201 Laurelwood Cir · Chattanooga Valley, GA 30741

$222,900

3 bd · 1.5 ba · 1,118 sqft · SingleFamily public records · 91 Days on market

Built 1977 0.71 ac lot $199/sqft · 47% above area Est $230k · at est.

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Why this score? — see what drove the F 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).

• ARV discount +8.9/15.0
• Cash flow +5.0/30.0
• Rent growth +4.4/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• 1% rule +0.8/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 201 Laurelwood Circle- A charming split-level home nestled on a peaceful .71 acre corner lot in Rossville. This 3 bedroom 1.5 bath home offers 1,696 sqft of comfortable living space, including a full finished basement. The cozy living room features a newer double window that fills the space with natural light. The eat-in-kitchen showcases granite countertops, as well as a Long Island with barstool seating and convenient open shelving for storage or display. The back door through the kitchen leads to a huge back deck, perfect for relaxing and entertaining while taking in the private, wooded surroundings. All three bedrooms are nicely sized, with one featuring a unique octagon window adding extra charm. The downstairs den/man cave offers a warm retreat with wood paneling and a brick wood-burning stove, ideal for cozy evenings at home. Outside the level .71 acres is a birdwatcher's paradise and provides ample space for gardening, pets, or for a playground. Attached two-car garage ensures convenience. Enjoy the tranquility of country living with an easy commute- just a short drive to downtown Chattanooga, Fort Oglethorpe and Chickamauga.

Key facts

• Huge back deck
• Split-level home
• Granite countertops

Tags

• SPLIT-LEVEL HOME
• CORNER LOT
• FULL FINISHED BASEMENT
• GRANITE COUNTERTOPS
• OPEN SHELVING
• HUGE BACK DECK

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $223k.

Deal economics

• At list price, monthly cash flow is $-526 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (34.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $128k (42.4% below list).
• Recommended offer: $128k (42.4% below list) — sets the bar for 1% rule.
• Cap rate 3.5% vs local median 4.7% in Chattanooga Valley — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 58/100 on livability (#427 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A-, housing B+; Watch: amenities F, commute F, employment F.
• Walker County (rural): math 25% / reading 29% proficiency, ranked #114 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: Cherokee Ridge Elementary (math 36% / reading 35%, grade F, #519 of 1,228 statewide, top 42%, 562 students, 73% FRL); Chattanooga Valley Middle School (math 33% / reading 40%, grade F, #167 of 470 statewide, top 38%, 491 students, 67% FRL); Ridgeland High School (math 23% / reading 19%, grade F, #225 of 424 statewide, top 54%, 1,244 students, 70% FRL).
• Market conditions: Rents rising fast (+7.4%/yr); 430 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 347 units permitted in Walker County in 2024 (24 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Walker County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($203k) is reasonable based on typical stale-listing flexibility.
• 10 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.
• Current owner paid $88k; list at $223k implies a 152% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $128,456 (42.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 42% concession, seller financing, or rate buy-down credit?
3. Built in 1977 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.58% ✗
• Cap rate: 3.46%
• Cash-on-cash: -10.11%
• DSCR: 0.55
• GRM: 14.5

CMA / ARV

• ARV (median comp): $229,848
• List price: $222,900
• Delta: -3.02%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
123 Laurelwood Cir	0.17mi	3/1.5	1,032 (-8%)	11mo	$230,000	$223	70
1043 E Circle Dr	0.38mi	3/1.0	1,132 (+1%)	16mo	$210,000	$186	65
176 Hilltop Dr	0.40mi	3/1.5	1,188 (+6%)	9mo	$234,000	$197	63
1003 E Circle Dr	0.56mi	3/1.5	1,118 (0%)	15mo	$217,700	$195	61
171 Hilltop Dr	0.44mi	3/1.5	1,188 (+6%)	14mo	$224,500	$189	58
157 W Lewis St	0.38mi	3/1.0	984 (-12%)	4mo	$199,000	$202	57
965 W Circle Dr	0.62mi	3/1.5	1,196 (+7%)	18mo	$210,000	$176	44
1003 W Circle Dr	0.55mi	3/2.0	1,230 (+10%)	14mo	$146,000	$119	44

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 · 7.44% rent growth · sell at horizon

5-year hold

• IRR: -29.8%
• Equity multiple: -0.02×
• Total profit: $-63,581
• Equity at exit: $33,235

10-year hold

• IRR: -17.8%
• Equity multiple: -0.14×
• Total profit: $-71,427
• Equity at exit: $19,272

Cash invested: $62,412 (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 30741

• Home prices YoY: -30.7%
• Rents YoY: 7.4%
• Active inventory: 430
• Price-to-rent: 14.5×

Monthly cashflow live

• Estimated rent: $1,285 medium
• Mortgage (P&I): −$1,169
• Tax est. 1.5%: −$279 /mo · $3,344/yr
• Insurance: −$93
• HOA: −$0
• Vacancy / Maint / Mgmt: −$270
• Net cashflow: $-526

Break-even live

Break-even rent $1,950

Max offer price $146,843

Occupancy floor —

Sensitivity live

Price	-10% $-372	-5% $-449	+0% $-526	+5% $-603	+10% $-680
Rent	-10% $-627	-5% $-576	+0% $-526	+5% $-475	+10% $-424
Rate	-1.0pp $-413	-0.5pp $-469	base $-526	+0.5pp $-583	+1.0pp $-642

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: $55,725
• Closing costs: $6,687
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1005 Mountain View Dr Rossville, GA	2.0	1.0	800	$1,149	$1.44	15d	1	0.58mi
369 Keller Rd Unit 1 Rossville, GA	2.0	1.0	800	$999	$1.25	25d	1	0.60mi
1672 Johnson Rd Unit D Chickamauga, GA	2.0	1.0	900	$1,099	$1.22	45d	1	1.42mi

Listing history 50 events

1. 2026-06-21
   days on market $222,900 Active 91 DOM
2. 2026-06-18
   days on market $222,900 Active 88 DOM
3. 2026-06-17
   days on market $222,900 Active 87 DOM
4. 2026-06-16
   days on market $222,900 Active 86 DOM
5. 2026-06-15
   days on market $222,900 Active 85 DOM
6. 2026-06-14
   days on market $222,900 Active 83 DOM
7. 2026-06-13
   days on market $222,900 Active 82 DOM
8. 2026-06-10
   days on market $222,900 Active 80 DOM
9. 2026-06-09
   days on market $222,900 Active 79 DOM
10. 2026-06-08
    days on market $222,900 Active 78 DOM
11. 2026-06-07
    days on market $222,900 Active 77 DOM
12. 2026-06-05
    days on market $222,900 Active 74 DOM
13. 2026-06-03
    days on market $222,900 Active 73 DOM
14. 2026-06-02
    days on market $222,900 Active 72 DOM
15. 2026-06-01
    days on market $222,900 Active 71 DOM
16. 2026-05-31
    days on market $222,900 Active 70 DOM
17. 2026-05-30
    days on market $222,900 Active 69 DOM
18. 2026-04-09
    price $222,900 1163-char remark

    Show marketing remark (1163 chars)

    Welcome to 201 Laurelwood Circle- A charming split-level home nestled on a peaceful .71 acre corner lot in Rossville. This 3 bedroom 1.5 bath home offers 1,696 sqft of comfortable living space, including a full finished basement. The cozy living room features a newer double window that fills the space with natural light. The eat-in-kitchen showcases granite countertops, as well as a Long Island with barstool seating and convenient open shelving for storage or display. The back door through the kitchen leads to a huge back deck, perfect for relaxing and entertaining while taking in the private, wooded surroundings. All three bedrooms are nicely sized, with one featuring a unique octagon window adding extra charm. The downstairs den/man cave offers a warm retreat with wood paneling and a brick wood-burning stove, ideal for cozy evenings at home. Outside the level .71 acres is a birdwatcher's paradise and provides ample space for gardening, pets, or for a playground. Attached two-car garage ensures convenience. Enjoy the tranquility of country living with an easy commute- just a short drive to downtown Chattanooga, Fort Oglethorpe and Chickamauga.

19. 2026-04-09
    price $222,900 1163-char remark

    Show marketing remark (1163 chars)

    Welcome to 201 Laurelwood Circle- A charming split-level home nestled on a peaceful .71 acre corner lot in Rossville. This 3 bedroom 1.5 bath home offers 1,696 sqft of comfortable living space, including a full finished basement. The cozy living room features a newer double window that fills the space with natural light. The eat-in-kitchen showcases granite countertops, as well as a Long Island with barstool seating and convenient open shelving for storage or display. The back door through the kitchen leads to a huge back deck, perfect for relaxing and entertaining while taking in the private, wooded surroundings. All three bedrooms are nicely sized, with one featuring a unique octagon window adding extra charm. The downstairs den/man cave offers a warm retreat with wood paneling and a brick wood-burning stove, ideal for cozy evenings at home. Outside the level .71 acres is a birdwatcher's paradise and provides ample space for gardening, pets, or for a playground. Attached two-car garage ensures convenience. Enjoy the tranquility of country living with an easy commute- just a short drive to downtown Chattanooga, Fort Oglethorpe and Chickamauga.

20. 2026-03-16
    historical
21. 2026-03-09
    listed $224,900 New 1163-char remark

    Show marketing remark (1163 chars)

    Welcome to 201 Laurelwood Circle- A charming split-level home nestled on a peaceful .71 acre corner lot in Rossville. This 3 bedroom 1.5 bath home offers 1,696 sqft of comfortable living space, including a full finished basement. The cozy living room features a newer double window that fills the space with natural light. The eat-in-kitchen showcases granite countertops, as well as a Long Island with barstool seating and convenient open shelving for storage or display. The back door through the kitchen leads to a huge back deck, perfect for relaxing and entertaining while taking in the private, wooded surroundings. All three bedrooms are nicely sized, with one featuring a unique octagon window adding extra charm. The downstairs den/man cave offers a warm retreat with wood paneling and a brick wood-burning stove, ideal for cozy evenings at home. Outside the level .71 acres is a birdwatcher's paradise and provides ample space for gardening, pets, or for a playground. Attached two-car garage ensures convenience. Enjoy the tranquility of country living with an easy commute- just a short drive to downtown Chattanooga, Fort Oglethorpe and Chickamauga.

22. 2026-03-09
    listed $224,900 Active 1163-char remark

    Show marketing remark (1163 chars)

    Welcome to 201 Laurelwood Circle- A charming split-level home nestled on a peaceful .71 acre corner lot in Rossville. This 3 bedroom 1.5 bath home offers 1,696 sqft of comfortable living space, including a full finished basement. The cozy living room features a newer double window that fills the space with natural light. The eat-in-kitchen showcases granite countertops, as well as a Long Island with barstool seating and convenient open shelving for storage or display. The back door through the kitchen leads to a huge back deck, perfect for relaxing and entertaining while taking in the private, wooded surroundings. All three bedrooms are nicely sized, with one featuring a unique octagon window adding extra charm. The downstairs den/man cave offers a warm retreat with wood paneling and a brick wood-burning stove, ideal for cozy evenings at home. Outside the level .71 acres is a birdwatcher's paradise and provides ample space for gardening, pets, or for a playground. Attached two-car garage ensures convenience. Enjoy the tranquility of country living with an easy commute- just a short drive to downtown Chattanooga, Fort Oglethorpe and Chickamauga.

23. 2026-03-06
    historical
24. 2026-02-06
    price $224,900
25. 2026-02-06
    price $224,900
26. 2026-02-06
    price $224,900
27. 2026-02-06
    price $224,900
28. 2026-02-04
    status Active
29. 2026-02-04
    status Active
30. 2026-01-29
    price $224,900
31. 2026-01-29
    price $224,900
32. 2026-01-29
    status Active
33. 2026-01-14
    status Pending
34. 2026-01-09
    status Pending
35. 2026-01-03
    historical Active Under Contract
36. 2025-12-05
    price $229,900
37. 2025-12-05
    price $229,900
38. 2025-12-05
    price $229,900
39. 2025-12-05
    price $229,900
40. 2025-12-05
    price $229,900
41. 2025-12-05
    price $229,900
42. 2025-10-18
    listed $239,900 Active
43. 2025-10-18
    listed $239,900 Active
44. 2025-10-18
    listed $239,900 Active
45. 2025-10-18
    listed $239,900 Active
46. 2025-10-18
    listed $239,900 Active
47. 2025-10-13
    historical
48. 2025-10-13
    historical
49. 2025-10-10
    historical
50. 2022-06-20
    soldstatus $88,500

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 13% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,415
• − Mortgage interest: −$12,486
• − Property taxes: −$3,344
• − Insurance: −$1,114
• − Repairs & maintenance: −$1,233
• − Management: −$1,233
• − Depreciation: −$6,484
• Taxable loss: −$10,480
• Est. tax savings @ 24.0%: +$2,515
• After-tax cash flow: $-3,792/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: Walker County
• NCES district ID: 1305370
• Math proficiency: 25% ▼ -10.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $39,889
• Composite: 22.74/100
• National rank: #8035
• State rank: #114 of 174 in GA

Livability — Chattanooga Valley

• Score: 58/100
• State rank: #427
• US rank: #20953

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Walker County · 48,831 people
• City population: 30,041
• Metro: Chattanooga, TN-GA
• Population (ZIP): 30,041
• Household income: $58,834
• Rent vs Own: 32.3% rent · 67.7% own
• Severe rent burden: 834.0

Population outlook (Walker County) Hauer SSP2

• Today (2025): 66,050 people
• By 2030: 64,305 · -2.6%
• By 2040: 60,127 · -9.0%
• By 2050: 55,551 · -15.9%
• By 2075: 44,886 · -32.0%
• By 2100: 34,015 · -48.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Black 5% Two or more races 5% Hispanic / Latino 5%
• Common ancestry: Slovak 3% Iranian 2% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+59.3) · D 20.1% · R 79.4%
• 2008→2024 swing: -12.5pp toward R · 2008: -46.8pp · 2024: -59.3pp
• All cycles: 2024: R+59.3 2020: R+59.3 2016: R+61.5 2012: R+50.2 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -118.05%
• Current HPI: 267.0047
• Rent YoY: ▲ 7.44%
• Metro: Chattanooga, TN-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

Price history

+151.9% since first listed

33 events — show timeline

• 2026-04-09 Price Changed $222,900 FMLS
• 2026-04-09 Price Changed $222,900 GAMLS
• 2026-03-16 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2026-03-09 Listed $224,900 FMLS
• 2026-03-09 Listed $224,900 GAMLS
• 2026-03-06 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2026-02-06 Price Changed $224,900 RCAOR
• 2026-02-06 Price Changed $224,900 CCARMLS
• 2026-02-06 Price Changed $224,900 NEGBOR
• 2026-02-06 Price Changed $224,900 REALTRACS as Distributed by MLS Grid
• 2026-02-04 Relisted — RCAOR
• 2026-02-04 Relisted — REALTRACS as Distributed by MLS Grid
• 2026-01-29 Price Changed $224,900 GCAR
• 2026-01-29 Price Changed $224,900 REALTRACS as Distributed by MLS Grid
• 2026-01-29 Relisted — REALTRACS as Distributed by MLS Grid
• 2026-01-14 Pending — RCAOR
• 2026-01-09 Pending — REALTRACS as Distributed by MLS Grid
• 2026-01-03 Contingent — REALTRACS as Distributed by MLS Grid
• 2025-12-05 Price Changed $229,900 RCAOR
• 2025-12-05 Price Changed $229,900 CCARMLS
• 2025-12-05 Price Changed $229,900 REALTRACS as Distributed by MLS Grid
• 2025-12-05 Price Changed $229,900 NEGBOR
• 2025-12-05 Price Changed $229,900 GCAR
• 2025-12-05 Price Changed $229,900 REALTRACS as Distributed by MLS Grid
• 2025-10-18 Listed $239,900 CCARMLS
• 2025-10-18 Listed $239,900 RCAOR
• 2025-10-18 Listed $239,900 REALTRACS as Distributed by MLS Grid
• 2025-10-18 Listed $239,900 NEGBOR
• 2025-10-18 Listed $239,900 REALTRACS as Distributed by MLS Grid
• 2025-10-13 Coming Soon — REALTRACS as Distributed by MLS Grid
• 2025-10-13 Coming Soon — RCAOR
• 2025-10-10 Coming Soon — REALTRACS as Distributed by MLS Grid
• 2022-06-20 Sold (Public Records) $88,500 Public Records

Property tax history

-14.5%/yr

Latest (2025): $157 · -1.4% YoY. Source: county tax records.