244 Saturn Ln · Walterboro, SC 29488

$214,990

4 bd · 2.0 ba · 1,680 sqft · Manufactured · 16 Days on market

Manufactured home Built 2025 Good condition 1.00 ac lot $128/sqft · 10% below area Est $240k · 10% under

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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).

• ARV discount +12.2/15.0
• Cash flow +8.3/30.0
• Condition / age +4.0/5.0
• Livability +2.9/5.0
• Schools +2.7/10.0
• 1% rule +2.6/10.0
• Appreciation +2.5/10.0
• Rent growth +2.5/5.0
• DSCR +2.3/10.0
• Manufactured-home adj. -3.2

Listing remarks

Welcome to 244 Saturn Lane, where brand-new construction meets the peace and privacy of country living. Situated on a full acre with no HOA, this thoughtfully designed home offers the perfect blend of space, freedom, and modern comfort. Inside, you'll find a spacious open-concept layout ideal for both everyday living and entertaining. The kitchen serves as the heart of the home, featuring a large island, ample cabinetry, and plenty of room to gather. With four generously sized bedrooms and two full bathrooms, there's flexibility for family, guests, or even a home office setup.

Key facts

• Open floor plan
• Country living
• Walk-in closet

Tags

• FULL ACRE
• OPEN FLOOR PLAN
• LARGE KITCHEN
• WALK-IN CLOSET
• PRIVATE BATH
• COUNTRY LIVING

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $215k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-195 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $187k (13.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (24.0% below list).
• Recommended offer: $163k (24.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 57/100 on livability (#269 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, health & safety A+, housing A-; Watch: crime F, amenities F, commute F.
• Colleton 01 (rural): math 13% / reading 28% proficiency, ranked #69 of 80 in SC (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Hendersonville Elementary (math 12% / reading 17%, grade F, #553 of 597 statewide, top 95%, 342 students, 100% FRL); Colleton County Middle (math 8% / reading 18%, grade F, #210 of 229 statewide, top 93%, 1,121 students, 100% FRL); Colleton County High (math 28% / reading 80%, grade C-, #137 of 196 statewide, top 70%, 1,497 students, 100% FRL) — zoned schools average 100% FRL vs 69% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 292 active listings in the ZIP; 50 units permitted in Colleton County in 2024 (0 in 5+ unit buildings).
• This rent runs 42% of the median local income ($47k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Colleton County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($212k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $163,382 (24.0% 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. 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. 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?
5. 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?
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: 0.76% ✗
• Cap rate: 5.20%
• Cash-on-cash: -3.89%
• DSCR: 0.83
• GRM: 11.0

CMA / ARV

• ARV (median comp): $240,000
• List price: $214,990
• Delta: -10.42%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
212 Saturn Ln	0.03mi	4/2.0	2,040 (+21%)	4mo	$240,000	$118	70
1343 Winding Creek Dr	1.78mi	3/2.0 (-1)	1,792 (+7%)	3mo	$227,000	$127	46
6287 Sniders Hwy (6.1 Acres)	1.59mi	3/2.0 (-1)	1,566 (-7%)	7mo	$312,000	$199	43
4481 Sniders Hwy	0.50mi	3/2.0 (-1)	1,820 (+8%)	27mo	$230,000	$126	38
4553 Sniders Hwy	0.48mi	4/2.0	1,904 (+13%)	37mo	$249,900	$131	35
1025 Pellum Rd	1.46mi	3/2.0 (-1)	1,736 (+3%)	26mo	$264,900	$153	34
1520 Cane Branch Rd	1.94mi	3/2.5 (-1)	1,868 (+11%)	12mo	$635,000	$340	30
277 Solomon Ln	1.42mi	3/2.0 (-1)	1,568 (-7%)	40mo	$200,000	$128	29
163 Solomon Ln	1.42mi	3/2.0 (-1)	2,035 (+21%)	12mo	$279,000	$137	25
217 Brick Rd	1.62mi	3/2.0 (-1)	1,197 (-29%)	17mo	$298,000	$249	21
3609 Sniders Hwy	1.10mi	2/1.0 (-2)	1,196 (-29%)	8mo	$465,000	$389	20
143 Brick Rd	1.64mi	3/2.0 (-1)	1,992 (+19%)	32mo	$280,000	$141	15

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: -22.8%
• Equity multiple: 0.22×
• Total profit: $-47,235
• Equity at exit: $32,056

10-year hold

• IRR: -17.2%
• Equity multiple: 0.05×
• Total profit: $-57,026
• Equity at exit: $18,588

Cash invested: $60,197 (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 →

Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 0 active · 1 under contract
• Months of supply: 0.0 mo

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 29488

• Home prices YoY: -33.6%
• Active inventory: 292
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $1,634 medium
• Mortgage (P&I): −$1,127
• Tax est. 1.5%: −$269 /mo · $3,225/yr
• Insurance: −$90
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $-195

Break-even live

Break-even rent $1,881

Max offer price $186,769

Occupancy floor —

Sensitivity live

Price	-10% $-46	-5% $-121	+0% $-195	+5% $-269	+10% $-344
Rent	-10% $-324	-5% $-260	+0% $-195	+5% $-130	+10% $-66
Rate	-1.0pp $-87	-0.5pp $-140	base $-195	+0.5pp $-251	+1.0pp $-307

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: $53,748
• Closing costs: $6,450
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Septic tank
• Home design: Manufactured/mobile homeOne levelFee simple ownershipNew construction
• Construction: Brick skirting
• Exterior features: Asphalt roofNo other detached structures indicatedLot between 0.5 and 2 acres

Interior

• Kitchen: DishwasherElectric rangeRefrigerator
• Bedrooms: 4 bedroomsPrimary bedroom on lower level with walk-in closet
• Flooring: Luxury vinyl
• Bathrooms: 2 bathrooms
• Heating & cooling: Central airElectric heating
• Interior features: Garden tub/showerKitchen islandEat-in kitchenLiving/dining comboPantrySeparate diningUtility
• Laundry & utility: Laundry room with washer and electric dryer hookups

Listing history 50 events

1. 2026-09-23
   days on market $214,990 Active 16 DOM
2. 2026-09-20
   days on market $214,990 Active 13 DOM
3. 2026-09-19
   days on market $214,990 Active 11 DOM
4. 2026-09-17
   days on market $214,990 Active 10 DOM
5. 2026-09-17
   days on market $214,990 Active 9 DOM
6. 2026-09-16
   days on market $214,990 Active 8 DOM
7. 2026-09-14
   days on market $214,990 Active 7 DOM
8. 2026-09-13
   days on market $214,990 Active 6 DOM
9. 2026-09-12
   days on market $214,990 Active 5 DOM
10. 2026-09-11
    pricedays on marketlisting id $214,990 Active 4 DOM
11. 2026-07-31
    days on market $219,900 Active 119 DOM
12. 2026-07-30
    days on market $219,900 Active 118 DOM
13. 2026-07-29
    days on market $219,900 Active 117 DOM
14. 2026-07-27
    days on market $219,900 Active 115 DOM
15. 2026-07-25
    days on market $219,900 Active 113 DOM
16. 2026-07-24
    days on market $219,900 Active 112 DOM
17. 2026-07-23
    days on market $219,900 Active 111 DOM
18. 2026-07-22
    days on market $219,900 Active 110 DOM
19. 2026-07-21
    days on market $219,900 Active 109 DOM
20. 2026-07-20
    days on market $219,900 Active 108 DOM
21. 2026-07-18
    days on market $219,900 Active 106 DOM
22. 2026-07-17
    days on market $219,900 Active 105 DOM
23. 2026-07-16
    days on market $219,900 Active 104 DOM
24. 2026-07-15
    days on market $219,900 Active 103 DOM
25. 2026-07-14
    days on market $219,900 Active 102 DOM
26. 2026-07-13
    days on market $219,900 Active 101 DOM
27. 2026-07-12
    days on market $219,900 Active 100 DOM
28. 2026-07-12
    days on market $219,900 Active 99 DOM
29. 2026-07-10
    days on market $219,900 Active 98 DOM
30. 2026-07-09
    status $219,900 Active 97 DOM
31. 2026-07-09
    days on market $219,900 Active Under Contract 97 DOM
32. 2026-07-07
    days on market $219,900 Active Under Contract 95 DOM
33. 2026-07-06
    days on market $219,900 Active Under Contract 94 DOM
34. 2026-07-05
    days on market $219,900 Active Under Contract 93 DOM
35. 2026-07-05
    days on market $219,900 Active Under Contract 92 DOM
36. 2026-07-03
    days on market $219,900 Active Under Contract 91 DOM
37. 2026-07-02
    days on market $219,900 Active Under Contract 90 DOM
38. 2026-07-01
    days on market $219,900 Active Under Contract 89 DOM
39. 2026-06-30
    days on market $219,900 Active Under Contract 88 DOM
40. 2026-06-29
    days on market $219,900 Active Under Contract 87 DOM
41. 2026-06-28
    days on market $219,900 Active Under Contract 86 DOM
42. 2026-06-27
    days on market $219,900 Active Under Contract 85 DOM
43. 2026-06-26
    days on market $219,900 Active Under Contract 84 DOM
44. 2026-06-22
    days on market $219,900 Active Under Contract 80 DOM
45. 2026-06-21
    days on market $219,900 Active Under Contract 79 DOM
46. 2026-06-21
    days on market $219,900 Active Under Contract 78 DOM
47. 2026-06-18
    days on market $219,900 Active Under Contract 76 DOM
48. 2026-06-17
    days on market $219,900 Active Under Contract 75 DOM
49. 2026-06-16
    days on market $219,900 Active Under Contract 74 DOM
50. 2026-06-15
    days on market $219,900 Active Under Contract 73 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,606
• − Mortgage interest: −$12,043
• − Property taxes: −$3,225
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,568
• − Management: −$1,568
• − Depreciation: −$6,254
• Taxable loss: −$6,128
• Est. tax savings @ 24.0%: +$1,471
• After-tax cash flow: $-870/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.

Condition & rehab AI · 13 photos

Good 80/100 Cosmetic rehab Est. rehab $8,400–$25,200 screening

This home is in good condition with a modern kitchen and bathrooms, and a well-maintained exterior. It offers a good investment opportunity with potential for value-add improvements.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances the home's curb appeal and can attract more buyers or renters. ↑
• Both Painting exterior and interior walls — Fresh paint can make the home look more inviting and maintain its value. ↑
• Both Landscaping and adding outdoor furniture — Improves the outdoor living space and can increase the home's appeal for both buyers and renters. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 27/100

Zoned Schools

Elementary Hendersonville Elementary F SC #553/597 Nat'l #36,758/41,679 Middle Colleton County Middle F SC #210/229 Nat'l #12,966/14,009 High Colleton County High C- SC #137/196 Nat'l #4,773/17,239

Schools (NCES district)

• District: Colleton 01
• NCES district ID: 4501830
• Math proficiency: 13% ▼ -10.00%
• Reading proficiency: 28% ▬ 0.00%
• Median HH income: $33,128
• Composite: 16.66/100
• National rank: #9171
• State rank: #69 of 80 in SC

D Composite livability gradescore 57/100

Livability — Walterboro

• Score: 57/100
• State rank: #269
• US rank: #21618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Colleton · 34,932 people
• City population: 22,367
• Population (ZIP): 22,367
• Household income: $47,083
• Rent vs Own: 34.2% rent · 65.8% own
• Severe rent burden: 10% of renters

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Population outlook (Colleton County) Hauer SSP2

• Today (2025): 34,932 people
• By 2030: 33,078 · -5.3%
• By 2040: 29,017 · -16.9%
• By 2050: 25,029 · -28.3%
• By 2075: 16,894 · -51.6%
• By 2100: 10,518 · -69.9%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 54% Black 38% Hispanic / Latino 4% Two or more races 4%
• Common ancestry: Italian 2% Lithuanian 1% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

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Political lean MEDSL · Colleton

• 2024 margin: R (+18.2) · D 40.4% · R 58.5% · Other 1.1%
• 2008→2024 swing: -18.7pp toward R · 2008: 0.5pp · 2024: -18.2pp
• All cycles: 2024: R+18.2 2020: R+9.5 2016: R+8.5 2012: D+0.2 2008: D+0.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -119.20%
• Current HPI: 235.1237
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

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Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Septic tank
• Home design: Manufactured/mobile homeOne levelFee simple ownershipNew construction
• Construction: Brick skirting
• Exterior features: Asphalt roofNo other detached structures indicatedLot between 0.5 and 2 acres

Interior

• Kitchen: DishwasherElectric rangeRefrigerator
• Bedrooms: 4 bedroomsPrimary bedroom on lower level with walk-in closet
• Flooring: Luxury vinyl
• Bathrooms: 2 bathrooms
• Heating & cooling: Central airElectric heating
• Interior features: Garden tub/showerKitchen islandEat-in kitchenLiving/dining comboPantrySeparate diningUtility
• Laundry & utility: Laundry room with washer and electric dryer hookups

Price history

3 events — show timeline

• 2026-07-09 Relisted — Charleston Trident MLS
• 2026-05-04 Contingent — Charleston Trident MLS
• 2026-04-03 Listed $219,900 Charleston Trident MLS