87 St. Moritz Dr · Pine Mountain, GA 31822

$99,000

3 bd · 1.5 ba · 1,104 sqft · SingleFamily · 315 Days on market

Built 1973 Fair condition 0.25 ac lot $90/sqft · 53% below area $535/mo HOA · 40% of rent ↓ 10% since listing

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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).

• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• Cash flow +6.7/30.0
• Schools +3.8/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• DSCR +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

Key facts

• Open floor plan
• Lake view
• Exposed beams

Tags

• LAKE VIEW
• OPEN FLOOR PLAN
• VAULTED CEILINGS
• EXPOSED BEAMS
• FULLY EQUIPPED KITCHEN
• BREAKFAST BAR

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $99k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-158 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $76k (23.1% below list).
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $76k (23.1% below list) — sets the bar for cash-flow.
• Cap rate 4.4% vs local median 1.6% in Pine Mountain — 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 60/100 on livability (#372 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-; Watch: amenities F, commute F, employment D-.
• Harris County (rural): math 41% / reading 43% proficiency, ranked #27 of 174 in GA (top 16%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Park Elementary School (math 37% / reading 37%, grade F, #485 of 1,228 statewide, top 41%, 560 students, 56% FRL); Creekside School (math 39% / reading 43%, grade F, #135 of 470 statewide, top 29%, 858 students, 30% FRL); Harris County High School (math 30% / reading 39%, grade F, #88 of 424 statewide, top 22%, 1,703 students, 25% FRL).
• Market conditions: 122 active listings in the ZIP; 189 units permitted in Harris County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Harris County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 315 days — a 12% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $11k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 40% of rent.

Recommended offer $76,109 (23.1% 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 315 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
4. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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?
10. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
11. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
12. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
13. 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.
14. 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.
15. 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: 1.36% ✓
• Cap rate: 4.38%
• Cash-on-cash: -6.85%
• DSCR: 0.70
• GRM: 6.1

CMA / ARV

• ARV (median comp): $209,064
• List price: $99,000
• Delta: -52.65%
• Verdict: UNDERPRICED
• Comps: 12 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
92 Chalet Cir	0.03mi	3/2.0	1,104 (0%)	4mo	$107,000	$97	94
90 Chalet Cir	0.02mi	3/2.0	1,248 (+13%)	7mo	$110,000	$88	69

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: -27.6%
• Equity multiple: 0.07×
• Total profit: $-25,769
• Equity at exit: $14,761

10-year hold

• IRR: -24.2%
• Equity multiple: -0.23×
• Total profit: $-33,995
• Equity at exit: $8,560

Cash invested: $27,720 (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 31822

• Home prices YoY: -21.9%
• Active inventory: 122
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,343 medium
• Mortgage (P&I): −$519
• Tax est. 1.5%: −$124 /mo · $1,485/yr
• Insurance: −$41
• HOA: −$535
• Vacancy / Maint / Mgmt: −$282
• Net cashflow: $-158

Break-even live

Break-even rent $1,543

Max offer price $76,109

Occupancy floor —

Sensitivity live

Price	-10% $-90	-5% $-124	+0% $-158	+5% $-192	+10% $-227
Rent	-10% $-264	-5% $-211	+0% $-158	+5% $-105	+10% $-52
Rate	-1.0pp $-108	-0.5pp $-133	base $-158	+0.5pp $-184	+1.0pp $-210

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $535 · $6,420/yr
• Likely covers: pool

Listing history 24 events

1. 2026-06-21
   days on market $99,000 Active 315 DOM
2. 2026-06-18
   days on market $99,000 Active 312 DOM
3. 2026-06-17
   days on market $99,000 Active 311 DOM
4. 2026-06-16
   days on market $99,000 Active 310 DOM
5. 2026-06-15
   days on market $99,000 Active 309 DOM
6. 2026-06-14
   days on market $99,000 Active 307 DOM
7. 2026-06-13
   days on market $99,000 Active 306 DOM
8. 2026-06-10
   days on market $99,000 Active 304 DOM
9. 2026-06-09
   days on market $99,000 Active 303 DOM
10. 2026-06-08
    days on market $99,000 Active 302 DOM
11. 2026-06-07
    days on market $99,000 Active 301 DOM
12. 2026-06-05
    days on market $99,000 Active 298 DOM
13. 2026-06-03
    days on market $99,000 Active 297 DOM
14. 2026-06-02
    days on market $99,000 Active 296 DOM
15. 2026-06-01
    days on market $99,000 Active 295 DOM
16. 2026-05-31
    days on market $99,000 Active 294 DOM
17. 2026-05-30
    days on market $99,000 Active 293 DOM
18. 2026-05-11
    status Back On Market 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

19. 2026-05-07
    status Under Contract 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

20. 2026-02-03
    status Price Change 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

21. 2026-02-03
    price $99,000 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

22. 2026-02-02
    historical 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

23. 2025-10-21
    price $102,000 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

24. 2025-08-05
    listed $110,000 New 2485-char remark

    Show marketing remark (2485 chars)

    DISCOVER YOUR MOUNTAIN ESCAPE IN PINE MOUNTAIN CLUB CHALETS RESORT! This beautifully furnished chalet, with a gorgeous lake view, is the perfect blend of rustic charm and modern comfort. Whether you're looking for a personal retreat or a vacation-ready property with income potential this turn-key getaway has everything you need. Step inside to an inviting open floor plan with soaring vaulted ceilings, exposed beams and an abundance of natural light. The main level offers two cozy bedrooms and a full bath while the upstairs loft includes a third sleeping area and convenient half bath-ideal for family and guests. The fully equipped kitchen features appliances, a breakfast bar and dining space making it perfect for both casual meals and entertaining. The front porch is the ideal spot to relax with your morning coffee or wind down in the evening, all while taking in that crisp mountain air and scenic lake view. This chalet comes fully furnished-from furniture and linens to kitchenware and decor-so you can start enjoying it right away. Located in the heart of Pine Mountain Club Chalets Resort, you'll have access to amazing amenities including a 12-acre fishing lake, swimming pool, playground, rec center, boating, mini golf, tennis, basketball, and volleyball courts-everything you need for year-round fun and relaxation. Just one mile from the entrance of Callaway Gardens and minutes from downtown Pine Mountain's shops and restaurants, you're also just 10 minutes from Warm Springs and have easy access to the interstate. Important to note: this is a vacation-use community only, so full-time living isn't allowed - preserving that true getaway feel. The onsite management encourages owners to put their chalets in the rental program which means built-in rental income when you're not using it. No outside rental companies are allowed, ensuring consistent care and management. The community isn't designed for high-volume renting-just a quality vacation experience with the bonus of supplemental income. Gross rental income for similar chalets averages $18,000-$22,000 annually, split 60/40 between the owner and Pine Mountain Club Chalets, which handles everything from advertising and guest check-ins to housekeeping and maintenance. Don't miss this chance to own a peaceful mountain retreat with income potential in one of Georgia's most charming resort communities! Please visit my website if you are not able to access GAMLS documents and viewing instructions.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $16,116
• − Mortgage interest: −$5,546
• − Property taxes: −$1,485
• − Insurance: −$495
• − Repairs & maintenance: −$1,289
• − Management: −$1,289
• − HOA: −$6,420
• − Depreciation: −$2,880
• Taxable loss: −$3,288
• Est. tax savings @ 24.0%: +$789
• After-tax cash flow: $-1,109/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

Fair 45/100 Moderate rehab

This chalet has potential for significant value increase with moderate renovations to the kitchen and bathroom, and landscaping improvements.

Repairs flagged

• Moderate kitchen cabinets — dated and in need of replacement
• Moderate kitchen appliances — outdated and in need of replacement
• Moderate bathroom fixtures — dated and in need of replacement
• Minor landscaping — overgrown vegetation

Value-add opportunities

• Resale update kitchen cabinets and appliances — modernizing the kitchen will attract more buyers
• Resale update bathroom fixtures — modernizing the bathroom will attract more buyers
• Both landscaping — improving the landscaping will enhance curb appeal and attract more renters

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · dated and in need of replacement	Moderate	$3,000–15,000
kitchen appliances · outdated and in need of replacement	Moderate	$3,000–15,000
bathroom fixtures · dated and in need of replacement	Moderate	$3,000–15,000
landscaping · overgrown vegetation	Minor	$500–3,000
Total estimated repair cost · 4 items		$9,500–48,000

Value-add ROI direction

• Resale update kitchen cabinets and appliances — modernizing the kitchen will attract more buyers ↑
• Resale update bathroom fixtures — modernizing the bathroom will attract more buyers ↑
• Both landscaping — improving the landscaping will enhance curb appeal and attract more renters ↑

ⓘ 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: Harris County
• NCES district ID: 1302700
• Math proficiency: 41% ▼ -10.00%
• Reading proficiency: 43% ▼ -9.00%
• Median HH income: $66,705
• Composite: 37.75/100
• National rank: #4350
• State rank: #27 of 174 in GA

Livability — Pine Mountain

• Score: 60/100
• State rank: #372
• US rank: #18917

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 5,555

Population outlook (Harris County) Hauer SSP2

• Today (2025): 35,683 people
• By 2030: 36,673 · +2.8%
• By 2040: 38,038 · +6.6%
• By 2050: 38,782 · +8.7%
• By 2075: 41,279 · +15.7%
• By 2100: 41,103 · +15.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 32% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Portuguese 2% Italian 1% Serbian 1%
• Foreign-born: 0% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Harris

• 2024 margin: Solid R (+46.1) · D 26.7% · R 72.8%
• 2008→2024 swing: -2.8pp toward R · 2008: -43.4pp · 2024: -46.1pp
• All cycles: 2024: R+46.1 2020: R+44.3 2016: R+47.9 2012: R+45.6 2008: R+43.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.86%
• Current HPI: 209.4038
• 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

-10.0% since first listed

7 events — show timeline

• 2026-05-11 Relisted — GAMLS
• 2026-05-07 Pending — GAMLS
• 2026-02-03 Relisted — GAMLS
• 2026-02-03 Price Changed $99,000 GAMLS
• 2026-02-02 Listing Removed — GAMLS
• 2025-10-21 Price Changed $102,000 GAMLS
• 2025-08-05 Listed $110,000 GAMLS