4121 Oval Ter · Graniteville, SC 29829

$299,900

4 bd · 2.5 ba · 2,324 sqft · SingleFamily public records · 26 Days on market

Built 2017 8,276 sqft lot Est $279k · 8% over $48/mo HOA · 2% of rent

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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 +15.3/30.0
• Appreciation +9.2/10.0
• DSCR +4.7/10.0
• ARV discount +4.1/15.0
• Schools +3.2/10.0
• 1% rule +3.1/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

FP: heritage Noble Plan (4BR/2.5BA) 2359 Sq Ft. Inviting kitchen w/ island and desk area. Formal Dining Room , pendant lighting, rope crown molding in kitchen, recess lights, Fireplace, 10 X 12 Covered Porch, Hardwoods in kitchen, foyer and 1/2 bath, piedrafina marble in owners bath, bay window. Photos and options may be of like home and may reflect options not included in the listing price. 100% USDA Financing available.

Key facts

• Inviting kitchen
• Covered porch
• Piedrafina marble

Tags

• INVITING KITCHEN
• FORMAL DINING ROOM
• COVERED PORCH
• UPGRADED KITCHEN FLOORING
• UPGRADED BATHROOM FLOORING
• PIEDRAFINA MARBLE

Property features AI

Finance

• Other: Subdivision: Sage Creek; Directions available
• HOA & community: Homeowners association with annual fee of $576.52 (about $48.04/month)

Exterior

• Parking: Attached garage with 2 garage spaces; Garage door opener; Paved driveway
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; Underground utilities; Water available; Sewer available
• Home design: Single-family residence; Two levels; Residential property; Built by DR Horton-Crown LLC
• Construction: Brick veneer and vinyl siding exterior; Shingle/composition roof; Slab foundation; Built area above grade: 2,359
• Exterior features: Front porch; Patio; Fenced yard; Corner lot; Landscaped; Paved roads

Interior

• Kitchen: Oven; Self-cleaning oven; Range; Cooktop; Dishwasher; Microwave; Refrigerator; Gas water heater
• Bedrooms: Total rooms: 7
• Flooring: Carpet; Hardwood
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central air (electric); Ceiling fans; Forced air heating (natural gas)
• Interior features: Ceiling fans; Walk-in closets; Cathedral ceilings; Kitchen island; Pantry; Insulated windows; Window coverings; Fireplace in the great room
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $109 ($1k/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 $244k (18.7% below list).
• Recommended offer: $244k (18.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#240 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime B+; Watch: amenities F, commute F, employment F.
• Aiken 01 (suburban): math 31% / reading 44% proficiency, ranked #36 of 80 in SC (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Byrd Elementary (math 28% / reading 36%, grade F, #369 of 597 statewide, top 64%, 657 students, 37% FRL); Leavelle Mccampbell Middle (math 19% / reading 32%, grade F, #162 of 229 statewide, top 71%, 650 students, 55% FRL); Midland Valley High (math 31% / reading 83%, grade C, #120 of 196 statewide, top 64%, 1,477 students, 62% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: 299 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).
• This rent runs 35% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (8.4% local appreciation)).
• Aiken County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (8.4% appreciation + 3.0% rent growth), your $84k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($295k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 9y ago 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 $189k; list at $300k implies a 58% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 68% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $243,761 (18.7% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 6.73%
• Cash-on-cash: 1.55%
• DSCR: 1.07
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $278,880
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3032 Walking View Ct	0.13mi	4/2.5	2,359 (+2%)	5mo	$250,000	$106	87
708 Flat Rock Ln	0.26mi	4/2.5	2,342 (+1%)	5mo	$399,000	$170	82
568 Buttonwood Dr	0.35mi	4/2.5	2,232 (-4%)	1mo	$267,000	$120	76
4055 Thimbleberry Dr	0.17mi	3/2.5 (-1)	2,273 (-2%)	12mo	$270,000	$119	74
8045 Cozy Knl	0.07mi	4/2.5	2,149 (-8%)	15mo	$274,500	$128	72
4145 Thimbleberry Dr	0.31mi	3/2.5 (-1)	2,357 (+1%)	10mo	$273,000	$116	69
8039 Red Rock Way Way	0.25mi	4/2.5	2,456 (+6%)	13mo	$287,000	$117	68
709 Turning Crest Ln	0.56mi	4/2.5	2,294 (-1%)	16mo	$256,500	$112	58
515 Twin VW Ct	0.15mi	3/2.5 (-1)	2,065 (-11%)	14mo	$257,000	$124	58
566 Village East Cir	0.45mi	5/3.0 (+1)	2,652 (+14%)	2mo	$275,000	$104	47
692 Turning Crest Ln	0.52mi	3/2.5 (-1)	2,000 (-14%)	1mo	$255,000	$128	47
2841 Calli Crossing Dr	0.67mi	5/3.0 (+1)	2,361 (+2%)	16mo	$283,600	$120	46

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

8.38% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.0%
• Equity multiple: 2.64×
• Total profit: $137,670
• Equity at exit: $235,640

10-year hold

• IRR: 20.0%
• Equity multiple: 5.70×
• Total profit: $394,508
• Equity at exit: $475,383

Cash invested: $83,972 (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 29829

• Home prices YoY: 3.0%
• Active inventory: 299
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,438 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$71 /mo · $857/yr
• Insurance: −$125
• HOA: −$48
• Vacancy / Maint / Mgmt: −$512
• Net cashflow: $109

Break-even live

Break-even rent $2,300

Max offer price $299,900

Occupancy floor 91%

Sensitivity live

Price	-10% $278	-5% $194	+0% $109	+5% $24	+10% $-61
Rent	-10% $-84	-5% $12	+0% $109	+5% $205	+10% $301
Rate	-1.0pp $260	-0.5pp $185	base $109	+0.5pp $31	+1.0pp $-48

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: $74,975
• Closing costs: $8,997
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6130 Mahogany Ter Graniteville, SC	4.0	2.0	1893	$2,250	$1.19	14d	1	0.06mi
4044 Thimbleberry Dr Graniteville, SC	3.0	2.5	1694	$1,925	$1.14	22d	1	0.20mi
4074 Thimbleberry Dr Graniteville, SC	3.0	2.5	1854	$1,900	$1.02	22d	1	0.23mi
4060 Stone Pass Dr Graniteville, SC	4.0	2.0	1600	$1,925	$1.20	24d	1	0.55mi
507 Satinwood Cir Graniteville, SC	3.0–4.0	2.0–2.5	1776	$2,199	$1.24	14d	5	0.62mi

HOA detail

• Monthly dues: $48 · $576/yr

Listing history 22 events

1. 2026-06-18
   days on market $299,900 Active 26 DOM
2. 2026-06-17
   days on market $299,900 Active 25 DOM
3. 2026-06-16
   days on market $299,900 Active 24 DOM
4. 2026-06-15
   days on market $299,900 Active 23 DOM
5. 2026-06-14
   days on market $299,900 Active 21 DOM
6. 2026-06-13
   days on market $299,900 Active 20 DOM
7. 2026-06-10
   days on market $299,900 Active 18 DOM
8. 2026-06-09
   days on market $299,900 Active 17 DOM
9. 2026-06-08
   days on market $299,900 Active 16 DOM
10. 2026-06-07
    days on market $299,900 Active 15 DOM
11. 2026-06-03
    days on market $299,900 Active 11 DOM
12. 2026-06-02
    days on market $299,900 Active 10 DOM
13. 2026-06-01
    days on market $299,900 Active 9 DOM
14. 2026-05-31
    days on market $299,900 Active 8 DOM
15. 2026-05-30
    days on market $299,900 Active 7 DOM
16. 2026-05-23
    listed $299,900 Active
17. 2017-07-11
    soldstatus $189,249 425-char remark

    Show marketing remark (299 chars)

    Heritage Noble Plan (4BR 2.5BA) 2359 Sq ft. Inviting kitchen w/ island and desk area. Formal dining room. Recessed lighting, fireplace, 10X12 covered porch, hardwoods in kitchen, foyer, and 1/2 bath. Photos may be of like home, and may reflect options not included in the listing price. FP-HERITAGE.

18. 2017-07-11
    soldstatus $189,249 299-char remark

    Show marketing remark (299 chars)

    Heritage Noble Plan (4BR 2.5BA) 2359 Sq ft. Inviting kitchen w/ island and desk area. Formal dining room. Recessed lighting, fireplace, 10X12 covered porch, hardwoods in kitchen, foyer, and 1/2 bath. Photos may be of like home, and may reflect options not included in the listing price. FP-HERITAGE.

19. 2017-07-11
    soldstatus $189,249

    Show marketing remark (299 chars)

    Heritage Noble Plan (4BR 2.5BA) 2359 Sq ft. Inviting kitchen w/ island and desk area. Formal dining room. Recessed lighting, fireplace, 10X12 covered porch, hardwoods in kitchen, foyer, and 1/2 bath. Photos may be of like home, and may reflect options not included in the listing price. FP-HERITAGE.

20. 2017-02-14
    listed $189,587 299-char remark

    Show marketing remark (299 chars)

    Heritage Noble Plan (4BR 2.5BA) 2359 Sq ft. Inviting kitchen w/ island and desk area. Formal dining room. Recessed lighting, fireplace, 10X12 covered porch, hardwoods in kitchen, foyer, and 1/2 bath. Photos may be of like home, and may reflect options not included in the listing price. FP-HERITAGE.

21. 2017-02-14
    listed $189,587

    Show marketing remark (299 chars)

    Heritage Noble Plan (4BR 2.5BA) 2359 Sq ft. Inviting kitchen w/ island and desk area. Formal dining room. Recessed lighting, fireplace, 10X12 covered porch, hardwoods in kitchen, foyer, and 1/2 bath. Photos may be of like home, and may reflect options not included in the listing price. FP-HERITAGE.

22. 2017-02-10
    listed $189,589 425-char remark

    Show marketing remark (425 chars)

    FP: heritage Noble Plan (4BR/2.5BA) 2359 Sq Ft. Inviting kitchen w/ island and desk area. Formal Dining Room , pendant lighting, rope crown molding in kitchen, recess lights, Fireplace, 10 X 12 Covered Porch, Hardwoods in kitchen, foyer and 1/2 bath, piedrafina marble in owners bath, bay window. Photos and options may be of like home and may reflect options not included in the listing price. 100% USDA Financing available.

ⓘ 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: $857 · $71/mo
• Projected year-2 tax: $1,709 · $142/mo
• Expected delta: +$852/yr (+$71/mo · 99.4%)

ⓘ 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 7/10 Severe 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 68% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,251
• − Mortgage interest: −$16,799
• − Property taxes: −$857
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,340
• − Management: −$2,340
• − HOA: −$576
• − Depreciation: −$8,724
• Taxable loss: −$3,885
• Est. tax savings @ 24.0%: +$932
• After-tax cash flow: $2,236/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: Aiken 01
• NCES district ID: 4500720
• Math proficiency: 31% ▼ -11.00%
• Reading proficiency: 44% ▼ -1.00%
• Median HH income: $45,081
• Composite: 31.91/100
• National rank: #5857
• State rank: #36 of 80 in SC

Livability — Graniteville

• Score: 59/100
• State rank: #240
• US rank: #19924

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Aiken County · 116,534 people
• City population: 12,385
• Metro: Augusta-Richmond County, GA-SC
• Population (ZIP): 12,385
• Household income: $84,228
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 213.0

Population outlook (Aiken County) Hauer SSP2

• Today (2025): 178,003 people
• By 2030: 182,876 · +2.7%
• By 2040: 189,970 · +6.7%
• By 2050: 193,840 · +8.9%
• By 2075: 199,453 · +12.1%
• By 2100: 192,403 · +8.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 59% Black 26% Hispanic / Latino 12% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 1%
• Common ancestry: Italian 2% Swedish 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 10% Other Indo-European 1%

Political lean MEDSL · Aiken

• 2024 margin: Strong R (+25.9) · D 36.4% · R 62.2% · Other 1.4%
• 2008→2024 swing: -1.9pp toward R · 2008: -24.0pp · 2024: -25.9pp
• All cycles: 2024: R+25.9 2020: R+22.7 2016: R+27.5 2012: R+26.0 2008: R+24.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.38%
• Current HPI: 286.4155
• Rent YoY: —
• Metro: Augusta-Richmond County, GA-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

+58.2% since first listed

7 events — show timeline

• 2026-05-23 Listed $299,900 AMLS
• 2017-07-11 Sold (MLS) $189,249 Hive MLS
• 2017-07-11 Sold (MLS) $189,249 Hive MLS
• 2017-07-11 Sold (MLS) $189,249 AMLS
• 2017-02-14 Listed $189,587 Hive MLS
• 2017-02-14 Listed $189,587 Hive MLS
• 2017-02-10 Listed $189,589 AMLS

Property tax history

+33.7%/yr

Latest (2025): $857 · +0.0% YoY. Source: county tax records.