14 Wimbledon Ct Unit 132-3 · Hilton Head Island, SC 29928

$29,900

2 bd · 2.0 ba · 1,328 sqft · Timeshare · 215 Days on market

Built 1997 $23/sqft · 95% below area $805/mo HOA · 23% of rent ↓ 35% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• Appreciation +6.6/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.1/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Walking distance to miles of pristine beach on Hilton Head Island, this beautifully maintained Ocean Palms villa offers the perfect blend of island charm and modern comfort. This deeded 1/5th share is ideal for a vacation getaways 10 weeks throughout the year or rent and exchange the weeks you can't use. Step inside to find a spacious, light-filled layout with serene views of lush landscaping and pool for morning coffee or evening cocktails. The fully equipped kitchen features granite countertops, updated appliances, and ample cabinetry, making it easy to entertain or unwind in style. Each bedroom is a private retreat with generous closet space and en-suite baths, offering comfort and privacy for guests and owners alike. Enjoy the convenience of in-unit laundry, thoughtful furnishings, and tasteful coastal décor throughout. Resort Amenities include: Access to The Westin Hilton Head Island Resort & Spa , championship golf and tennis privileges, pickleball, two outdoor pools, hot tub, grilling areas, complimentary shuttle to the beach and resort. Managed by the Westin Hotel. Rental program available.

Key facts

• $805 HOA
• Built 1997
• Listed 214 days

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath timeshare listed at $30k.

Deal economics

• At list price, monthly cash flow is $2k ($21k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $30k).
• Recommended offer: $26k (12.0% below list) — sets the bar for market timing.
• Cap rate 76.1% vs local median 3.0% in Hilton Head Island — 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 (#157 in SC) — a middle-class / working-renter tenant base. Strengths: employment A+, crime A-; Watch: amenities F, commute F, cost of living F.
• Beaufort 01 (town): math 42% / reading 51% proficiency, ranked #17 of 80 in SC (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+3.2%/yr); 845 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,824 units permitted in Beaufort County in 2024 (618 in 5+ unit buildings).
• This rent runs 43% of the median local income ($98k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $1k of equity ($207 loan paydown + $959 appreciation (3.2% local appreciation)).
• Beaufort County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.2% appreciation + 3.2% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 215 days — a 12% lower offer ($26k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y ago; this cycle's ask has dropped $9k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $26k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.

Recommended offer $26,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 215 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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.
7. 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.
8. 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: 11.64% ✓
• Cap rate: 76.08%
• Cash-on-cash: 249.25%
• DSCR: 12.09
• GRM: 0.7

CMA / ARV

• ARV (median comp): $611,865
• List price: $29,900
• Delta: -95.11%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

3.21% appreciation · 3.23% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 14.86×
• Total profit: $116,040
• Equity at exit: $13,795

10-year hold

• IRR: —
• Equity multiple: 31.98×
• Total profit: $259,383
• Equity at exit: $21,536

Cash invested: $8,372 (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 29928

• Home prices YoY: 1.3%
• Rents YoY: 3.2%
• Active inventory: 845
• Price-to-rent: 0.7×

Monthly cashflow live

• Estimated rent: $3,482 high
• Mortgage (P&I): −$157
• Tax est. 1.5%: −$37 /mo · $448/yr
• Insurance: −$12
• HOA: −$805
• Vacancy / Maint / Mgmt: −$731
• Net cashflow: $1,739

Break-even live

Break-even rent $1,281

Max offer price $29,900

Occupancy floor 45%

Sensitivity live

Price	-10% $1,760	-5% $1,749	+0% $1,739	+5% $1,729	+10% $1,718
Rent	-10% $1,464	-5% $1,601	+0% $1,739	+5% $1,876	+10% $2,014
Rate	-1.0pp $1,754	-0.5pp $1,747	base $1,739	+0.5pp $1,731	+1.0pp $1,723

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: $7,475
• Closing costs: $897
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
85 Folly Field Rd Unit 1316236P Hilton Head Island, SC	2.0	2.5	1194	$3,602	$3.02	14d	1	0.16mi
45 Folly Field Rd Unit 1316251P Hilton Head Island, SC	2.0	2.0	1194	$4,182	$3.50	22d	1	0.34mi
3 Burkes Beach Rd Unit B Hilton Head Island, SC	2.0	2.0	1100	$2,500	$2.27	14d	1	1.02mi
112 Union Cemetery Rd Hilton Head Island, SC	2.0	2.0	1025	$2,125	$2.07	14d	1	1.04mi
96 Mathews Dr Hilton Head Island, SC	2.0	2.0–2.5	1000	$2,500	$2.50	22d	2	1.06mi
96 Mathews Dr Hilton Head Island, SC	2.0	2.0	1012	$2,400	$2.37	14d	2	1.06mi
96 Mathews Dr #87 Hilton Head Island, SC	2.0	2.0	1000	$2,500	$2.50	44d	1	1.07mi
400 William Hilton Pkwy Hilton Head Island, SC	2.0	1.5	1161	$2,000	$1.72	44d	1	1.28mi
55 Gardner Dr Hilton Head Island, SC	1.0–3.0	1.0–2.0	1175	$2,902	$2.47	14d	9	1.35mi

HOA detail

• Monthly dues: $805 · $9,660/yr
• Likely covers: landscapingpool

Listing history 26 events

1. 2026-06-21
   days on market $29,900 Active 215 DOM
2. 2026-06-18
   days on market $29,900 Active 212 DOM
3. 2026-06-17
   days on market $29,900 Active 211 DOM
4. 2026-06-16
   days on market $29,900 Active 210 DOM
5. 2026-06-15
   days on market $29,900 Active 209 DOM
6. 2026-06-14
   days on market $29,900 Active 207 DOM
7. 2026-06-13
   days on market $29,900 Active 206 DOM
8. 2026-06-10
   days on market $29,900 Active 204 DOM
9. 2026-06-09
   days on market $29,900 Active 203 DOM
10. 2026-06-08
    days on market $29,900 Active 202 DOM
11. 2026-06-07
    days on market $29,900 Active 201 DOM
12. 2026-06-05
    days on market $29,900 Active 198 DOM
13. 2026-06-03
    days on market $29,900 Active 197 DOM
14. 2026-06-02
    days on market $29,900 Active 196 DOM
15. 2026-06-01
    days on market $29,900 Active 195 DOM
16. 2026-05-31
    days on market $29,900 Active 194 DOM
17. 2026-04-10
    price $29,900 1128-char remark

    Show marketing remark (1128 chars)

    Walking distance to miles of pristine beach on Hilton Head Island, this beautifully maintained Ocean Palms villa offers the perfect blend of island charm and modern comfort. This deeded 1/5th share is ideal for a vacation getaways 10 weeks throughout the year or rent and exchange the weeks you can't use. Step inside to find a spacious, light-filled layout with serene views of lush landscaping and pool for morning coffee or evening cocktails. The fully equipped kitchen features granite countertops, updated appliances, and ample cabinetry, making it easy to entertain or unwind in style. Each bedroom is a private retreat with generous closet space and en-suite baths, offering comfort and privacy for guests and owners alike. Enjoy the convenience of in-unit laundry, thoughtful furnishings, and tasteful coastal décor throughout. Resort Amenities include: Access to The Westin Hilton Head Island Resort & Spa , championship golf and tennis privileges, pickleball, two outdoor pools, hot tub, grilling areas, complimentary shuttle to the beach and resort. Managed by the Westin Hotel. Rental program available.

18. 2026-03-03
    price $35,900 1128-char remark

    Show marketing remark (1128 chars)

    Walking distance to miles of pristine beach on Hilton Head Island, this beautifully maintained Ocean Palms villa offers the perfect blend of island charm and modern comfort. This deeded 1/5th share is ideal for a vacation getaways 10 weeks throughout the year or rent and exchange the weeks you can't use. Step inside to find a spacious, light-filled layout with serene views of lush landscaping and pool for morning coffee or evening cocktails. The fully equipped kitchen features granite countertops, updated appliances, and ample cabinetry, making it easy to entertain or unwind in style. Each bedroom is a private retreat with generous closet space and en-suite baths, offering comfort and privacy for guests and owners alike. Enjoy the convenience of in-unit laundry, thoughtful furnishings, and tasteful coastal décor throughout. Resort Amenities include: Access to The Westin Hilton Head Island Resort & Spa , championship golf and tennis privileges, pickleball, two outdoor pools, hot tub, grilling areas, complimentary shuttle to the beach and resort. Managed by the Westin Hotel. Rental program available.

19. 2025-11-18
    listed $38,900 Active 1128-char remark

    Show marketing remark (1128 chars)

    Walking distance to miles of pristine beach on Hilton Head Island, this beautifully maintained Ocean Palms villa offers the perfect blend of island charm and modern comfort. This deeded 1/5th share is ideal for a vacation getaways 10 weeks throughout the year or rent and exchange the weeks you can't use. Step inside to find a spacious, light-filled layout with serene views of lush landscaping and pool for morning coffee or evening cocktails. The fully equipped kitchen features granite countertops, updated appliances, and ample cabinetry, making it easy to entertain or unwind in style. Each bedroom is a private retreat with generous closet space and en-suite baths, offering comfort and privacy for guests and owners alike. Enjoy the convenience of in-unit laundry, thoughtful furnishings, and tasteful coastal décor throughout. Resort Amenities include: Access to The Westin Hilton Head Island Resort & Spa , championship golf and tennis privileges, pickleball, two outdoor pools, hot tub, grilling areas, complimentary shuttle to the beach and resort. Managed by the Westin Hotel. Rental program available.

20. 2025-03-27
    listed $38,900 Active
21. 2023-04-03
    soldstatus $26,000 Closed
22. 2023-02-07
    status Pending
23. 2022-11-04
    listed $29,900 Active
24. 2022-08-21
    price $35,000
25. 2022-06-26
    price $39,000
26. 2022-06-06
    listed $46,000 Active

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

Taxation est. · year 1

• Rental income: $41,781
• − Mortgage interest: −$1,675
• − Property taxes: −$448
• − Insurance: −$150
• − Repairs & maintenance: −$3,342
• − Management: −$3,342
• − HOA: −$9,660
• − Depreciation: −$870
• Taxable income: $22,293
• Est. tax owed @ 24.0%: −$5,350
• After-tax cash flow: $15,517/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: Beaufort 01
• NCES district ID: 4501110
• Math proficiency: 42% ▼ -8.00%
• Reading proficiency: 51% ▲ 2.00%
• Median HH income: $57,430
• Composite: 40.56/100
• National rank: #3699
• State rank: #17 of 80 in SC

Livability — Hilton Head Island

• Score: 64/100
• State rank: #157
• US rank: #14648

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hilton Head Island, SC
• County: Beaufort County · 163,770 people
• City population: 40,243
• Metro: Hilton Head Island-Bluffton, SC
• Population (ZIP): 15,785
• Household income: $97,576
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 216.0

Population outlook (Beaufort County) Hauer SSP2

• Today (2025): 211,915 people
• By 2030: 227,272 · +7.2%
• By 2040: 253,861 · +19.8%
• By 2050: 275,126 · +29.8%
• By 2075: 311,022 · +46.8%
• By 2100: 321,286 · +51.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Hispanic / Latino 6% Two or more races 2% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 4% Slovak 4% Romanian 4%
• Foreign-born: 9% · Canada, China
• Languages at home: 91% English-only · Spanish 5% French/Haitian/Cajun 1% Chinese 1%

Political lean MEDSL · Beaufort

• 2024 margin: R (+14.5) · D 42.1% · R 56.6% · Other 1.2%
• 2008→2024 swing: -3.7pp toward R · 2008: -10.8pp · 2024: -14.5pp
• All cycles: 2024: R+14.5 2020: R+10.0 2016: R+14.3 2012: R+17.5 2008: R+10.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.21%
• Current HPI: 243.4136
• Rent YoY: ▲ 3.23%
• Metro: Hilton Head Island-Bluffton, 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

-35.0% since first listed

10 events — show timeline

• 2026-04-10 Price Changed $29,900 LRMLS
• 2026-03-03 Price Changed $35,900 LRMLS
• 2025-11-18 Listed $38,900 LRMLS
• 2025-03-27 Listed $38,900 RSMLS
• 2023-04-03 Sold (MLS) $26,000 RSMLS
• 2023-02-07 Pending — RSMLS
• 2022-11-04 Listed $29,900 RSMLS
• 2022-08-21 Price Changed $35,000 RSMLS
• 2022-06-26 Price Changed $39,000 RSMLS
• 2022-06-06 Listed $46,000 RSMLS