42 Gobbler Ln · Clayton, GA 30525

$699,000

3 bd · 2.0 ba · 2,572 sqft · SingleFamily public records · 68 Days on market

Built 1997 4.56 ac lot $272/sqft · 34% above area Est $523k · 34% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• Appreciation +5.3/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Private Acreage. Thoughtful Design. A True North Georgia Retreat. Set on 4.56 acres in the peaceful beauty of Persimmon Valley, this inviting mountain home offers a rare combination of privacy, functionality, and timeless charm-equally suited as a full-time residence or the perfect "home away from home." With approximately 2,572 heated square feet and an additional 300-square-foot screened porch, the home is designed for effortless living. The main living areas open directly onto the porch, creating a seamless indoor-outdoor connection ideal for entertaining or enjoying quiet mornings surrounded by nature. A massive stacked stone fireplace anchors the heart of the home, elegantly defining the kitchen and living spaces while adding warmth and architectural character. The kitchen is both welcoming and practical, featuring abundant cabinetry, a walk-in pantry, and convenient access through a casual mudroom entry-perfect for everyday mountain living. Pristine hardwood floors throughout the main level enhance the cozy, refined cabin feel. The main-level primary suite offers comfort and convenience with a spacious bath, private water closet, dual closets, and an accessible shower designed for ease of use at any stage of life. Additional main-level spaces include a flexible bonus room-ideal as a media room, den, or expanded dining area-along with a bright sunroom that brings in natural light year-round. The terrace level extends the living space with two additional bedrooms, a full bath, and a welcoming den centered around a cheerful gas stove-perfect for gathering on cool mountain evenings. Two generously sized craft or storage rooms provide exceptional flexibility. For those who have always dreamed of having a true workshop, this property delivers in a way that is increasingly hard to find. Just steps from the home, a substantial workshop offers its own half bath and heating stove-creating an ideal space for projects, hobbies, or even a home-based business. Additional outbuildings provide wood storage and ample room for expansion, limited only by your imagination. A separate one-car garage, positioned apart from the main home, offers even more flexibility for vehicle storage or additional workspace. Gardeners will delight in the endless succession of blooming plants and shrubs surrounding the house. An herb bed tops off the variety of plantings. Whether you are seeking privacy, functionality, or the charm of a well-designed mountain retreat, 42 Gobble Gap Road presents a unique opportunity to enjoy it all in one exceptional setting.

Key facts

• Private acreage
• Welcoming den
• Flexible bonus room

Tags

• PRIVATE ACREAGE
• WALK IN PANTRY
• FLEXIBLE BONUS ROOM
• BRIGHT SUNROOM
• TWO ADDITIONAL BEDROOMS
• WELCOMING DEN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $699k.

Deal economics

• At list price, monthly cash flow is $4k ($45k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($10k rent vs $699k).
• Recommended offer: $657k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.8% vs local median 3.6% in Clayton — 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 66/100 on livability (#197 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: crime D, schools F, amenities F.
• Rabun County (rural): math 42% / reading 44% proficiency, ranked #37 of 174 in GA (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 256 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 147 units permitted in Rabun County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($5k loan paydown + $5k appreciation (0.7% local appreciation)).
• Rabun County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.7% appreciation + 3.0% rent growth), your $196k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($657k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $14k; list at $699k implies a 5078% gain — meaningful room to come down on a strong offer.

Recommended offer $657,060 (6.0% below list)

Questions for the listing agent

1. It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
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: 1.43% ✓
• Cap rate: 12.78%
• Cash-on-cash: 23.15%
• DSCR: 2.03
• GRM: 5.8

CMA / ARV

• ARV (median comp): $522,520
• List price: $699,000
• Delta: 33.77%
• Verdict: OVERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
245 Lookout Ridge Rd	0.46mi	3/2.0	2,360 (-8%)	0mo	$375,000	$159	65
50 Dove Wing Ln	0.41mi	3/2.5	2,842 (+10%)	23mo	$735,000	$259	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

0.68% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.6%
• Equity multiple: 2.24×
• Total profit: $242,344
• Equity at exit: $226,970

10-year hold

• IRR: 27.8%
• Equity multiple: 4.26×
• Total profit: $637,531
• Equity at exit: $292,805

Cash invested: $195,720 (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 30525

• Home prices YoY: 0.2%
• Active inventory: 256
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $10,000 medium
• Mortgage (P&I): −$3,666
• Tax from tax record: −$167 /mo · $2,002/yr
• Insurance: −$291
• HOA: −$0
• Vacancy / Maint / Mgmt: −$2,100
• Net cashflow: $3,776

Break-even live

Break-even rent $5,220

Max offer price $699,000

Occupancy floor 57%

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: $174,750
• Closing costs: $20,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
151 Timpson Cove Rd Clayton, GA	3.0	3.5	2713	$10,000	$3.69	43d	1	1.43mi

Listing history 17 events

1. 2026-06-18
   days on market $699,000 Active 68 DOM
2. 2026-06-17
   days on market $699,000 Active 67 DOM
3. 2026-06-16
   days on market $699,000 Active 66 DOM
4. 2026-06-15
   days on market $699,000 Active 65 DOM
5. 2026-06-13
   days on market $699,000 Active 63 DOM
6. 2026-06-12
   days on market $699,000 Active 62 DOM
7. 2026-06-09
   days on market $699,000 Active 59 DOM
8. 2026-06-08
   days on market $699,000 Active 58 DOM
9. 2026-06-07
   days on market $699,000 Active 57 DOM
10. 2026-06-07
    days on market $699,000 Active 56 DOM
11. 2026-06-04
    days on market $699,000 Active 53 DOM
12. 2026-06-02
    days on market $699,000 Active 52 DOM
13. 2026-06-01
    days on market $699,000 Active 51 DOM
14. 2026-05-31
    days on market $699,000 Active 50 DOM
15. 2026-05-31
    days on market $699,000 Active 49 DOM
16. 2026-04-11
    listed $699,000 New 2615-char remark

    Show marketing remark (2615 chars)

    Private Acreage. Thoughtful Design. A True North Georgia Retreat. Set on 4.56 acres in the peaceful beauty of Persimmon Valley, this inviting mountain home offers a rare combination of privacy, functionality, and timeless charm-equally suited as a full-time residence or the perfect "home away from home." With approximately 2,572 heated square feet and an additional 300-square-foot screened porch, the home is designed for effortless living. The main living areas open directly onto the porch, creating a seamless indoor-outdoor connection ideal for entertaining or enjoying quiet mornings surrounded by nature. A massive stacked stone fireplace anchors the heart of the home, elegantly defining the kitchen and living spaces while adding warmth and architectural character. The kitchen is both welcoming and practical, featuring abundant cabinetry, a walk-in pantry, and convenient access through a casual mudroom entry-perfect for everyday mountain living. Pristine hardwood floors throughout the main level enhance the cozy, refined cabin feel. The main-level primary suite offers comfort and convenience with a spacious bath, private water closet, dual closets, and an accessible shower designed for ease of use at any stage of life. Additional main-level spaces include a flexible bonus room-ideal as a media room, den, or expanded dining area-along with a bright sunroom that brings in natural light year-round. The terrace level extends the living space with two additional bedrooms, a full bath, and a welcoming den centered around a cheerful gas stove-perfect for gathering on cool mountain evenings. Two generously sized craft or storage rooms provide exceptional flexibility. For those who have always dreamed of having a true workshop, this property delivers in a way that is increasingly hard to find. Just steps from the home, a substantial workshop offers its own half bath and heating stove-creating an ideal space for projects, hobbies, or even a home-based business. Additional outbuildings provide wood storage and ample room for expansion, limited only by your imagination. A separate one-car garage, positioned apart from the main home, offers even more flexibility for vehicle storage or additional workspace. Gardeners will delight in the endless succession of blooming plants and shrubs surrounding the house. An herb bed tops off the variety of plantings. Whether you are seeking privacy, functionality, or the charm of a well-designed mountain retreat, 42 Gobble Gap Road presents a unique opportunity to enjoy it all in one exceptional setting.

17. 1991-11-01
    soldstatus $13,500

ⓘ 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: $2,002 · $167/mo
• Projected year-2 tax: $6,431 · $536/mo
• Expected delta: +$4,429/yr (+$369/mo · 221.2%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $120,000
• − Mortgage interest: −$39,155
• − Property taxes: −$2,002
• − Insurance: −$3,495
• − Repairs & maintenance: −$9,600
• − Management: −$9,600
• − Depreciation: −$20,335
• Taxable income: $35,814
• Est. tax owed @ 24.0%: −$8,595
• After-tax cash flow: $36,720/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: Rabun County
• NCES district ID: 1304320
• Math proficiency: 42% ▼ -17.00%
• Reading proficiency: 44% ▼ -4.00%
• Median HH income: $35,980
• Composite: 35.64/100
• National rank: #4882
• State rank: #37 of 174 in GA

Livability — Clayton

• Score: 66/100
• State rank: #197
• US rank: #12208

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 7,265

Population outlook (Rabun County) Hauer SSP2

• Today (2025): 16,227 people
• By 2030: 16,000 · -1.4%
• By 2040: 15,213 · -6.2%
• By 2050: 13,974 · -13.9%
• By 2075: 10,717 · -34.0%
• By 2100: 7,824 · -51.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 8% Two or more races 8%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Serbian 4% Slovak 3% Romanian 2%
• Foreign-born: 5% · Canada
• Languages at home: 91% English-only · Spanish 8% Other Indo-European 1%

Political lean MEDSL · Rabun

• 2024 margin: Solid R (+56.9) · D 21.3% · R 78.2%
• 2008→2024 swing: -11.0pp toward R · 2008: -45.9pp · 2024: -56.9pp
• All cycles: 2024: R+56.9 2020: R+57.4 2016: R+60.9 2012: R+56.4 2008: R+45.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.68%
• Current HPI: 310.5456
• 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

+5077.8% since first listed

2 events — show timeline

• 2026-04-11 Listed $699,000 GAMLS
• 1991-11-01 Sold (Public Records) $13,500 Public Records

Property tax history

+1.5%/yr

Latest (2025): $2,002 · -2.0% YoY. Source: county tax records.