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433 Elliots Ln
D- Composite 38.92
Why this score? — see what drove the D- 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 +15.0/15.0
  • Cash flow +8.3/30.0
  • Schools +3.5/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +2.3/10.0
  • 1% rule +1.6/10.0
  • Appreciation +0.0/10.0

$379,000

433 Elliots Ln · Dahlonega, GA 30533
5 bd · 2.5 ba · 1,701 sqft · SingleFamily public records · 358 Days on market
Built 2001 1.59 ac lot $223/sqft · 17% below area Est $456k · 17% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

Key facts

  • Secluded haven
  • Peaceful cul-de-sac
  • Spacious lot

Tags

SECLUDED HAVENPEACEFUL CUL-DE-SACSPACIOUS LOTCLEAR CREEKEXPANSIVE BACK DECKOPEN-CONCEPT LIVING AREA

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 5-bed/2.5-bath single-family listed at $379k.

Deal economics

  • At list price, monthly cash flow is $-346 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $318k (16.1% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $250k (34.1% below list).
  • Recommended offer: $250k (34.1% below list) — sets the bar for 1% rule.
  • Cap rate 5.2% vs local median 3.1% in Dahlonega — 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 65/100 on livability (#241 in GA) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+; Watch: schools D+, employment D, housing D.
  • Lumpkin County (rural): math 38% / reading 45% proficiency, ranked #41 of 174 in GA (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 378 active listings in the ZIP; 277 units permitted in Lumpkin County in 2024 (0 in 5+ unit buildings).
  • This rent runs 40% of the median local income ($74k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
  • Lumpkin County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 358 days — a 12% lower offer ($334k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 14y ago; this cycle's ask has dropped $70k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $200k; list at $379k implies a 90% gain — meaningful room to come down on a strong offer.
Recommended offer $249,729 (34.1% 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 358 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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?
  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
0.66%
Cap rate
5.20%
Cash-on-cash
-3.91%
DSCR
0.83
GRM
12.6

CMA / ARV

ARV (median comp)
$456,121
List price
$379,000
Delta
-16.91%
Verdict
UNDERPRICED
Comps
3 within 1.0 mi

Projected returns pro-forma

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

5-year hold
IRR
-22.9%
Equity multiple
0.21×
Total profit
$-83,584
Equity at exit
$56,510
10-year hold
IRR
-17.5%
Equity multiple
0.04×
Total profit
$-101,738
Equity at exit
$32,769

Cash invested: $106,120 (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.

ZIP-level market 30533

Home prices YoY
-3.3%
Active inventory
378
Price-to-rent
12.6×

Monthly cashflow live

Estimated rent
$2,497 medium interval (Pro) →
Mortgage (P&I)
$1,988
Tax from tax record
$173 /mo · $2,078/yr
Insurance
$158
HOA
$0
Vacancy / Maint / Mgmt
$524
Net cashflow
$-346

Break-even live

Break-even rent $2,935
Max offer price $317,918
Occupancy floor

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
$94,750
Closing costs
$11,370
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.

Listing history 32 events

  1. 2026-06-18
    days on market $379,000 Active 358 DOM
  2. 2026-06-17
    days on market $379,000 Active 357 DOM
  3. 2026-06-16
    days on market $379,000 Active 356 DOM
  4. 2026-06-15
    days on market $379,000 Active 355 DOM
  5. 2026-06-14
    days on market $379,000 Active 353 DOM
  6. 2026-06-10
    days on market $379,000 Active 350 DOM
  7. 2026-06-09
    days on market $379,000 Active 349 DOM
  8. 2026-06-08
    days on market $379,000 Active 348 DOM
  9. 2026-06-07
    days on market $379,000 Active 347 DOM
  10. 2026-06-05
    days on market $379,000 Active 344 DOM
  11. 2026-06-03
    days on market $379,000 Active 343 DOM
  12. 2026-06-02
    days on market $379,000 Active 342 DOM
  13. 2026-06-01
    days on market $379,000 Active 341 DOM
  14. 2026-05-31
    days on market $379,000 Active 340 DOM
  15. 2026-05-31
    days on market $379,000 Active 339 DOM
  16. 2026-05-01
    price $379,000 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  17. 2026-02-06
    price $385,000 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  18. 2025-10-03
    price $399,000 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  19. 2025-08-19
    price $419,000 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  20. 2025-07-16
    price $439,000 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  21. 2025-06-25
    listed $449,000 New 2397-char remark
    Show marketing remark (2397 chars)

    Recently updated in April, this private Dahlonega retreat offers the space, setting, and flexibility buyers are looking for. Tucked away on a peaceful cul-de-sac, 433 Elliots Lane is a 5-bedroom, 2-bath ranch home with an unfinished basement set on 1.59 private acres with a blend of open yard, mature trees, and a clear creek, creating a beautiful North Georgia setting that feels peaceful and secluded while still being convenient to town. Inside, the home offers an inviting layout designed for both comfort and versatility. The kitchen was refreshed in April with new countertops, a new sink, a new faucet, and freshly painted cabinets, giving the heart of the home an updated feel buyers will appreciate. The main living area is open and welcoming, while a separate formal living room adds extra space for relaxing, entertaining, or creating a cozy second den. The fifth bedroom provides flexibility for a home office, playroom, guest room, or hobby space. Step outside to the expansive back deck and enjoy views of your private backyard, wooded surroundings, and creek. Whether you are hosting, unwinding after a long day, or simply enjoying the outdoors, this property offers the kind of usable outdoor space that is hard to find. A separate storage shed adds even more room for tools, equipment, or outdoor gear. The nearly 750 square feet of unfinished basement space, with its own entrance, offers excellent potential for storage, workshop space, or future expansion. With generous parking and a private driveway, this home combines practical functionality with the privacy so many buyers want in Dahlonega real estate. Located about 15 minutes from downtown Dahlonega and convenient to the new Publix, Northeast Georgia Medical Center Lumpkin, and GA-400, this property offers the best of both worlds: a quiet, private setting with easy access to shopping, dining, healthcare, and commuter routes. If you have been searching for a private home with acreage in Dahlonega, a ranch home with a creek, or a property with room to grow and enjoy North Georgia living, 433 Elliots Lane is a must-see. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. Photos & lot lines may be virtually staged to assist buyers in visualizing the property's potential. Contact the listing agent for more information or to schedule a private showing.

  22. 2022-01-06
    status Pending 214-char remark
    Show marketing remark (214 chars)

    Great Investor Opportunity or someone who wants to do a little work. Large 3 bed on a basement. Huge private 1.6 acre lot. Nothing but woods behind you. Located on a private road with expensive homes all around.

  23. 2022-01-03
    soldstatus $200,000
  24. 2021-12-23
    soldstatus $200,000 Closed 214-char remark
    Show marketing remark (214 chars)

    Great Investor Opportunity or someone who wants to do a little work. Large 3 bed on a basement. Huge private 1.6 acre lot. Nothing but woods behind you. Located on a private road with expensive homes all around.

  25. 2021-12-23
    soldstatus $200,000 Sold
    Show marketing remark (214 chars)

    Great Investor Opportunity or someone who wants to do a little work. Large 3 bed on a basement. Huge private 1.6 acre lot. Nothing but woods behind you. Located on a private road with expensive homes all around.

  26. 2021-11-16
    listed $230,000 Active 214-char remark
    Show marketing remark (214 chars)

    Great Investor Opportunity or someone who wants to do a little work. Large 3 bed on a basement. Huge private 1.6 acre lot. Nothing but woods behind you. Located on a private road with expensive homes all around.

  27. 2021-11-16
    listed $230,000 New
    Show marketing remark (214 chars)

    Great Investor Opportunity or someone who wants to do a little work. Large 3 bed on a basement. Huge private 1.6 acre lot. Nothing but woods behind you. Located on a private road with expensive homes all around.

  28. 2012-03-26
    soldstatus $49,750
  29. 2012-03-26
    soldstatus $49,750
  30. 2012-02-10
    listed $55,000
  31. 2012-02-10
    listed $55,000
  32. 2001-04-24
    soldstatus $23,000

ⓘ 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
$2,078 · $173/mo
Projected year-2 tax
$3,487 · $291/mo
Expected delta
+$1,408/yr (+$117/mo · 67.8%)

ⓘ 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 3/10 Moderate
  • 🌡 Heat 4/10 Moderate 7 d/yr ≥101°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 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
$29,967
− Mortgage interest
−$21,230
− Property taxes
−$2,078
− Insurance
−$1,895
− Repairs & maintenance
−$2,397
− Management
−$2,397
− Depreciation
−$11,025
Taxable loss
−$11,056
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,653
After-tax cash flow
$-1,496/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
Lumpkin County
NCES district ID
1303420
Math proficiency
38% ▼ -10.00%
Reading proficiency
45% ▼ -3.00%
Median HH income
$43,380
Composite
35.08/100
National rank
#5023
State rank
#41 of 174 in GA

Livability — Dahlonega

Score
65/100
State rank
#241
US rank
#13603

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Lumpkin County · 28,049 people
City population
28,049
Metro
nan
Population (ZIP)
28,049
Household income
$74,035
Rent vs Own
24.6% rent · 75.4% own
Severe rent burden
710.0

Population outlook (Lumpkin County) Hauer SSP2

Today (2025)
33,244 people
By 2030
34,108 · +2.6%
By 2040
35,346 · +6.3%
By 2050
36,017 · +8.3%
By 2075
38,305 · +15.2%
By 2100
38,739 · +16.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (90%)
Race & ethnicity
White 90% Hispanic / Latino 5% Two or more races 4% Black 1% Asian 1%
Hispanic origin (detail)
Mexican 3%
Common ancestry
Slovak 3% Italian 3% Serbian 2%
Foreign-born
4% · Canada, China
Languages at home
94% English-only · Spanish 4% Other Asian/Pacific 1% French/Haitian/Cajun 1%

Political lean MEDSL · Lumpkin

2024 margin
Solid R (+61.7) · D 18.9% · R 80.5%
2008→2024 swing
-9.8pp toward R · 2008: -51.8pp · 2024: -61.7pp
All cycles
2024: R+61.7 2020: R+58.2 2016: R+60.0 2012: R+60.5 2008: R+51.8

Not yet ingested

Civics

Market trends

HPI YoY
▼ -10.95%
Current HPI
316.4948
Rent YoY
Metro
nan
State GDP YoY
▲ 2.66%
F500 in state
28

Industry mix (Fortune 500 HQ in GA)

Industry F500 HQs Revenue

Price history

+1547.8% since first listed
17 events — show timeline
  • 2026-05-01 Price Changed $379,000 GAMLS
  • 2026-02-06 Price Changed $385,000 GAMLS
  • 2025-10-03 Price Changed $399,000 GAMLS
  • 2025-08-19 Price Changed $419,000 GAMLS
  • 2025-07-16 Price Changed $439,000 GAMLS
  • 2025-06-25 Listed $449,000 GAMLS
  • 2022-01-06 Pending FMLS
  • 2022-01-03 Sold (Public Records) $200,000 Public Records
  • 2021-12-23 Sold (MLS) $200,000 GAMLS
  • 2021-12-23 Sold (MLS) $200,000 FMLS
  • 2021-11-16 Listed $230,000 GAMLS
  • 2021-11-16 Listed $230,000 FMLS
  • 2012-03-26 Sold (MLS) $49,750 GAMLS
  • 2012-03-26 Sold (MLS) $49,750 FMLS
  • 2012-02-10 Listed $55,000 GAMLS
  • 2012-02-10 Listed $55,000 FMLS
  • 2001-04-24 Sold (Public Records) $23,000 Public Records

Property tax history

+13.3%/yr

Latest (2025): $2,078 · -1.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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