15 St Moritz · Pine Mountain, GA 31822

$135,900

3 bd · 2.0 ba · 1,344 sqft · SingleFamily · 277 Days on market

Built 1971 Fair condition 0.25 ac lot $101/sqft · 7% below area Est $146k · 7% under ↓ 27% since listing

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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 +20.1/30.0
• ARV discount +10.6/15.0
• DSCR +6.4/10.0
• 1% rule +5.3/10.0
• Schools +3.8/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of "Pine Mountain Club Chalets" to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats... etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

Key facts

• Lake views
• 12 acre lake
• Activity center

Tags

• LAKE VIEWS
• WOOD BURNING FIREPLACE
• OPEN KITCHEN
• 12 ACRE LAKE
• SALT-WATER SWIMMING POOL
• ACTIVITY CENTER

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $136k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $169 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $136k).
• Recommended offer: $120k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 1.6% in Pine Mountain — 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 60/100 on livability (#372 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-; Watch: schools F, amenities F, commute F.
• Harris County (rural): math 41% / reading 43% proficiency, ranked #27 of 174 in GA (top 16%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 121 active listings in the ZIP; 189 units permitted in Harris County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $940 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Harris County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 277 days — a 12% lower offer ($120k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 5y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; major wind risk, 59% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $119,592 (12.0% below list)

Questions for the listing agent

1. It's been on market 277 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.03% ✓
• Cap rate: 7.78%
• Cash-on-cash: 5.33%
• DSCR: 1.24
• GRM: 8.1

CMA / ARV

• ARV (median comp): $145,897
• List price: $135,900
• Delta: -6.85%
• Verdict: FAIR
• Comps: 13 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15 St Moritz	0.00mi	3/2.0	1,344 (0%)	1mo	$115,000	$86	99
83 St Moritz Dr	0.15mi	3/2.0	1,404 (+4%)	12mo	$109,500	$78	76
90 Chalet Cir	0.15mi	3/2.0	1,248 (-7%)	7mo	$110,000	$88	75
80 St. Moritz Dr	0.13mi	4/3.0 (+1)	1,529 (+14%)	1mo	$140,000	$92	61

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

5-year hold

• IRR: -8.0%
• Equity multiple: 0.70×
• Total profit: $-11,242
• Equity at exit: $20,263

10-year hold

• IRR: 1.5%
• Equity multiple: 1.11×
• Total profit: $4,150
• Equity at exit: $11,750

Cash invested: $38,052 (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 31822

• Home prices YoY: -21.9%
• Active inventory: 121
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,403 medium
• Mortgage (P&I): −$713
• Tax est. 1.5%: −$170 /mo · $2,038/yr
• Insurance: −$57
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $169

Break-even live

Break-even rent $1,189

Max offer price $135,900

Occupancy floor 83%

Sensitivity live

Price	-10% $263	-5% $216	+0% $169	+5% $122	+10% $75
Rent	-10% $58	-5% $114	+0% $169	+5% $224	+10% $280
Rate	-1.0pp $237	-0.5pp $203	base $169	+0.5pp $134	+1.0pp $98

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: $33,975
• Closing costs: $4,077
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-05-11
   status Under Contract 2007-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

2. 2026-05-11
   status Pending 2003-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

3. 2026-04-03
   status Back On Market 2007-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

4. 2026-04-03
   status Active 2003-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

5. 2026-04-01
   historical 2003-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

6. 2026-03-31
   historical 2007-char remark

   Show marketing remark (2007 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of "Pine Mountain Club Chalets" to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats... etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

7. 2026-03-26
   price $135,900 2007-char remark

   Show marketing remark (2007 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of "Pine Mountain Club Chalets" to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats... etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

8. 2025-12-22
   price $135,900 2003-char remark

   Show marketing remark (2003 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of “Pine Mountain Club Chalets” to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats. .. etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

9. 2025-08-04
   listed $150,900 Active 2003-char remark

   Show marketing remark (2007 chars)

   Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of "Pine Mountain Club Chalets" to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats... etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

10. 2025-08-04
    listed $150,900 New 2007-char remark

    Show marketing remark (2007 chars)

    Get away from it all in this turn-key, furnished chalet with lake views. Cozy up to the wood burning fireplace on cool evenings while watching football. You won't miss a thing preparing meals in the open kitchen. This home is the perfect mountain escape for personal getaways or family retreats or investment opportunity. The home has vaulted ceilings with exposed beams, and an open, light filled floor plan that feels both cozy and spacious. The main level contains two bedrooms and one full bath. The cozy loft upstairs serves as the third bedroom with full bath. It has never been on rental program and is well maintained. Enjoy all the amenities of "Pine Mountain Club Chalets" to include 12 Acre Lake. There is also an onsite salt-water swimming pool, a family recreational area, soccer field, baseball diamond, volleyball court, lighted tennis courts, playground, putt-putt golf, basketball court, and activity center with ping pong and pool tables. All amenities incl. in the community association - internet, cable, security, pool, tennis, boats... etc. Located In Harris County, near the Interstate. Tourism is fabulous in Pine Mountain! Enjoy nearby Callaway Gardens, Warm Springs, Wild Animal Safari, Whitewater Express Rafting and Wolf Lodge Waterpark, etc. Upon closing, this chalet will be enrolled in the resort's onsite rental program, offering an opportunity for supplemental income when you're not enjoying it yourself. Outside rental companies are not permitted, to ensure consistent management and care. This is not a high-volume rental community; the focus is on a true vacation rental environment with rental income helping offset ownership costs. Income for chalets in the community ranges from $18,000-$22,000 per year, per management with a 60/40 (owner/PMCC) split with the resort handling everything-advertising, guest check-ins, housekeeping, and maintenance. Property is sold "AS IS". Don't miss an opportunity for your own weekend/vacation get away.

11. 2024-08-17
    historical
12. 2024-04-17
    price $175,900
13. 2024-04-17
    price $175,900
14. 2023-02-01
    listed $186,600 New
15. 2022-08-07
    historical
16. 2022-02-07
    listed $186,000 New
17. 2022-01-28
    historical
18. 2021-08-30
    listed $186,300 New

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 67% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 59% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,832
• − Mortgage interest: −$7,613
• − Property taxes: −$2,038
• − Insurance: −$680
• − Repairs & maintenance: −$1,347
• − Management: −$1,347
• − Depreciation: −$3,953
• Taxable loss: −$145
• Est. tax savings @ 24.0%: +$35
• After-tax cash flow: $2,062/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

Fair 45/100 Cosmetic rehab

This chalet is in fair condition with cosmetic updates needed to improve its resale and rental value. The kitchen and bathrooms are in need of modernization.

Repairs flagged

• Moderate kitchen cabinets — dated and in need of replacement
• Moderate kitchen appliances — outdated and in need of replacement
• Minor bathroom fixtures — basic and in need of updating

Value-add opportunities

• Resale update kitchen cabinets and appliances — modernizing the kitchen will attract more buyers
• Resale update bathrooms with new fixtures and tiling — modern bathrooms will appeal to more buyers
• Both paint interior walls and update window treatments — improving the interior will make the home more appealing for both resale and rental

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · dated and in need of replacement	Moderate	$3,000–15,000
kitchen appliances · outdated and in need of replacement	Moderate	$3,000–15,000
bathroom fixtures · basic and in need of updating	Minor	$500–3,000
Total estimated repair cost · 3 items		$6,500–33,000

Value-add ROI direction

• Resale update kitchen cabinets and appliances — modernizing the kitchen will attract more buyers ↑
• Resale update bathrooms with new fixtures and tiling — modern bathrooms will appeal to more buyers ↑
• Both paint interior walls and update window treatments — improving the interior will make the home more appealing for both resale and rental ↑

ⓘ 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: Harris County
• NCES district ID: 1302700
• Math proficiency: 41% ▼ -10.00%
• Reading proficiency: 43% ▼ -9.00%
• Median HH income: $66,705
• Composite: 37.75/100
• National rank: #4350
• State rank: #27 of 174 in GA

Livability — Pine Mountain

• Score: 60/100
• State rank: #372
• US rank: #18917

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 5,555

Population outlook (Harris County) Hauer SSP2

• Today (2025): 35,683 people
• By 2030: 36,673 · +2.8%
• By 2040: 38,038 · +6.6%
• By 2050: 38,782 · +8.7%
• By 2075: 41,279 · +15.7%
• By 2100: 41,103 · +15.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 32% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Portuguese 2% Italian 1% Serbian 1%
• Foreign-born: 0% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Harris

• 2024 margin: Solid R (+46.1) · D 26.7% · R 72.8%
• 2008→2024 swing: -2.8pp toward R · 2008: -43.4pp · 2024: -46.1pp
• All cycles: 2024: R+46.1 2020: R+44.3 2016: R+47.9 2012: R+45.6 2008: R+43.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.86%
• Current HPI: 209.4038
• 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

-27.1% since first listed

18 events — show timeline

• 2026-05-11 Pending — GAMLS
• 2026-05-11 Pending — CBOR
• 2026-04-03 Relisted — GAMLS
• 2026-04-03 Relisted — CBOR
• 2026-04-01 Delisted — CBOR
• 2026-03-31 Listing Removed — GAMLS
• 2026-03-26 Price Changed $135,900 GAMLS
• 2025-12-22 Price Changed $135,900 CBOR
• 2025-08-04 Listed $150,900 CBOR
• 2025-08-04 Listed $150,900 GAMLS
• 2024-08-17 Listing Removed — GAMLS
• 2024-04-17 Price Changed $175,900 GAMLS
• 2024-04-17 Price Changed $175,900 CBOR
• 2023-02-01 Listed $186,600 GAMLS
• 2022-08-07 Listing Removed — GAMLS
• 2022-02-07 Listed $186,000 GAMLS
• 2022-01-28 Listing Removed — GAMLS
• 2021-08-30 Listed $186,300 GAMLS