703 Savage St · Camden, SC 29020

$208,000

3 bd · 1.0 ba · 1,207 sqft · SingleFamily public records · 111 Days on market

Built 1966 0.60 ac lot

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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).

• Cash flow +15.4/30.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• Schools +3.8/10.0
• Livability +3.1/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 703 Savage St, a home that has been tastefully updated to meet your needs. The interior has been refreshed with a coat of fresh paint, giving it a clean and modern look. The kitchen is equipped with new appliances, all of which are stainless steel, adding a touch of elegance and durability. The home also boasts a new roof, ensuring you'll be protected from the elements for years to come. The property features a fenced-in backyard, providing a safe space for outdoor activities. This home at is a perfect blend of comfort and convenience, ready for you to make it your own. . Included 100-Day Home Warranty with buyer activation Disclaimer: CMLS has not reviewed and, therefore, does

Key facts

• Fresh paint
• Stainless steel
• New appliances

Tags

• FRESH PAINT
• NEW APPLIANCES
• STAINLESS STEEL
• NEW ROOF
• FENCED-IN BACKYARD

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-story home
• Construction: Crawlspace foundation
• Exterior features: Partial brick above foundation and vinyl exterior; Paved road access; Approximately 0.6-acre lot

Interior

• Bedrooms: Master bedroom on the main level
• Bathrooms: One full bathroom
• Heating & cooling: Central cooling; Gas heating on the first level
• Interior features: One fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $208k.

Deal economics

• At list price, monthly cash flow is $80 ($955/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 $166k (20.4% below list).
• Recommended offer: $166k (20.4% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 3.8% in Camden — 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 61/100 on livability (#218 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities F.
• Kershaw 01 (rural): math 38% / reading 51% proficiency, ranked #25 of 80 in SC (top 31%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Camden Elementary (math 41% / reading 46%, grade F, #246 of 597 statewide, top 42%, 627 students, 65% FRL); Camden Middle (math 30% / reading 43%, grade F, #98 of 229 statewide, top 43%, 828 students, 100% FRL); Camden High (math 37% / reading 77%, grade C, #120 of 196 statewide, top 64%, 1,124 students, 71% FRL) — zoned schools average 78% FRL vs 49% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 239 active listings in the ZIP; 491 units permitted in Kershaw 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 $6k of value loss. Plan a longer hold.
• Kershaw County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 111 days — a 9% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $12k (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, 65% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $165,636 (20.4% below list)

Questions for the listing agent

1. It's been on market 111 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
2. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 0.80% ✗
• Cap rate: 6.75%
• Cash-on-cash: 1.64%
• DSCR: 1.07
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -13.8%
• Equity multiple: 0.51×
• Total profit: $-28,742
• Equity at exit: $31,013

10-year hold

• IRR: -5.0%
• Equity multiple: 0.68×
• Total profit: $-18,923
• Equity at exit: $17,984

Cash invested: $58,240 (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 29020

• Home prices YoY: -29.7%
• Active inventory: 239
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,656 medium
• Mortgage (P&I): −$1,091
• Tax from tax record: −$52 /mo · $618/yr
• Insurance: −$87
• HOA: −$0
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $80

Break-even live

Break-even rent $1,556

Max offer price $208,000

Occupancy floor 90%

Sensitivity live

Price	-10% $197	-5% $138	+0% $80	+5% $21	+10% $-38
Rent	-10% $-51	-5% $14	+0% $80	+5% $145	+10% $210
Rate	-1.0pp $184	-0.5pp $132	base $80	+0.5pp $26	+1.0pp $-29

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: $52,000
• Closing costs: $6,240
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-22
   statusdays on market $208,000 Pending 111 DOM
2. 2026-06-18
   days on market $208,000 Active - Contingent 108 DOM
3. 2026-06-17
   days on market $208,000 Active - Contingent 107 DOM
4. 2026-06-16
   days on market $208,000 Active - Contingent 106 DOM
5. 2026-06-15
   days on market $208,000 Active - Contingent 105 DOM
6. 2026-06-14
   days on market $208,000 Active - Contingent 103 DOM
7. 2026-06-09
   days on market $208,000 Active - Contingent 99 DOM
8. 2026-06-08
   days on market $208,000 Active - Contingent 98 DOM
9. 2026-06-07
   statusdays on market $208,000 Active - Contingent 97 DOM
10. 2026-06-05
    days on market $208,000 Active 94 DOM
11. 2026-06-03
    days on market $208,000 Active 93 DOM
12. 2026-06-03
    days on market $208,000 Active 92 DOM
13. 2026-06-02
    days on market $208,000 Active 91 DOM
14. 2026-05-31
    days on market $208,000 Active 90 DOM
15. 2026-04-02
    price $208,000
16. 2026-03-12
    price $213,000
17. 2026-03-02
    listed $220,000 Active
18. 2026-02-12
    soldstatus $185,700
19. 2021-03-15
    soldstatus $118,500
20. 2021-02-02
    historical
21. 2021-01-25
    status Active
22. 2021-01-09
    historical
23. 2021-01-05
    listed $122,900 Active
24. 2013-10-31
    soldstatus $82,000

ⓘ 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: $618 · $52/mo
• Projected year-2 tax: $1,186 · $99/mo
• Expected delta: +$567/yr (+$47/mo · 91.7%)

ⓘ 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 ≥106°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 65% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,876
• − Mortgage interest: −$11,651
• − Property taxes: −$618
• − Insurance: −$1,040
• − Repairs & maintenance: −$1,590
• − Management: −$1,590
• − Depreciation: −$6,051
• Taxable loss: −$2,664
• Est. tax savings @ 24.0%: +$639
• After-tax cash flow: $1,594/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: Kershaw 01
• NCES district ID: 4502550
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 51% ▲ 6.00%
• Median HH income: $44,585
• Composite: 37.66/100
• National rank: #4371
• State rank: #25 of 80 in SC

Livability — Camden

• Score: 61/100
• State rank: #218
• US rank: #18355

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Camden, SC
• Population (ZIP): 22,868

Population outlook (Kershaw County) Hauer SSP2

• Today (2025): 67,683 people
• By 2030: 69,374 · +2.5%
• By 2040: 71,936 · +6.3%
• By 2050: 73,292 · +8.3%
• By 2075: 75,762 · +11.9%
• By 2100: 72,620 · +7.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 28% Hispanic / Latino 6% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Serbian 2% Slovak 2% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · Kershaw

• 2024 margin: Strong R (+28.2) · D 35.3% · R 63.5% · Other 1.2%
• 2008→2024 swing: -9.5pp toward R · 2008: -18.7pp · 2024: -28.2pp
• All cycles: 2024: R+28.2 2020: R+23.1 2016: R+24.8 2012: R+18.6 2008: R+18.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.81%
• Current HPI: 227.0389
• Rent YoY: —
• Metro: —
• 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

+153.7% since first listed

10 events — show timeline

• 2026-04-02 Price Changed $208,000 Consolidated MLS
• 2026-03-12 Price Changed $213,000 Consolidated MLS
• 2026-03-02 Listed $220,000 Consolidated MLS
• 2026-02-12 Sold (Public Records) $185,700 Public Records
• 2021-03-15 Sold (Public Records) $118,500 Public Records
• 2021-02-02 Delisted — Consolidated MLS
• 2021-01-25 Relisted — Consolidated MLS
• 2021-01-09 Delisted — Consolidated MLS
• 2021-01-05 Listed $122,900 Consolidated MLS
• 2013-10-31 Sold (Public Records) $82,000 Public Records

Property tax history

-7.5%/yr

Latest (2025): $618 · +4.9% YoY. Source: county tax records.