exterior features; Fencing (other)
Interior
- Kitchen: Other kitchen features
- Bedrooms: Total rooms: 6
- Bathrooms: 2 full bathrooms
- Interior features: Fireplace; Electric water heater; Other interior features
- Laundry & utility: Other laundry/utility features
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $209k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $355 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $209k).
- Recommended offer: $203k (3.0% below list) — sets the bar for market timing.
- Cap rate 8.3% vs local median 5.4% in Ludowici — 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 72/100 on livability (#74 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime A; Watch: employment D, amenities F, commute F.
- Long County (rural): math 26% / reading 26% proficiency, ranked #115 of 174 in GA (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Smiley Elementary School (1,258 students, 67% FRL); Long County Middle School (math 21% / reading 27%, grade F, #311 of 470 statewide, top 68%, 945 students, 69% FRL); Long County High School (math 37% / reading 22%, grade F, #140 of 424 statewide, top 35%, 1,209 students, 70% FRL).
- Market conditions: 412 active listings in the ZIP; 4 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; 298 units permitted in Long County in 2024 (0 in 5+ unit buildings).
- This rent runs 35% of the median local income ($75k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $4k of equity ($1k loan paydown + $2k appreciation (1.2% local appreciation)).
- Long County population projected at +72% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (1.2% appreciation + 3.0% rent growth), your $59k cash investment doubles in ~6 years — after that, you're playing with house money.
- By year 8, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 34 days — a 3% lower offer ($203k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/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 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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
- 1.05% ✓
- Cap rate
- 8.33%
- Cash-on-cash
- 7.29%
- DSCR
- 1.32
- GRM
- 7.9
CMA / ARV
- ARV (median comp)
- $238,558
- List price
- $209,000
- Delta
- -12.39%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 60 Oak Ridge Cemetery Rd | 0.04mi | 3/2.0 | 1,300 (+1%) | 14mo | $227,000 | $175 | 84 |
| 819 S Mcdonald St | 0.26mi | 3/2.0 | 1,194 (-7%) | 3mo | $51,000 | $43 | 74 |
| 21 SW Oak Ridge Cemetery Rd SW | 0.03mi | 3/2.0 | 1,473 (+15%) | 8mo | $285,000 | $193 | 67 |
| 613 S Macon St | 0.57mi | 3/2.0 | 1,282 (0%) | 10mo | $217,000 | $169 | 65 |
| 3722 Old Darien-macon Darien Rd | 0.58mi | 3/2.0 | 1,223 (-5%) | 2mo | $244,000 | $200 | 64 |
| 1046 Buster Phillips Rd SE | 0.62mi | 3/2.0 | 1,249 (-3%) | 16mo | $240,000 | $192 | 54 |
| 173 Franklin Tree Dr NE | 0.27mi | 3/2.0 | 1,132 (-12%) | 19mo | $222,300 | $196 | 52 |
| 142 Railroad St | 0.74mi | 3/2.0 | 1,292 (+1%) | 20mo | $220,000 | $170 | 48 |
| 198 Archibald Ave SE | 0.71mi | 3/2.0 | 1,336 (+4%) | 20mo | $255,000 | $191 | 44 |
| 398 Macon St | 0.67mi | 3/2.0 | 1,172 (-9%) | 18mo | $210,500 | $180 | 40 |
| 8 Rimes Avenue Ave SE | 0.67mi | 4/2.0 (+1) | 1,466 (+14%) | 20mo | $267,000 | $182 | 23 |
| 55 Union St | 0.74mi | 4/3.0 (+1) | 1,472 (+15%) | 18mo | $250,000 | $170 | 16 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
1.16% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 9.4%
- Equity multiple
- 1.48×
- Total profit
- $28,159
- Equity at exit
- $73,078
- IRR
- 13.1%
- Equity multiple
- 2.62×
- Total profit
- $94,905
- Equity at exit
- $98,466
Cash invested: $58,520 (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
ZIP-level market 31316
- Home prices YoY
- 0.6%
- Active inventory
- 412
- Price-to-rent
- 7.9×
Monthly cashflow live
- Estimated rent
- $2,201 medium interval (Pro) →
- Mortgage (P&I)
- −$1,096
- Tax from tax record
- −$201 /mo · $2,408/yr
- Insurance
- −$87
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$462
- Net cashflow
- $355
Break-even live
Sensitivity live
| Price | -10% $474 | -5% $414 | +0% $355 | +5% $296 | +10% $237 |
|---|---|---|---|---|---|
| Rent | -10% $181 | -5% $268 | +0% $355 | +5% $442 | +10% $529 |
| Rate | -1.0pp $461 | -0.5pp $408 | base $355 | +0.5pp $301 | +1.0pp $246 |
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
- $52,250
- Closing costs
- $6,270
- 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 4 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 149 W Franklin St Ludowici, GA | 3.0 | 2.5 | 1704 | $2,250 | $1.32 | 45d | 1 | 0.25mi |
| 147 Rimes Ave SE Ludowici, GA | 4.0 | 2.0 | 1782 | $2,100 | $1.18 | 45d | 1 | 0.57mi |
| 34 Pine St Unit C C Ludowici, GA | 2.0 | 1.0 | 990 | $1,395 | $1.41 | 45d | 1 | 0.75mi |
| 171 Baker Field Ln SE Ludowici, GA | 4.0 | 2.0 | 1807 | $2,350 | $1.30 | 45d | 1 | 1.43mi |
Listing history 16 events
-
2026-06-17status $209,000 Pending 34 DOM
-
2026-06-16days on market $209,000 Active 34 DOM
-
2026-06-15days on market $209,000 Active 33 DOM
-
2026-06-14days on market $209,000 Active 31 DOM
-
2026-06-13days on market $209,000 Active 30 DOM
-
2026-06-10days on market $209,000 Active 28 DOM
-
2026-06-09days on market $209,000 Active 27 DOM
-
2026-06-08days on market $209,000 Active 26 DOM
-
2026-06-07pricedays on market $209,000 Active 25 DOM
-
2026-06-05days on market $219,999 Active 22 DOM
-
2026-06-03days on market $219,999 Active 21 DOM
-
2026-06-02days on market $219,999 Active 20 DOM
-
2026-06-01days on market $219,999 Active 19 DOM
-
2026-05-31days on market $219,999 Active 18 DOM
-
2026-05-30days on market $219,999 Active 17 DOM
-
2026-05-13$225,000 Active 360-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
- $2,408 · $201/mo
- Projected year-2 tax
- $2,408 · $201/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 6/10 Major
- Heat 8/10 Severe 7 d/yr ≥110°F today · 17 d/yr by 30 yrs out
- Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
- $26,416
- − Mortgage interest
- −$11,707
- − Property taxes
- −$2,408
- − Insurance
- −$1,045
- − Repairs & maintenance
- −$2,113
- − Management
- −$2,113
- − Depreciation
- −$6,080
- Taxable income
- $949
- Est. tax owed @ 24.0%
- −$228
- After-tax cash flow
- $4,036/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.
Condition & rehab AI · 12 photos
This move-in ready, well-maintained home with new siding, roof, and landscaping is a great investment opportunity with significant potential for value appreciation.
Value-add opportunities
- Both Paint allowance — Motivated sellers are offering a paint allowance, which can be a significant value add for buyers.
- Both Landscaping and curb appeal — A well-maintained exterior and landscaping can enhance both resale and rental value.
- Both Kitchen and bathroom updates — Modern updates in the kitchen and bathrooms can attract more buyers and renters, increasing both resale and rental value.
- Both New flooring — Hardwood floors can increase both resale and rental value, as they are durable and aesthetically pleasing.
Renovation cost estimate screening
Value-add ROI direction
- Both Paint allowance — Motivated sellers are offering a paint allowance, which can be a significant value add for buyers. ↑
- Both Landscaping and curb appeal — A well-maintained exterior and landscaping can enhance both resale and rental value. ↑
- Both Kitchen and bathroom updates — Modern updates in the kitchen and bathrooms can attract more buyers and renters, increasing both resale and rental value. ↑
- Both New flooring — Hardwood floors can increase both resale and rental value, as they are durable and aesthetically pleasing. ↑
ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.
Schools (NCES district)
- District
- Long County
- NCES district ID
- 1303360
- Math proficiency
- 26% ▼ -14.00%
- Reading proficiency
- 26% ▼ -13.00%
- Median HH income
- $45,958
- Composite
- 22.51/100
- National rank
- #8090
- State rank
- #115 of 174 in GA
Livability — Ludowici
- Score
- 72/100
- State rank
- #74
- US rank
- #6449
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Ludowici, GA
- County
- Long County · 13,812 people
- City population
- 13,812
- Metro
- Hinesville, GA
- Population (ZIP)
- 13,812
- Household income
- $74,766
- Rent vs Own
- Severe rent burden
- 109.0
Population outlook (Long County) Hauer SSP2
- Today (2025)
- 24,669 people
- By 2030
- 28,223 · +14.4%
- By 2040
- 35,430 · +43.6%
- By 2050
- 42,403 · +71.9%
- By 2075
- 56,996 · +131.0%
- By 2100
- 64,185 · +160.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.56)
- Race & ethnicity
- White 61% Black 23% Hispanic / Latino 8% Two or more races 8%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 5%
- Common ancestry
- Serbian 1% Italian 1% Romanian 1%
- Foreign-born
- 3% · Canada
- Languages at home
- 92% English-only · Spanish 6% Other Asian/Pacific 1% German/W. Germanic 1%
Political lean MEDSL · Long
- 2024 margin
- Strong R (+29.5) · D 35.1% · R 64.6%
- 2008→2024 swing
- -5.4pp toward R · 2008: -24.1pp · 2024: -29.5pp
- All cycles
- 2024: R+29.5 2020: R+26.4 2016: R+30.8 2012: R+22.9 2008: R+24.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 1.16%
- Current HPI
- 195.2978
- Rent YoY
- —
- 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 |
|
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Price history
-7.1% since first listed4 events — show timeline
- 2026-06-16 Pending — HABR
- 2026-06-05 Price Changed $209,000 HABR
- 2026-05-26 Price Changed $219,999 HABR
- 2026-05-13 Listed $225,000 HABR
Property tax history
+27.8%/yrLatest (2025): $2,408 · +32.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…