14 Wimbledon Ct Unit 137-1 · Hilton Head Island, SC 29928

$27,000

2 bd · 2.0 ba · 1,328 sqft · SingleFamily · 26 Days on market

Built 1997 $768/mo HOA · 22% of rent ↓ 37% since listing

---

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

Ocean Ρalmѕ @ Thе Wеstin Reѕοrt & Spa | 2BR/2BA Fractionаl Οwnership. This 1st floor designer-furnished 2 bedroom, 2 bath Sanibel townhouse located in building 13 offers 1,328 sqft, w/ private porch and screened in porch overlooking the community pool & lush Spanish Moss draped trees. Ocean Palms is a 1/5th deeded fractional ownership community, giving each owner 10 weeks of use per year - structured as 5 rotations of 2 consecutive weeks - on a simple calendar system that's fair, predictable, & flexible. Ownership comes fully loaded. Access to the full Westin Oceanfront Resort & Spa: oceanfront pools, gym, beach access, resort shuttle, free golf/tennis/pickleball daily. The Westin's professional management team handles everything - you just show up. Walking distance to the beach. Model open Monday-Saturday, noon to 5pm. Sundays by appointment. It won't last. New furnishings being installed later this year.

Key facts

• Private porch
• Screened in porch
• Community pool

Tags

• PRIVATE PORCH
• SCREENED IN PORCH
• COMMUNITY POOL
• BEACH ACCESS
• GOLF TENNIS PICKLEBALL
• WALKING DISTANCE TO THE BEACH

Property features AI

Finance

• Other: Shared interest ownership (15% share)
• HOA & community: Annual HOA fee (includes insurance); Community amenities: Pickleball, Tennis courts, Fitness center, Lawn maintenance, Golf, Pool, Walking trail, Security gate

Exterior

• Parking: Parking lot (no attached garage)
• Security: Smoke detector(s)
• Utilities: Public sewer
• Home design: Townhouse; Elevated foundation
• Construction: Composition roof
• Exterior features: Rain gutters; Outdoor grill; Thermo-pane windows; Public sewer

Interior

• Kitchen: Dishwasher; Microwave; Ice maker; Refrigerator
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric central heating; Central air conditioning; Has heating; Has cooling
• Interior features: Ceiling fan(s)
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $27k.

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 $27k).
• Recommended offer: $27k (1.5% below list) — sets the bar for market timing.
• Cap rate 85.3% 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); 838 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 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 ($187 loan paydown + $866 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 26 days — a 2% lower offer ($27k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y 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.

Risks & watch-outs

• Watch-outs: HOA is 22% of rent.

Recommended offer $26,595 (1.5% 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 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?
4. 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.
5. 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.
6. 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: 12.81% ✓
• Cap rate: 85.34%
• Cash-on-cash: 282.30%
• DSCR: 13.56
• GRM: 0.7

CMA / ARV

• ARV (median comp): $17,841
• List price: $27,000
• Delta: 51.34%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8 Periwinkle Ct	0.46mi	2/2.0	1,325 (-0%)	14mo	$640,000	$483	67
27 Moonshell Rd	0.30mi	3/2.0 (+1)	1,446 (+9%)	24mo	$1,100,001	$761	47
9 Camellia St	0.69mi	3/2.0 (+1)	1,430 (+8%)	13mo	$1,000,000	$699	39

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

Projected returns pro-forma

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

5-year hold

• IRR: —
• Equity multiple: 16.63×
• Total profit: $118,148
• Equity at exit: $12,457

10-year hold

• IRR: —
• Equity multiple: 35.84×
• Total profit: $263,359
• Equity at exit: $19,447

Cash invested: $7,560 (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: 838
• Price-to-rent: 0.7×

Monthly cashflow live

• Estimated rent: $3,460 high
• Mortgage (P&I): −$142
• Tax est. 1.5%: −$34 /mo · $405/yr
• Insurance: −$11
• HOA: −$768
• Vacancy / Maint / Mgmt: −$727
• Net cashflow: $1,778

Break-even live

Break-even rent $1,208

Max offer price $27,000

Occupancy floor 44%

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: $6,750
• Closing costs: $810
• 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	13d	1	0.16mi
45 Folly Field Rd Unit 1316251P Hilton Head Island, SC	2.0	2.0	1194	$4,182	$3.50	21d	1	0.48mi
112 Union Cemetery Rd Hilton Head Island, SC	2.0	2.0	1025	$2,125	$2.07	13d	1	1.01mi
96 Mathews Dr Hilton Head Island, SC	2.0	2.0–2.5	1000	$2,500	$2.50	21d	2	1.15mi
96 Mathews Dr Hilton Head Island, SC	2.0	2.0	1012	$2,400	$2.37	13d	2	1.15mi
3 Burkes Beach Rd Unit B Hilton Head Island, SC	2.0	2.0	1100	$2,500	$2.27	13d	1	1.16mi
96 Mathews Dr #87 Hilton Head Island, SC	2.0	2.0	1000	$2,500	$2.50	44d	1	1.17mi
400 William Hilton Pkwy Hilton Head Island, SC	2.0	1.5	1161	$2,000	$1.72	44d	1	1.36mi
55 Gardner Dr Hilton Head Island, SC	1.0–3.0	1.0–2.0	1175	$2,902	$2.47	13d	9	1.44mi

HOA detail

• Monthly dues: $768 · $9,216/yr
• Likely covers: poolgym

Listing history 11 events

1. 2026-06-03
   remarks 683-char remark
2. 2026-06-03
   statuslisting id $27,000 Pending 26 DOM
3. 2026-06-02
   days on market $27,000 Active 26 DOM

   Show marketing remark (962 chars)

   Ocean Ρalmѕ @ Thе Wеstin Reѕοrt & Spa | 2BR/2BA Fractionаl Οwnership. This 1st floor designer-furnished 2 bedroom, 2 bath Sanibel townhouse located in building 13 offers 1,328 sqft, w/ private porch and screened in porch overlooking the community pool & lush Spanish Moss draped trees. Ocean Palms is a 1/5th deeded fractional ownership community, giving each owner 10 weeks of use per year - structured as 5 rotations of 2 consecutive weeks - on a simple calendar system that's fair, predictable, & flexible. Ownership comes fully loaded. Access to the full Westin Oceanfront Resort & Spa: oceanfront pools, gym, beach access, resort shuttle, free golf/tennis/pickleball daily. The Westin's professional management team handles everything - you just show up. Walking distance to the beach. Model open Monday-Saturday, noon to 5pm. Sundays by appointment. It won't last. New furnishings being installed later this year.

4. 2026-06-01
   days on market $27,000 Active 25 DOM
5. 2026-05-31
   days on market $27,000 Active 24 DOM
6. 2026-05-30
   days on market $27,000 Active 23 DOM
7. 2026-05-07
   listed $27,000 Active 962-char remark

   Show marketing remark (962 chars)

   Ocean Ρalmѕ @ Thе Wеstin Reѕοrt & Spa | 2BR/2BA Fractionаl Οwnership. This 1st floor designer-furnished 2 bedroom, 2 bath Sanibel townhouse located in building 13 offers 1,328 sqft, w/ private porch and screened in porch overlooking the community pool & lush Spanish Moss draped trees. Ocean Palms is a 1/5th deeded fractional ownership community, giving each owner 10 weeks of use per year - structured as 5 rotations of 2 consecutive weeks - on a simple calendar system that's fair, predictable, & flexible. Ownership comes fully loaded. Access to the full Westin Oceanfront Resort & Spa: oceanfront pools, gym, beach access, resort shuttle, free golf/tennis/pickleball daily. The Westin's professional management team handles everything - you just show up. Walking distance to the beach. Model open Monday-Saturday, noon to 5pm. Sundays by appointment. It won't last. New furnishings being installed later this year.

8. 2026-05-05
   listed $27,000 Active 808-char remark
9. 2024-03-15
   soldstatus $40,000 Closed

   Show marketing remark (648 chars)

   Why own more than you can use? Premium location and walking distance to the beach! Ocean Palms is a 1/5th deeded fractional ownership property allowing each owner 10 weeks of use per year on a calendar rotation of 2 weeks back to back 5 times annually. Management by the Westin Oceanfront Resort allows use of the hotel amenities, fitness center, oceanfront pool complex, beach access and resort shuttle. A great golf & tennis package is included with ownership. This wonderful 2 bedroom/2 bath designer furnished 1st floor Sanibel floor plan has 1350 htd sq ft, screened porch and overlooks the back pool area. Onsite model villa open daily.

10. 2024-02-12
    status Pending

    Show marketing remark (648 chars)

    Why own more than you can use? Premium location and walking distance to the beach! Ocean Palms is a 1/5th deeded fractional ownership property allowing each owner 10 weeks of use per year on a calendar rotation of 2 weeks back to back 5 times annually. Management by the Westin Oceanfront Resort allows use of the hotel amenities, fitness center, oceanfront pool complex, beach access and resort shuttle. A great golf & tennis package is included with ownership. This wonderful 2 bedroom/2 bath designer furnished 1st floor Sanibel floor plan has 1350 htd sq ft, screened porch and overlooks the back pool area. Onsite model villa open daily.

11. 2023-11-28
    listed $43,000 Active

    Show marketing remark (648 chars)

    Why own more than you can use? Premium location and walking distance to the beach! Ocean Palms is a 1/5th deeded fractional ownership property allowing each owner 10 weeks of use per year on a calendar rotation of 2 weeks back to back 5 times annually. Management by the Westin Oceanfront Resort allows use of the hotel amenities, fitness center, oceanfront pool complex, beach access and resort shuttle. A great golf & tennis package is included with ownership. This wonderful 2 bedroom/2 bath designer furnished 1st floor Sanibel floor plan has 1350 htd sq ft, screened porch and overlooks the back pool area. Onsite model villa open daily.

ⓘ 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: $41,515
• − Mortgage interest: −$1,512
• − Property taxes: −$405
• − Insurance: −$135
• − Repairs & maintenance: −$3,321
• − Management: −$3,321
• − HOA: −$9,216
• − Depreciation: −$785
• Taxable income: $22,819
• Est. tax owed @ 24.0%: −$5,476
• After-tax cash flow: $15,865/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

-37.2% since first listed

7 events — show timeline

• 2026-06-02 Pending — RSMLS
• 2026-06-02 Pending — LRMLS
• 2026-05-07 Listed $27,000 RSMLS
• 2026-05-05 Listed $27,000 LRMLS
• 2024-03-15 Sold (MLS) $40,000 RSMLS
• 2024-02-12 Pending — RSMLS
• 2023-11-28 Listed $43,000 RSMLS