125 Wilbert Rd · Eastover, SC 29044

$175,000

3 bd · 2.0 ba · 1,638 sqft · SingleFamily public records · 29 Days on market

Built 1991 1.31 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 +14.5/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• 1% rule +3.1/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Back on the market! Welcome to peaceful country living! Nestled on a spacious 1.31-acre lot, this property offers the perfect blend of privacy and comfort in a quiet setting. A private road leads to a charming residence featuring 3 bedrooms, 3 full bathrooms, and a versatile flex room perfect for a home office, playroom, or guest space. Inside, you’ll find a beautiful mix of tile and hardwood flooring, offering both style and long-lasting durability. With no HOA, you’ll enjoy the freedom to truly make this property your own while enjoying the space and tranquility of country living. Don’t miss the opportunity to own a home with room to grow, relax, and create lasting memor

Key facts

• Private road
• Room to grow
• Spacious lot

Tags

• SPACIOUS LOT
• PRIVATE ROAD
• FLEX ROOM
• TILE AND HARDWOOD FLOORING
• NO HOA
• ROOM TO GROW

Property features AI

Finance

• Other: Property sits on approximately 1.31 acres; Road access: dirt and gravel

Exterior

• Utilities: Well water; Septic system
• Home design: Two-story property
• Construction: Crawlspace foundation
• Exterior features: Covered front porch; Vinyl exterior finish

Interior

• Kitchen: Painted cabinets; Refrigerator included; Free-standing range
• Bedrooms: Master bedroom with private bath and walk-in closet (Second level); Additional bedrooms located on the second level
• Flooring: Hardwood floors; Tile in formal dining room
• Bathrooms: Three full bathrooms total; One main full bathroom; Two secondary full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Hardwood floors in living areas; Ceiling fans in master bedroom and formal living room; Bay windows in master bedroom and great room; Florida room; Cabinets painted
• Laundry & utility: Washer and dryer located on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $38 ($459/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 $141k (19.3% below list).
• Recommended offer: $141k (19.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 49/100 on livability (#370 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+; Watch: crime F, amenities F, commute F.
• Richland 01 (urban): math 26% / reading 36% proficiency, ranked #54 of 80 in SC (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Webber School (math 30% / reading 30%, grade F, #394 of 597 statewide, top 66%, 190 students, 100% FRL); Lower Richland High (math 5% / reading 64%, grade F, #185 of 196 statewide, top 94%, 1,244 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 54 active listings in the ZIP; 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).

Forward outlook

• In year one you build about $19k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
• Richland County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $87k; list at $175k implies a 101% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 78% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $141,146 (19.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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?
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: 0.81% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.94%
• DSCR: 1.04
• GRM: 10.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.9%
• Equity multiple: 2.99×
• Total profit: $97,686
• Equity at exit: $157,654

10-year hold

• IRR: 22.0%
• Equity multiple: 6.83×
• Total profit: $285,633
• Equity at exit: $339,987

Cash invested: $49,000 (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 29044

• Home prices YoY: 7.0%
• Active inventory: 54
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,411 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$86 /mo · $1,034/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $38

Break-even live

Break-even rent $1,363

Max offer price $175,000

Occupancy floor 92%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $175,000 Active 29 DOM
2. 2026-06-17
   days on market $175,000 Active 28 DOM
3. 2026-06-16
   days on market $175,000 Active 27 DOM
4. 2026-06-15
   days on market $175,000 Active 26 DOM
5. 2026-06-14
   days on market $175,000 Active 24 DOM
6. 2026-06-10
   days on market $175,000 Active 21 DOM
7. 2026-06-09
   days on market $175,000 Active 20 DOM
8. 2026-06-08
   statusdays on market $175,000 Active 19 DOM
9. 2026-06-07
   days on market $175,000 Active - Contingent 18 DOM
10. 2026-06-03
    days on market $175,000 Active - Contingent 14 DOM
11. 2026-06-03
    days on market $175,000 Active - Contingent 13 DOM
12. 2026-06-01
    days on market $175,000 Active - Contingent 12 DOM
13. 2026-05-31
    days on market $175,000 Active - Contingent 11 DOM
14. 2026-05-20
    listed $175,000 Active
15. 2025-08-25
    historical
16. 2025-07-10
    status Active
17. 2025-07-04
    status Pending
18. 2025-06-19
    historical Active - Contingent
19. 2025-05-16
    price $179,990
20. 2025-03-30
    price $189,900
21. 2025-02-24
    listed $199,900 Active
22. 2004-03-15
    soldstatus $87,000

ⓘ 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: $1,034 · $86/mo
• Projected year-2 tax: $1,034 · $86/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% 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: $16,938
• − Mortgage interest: −$9,803
• − Property taxes: −$1,034
• − Insurance: −$875
• − Repairs & maintenance: −$1,355
• − Management: −$1,355
• − Depreciation: −$5,091
• Taxable loss: −$2,575
• Est. tax savings @ 24.0%: +$618
• After-tax cash flow: $1,077/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: Richland 01
• NCES district ID: 4503360
• Math proficiency: 26% ▼ -7.00%
• Reading proficiency: 36% ▼ -5.00%
• Median HH income: $38,931
• Composite: 25.94/100
• National rank: #7335
• State rank: #54 of 80 in SC

Livability — Eastover

• Score: 49/100
• State rank: #370
• US rank: #25856

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,299

Population outlook (Richland County) Hauer SSP2

• Today (2025): 459,667 people
• By 2030: 487,524 · +6.1%
• By 2040: 542,035 · +17.9%
• By 2050: 595,371 · +29.5%
• By 2075: 732,998 · +59.5%
• By 2100: 820,415 · +78.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Black (56%)
• Race & ethnicity: Black 56% White 38% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Serbian 2% Italian 2% Romanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Richland

• 2024 margin: Solid D (+34.6) · D 66.4% · R 31.8% · Other 1.8%
• 2008→2024 swing: +5.7pp toward D · 2008: 28.9pp · 2024: 34.6pp
• All cycles: 2024: D+34.6 2020: D+38.3 2016: D+32.9 2012: D+33.3 2008: D+28.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.20%
• Current HPI: 200.54
• 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

+101.1% since first listed

9 events — show timeline

• 2026-05-20 Listed $175,000 Consolidated MLS
• 2025-08-25 Delisted — Consolidated MLS
• 2025-07-10 Relisted — Consolidated MLS
• 2025-07-04 Pending — Consolidated MLS
• 2025-06-19 Contingent — Consolidated MLS
• 2025-05-16 Price Changed $179,990 Consolidated MLS
• 2025-03-30 Price Changed $189,900 Consolidated MLS
• 2025-02-24 Listed $199,900 Consolidated MLS
• 2004-03-15 Sold (Public Records) $87,000 Public Records

Property tax history

-3.0%/yr

Latest (2025): $1,034 · +4.2% YoY. Source: county tax records.