34 Lawrence Dr · Ringgold, GA 30736

$188,000

3 bd · 1.0 ba · 1,508 sqft · SingleFamily public records · 34 Days on market

Built 1970 0.32 ac lot $125/sqft · 27% below area Est $256k · 27% under ↓ 35% 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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +4.2/10.0
• Rent growth +4.2/5.0
• Livability +3.8/5.0
• Schools +3.3/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

Key facts

• Downtown ringgold
• Additional parking
• Fenced in back yard

Tags

• HERITAGE SCHOOL ZONE
• DOWNTOWN RINGGOLD
• LITTLE GENERAL CHILDREN'S PARK
• RINGGOLD NATURAL TRAIL
• FENCED IN BACK YARD
• ADDITIONAL PARKING

Property features AI

Exterior

• Parking: Attached garage (1 car); Driveway parking; Off-street parking; Garage faces side; Basement access to parking; Concrete surfaces
• Utilities: Public water; Septic tank sewer
• Home design: Residential single-family home
• Construction: Block foundation; Block, brick, and vinyl siding construction
• Exterior features: Rain gutters; Front porch; Rear porch; Back yard; Chain link fence with gate; Corner lot; Front yard

Interior

• Kitchen: Oven; Microwave; Dishwasher; Free-standing refrigerator; Free-standing electric range
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning; Ceiling fan(s)
• Interior features: Ceiling fans; Eat-in kitchen; Pantry; Full basement
• Laundry & utility: Electric water heater; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $188k.

Deal economics

• At list price, monthly cash flow is $238 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $174k (7.7% below list).
• Recommended offer: $174k (7.7% below list) — sets the bar for 1% rule.
• Cap rate 7.8% vs local median 3.2% in Ringgold — 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 76/100 on livability (#28 in GA, #3,772 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B; Watch: amenities C-, commute F, employment D-.
• Catoosa County (suburban): math 36% / reading 41% proficiency, ranked #49 of 174 in GA (top 28%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Ringgold Elementary School (math 42% / reading 42%, grade F, #380 of 1,228 statewide, top 33%, 441 students, 42% FRL); Heritage Middle School (math 44% / reading 52%, grade C-, #80 of 470 statewide, top 17%, 882 students, 31% FRL); Heritage High School (math 38% / reading 45%, grade F, #52 of 424 statewide, top 12%, 1,242 students, 23% FRL).
• Market conditions: Rents rising fast (+6.8%/yr); 353 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 848 units permitted in Catoosa County in 2024 (256 in 5+ unit buildings).

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.
• Catoosa County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 6.8% rent growth), your $53k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Risks & watch-outs

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

Recommended offer $173,552 (7.7% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 0.92% ✗
• Cap rate: 7.81%
• Cash-on-cash: 5.43%
• DSCR: 1.24
• GRM: 9.0

CMA / ARV

• ARV (median comp): $255,992
• List price: $188,000
• Delta: -26.56%
• 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
587 Holcomb Rd	0.06mi	3/1.0	1,526 (+1%)	8mo	$240,000	$157	89
20 Lawrence Cir	0.08mi	4/2.0 (+1)	1,600 (+6%)	8mo	$265,000	$166	70
14 June Ln	0.33mi	3/2.0	1,612 (+7%)	1mo	$260,000	$161	68
244 Everett Rd	0.11mi	3/2.0	1,376 (-9%)	12mo	$220,000	$160	66
134 Bryson Cir	0.66mi	3/2.0	1,560 (+3%)	6mo	$281,000	$180	54
134 Bryson Cir	0.66mi	3/2.0	1,560 (+3%)	6mo	$281,000	$180	54
255 Chambers Ln	0.34mi	3/2.0	1,380 (-8%)	14mo	$265,000	$192	54
59 Willowbrook Drive Dr	0.68mi	3/2.0	1,593 (+6%)	6mo	$310,000	$195	50
184 Peachtree Cir	0.60mi	3/3.0	1,688 (+12%)	4mo	$326,500	$193	41
141 Sunset Dr	0.54mi	3/2.0	1,308 (-13%)	11mo	$284,900	$218	39
1225 Baggett Rd	0.67mi	3/2.0	1,669 (+11%)	11mo	$360,000	$216	38
158 Smokewood Ln	0.73mi	3/3.0	1,299 (-14%)	0mo	$190,000	$146	35

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 · 6.84% rent growth · sell at horizon

5-year hold

• IRR: -4.1%
• Equity multiple: 0.84×
• Total profit: $-8,410
• Equity at exit: $28,031

10-year hold

• IRR: 9.2%
• Equity multiple: 1.81×
• Total profit: $42,829
• Equity at exit: $16,255

Cash invested: $52,640 (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 30736

• Home prices YoY: -21.9%
• Rents YoY: 6.8%
• Active inventory: 353
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,736 medium
• Mortgage (P&I): −$986
• Tax from tax record: −$69 /mo · $824/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$364
• Net cashflow: $238

Break-even live

Break-even rent $1,434

Max offer price $188,000

Occupancy floor 81%

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: $47,000
• Closing costs: $5,640
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
137 Jason Ct Ringgold, GA	3.0	1.5	1100	$1,823	$1.66	44d	1	0.53mi

Listing history 22 events

1. 2026-06-18
   days on market $188,000 Active 34 DOM
2. 2026-06-17
   days on market $188,000 Active 33 DOM
3. 2026-06-16
   days on market $188,000 Active 32 DOM
4. 2026-06-15
   days on market $188,000 Active 31 DOM
5. 2026-06-14
   days on market $188,000 Active 29 DOM
6. 2026-06-10
   days on market $188,000 Active 26 DOM
7. 2026-06-09
   days on market $188,000 Active 25 DOM
8. 2026-06-08
   days on market $188,000 Active 24 DOM
9. 2026-06-07
   days on market $188,000 Active 23 DOM
10. 2026-06-03
    days on market $188,000 Active 19 DOM
11. 2026-06-02
    days on market $188,000 Active 18 DOM
12. 2026-06-01
    days on market $188,000 Active 17 DOM
13. 2026-05-31
    days on market $188,000 Active 16 DOM
14. 2026-05-30
    days on market $188,000 Active 15 DOM
15. 2026-05-15
    listed $188,000 Active 1235-char remark
16. 2025-04-30
    soldstatus $263,000
17. 2025-04-29
    soldstatus $263,000 Closed 597-char remark

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

18. 2025-04-29
    soldstatus $263,000

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

19. 2025-04-07
    historical Active Under Contract 597-char remark

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

20. 2025-04-03
    price $250,000 597-char remark

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

21. 2025-03-20
    price $275,000 597-char remark

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

22. 2025-03-13
    listed $290,000 Active 597-char remark

    Show marketing remark (597 chars)

    Welcome to your dream home in Ringgold, GA! This 3-bedroom, 2-bath gem sits in a prime location with easy access to the interstate and downtown Ringgold. Fresh paint, updated flooring, newer cabinets, countertops and an expanded primary bedroom bring a modern touch upstairs. Downstairs, you'll find a finished lower level with sleek concrete floors, a bathroom, and plenty of space to customize however you like. The back yard is set up for a garden so you can grow your favorite plants as well as a spot to add a small shed. Don't wait schedule a tour today and see how this home fits your life!

ⓘ 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: $824 · $69/mo
• Projected year-2 tax: $1,730 · $144/mo
• Expected delta: +$905/yr (+$75/mo · 109.8%)

ⓘ 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 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $20,826
• − Mortgage interest: −$10,531
• − Property taxes: −$824
• − Insurance: −$940
• − Repairs & maintenance: −$1,666
• − Management: −$1,666
• − Depreciation: −$5,469
• Taxable loss: −$270
• Est. tax savings @ 24.0%: +$65
• After-tax cash flow: $2,922/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: Catoosa County
• NCES district ID: 1300930
• Math proficiency: 36% ▼ -15.00%
• Reading proficiency: 41% ▼ -8.00%
• Median HH income: $48,913
• Composite: 33.13/100
• National rank: #5558
• State rank: #49 of 174 in GA

Livability — Ringgold

• Score: 76/100
• State rank: #28
• US rank: #3772

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Catoosa County · 52,244 people
• City population: 44,499
• Metro: Chattanooga, TN-GA
• Population (ZIP): 44,499
• Household income: $83,821
• Rent vs Own: 16.6% rent · 83.4% own
• Severe rent burden: 559.0

Population outlook (Catoosa County) Hauer SSP2

• Today (2025): 70,112 people
• By 2030: 71,621 · +2.2%
• By 2040: 73,595 · +5.0%
• By 2050: 73,921 · +5.4%
• By 2075: 72,135 · +2.9%
• By 2100: 65,979 · -5.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 3% Black 2% Asian 1%
• Common ancestry: Slovak 2% Italian 2% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Catoosa

• 2024 margin: Solid R (+55.5) · D 22.0% · R 77.5%
• 2008→2024 swing: -5.7pp toward R · 2008: -49.8pp · 2024: -55.5pp
• All cycles: 2024: R+55.5 2020: R+56.0 2016: R+60.7 2012: R+52.8 2008: R+49.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.42%
• Current HPI: 251.8824
• Rent YoY: ▲ 6.84%
• 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

-35.2% since first listed

8 events — show timeline

• 2026-05-15 Listed $188,000 GCAR
• 2025-04-30 Sold (Public Records) $263,000 Public Records
• 2025-04-29 Sold (MLS) $263,000 REALTRACS as Distributed by MLS Grid
• 2025-04-29 Sold (MLS) $263,000 GCAR
• 2025-04-07 Contingent — GCAR
• 2025-04-03 Price Changed $250,000 GCAR
• 2025-03-20 Price Changed $275,000 GCAR
• 2025-03-13 Listed $290,000 GCAR

Property tax history

-0.0%/yr

Latest (2025): $824 · +214.6% YoY. Source: county tax records.