107 North Pointe Dr · Centerville, GA 31028

$144,500

2 bd · 2.0 ba · 1,210 sqft · SingleFamily public records · 6 Days on market

Built 2003 $119/sqft · 9% below area Est $158k · 9% under

---

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 +27.4/30.0
• ARV discount +11.5/15.0
• DSCR +9.6/10.0
• 1% rule +6.7/10.0
• Schools +3.9/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this super cute home in the heart of Centerville! Conveniently located near shopping, dining, and I-75, this charming 2- bedroom, 2-bath home offers an open-concept layout perfect for comfortable living and entertaining. Spacious charm throughout a quaint and quiet neighborhood that feels like home the moment you arrive. Low- maintenance living in a fantastic location- don't miss this adorable gem.

Key facts

• Built 2003
• Listed 6 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Residential townhouse (single family attached)
• Construction: Brick and vinyl siding exterior
• Exterior features: Located in North Point Villa subdivision

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator; Microwave; Garbage disposal
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Dishwasher; Electric range; Refrigerator; Microwave; Garbage disposal

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $144k.

Deal economics

• At list price, monthly cash flow is $422 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $144k).
• Cap rate 9.8% vs local median 5.8% in Centerville — 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 73/100 on livability (#56 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: amenities F, commute F.
• Houston County (urban): math 43% / reading 46% proficiency, ranked #23 of 174 in GA (top 13%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Eagle Springs Elementary (math 45% / reading 47%, grade D-, #316 of 1,228 statewide, top 26%, 704 students, 66% FRL); Thomson Middle School (math 29% / reading 34%, grade F, #234 of 470 statewide, top 50%, 736 students, 84% FRL); Northside High School (math 5% / reading 21%, grade F, #331 of 424 statewide, top 78%, 1,959 students, 84% FRL) — zoned schools average 78% FRL vs 46% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 30% at this address vs 44% district-wide (-14 pts) — the specific schools serving this property underperform the Houston County average; the district grade overstates school quality for this exact location.
• Market conditions: 37 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,545 units permitted in Houston County in 2024 (336 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $999 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Houston County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $40k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 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.
• Current owner paid $80k; list at $144k implies a 81% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 73% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $144,500

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.17% ✓
• Cap rate: 9.80%
• Cash-on-cash: 12.51%
• DSCR: 1.56
• GRM: 7.1

CMA / ARV

• ARV (median comp): $158,494
• List price: $144,500
• Delta: -8.83%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
708 Houston Lake Blvd	0.19mi	3/2.0 (+1)	1,232 (+2%)	3mo	$215,000	$175	81
121 Northpointe Dr	0.04mi	2/2.0	1,132 (-6%)	9mo	$134,500	$119	80
107 Miller Ct	0.27mi	3/2.0 (+1)	1,125 (-7%)	2mo	$157,000	$140	69
106 Charter Ct	0.05mi	2/2.0	1,092 (-10%)	18mo	$126,000	$115	67
110 Charter Ct	0.06mi	2/2.0	1,092 (-10%)	18mo	$126,000	$115	66
204 Elizabeth Dr	0.44mi	2/2.0	1,248 (+3%)	12mo	$121,000	$97	64
111 Miller Ct	0.31mi	3/1.0 (+1)	1,248 (+3%)	11mo	$153,000	$123	62
209 Elizabeth Dr	0.39mi	3/1.0 (+1)	1,152 (-5%)	13mo	$159,900	$139	54
409 Davis Dr	0.44mi	3/2.0 (+1)	1,304 (+8%)	10mo	$184,000	$141	53
113 Brantley Rd	0.34mi	2/1.0	1,060 (-12%)	8mo	$52,000	$49	53
5 Pine Shadow Ct	0.66mi	2/2.0	1,162 (-4%)	18mo	$154,900	$133	48
403 Davis Dr	0.41mi	3/1.0 (+1)	1,092 (-10%)	12mo	$196,000	$179	46

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: 2.2%
• Equity multiple: 1.08×
• Total profit: $3,421
• Equity at exit: $21,545

10-year hold

• IRR: 11.8%
• Equity multiple: 1.93×
• Total profit: $37,460
• Equity at exit: $12,494

Cash invested: $40,460 (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 31028

• Home prices YoY: -21.7%
• Active inventory: 37
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,689 high
• Mortgage (P&I): −$758
• Tax from tax record: −$95 /mo · $1,135/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $422

Break-even live

Break-even rent $1,155

Max offer price $144,500

Occupancy floor 70%

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: $36,125
• Closing costs: $4,335
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
214 Ridgewood Dr Centerville, GA	2.0	2.0	980	$1,050	$1.07	21d	1	0.73mi
114 Tahoe Ln Warner Robins, GA	3.0	2.0	1349	$1,800	$1.33	44d	1	0.76mi
103 Abney Ct Centerville, GA	3.0	2.0	1500	$1,800	$1.20	21d	1	0.87mi
105 Arnold St Centerville, GA	2.0	1.5	1122	$1,295	$1.15	13d	1	0.95mi
431 Sentry Oak Dr Centerville, GA	3.0	2.0	1312	$1,695	$1.29	44d	1	0.99mi
213 Webb St Warner Robins, GA	3.0	2.0	1152	$1,600	$1.39	21d	1	1.13mi
111 Rainbow Ave Warner Robins, GA	3.0	2.0	1422	$1,695	$1.19	44d	1	1.15mi
111 Rainbow Ave Warner Robins, GA	3.0	2.0	1422	$1,695	$1.19	21d	1	1.15mi
800 Gunn Rd Centerville, GA	1.0–3.0	1.0–2.0	1100	$1,465	$1.33	13d	2	1.19mi

Listing history 4 events

1. 2026-05-13
   listed $144,500 Active 412-char remark
2. 2025-05-13
   historical $1,295
3. 2025-05-03
   listed $1,295
4. 2004-08-09
   soldstatus $79,900

ⓘ 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: $1,135 · $95/mo
• Projected year-2 tax: $1,329 · $111/mo
• Expected delta: +$194/yr (+$16/mo · 17.1%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 73% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,269
• − Mortgage interest: −$8,094
• − Property taxes: −$1,135
• − Insurance: −$722
• − Repairs & maintenance: −$1,622
• − Management: −$1,622
• − Depreciation: −$4,204
• Taxable income: $2,870
• Est. tax owed @ 24.0%: −$689
• After-tax cash flow: $4,373/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: Houston County
• NCES district ID: 1302880
• Math proficiency: 43% ▼ -7.00%
• Reading proficiency: 46% ▼ -2.00%
• Median HH income: $54,823
• Composite: 38.68/100
• National rank: #4144
• State rank: #23 of 174 in GA

Livability — Centerville

• Score: 73/100
• State rank: #56
• US rank: #5374

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Centerville, GA
• County: Houston County · 157,321 people
• City population: 6,312
• Metro: Warner Robins, GA
• Population (ZIP): 6,645
• Household income: $76,342
• Rent vs Own: 31.5% rent · 68.5% own
• Severe rent burden: 216.0

Population outlook (Houston County) Hauer SSP2

• Today (2025): 169,502 people
• By 2030: 178,486 · +5.3%
• By 2040: 194,642 · +14.8%
• By 2050: 207,119 · +22.2%
• By 2075: 231,480 · +36.6%
• By 2100: 235,034 · +38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: Black 45% White 41% Asian 6% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Armenian 3% Italian 3% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 87% English-only · Arabic 3% Other Indo-European 3% Spanish 2%

Political lean MEDSL · Houston

• 2024 margin: R (+11.3) · D 44.0% · R 55.3%
• 2008→2024 swing: +8.9pp toward D · 2008: -20.2pp · 2024: -11.3pp
• All cycles: 2024: R+11.3 2020: R+12.4 2016: R+21.6 2012: R+20.7 2008: R+20.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.75%
• Current HPI: 215.7835
• Rent YoY: —
• Metro: Warner Robins, 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

+80.9% since first listed

5 events — show timeline

• 2026-05-20 Pending — CGMLS
• 2026-05-13 Listed $144,500 CGMLS
• 2025-05-13 Rental Removed $1,295 CGMLS
• 2025-05-03 Listed for Rent $1,295 CGMLS
• 2004-08-09 Sold (Public Records) $79,900 Public Records

Property tax history

+5.8%/yr

Latest (2025): $1,135 · +6.6% YoY. Source: county tax records.