1421 Orchid Ln · Richburg, SC 29729

$338,090

3 bd · 2.5 ba · 2,175 sqft · SingleFamily · 1 Days on market

Built 2026 6,098 sqft lot Est $335k · at est. $100/mo HOA · 4% 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 +8.4/30.0
• ARV discount +7.1/15.0
• Appreciation +6.5/10.0
• Livability +3.2/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.3/10.0
• Schools +2.3/10.0

Listing remarks

Stanton is an exciting NEW community in Richburg, SC offering a blend of county living and urban convenience. With Luxury amenities, residents can enjoy a high standard of living while having a variety of floor plans to choose from, including single story options. Stanton’s proximity to 1-77 makes commuting to Rock Hill and Charlotte a breeze, allowing for easy access to city excitement while still enjoying the tranquility of suburban lifestyle. The Penwell is one of our two-story plans featured at Stanton in Richburg, SC. This gorgeous two-story home with impressive comfort, luxury, and style offers three bedrooms, two and a half bathrooms, and a two-car garage. Upon entering, you ar

Key facts

• Luxury amenities
• Breakfast bar
• Spacious family room

Tags

• LUXURY AMENITIES
• VARIETY OF FLOOR PLANS
• SPACIOUS FAMILY ROOM
• WALK-IN PANTRY
• STAINLESS STEEL APPLIANCES
• BREAKFAST BAR

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $338k.

Deal economics

• At list price, monthly cash flow is $-300 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $295k (12.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $270k (20.0% below list).
• Recommended offer: $270k (20.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#182 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, health & safety D+, amenities F.
• Chester 01 (rural): math 23% / reading 34% proficiency, ranked #59 of 80 in SC (top 74%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Lewisville Elementary (math 47% / reading 42%, grade F, #226 of 597 statewide, top 40%, 510 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 44% at this address vs 28% district-wide (+16 pts) — the actual schools serving this property are materially stronger than the Chester 01 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 81 active listings in the ZIP; 269 units permitted in Chester County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($2k loan paydown + $10k appreciation (3.0% local appreciation)).
• Chester County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $270,425 (20.0% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
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: 0.80% ✗
• Cap rate: 5.23%
• Cash-on-cash: -3.80%
• DSCR: 0.83
• GRM: 10.4

CMA / ARV

• ARV (on-the-fly): $334,950
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1235 Lavender Dr	0.07mi	3/2.5	2,175 (0%)	1mo	$315,054	$145	96
1240 Lavender Dr	0.10mi	3/2.5	2,175 (0%)	0mo	$325,850	$150	95
1319 Lily Dr	0.13mi	3/2.5	2,175 (0%)	2mo	$321,000	$148	93
1316 Lily Dr	0.16mi	4/2.5 (+1)	2,174 (-0%)	1mo	$317,000	$146	86
699 Lamorak Pl	0.53mi	4/2.5 (+1)	2,218 (+2%)	3mo	$355,900	$160	65
1513 Doran Ter	0.55mi	4/2.5 (+1)	2,218 (+2%)	2mo	$355,900	$160	64
1110 Elyan St	0.55mi	4/2.5 (+1)	2,218 (+2%)	6mo	$349,900	$158	61
642 Lamorak Pl	0.48mi	3/2.5	2,025 (-7%)	10mo	$327,900	$162	58
1520 Doran Ter	0.57mi	3/2.5	2,025 (-7%)	8mo	$304,900	$151	55
1544 Doran Ter	0.67mi	3/2.5	2,025 (-7%)	4mo	$310,900	$154	54
1534 Doran Ter	0.62mi	3/2.5	2,025 (-7%)	7mo	$308,900	$153	53
1564 Doran Ter	0.73mi	3/2.5	2,025 (-7%)	3mo	$310,900	$154	52

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

Projected returns pro-forma

2.99% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.0%
• Equity multiple: 1.23×
• Total profit: $21,598
• Equity at exit: $151,894

10-year hold

• IRR: 7.2%
• Equity multiple: 2.10×
• Total profit: $104,015
• Equity at exit: $233,990

Cash invested: $94,665 (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 29729

• Home prices YoY: 1.4%
• Active inventory: 81
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,704 medium
• Mortgage (P&I): −$1,773
• Tax est. 1.5%: −$423 /mo · $5,071/yr
• Insurance: −$141
• HOA: −$100
• Vacancy / Maint / Mgmt: −$568
• Net cashflow: $-300

Break-even live

Break-even rent $3,084

Max offer price $294,664

Occupancy floor —

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: $84,522
• Closing costs: $10,143
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $100 · $1,200/yr

Listing history 2 events

1. 2026-03-30
   status Pending
2. 2026-03-30
   listed $338,090 Active

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,451
• − Mortgage interest: −$18,938
• − Property taxes: −$5,071
• − Insurance: −$1,690
• − Repairs & maintenance: −$2,596
• − Management: −$2,596
• − HOA: −$1,200
• − Depreciation: −$9,835
• Taxable loss: −$9,477
• Est. tax savings @ 24.0%: +$2,274
• After-tax cash flow: $-1,327/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: Chester 01
• NCES district ID: 4501530
• Math proficiency: 23% ▼ -6.00%
• Reading proficiency: 34% ▬ 0.00%
• Median HH income: $34,041
• Composite: 23.39/100
• National rank: #7902
• State rank: #59 of 80 in SC

Livability — Richburg

• Score: 63/100
• State rank: #182
• US rank: #15927

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,313

Population outlook (Chester County) Hauer SSP2

• Today (2025): 30,121 people
• By 2030: 28,700 · -4.7%
• By 2040: 25,784 · -14.4%
• By 2050: 23,001 · -23.6%
• By 2075: 17,770 · -41.0%
• By 2100: 13,584 · -54.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Black 26% Two or more races 12% Hispanic / Latino 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Danish 2% Serbian 2% Lithuanian 2%
• Foreign-born: 2% · Canada, Guatemala
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Chester

• 2024 margin: R (+17.2) · D 40.8% · R 58.0% · Other 1.1%
• 2008→2024 swing: -25.5pp toward R · 2008: 8.3pp · 2024: -17.2pp
• All cycles: 2024: R+17.2 2020: R+10.9 2016: R+4.8 2012: D+10.5 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.99%
• Current HPI: 210.6518
• 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

2 events — show timeline

• 2026-03-30 Pending — CANOPYMLS as Distributed by MLS Grid
• 2026-03-30 Listed $338,090 CANOPYMLS as Distributed by MLS Grid