Summary
1221 ETHRIDGE MILL ROAD, GRIFFIN, GA is a $132,330 loan offering structured as a first lien position on a renovation project in GRIFFIN, GA listed on Groundfloor.
The offering carries a stated rate of 13%, a term of 12 months, a loan-to-value of 75.2%, and a minimum investment of $10.
It is secured by Real estate at 1221 ETHRIDGE MILL ROAD, GA, and the borrowing entity is Vicinia Homes LLC.
According to the offering circular, the loan is a first lien, on the property at 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA 30224, with a 12-month term, a 13% rate to the borrower.
AltStreet tracks 14 other Groundfloor offerings in GRIFFIN, GA, with disclosed rates ranging from 8% to 14%, and across 4,355 tracked Groundfloor offerings the median disclosed rate is 10.5%.
Terms shown here are drawn from SEC filing 0001104659-20-107101 and were captured by AltStreet on 2026-05-31. Figures are as disclosed at the time of the offering and are not updated for subsequent performance.
Disclosed Terms
- Offering amount
- $132,330
- Stated rate
- 13%
- Term
- 12 months
- Loan-to-value
- 75.2%
- Position
- First Lien
- Minimum investment
- $10
- Project type
- Renovation
- Collateral
- Real Estate
- Return type
- Interest
- Borrowing entity
- Vicinia Homes LLC
- Status
- Active
- Target return
- 13%
- Collateral in place at close
- Yes
- Property address
- 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA 30224
- Lien position
- First Lien
- Loan term
- 12 months
- Rate to borrower
- 13%
- Loan-to-ARV
- 75.2%
- Loan principal
- $132,330
- Maximum offering
- $132,330
- Offering circular
- Form 1-A POS 0001104659-20-107101
Terms as disclosed at the time of the offering. AltStreet does not update these figures for subsequent performance, and a disclosed rate is not a realized return.
Where It Sits in Groundfloor's Book
Disclosed rate
13%
Above 86% of peers, median 10.5%. High for the book.
Hold period
12 mo
Above 19% of peers, median 12 mo. Low for the book.
Loan to value
75.2%
Above 99% of peers, median 67.9%. High for the book.
Compared against 4,323 other Groundfloor real estate offerings with a disclosed rate. 1,423 of them are in GA, where the median disclosed rate is 10.5%. A percentile places a disclosed term, not a result. Browse the full Groundfloor book.
Filing Record
1221 ETHRIDGE MILL ROAD, GRIFFIN, GA is offered under Groundfloor's Regulation A (Form 1-A) program, a single SEC registrant that covers 1,266 tracked offerings. The program's filing history runs from 1-A on Mar 24, 2023 to 1-K on Apr 1, 2026. Those filings describe the program, not this loan; the terms above are this offering's own.
13 audited annual statements are on file for this issuer.
From SEC EDGAR, as filed. Issuer filing history.
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Terminal Analysis
Terminal analysis for this offering
Terminal access unlocks rate, LTV, and term percentiles against every tracked peer, the borrower's prior-loan repayment record, the full valuation and cost stack, and more.
Access full researchQuestions About This Offering
What is 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA?
1221 ETHRIDGE MILL ROAD, GRIFFIN, GA is a $132,330 loan offering structured as a first lien position on a renovation project in GRIFFIN, GA listed on Groundfloor. The offering carries a stated rate of 13%, a term of 12 months, a loan-to-value of 75.2%, and a minimum investment of $10. It is secured by Real estate at 1221 ETHRIDGE MILL ROAD, GA, and the borrowing entity is Vicinia Homes LLC.
What interest rate does 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA pay?
The offering carries a stated rate of 13% over a term of 12 months, as disclosed at the time of the offering on Groundfloor. Stated rates are not guaranteed returns; repayment depends on the borrower and the underlying collateral.
What is the loan-to-value on 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA?
The disclosed loan-to-value is 75.2% on the property in GRIFFIN, GA. For fix-and-flip and construction lending, this ratio is typically measured against after-repair value rather than the current as-is value, so it reflects a projected valuation rather than a realized one.
Who is the issuer of 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA?
The securities are issued by GRE1.
What property backs 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA?
The offering circular identifies the property as 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA 30224. The loan is a first lien. Loan-to-after-repair-value is disclosed as 75.2%.
What is the minimum investment for 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA?
The disclosed minimum is $10. Eligibility, availability, and the current status of this offering are determined by Groundfloor, not by AltStreet.
Is 1221 ETHRIDGE MILL ROAD, GRIFFIN, GA still open to investors?
AltStreet's record shows the offering as active. AltStreet tracks this offering from SEC filings, last captured 2026-05-31. Offering status changes without a corresponding filing in many cases, so current availability should be confirmed directly with Groundfloor before acting.
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