207 Stone Ridge Ct · Jasper, GA 30143

$360,000

3 bd · 3.5 ba · 3,006 sqft · SingleFamily · 81 Days on market

Built 2000 Good condition 0.49 ac lot $120/sqft · 31% below area Est $519k · 31% under $374/mo HOA · 8% of rent ↓ 10% since listing

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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 +23.8/30.0
• ARV discount +15.0/15.0
• DSCR +7.7/10.0
• 1% rule +7.5/10.0
• Condition / age +3.8/5.0
• Livability +3.7/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks-offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

Key facts

• Wet bar
• Mountain home
• Hardwood floors

Tags

• MOUNTAIN RESORT LIVING
• MOUNTAIN HOME
• HARDWOOD FLOORS
• MAIN-LEVEL PRIMARY SUITE
• GENEROUS FAMILY ROOM
• WET BAR

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath single-family listed at $360k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $693 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $360k).
• Recommended offer: $338k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 2.8% in Jasper — 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 74/100 on livability (#44 in GA, #4,976 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: schools D, amenities D-, commute F.
• Pickens County (rural): math 35% / reading 35% proficiency, ranked #59 of 174 in GA (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 713 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 260 units permitted in Pickens County in 2024 (0 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 $11k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($338k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask is 25% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Recommended offer $338,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 81 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 1.25% ✓
• Cap rate: 8.60%
• Cash-on-cash: 8.25%
• DSCR: 1.37
• GRM: 6.7

CMA / ARV

• ARV (median comp): $518,741
• List price: $360,000
• Delta: -30.60%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
66 Tamarack Pt	0.67mi	4/2.5 (+1)	2,845 (-5%)	1mo	$749,999	$264	50
130 Starcross Ln	0.60mi	3/2.5	3,424 (+14%)	14mo	$533,200	$156	33
469 Starcross Ln	0.55mi	4/3.0 (+1)	3,416 (+14%)	19mo	$490,000	$143	28

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: -3.7%
• Equity multiple: 0.86×
• Total profit: $-13,892
• Equity at exit: $53,677

10-year hold

• IRR: 6.1%
• Equity multiple: 1.46×
• Total profit: $45,956
• Equity at exit: $31,126

Cash invested: $100,800 (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 30143

• Home prices YoY: -14.4%
• Active inventory: 713
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $4,500 medium
• Mortgage (P&I): −$1,888
• Tax est. 1.5%: −$450 /mo · $5,400/yr
• Insurance: −$150
• HOA: −$374
• Vacancy / Maint / Mgmt: −$945
• Net cashflow: $693

Break-even live

Break-even rent $3,623

Max offer price $360,000

Occupancy floor 80%

Sensitivity live

Price	-10% $942	-5% $818	+0% $693	+5% $569	+10% $444
Rent	-10% $338	-5% $515	+0% $693	+5% $871	+10% $1,049
Rate	-1.0pp $874	-0.5pp $785	base $693	+0.5pp $600	+1.0pp $505

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: $90,000
• Closing costs: $10,800
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
54 Villa Rd Unit 8 Jasper, GA	3.0	3.0	2382	$4,500	$1.89	2d	1	0.97mi

HOA detail

• Monthly dues: $374 · $4,488/yr

Listing history 22 events

1. 2026-06-18
   days on market $360,000 Active 81 DOM
2. 2026-06-17
   days on market $360,000 Active 80 DOM
3. 2026-06-16
   days on market $360,000 Active 79 DOM
4. 2026-06-15
   days on market $360,000 Active 78 DOM
5. 2026-06-13
   days on market $360,000 Active 76 DOM
6. 2026-06-13
   days on market $360,000 Active 75 DOM
7. 2026-06-09
   days on market $360,000 Active 72 DOM
8. 2026-06-08
   days on market $360,000 Active 71 DOM
9. 2026-06-07
   days on market $360,000 Active 70 DOM
10. 2026-06-04
    days on market $360,000 Active 67 DOM
11. 2026-06-03
    days on market $360,000 Active 66 DOM
12. 2026-06-02
    days on market $360,000 Active 65 DOM
13. 2026-06-01
    days on market $360,000 Active 64 DOM
14. 2026-05-31
    days on market $360,000 Active 63 DOM
15. 2026-05-18
    price $385,000 829-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

16. 2026-05-18
    price $385,000 835-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

17. 2026-03-29
    price $389,000 829-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

18. 2026-03-29
    price $389,000 835-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

19. 2026-03-27
    listed $289,000 New 829-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

20. 2026-03-27
    listed $289,000 Active 835-char remark

    Show marketing remark (835 chars)

    ENJOY MOUNTAIN RESORT LIVING - North Georgia Style! Beautiful mountain home in BENT TREE. This charming 3 bedroom, 3 and a half bath spacious home features beautiful hardwood floors, and a spacious main-level primary suite. Two additional bedrooms and baths occupy the lower terrace level, which also offers a generous family room with new luxury vinyl flooring and a wet bar. The well-equipped kitchen provides abundant cabinets and counter space for entertaining, while both levels step out to full-size decks—offering winter mountain vistas and summer privacy. Ample storage completes this picture. This home is priced to sell "as is", with a little TLC this could be the perfect full time home or mountain retreat. Bent Tree is a mountain resort with golf, hiking trails, a lake and so much more! Come check it out!

21. 2026-03-19
    historical
22. 2026-03-07
    listed $429,000 Active

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $54,000
• − Mortgage interest: −$20,166
• − Property taxes: −$5,400
• − Insurance: −$1,800
• − Repairs & maintenance: −$4,320
• − Management: −$4,320
• − HOA: −$4,488
• − Depreciation: −$10,473
• Taxable income: $3,034
• Est. tax owed @ 24.0%: −$728
• After-tax cash flow: $7,589/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

Good 75/100 Cosmetic rehab

This charming 3-bedroom home in Bent Tree offers beautiful hardwood floors, a spacious main-level primary suite, and a lower terrace level with a family room and wet bar. The property is priced to sell 'as is', but with some cosmetic updates, it could be the perfect mountain retreat.

Value-add opportunities

• Resale paint exterior — enhances curb appeal
• Rental trim bushes — improves privacy and aesthetics

Renovation cost estimate screening

Value-add ROI direction

• Resale paint exterior — enhances curb appeal ↑
• Rental trim bushes — improves privacy and aesthetics ↑

ⓘ 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: Pickens County
• NCES district ID: 1304110
• Math proficiency: 35% ▼ -11.00%
• Reading proficiency: 35% ▼ -5.00%
• Median HH income: $53,760
• Composite: 30.72/100
• National rank: #6165
• State rank: #59 of 174 in GA

Livability — Jasper

• Score: 74/100
• State rank: #44
• US rank: #4976

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 26,738
• Population (ZIP): 26,738

Population outlook (Pickens County) Hauer SSP2

• Today (2025): 32,161 people
• By 2030: 32,815 · +2.0%
• By 2040: 33,427 · +3.9%
• By 2050: 33,077 · +2.8%
• By 2075: 31,291 · -2.7%
• By 2100: 27,205 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 5% Two or more races 5%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Slovak 5% Serbian 2% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4%

Political lean MEDSL · Pickens

• 2024 margin: Solid R (+65.8) · D 16.8% · R 82.6%
• 2008→2024 swing: -7.8pp toward R · 2008: -57.9pp · 2024: -65.8pp
• All cycles: 2024: R+65.8 2020: R+65.7 2016: R+69.2 2012: R+67.6 2008: R+57.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.27%
• Current HPI: 280.6731
• 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

-10.3% since first listed

8 events — show timeline

• 2026-05-18 Price Changed $385,000 GAMLS
• 2026-05-18 Price Changed $385,000 FMLS
• 2026-03-29 Price Changed $389,000 GAMLS
• 2026-03-29 Price Changed $389,000 FMLS
• 2026-03-27 Listed $289,000 FMLS
• 2026-03-27 Listed $289,000 GAMLS
• 2026-03-19 Listing Removed — FMLS
• 2026-03-07 Listed $429,000 FMLS