3188 Banter Dr · Burnettown, SC 29829

$359,900

4 bd · 4.5 ba · 1,986 sqft · SingleFamily · 41 Days on market

Built 2026 Good condition 9,148 sqft lot Est $344k · at est. $44/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).

• Appreciation +9.2/10.0
• Cash flow +7.8/30.0
• ARV discount +5.4/15.0
• Condition / age +4.0/5.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• DSCR +1.9/10.0

Listing remarks

Stunning Crawford Construction two-story Mumford Plan featuring 4 bedrooms and 4.5 bathrooms, designed with exceptional attention to detail and quality craftsmanship. Energy-efficient construction includes radiant barrier roofing, while the exterior is enhanced with fiber cement siding, stone accents on the front, and vinyl siding on the sides and rear. Inside, the home offers modern interior trim, designer knock-down ceilings, and upgraded luxury plank flooring with a 20 mil wear layer throughout the main living areas. The gourmet kitchen is beautifully appointed with custom flat-panel soft-close cabinetry, level 1 quartz or granite countertops, an upgraded undermount stainless steel sink,

Key facts

• Fiber cement siding
• Stone accents
• Modern interior trim

Tags

• ENERGY-EFFICIENT CONSTRUCTION
• RADIANT BARRIER ROOFING
• FIBER CEMENT SIDING
• STONE ACCENTS
• MODERN INTERIOR TRIM
• DESIGNER KNOCK-DOWN CEILINGS

Property features AI

Finance

• Other: Subdivision: Clearwater Preserve
• HOA & community: Homeowners association with annual fee (approximately $533/year); Community pool; Trails; Sport court; Sidewalks and street lights

Exterior

• Parking: Attached garage; 2 garage spaces; 2 total parking spaces; Concrete driveway; Garage door opener
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Utilities: see remarks
• Home design: Single-family residence; Two stories; Entry level: 1
• Construction: Stone, vinyl siding, and fiber cement exterior; Composition roof; Slab foundation; New construction; Home warranty included
• Exterior features: Covered patio and porch; Patio; Porch; Fenced yard; Landscaped lot; Front and rear sprinkler systems; Paved road access; Has view

Interior

• Kitchen: Refrigerator; Range; Disposal; Dishwasher; Microwave; Tankless water heater
• Bedrooms: Total rooms: 7
• Flooring: Ceramic tile
• Bathrooms: 4 full bathrooms; 1 half bathroom
• Heating & cooling: Central air; Natural gas heating; Fireplace(s) with insert
• Interior features: Walk-in closets; Entrance foyer; Kitchen island; Pantry; Insulated windows
• Laundry & utility: Washer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/4.5-bath single-family listed at $360k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-406 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $301k (16.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $269k (25.2% below list).
• Recommended offer: $269k (25.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#159 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• 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: Clearwater Elementary (math 42% / reading 47%, grade F, #226 of 597 statewide, top 40%, 370 students, 100% FRL); Langley-Bath-Clearwater Middle (math 25% / reading 35%, grade F, #136 of 229 statewide, top 60%, 634 students, 100% FRL); Midland Valley High (math 31% / reading 83%, grade C, #120 of 196 statewide, top 64%, 1,477 students, 62% FRL) — zoned schools average 87% FRL vs 54% district-wide (33 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 298 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).
• This rent runs 38% 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 $33k of equity ($2k loan paydown + $30k appreciation (8.4% local appreciation)).
• Aiken County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$52k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($349k) 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.

Recommended offer $269,051 (25.2% 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. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 0.75% ✗
• Cap rate: 4.94%
• Cash-on-cash: -4.83%
• DSCR: 0.79
• GRM: 11.1

CMA / ARV

• ARV (on-the-fly): $343,578
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3215 Banter Dr	0.04mi	4/3.0	2,137 (+8%)	3mo	$369,900	$173	77
3216 Banter Dr	0.01mi	4/3.0	1,800 (-9%)	1mo	$329,900	$183	77
7423 Paisley Cir	0.21mi	4/2.0	2,046 (+3%)	3mo	$349,900	$171	73
7400 Paisley Cir	0.23mi	3/2.0 (-1)	2,009 (+1%)	2mo	$335,155	$167	71
3229 Banter Dr	0.02mi	4/2.5	2,221 (+12%)	3mo	$349,900	$158	68
8404 Bannock Cir	0.09mi	4/2.0	1,796 (-10%)	2mo	$299,900	$167	68
7288 Paisley Cir	0.32mi	4/2.0	2,046 (+3%)	2mo	$346,900	$170	68
3162 Banter Dr	0.02mi	3/2.0 (-1)	1,766 (-11%)	1mo	$339,900	$192	65
7343 Paisley Cir	0.27mi	4/3.0	1,800 (-9%)	2mo	$349,900	$194	64
7326 Paisley Cir	0.30mi	4/3.0	2,137 (+8%)	4mo	$369,900	$173	64
7390 Paisley Cir	0.24mi	3/2.0 (-1)	1,902 (-4%)	4mo	$332,900	$175	64
116 Ridgecrest Cir	0.29mi	3/2.5 (-1)	2,141 (+8%)	3mo	$240,000	$112	58

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: 17.2%
• Equity multiple: 2.30×
• Total profit: $131,284
• Equity at exit: $282,784

10-year hold

• IRR: 16.4%
• Equity multiple: 4.98×
• Total profit: $400,791
• Equity at exit: $570,491

Cash invested: $100,772 (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: 298
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,691 medium
• Mortgage (P&I): −$1,887
• Tax est. 1.5%: −$450 /mo · $5,398/yr
• Insurance: −$150
• HOA: −$44
• Vacancy / Maint / Mgmt: −$565
• Net cashflow: $-406

Break-even live

Break-even rent $3,204

Max offer price $301,197

Occupancy floor —

Sensitivity live

Price	-10% $-157	-5% $-281	+0% $-406	+5% $-530	+10% $-654
Rent	-10% $-618	-5% $-512	+0% $-406	+5% $-299	+10% $-193
Rate	-1.0pp $-224	-0.5pp $-314	base $-406	+0.5pp $-499	+1.0pp $-594

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: $89,975
• Closing costs: $10,797
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
618 Count Fleet Ct Graniteville, SC	4.0	2.5	2362	$2,299	$0.97	23d	1	1.32mi
6279 Whirlaway Rd Graniteville, SC	3.0	2.0	1295	$1,900	$1.47	23d	1	1.41mi

HOA detail

• Monthly dues: $44 · $528/yr

Listing history 19 events

1. 2026-06-21
   days on market $359,900 Active 41 DOM
2. 2026-06-18
   days on market $359,900 Active 38 DOM
3. 2026-06-17
   days on market $359,900 Active 37 DOM
4. 2026-06-16
   days on market $359,900 Active 36 DOM
5. 2026-06-15
   days on market $359,900 Active 35 DOM
6. 2026-06-14
   days on market $359,900 Active 33 DOM
7. 2026-06-13
   days on market $359,900 Active 32 DOM
8. 2026-06-10
   days on market $359,900 Active 30 DOM
9. 2026-06-09
   days on market $359,900 Active 29 DOM
10. 2026-06-08
    days on market $359,900 Active 28 DOM
11. 2026-06-07
    days on market $359,900 Active 27 DOM
12. 2026-06-03
    days on market $359,900 Active 23 DOM
13. 2026-06-02
    days on market $359,900 Active 22 DOM
14. 2026-06-01
    days on market $359,900 Active 21 DOM
15. 2026-05-31
    days on market $359,900 Active 20 DOM
16. 2026-05-30
    days on market $359,900 Active 19 DOM
17. 2026-05-11
    historical
18. 2026-04-22
    listed $359,900 Active
19. 2026-04-22
    listed $359,900 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: $32,286
• − Mortgage interest: −$20,160
• − Property taxes: −$5,398
• − Insurance: −$1,800
• − Repairs & maintenance: −$2,583
• − Management: −$2,583
• − HOA: −$528
• − Depreciation: −$10,470
• Taxable loss: −$11,235
• Est. tax savings @ 24.0%: +$2,697
• After-tax cash flow: $-2,172/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 · 1 photo

Good 80/100 None rehab

This home is in excellent condition with modern finishes and energy-efficient features. It is move-in ready with minimal maintenance required.

Value-add opportunities

• Both Painting the exterior and interior — Fresh paint enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value.
• Both Add a smart home system — Modern technology can increase both resale and rental appeal.
• Both Install smart locks — Smart locks can increase both resale and rental value by enhancing security and convenience.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value. ↑
• Both Add a smart home system — Modern technology can increase both resale and rental appeal. ↑
• Both Install smart locks — Smart locks can increase both resale and rental value by enhancing security and convenience. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Burnettown

• Score: 64/100
• State rank: #159
• US rank: #14711

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Burnettown, SC
• County: Aiken County · 116,534 people
• City population: 931
• 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

+0.0% since first listed

3 events — show timeline

• 2026-05-11 Listing Removed — Hive MLS
• 2026-04-22 Listed $359,900 Hive MLS
• 2026-04-22 Listed $359,900 Hive MLS