210 E 14th St St SW · Rome, GA 30161

$149,000

3 bd · 1.0 ba · 1,284 sqft · SingleFamily public records · 4 Days on market

Built 1935 0.30 ac lot Est $178k · 17% under

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +19.5/30.0
• ARV discount +14.9/15.0
• DSCR +6.1/10.0
• 1% rule +4.3/10.0
• Rent growth +4.1/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seller is motivated! Are you looking into getting into income producing rentals or adding to your current portfolio? Then this property would be a good one to do that with. Steady tenant already in place. Property does need some TLC, but the price does reflect that. Schedule your appointment today.

Key facts

• 0.3 acre lot
• Listed 3 days

Property features AI

Finance

• Financial info: Annual tax amount listed

Exterior

• Parking: Concrete parking
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer
• Home design: Single-family residence, site-built; One level / single story
• Construction: Metal roof; Crawl space foundation
• Exterior features: Deck; Lot approximately 100 x 133 (0.3 acre)

Interior

• Kitchen: Electric oven; Electric range; Refrigerator
• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air; Ceiling fans
• Interior features: Electric oven and electric range; Refrigerator; Electric water heater; Vinyl flooring; Smoke detectors
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $168 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $138k (7.4% below list).
• Recommended offer: $138k (7.4% below list) — sets the bar for 1% rule.
• Cap rate 7.6% vs local median 3.3% in Rome — 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 64/100 on livability (#266 in GA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Rome City (urban): math 27% / reading 29% proficiency, ranked #112 of 174 in GA (top 64%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Anna K. Davie Elementary (math 2% / reading 8%, grade F, #1,160 of 1,228 statewide, top 98%, 434 students, 94% FRL); Rome Middle School (math 32% / reading 35%, grade F, #206 of 470 statewide, top 45%, 966 students, 55% FRL); Rome High School (math 12% / reading 15%, grade F, #325 of 424 statewide, top 78%, 2,095 students, 66% FRL) — zoned schools at 72% FRL track the district average.
• Market conditions: Rents rising fast (+6.3%/yr); 411 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; 355 units permitted in Floyd County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Floyd County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 8 sale attempts since 4y ago 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 $45k; list at $149k implies a 231% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $138,001 (7.4% below list)

Questions for the listing agent

1. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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.
6. 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.
7. 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: 0.93% ✗
• Cap rate: 7.65%
• Cash-on-cash: 4.83%
• DSCR: 1.21
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $178,476
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
414 E 17th St SW	0.31mi	3/2.0	1,304 (+2%)	5mo	$222,000	$170	75
419 E 13th St SW	0.29mi	3/1.0	1,185 (-8%)	3mo	$175,000	$148	71
525 E 14th St	0.38mi	3/1.0	1,362 (+6%)	3mo	$110,000	$81	69
407 E 19th St SW	0.36mi	3/2.5	1,355 (+6%)	1mo	$180,000	$133	68
308 E 20th St SW	0.45mi	3/1.0	1,360 (+6%)	12mo	$84,900	$62	59
2 Fair SW	0.61mi	2/1.0 (-1)	1,246 (-3%)	4mo	$190,000	$152	58
1901 Hull Ave SW	0.39mi	3/2.5	1,444 (+12%)	3mo	$200,000	$139	52
19 N Blanche Ave SW	0.67mi	2/1.0 (-1)	1,236 (-4%)	12mo	$145,000	$117	48
210 E Main St SW	0.54mi	3/2.0	1,458 (+14%)	3mo	$85,000	$58	45
2512 Callier Springs Rd	0.67mi	3/1.0	1,100 (-14%)	6mo	$87,000	$79	40
115 E Boundary	0.67mi	3/2.0	1,104 (-14%)	3mo	$210,000	$190	39
117 E Boundary St	0.67mi	3/2.0	1,104 (-14%)	3mo	$214,900	$195	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 6.28% rent growth · sell at horizon

5-year hold

• IRR: -5.5%
• Equity multiple: 0.79×
• Total profit: $-8,793
• Equity at exit: $22,216

10-year hold

• IRR: 7.4%
• Equity multiple: 1.64×
• Total profit: $26,579
• Equity at exit: $12,883

Cash invested: $41,720 (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 30161

• Rents YoY: 6.3%
• Active inventory: 411
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,380 medium
• Mortgage (P&I): −$781
• Tax from tax record: −$79 /mo · $946/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $168

Break-even live

Break-even rent $1,167

Max offer price $149,000

Occupancy floor 83%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
331 S McLin St SW Rome, GA	3.0	1.0	1108	$1,250	$1.13	43d	1	0.40mi
202 E 19th St SW Rome, GA	2.0	2.0	1308	$1,250	$0.96	43d	1	0.40mi
413 E 2nd St Rome, GA	2.0	1.5	1328	$1,275	$0.96	43d	1	1.30mi
48 Chateau Dr SE Rome, GA	1.0–2.0	1.0–1.5	802	$2,200	$2.74	43d	5	1.41mi
50 Chateau Dr SE Rome, GA	2.0–3.0	1.5–2.0	1255	$1,599	$1.27	2d	4	1.46mi

Listing history 5 events

1. 2026-06-19
   days on market $149,000 Active 4 DOM
2. 2026-06-18
   days on market $149,000 Active 3 DOM
3. 2026-06-17
   days on market $149,000 Active 2 DOM
4. 2026-06-15
   remarks 699-char remark
5. 2026-06-15
   listed $149,000 Active 1 DOM

ⓘ 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: $946 · $79/mo
• Projected year-2 tax: $1,371 · $114/mo
• Expected delta: +$424/yr (+$35/mo · 44.9%)

ⓘ 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 6/10 Major 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 18% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,560
• − Mortgage interest: −$8,346
• − Property taxes: −$946
• − Insurance: −$745
• − Repairs & maintenance: −$1,325
• − Management: −$1,325
• − Depreciation: −$4,335
• Taxable loss: −$462
• Est. tax savings @ 24.0%: +$111
• After-tax cash flow: $2,125/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: Rome City
• NCES district ID: 1304440
• Math proficiency: 27% ▼ -14.00%
• Reading proficiency: 29% ▼ -4.00%
• Median HH income: $34,889
• Composite: 23.1/100
• National rank: #7963
• State rank: #112 of 174 in GA

Livability — Rome

• Score: 64/100
• State rank: #266
• US rank: #14459

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rome, GA
• County: Floyd County · 77,706 people
• City population: 77,706
• Metro: Rome, GA
• Population (ZIP): 34,705
• Household income: $61,667
• Rent vs Own: 39.3% rent · 60.7% own
• Severe rent burden: 1104.0

Population outlook (Floyd County) Hauer SSP2

• Today (2025): 96,321 people
• By 2030: 95,532 · -0.8%
• By 2040: 93,332 · -3.1%
• By 2050: 90,850 · -5.7%
• By 2075: 84,989 · -11.8%
• By 2100: 76,097 · -21.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 20% Hispanic / Latino 7% Two or more races 6% Asian 1%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Slovak 3% Serbian 2% Italian 2%
• Foreign-born: 5% · Canada
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 1%

Political lean MEDSL · Floyd

• 2024 margin: Solid R (+42.0) · D 28.8% · R 70.7%
• 2008→2024 swing: -5.6pp toward R · 2008: -36.4pp · 2024: -42.0pp
• All cycles: 2024: R+42.0 2020: R+41.1 2016: R+43.5 2012: R+39.9 2008: R+36.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -186.06%
• Current HPI: 257.8168
• Rent YoY: ▲ 6.28%
• Metro: Rome, 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

+65.6% since first listed

29 events — show timeline

• 2026-06-13 Listed $149,000 CCARMLS
• 2025-06-03 Sold (Public Records) $45,000 Public Records
• 2025-05-30 Sold (MLS) $45,000 GAMLS
• 2025-05-30 Sold (MLS) $45,000 FMLS
• 2025-05-04 Pending — GAMLS
• 2025-05-04 Pending — FMLS
• 2025-04-16 Price Changed $59,900 GAMLS
• 2025-04-16 Price Changed $59,900 FMLS
• 2025-03-20 Relisted — GAMLS
• 2025-03-20 Relisted — FMLS
• 2025-03-20 Price Changed $68,900 GAMLS
• 2025-03-20 Price Changed $68,900 FMLS
• 2025-03-15 Pending — GAMLS
• 2025-03-15 Pending — FMLS
• 2025-02-10 Price Changed $75,000 GAMLS
• 2025-02-10 Price Changed $75,000 FMLS
• 2025-01-06 Listed $80,000 GAMLS
• 2025-01-06 Listed $80,000 FMLS
• 2023-03-03 Sold (Public Records) $290,000 Public Records
• 2023-03-01 Sold (MLS) $60,000 REALTRACS as Distributed by MLS Grid
• 2023-03-01 Sold (MLS) $60,000 GCAR
• 2023-01-03 Delisted — GCAR
• 2022-11-07 Price Changed $65,000 GCAR
• 2022-11-07 Relisted — GCAR
• 2022-10-10 Delisted — GCAR
• 2022-09-22 Price Changed $85,000 GCAR
• 2022-09-18 Relisted — GCAR
• 2022-08-19 Contingent — GCAR
• 2022-07-09 Listed $90,000 GCAR

Property tax history

+8.9%/yr

Latest (2025): $946 · +10.1% YoY. Source: county tax records.