932 Trident Maple Ln · Lake Murray of Richland, SC 29036

$379,900

4 bd · 3.5 ba · 3,144 sqft · SingleFamily public records · 163 Days on market

Built 2018 6,708 sqft lot Est $396k · at est. $63/mo HOA · 2% of rent

---

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).

• Cash flow +13.1/30.0
• ARV discount +9.3/15.0
• Schools +4.5/10.0
• DSCR +3.9/10.0
• Livability +3.4/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to 932 Trident Maple Lane, located in the desirable Woodland Crossing community in Chapin, SC. This well-maintained 4 bedroom, 3.5 bath home offers a spacious open floor plan ideal for both everyday living and entertaining. The main level features brand-new flooring throughout, enhancing the bright and airy feel of the living spaces, along with a dedicated home office, perfect for remote work or a quiet study. The kitchen opens seamlessly to the living and dining areas and includes ample cabinetry, granite countertops, stainless steel appliances, and a large island for gathering. Upstairs you’ll find generously sized bedrooms, including a primary suite with a private bath

Key facts

• Brand-new flooring
• Ample cabinetry
• Large island

Tags

• BRAND-NEW FLOORING
• AMPLE CABINETRY
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• LARGE ISLAND
• FENCED BACKYARD

Property features AI

Finance

• HOA & community: Community with homeowners association; Association amenities include clubhouse, pool, common area and road maintenance, sidewalk maintenance, and maintained green areas

Exterior

• Parking: Attached garage on main level with 2 garage spaces; Total of 4 parking spaces
• Utilities: Public water; Public sewer
• Home design: Two-story single-family home
• Construction: Fiber cement (Hardie Plank) and stone exterior; Slab foundation
• Exterior features: Full gutters; Covered front porch; Screened back porch; Rear wood privacy fence

Interior

• Kitchen: Island; Eat-in area and bar seating; Pantry; Granite countertops; Tiled backsplash; Painted cabinets; Recessed lighting; Dishwasher; Microwave above stove; Refrigerator; Stove (free-standing gas) and vented exhaust; Disposal
• Bedrooms: Master suite with double vanity, garden tub, separate shower, private water closet, walk-in closet, vaulted/high ceilings, ceiling fan, private closet (located on second level); Bedroom 2 with double vanity, walk-in closet, shared Jack-and-Jill bath, tub/shower, ceiling fan, private closet (second level); Bedroom 3 with double vanity, private bath, walk-in closet, tub/shower, private closet (second level); Bedroom 4 with shared bath, tub/shower, ceiling fan, private closet (second level)
• Flooring: Luxury vinyl plank in formal dining, great room, and kitchen; Carpet and tile in bedrooms
• Bathrooms: Three full bathrooms; One half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Attic storage with pull-down access; Ceiling fans; Garage door opener; Smoke detectors; Gas log fireplace (natural)
• Laundry & utility: Electric laundry in heated utility room (washer/dryer area located on second level); Tankless water heater

What this means for you Summary

Snapshot

• This is a 4-bed/3.5-bath single-family listed at $380k.

Deal economics

• At list price, monthly cash flow is $-12 ($-143/yr) — negative.
• To cash-flow at today's rent, offer at most $378k (0.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $301k (20.7% below list).
• Recommended offer: $301k (20.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#102 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Lexington 05 (suburban): math 47% / reading 55% proficiency, ranked #5 of 80 in SC (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Lake Murray Elementary (math 78% / reading 82%, grade A+, #4 of 597 statewide, top 1%, 809 students, 18% FRL); Chapin Middle (math 50% / reading 57%, grade C+, #29 of 229 statewide, top 13%, 991 students, 27% FRL); Chapin High (math 82% / reading 91%, grade A, #7 of 196 statewide, top 4%, 1,615 students, 100% FRL) — zoned schools average 48% FRL vs 27% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 73% at this address vs 51% district-wide (+22 pts) — the actual schools serving this property are materially stronger than the Lexington 05 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 443 active listings in the ZIP; 2 comparable units currently listed for rent nearby; high-income renter base; 1,712 units permitted in Lexington County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($114k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Lexington County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 163 days — a 12% lower offer ($334k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y ago; this cycle's ask has dropped $20k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 49% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $301,278 (20.7% 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 163 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.79% ✗
• Cap rate: 6.26%
• Cash-on-cash: -0.13%
• DSCR: 0.99
• GRM: 10.5

CMA / ARV

• ARV (on-the-fly): $396,144
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
359 Sycamore Crest Way	0.18mi	4/3.5	3,108 (-1%)	18mo	$393,000	$126	74

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: -16.6%
• Equity multiple: 0.41×
• Total profit: $-62,418
• Equity at exit: $56,644

10-year hold

• IRR: -8.4%
• Equity multiple: 0.48×
• Total profit: $-55,728
• Equity at exit: $32,847

Cash invested: $106,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State South Carolina: 90 Strongly Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; landlord-favorable.

Methodology + full state rankings →

ZIP-level market 29036

• Active inventory: 443
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $3,013 medium
• Mortgage (P&I): −$1,992
• Tax from tax record: −$178 /mo · $2,142/yr
• Insurance: −$158
• HOA: −$63
• Vacancy / Maint / Mgmt: −$633
• Net cashflow: $-12

Break-even live

Break-even rent $3,028

Max offer price $377,794

Occupancy floor 95%

Sensitivity live

Price	-10% $203	-5% $96	+0% $-12	+5% $-119	+10% $-227
Rent	-10% $-250	-5% $-131	+0% $-12	+5% $107	+10% $226
Rate	-1.0pp $179	-0.5pp $85	base $-12	+0.5pp $-110	+1.0pp $-211

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: $94,975
• Closing costs: $11,397
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
425 Pine Log Run Chapin, SC	5.0	3.0	2588	$2,600	$1.00	13d	1	0.13mi
2019 Ludlow Pl Chapin, SC	5.0	3.5	3316	$2,990	$0.90	13d	1	0.52mi

HOA detail

• Monthly dues: $63 · $756/yr

Listing history 31 events

1. 2026-06-21
   days on market $379,900 Active 163 DOM
2. 2026-06-18
   days on market $379,900 Active 160 DOM
3. 2026-06-17
   days on market $379,900 Active 159 DOM
4. 2026-06-16
   days on market $379,900 Active 158 DOM
5. 2026-06-15
   days on market $379,900 Active 157 DOM
6. 2026-06-14
   days on market $379,900 Active 155 DOM
7. 2026-06-13
   days on market $379,900 Active 154 DOM
8. 2026-06-10
   pricedays on market $379,900 Active 152 DOM
9. 2026-06-09
   days on market $389,900 Active 151 DOM
10. 2026-06-08
    days on market $389,900 Active 150 DOM
11. 2026-06-07
    days on market $389,900 Active 149 DOM
12. 2026-06-03
    days on market $389,900 Active 145 DOM
13. 2026-06-03
    days on market $389,900 Active 144 DOM
14. 2026-06-01
    days on market $389,900 Active 143 DOM
15. 2026-05-31
    days on market $389,900 Active 142 DOM
16. 2026-03-05
    price $389,900
17. 2026-01-09
    listed $399,900 Active
18. 2023-09-20
    soldstatus $350,000
19. 2023-08-30
    status Pending
20. 2023-08-16
    historical Active - Contingent
21. 2023-08-13
    price $360,000
22. 2023-07-25
    price $365,000
23. 2023-07-10
    price $375,000
24. 2023-06-23
    listed $385,000 Active
25. 2019-03-23
    historical
26. 2019-03-19
    price $269,980
27. 2019-03-16
    price $259,990
28. 2019-03-09
    price $269,980
29. 2019-03-02
    price $269,990
30. 2019-01-18
    price $270,000
31. 2018-12-07
    listed $272,225 Active

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

Tax reassessment forecast SC · Resets to sale price

• Current annual tax: $2,142 · $178/mo
• Projected year-2 tax: $2,165 · $180/mo
• Expected delta: +$24/yr (+$2/mo · 1.1%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 49% 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: $36,153
• − Mortgage interest: −$21,280
• − Property taxes: −$2,142
• − Insurance: −$1,900
• − Repairs & maintenance: −$2,892
• − Management: −$2,892
• − HOA: −$756
• − Depreciation: −$11,052
• Taxable loss: −$6,761
• Est. tax savings @ 24.0%: +$1,623
• After-tax cash flow: $1,479/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: Lexington 05
• NCES district ID: 4502820
• Math proficiency: 47% ▼ -7.00%
• Reading proficiency: 55% ▼ -4.00%
• Median HH income: $67,732
• Composite: 45.28/100
• National rank: #2656
• State rank: #5 of 80 in SC

Livability — Lake Murray of Richland

• Score: 67/100
• State rank: #102
• US rank: #10903

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lexington County · 232,571 people
• City population: 179
• Metro: Columbia, SC
• Population (ZIP): 26,620
• Household income: $113,986
• Rent vs Own: 8.1% rent · 91.9% own
• Severe rent burden: 212.0

Population outlook (Lexington County) Hauer SSP2

• Today (2025): 322,999 people
• By 2030: 342,356 · +6.0%
• By 2040: 377,715 · +16.9%
• By 2050: 406,984 · +26.0%
• By 2075: 465,447 · +44.1%
• By 2100: 485,674 · +50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Asian 5% Two or more races 4% Black 3% Hispanic / Latino 3%
• Common ancestry: Lithuanian 4% Slovak 4% Italian 2%
• Foreign-born: 6% · Canada, South Korea, China
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 1% Korean 1%

Political lean MEDSL · Lexington

• 2024 margin: Solid R (+33.5) · D 32.5% · R 66.0% · Other 1.4%
• 2008→2024 swing: +4.6pp toward D · 2008: -38.0pp · 2024: -33.5pp
• All cycles: 2024: R+33.5 2020: R+30.1 2016: R+36.7 2012: R+37.8 2008: R+38.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -134.76%
• Current HPI: 248.3807
• Rent YoY: —
• Metro: Columbia, SC
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B

Price history

+43.2% since first listed

16 events — show timeline

• 2026-03-05 Price Changed $389,900 Consolidated MLS
• 2026-01-09 Listed $399,900 Consolidated MLS
• 2023-09-20 Sold (Public Records) $350,000 Public Records
• 2023-08-30 Pending — Consolidated MLS
• 2023-08-16 Contingent — Consolidated MLS
• 2023-08-13 Price Changed $360,000 Consolidated MLS
• 2023-07-25 Price Changed $365,000 Consolidated MLS
• 2023-07-10 Price Changed $375,000 Consolidated MLS
• 2023-06-23 Listed $385,000 Consolidated MLS
• 2019-03-23 Delisted — Consolidated MLS
• 2019-03-19 Price Changed $269,980 Consolidated MLS
• 2019-03-16 Price Changed $259,990 Consolidated MLS
• 2019-03-09 Price Changed $269,980 Consolidated MLS
• 2019-03-02 Price Changed $269,990 Consolidated MLS
• 2019-01-18 Price Changed $270,000 Consolidated MLS
• 2018-12-07 Listed $272,225 Consolidated MLS

Property tax history

+7.8%/yr

Latest (2024): $2,142 · +35.8% YoY. Source: county tax records.