244 Argent Pl · Hardeeville, SC 29909

$298,000

2 bd · 2.0 ba · 1,328 sqft · SingleFamily public records · 113 Days on market

Built 1999 4,792 sqft lot $224/sqft · 13% below area Est $343k · 13% under $224/mo HOA · 9% 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).

• ARV discount +13.5/15.0
• Cash flow +7.2/30.0
• Rent growth +4.8/5.0
• Schools +4.1/10.0
• 1% rule +3.2/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

Key facts

• Open layout
• En-suite bathroom
• Private cul-de-sac

Tags

• PRIVATE CUL-DE-SAC
• EXTENDED TWO-CAR GARAGE
• OPEN LAYOUT
• EN-SUITE BATHROOM
• WALKING TRAILS

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $298k.

Deal economics

• At list price, monthly cash flow is $-415 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $225k (24.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (18.1% below list).
• Recommended offer: $225k (24.6% below list) — sets the bar for cash-flow.
• Cap rate 4.6% vs local median 3.6% in Hardeeville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 65/100 on livability (#136 in SC) — a middle-class / working-renter tenant base. Strengths: health & safety A+, crime B+, housing B+; 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.
• Zoned schools: Okatie Elementary (math 67% / reading 62%, grade B, #56 of 597 statewide, top 10%, 609 students, 26% FRL); Bluffton Middle (math 40% / reading 46%, grade D-, #60 of 229 statewide, top 26%, 872 students, 45% FRL); Bluffton High (math 69% / reading 85%, grade A-, #28 of 196 statewide, top 16%, 1,350 students, 38% FRL).
• Zoned-school proficiency averages 62% at this address vs 46% district-wide (+15 pts) — the actual schools serving this property are materially stronger than the Beaufort 01 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+9.3%/yr); 657 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,824 units permitted in Beaufort County in 2024 (618 in 5+ unit buildings).
• This rent runs 32% of the median local income ($91k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Beaufort County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 113 days — a 9% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 11y 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $224,601 (24.6% 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 113 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.82% ✗
• Cap rate: 4.62%
• Cash-on-cash: -5.98%
• DSCR: 0.73
• GRM: 10.2

CMA / ARV

• ARV (median comp): $343,454
• List price: $298,000
• Delta: -13.23%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
265 Argent Pl	0.09mi	2/2.0	1,328 (0%)	6mo	$340,000	$256	91
237 Argent Pl	0.05mi	2/2.0	1,310 (-1%)	9mo	$325,000	$248	88
18 Bailey Ln	0.28mi	2/2.0	1,280 (-4%)	1mo	$345,000	$270	80
19 Bailey Ln	0.27mi	2/2.0	1,416 (+7%)	3mo	$399,000	$282	74
10 Norton Ct	0.15mi	2/2.0	1,445 (+9%)	6mo	$277,000	$192	73
5 Stoney Ct	0.21mi	2/2.0	1,180 (-11%)	1mo	$285,000	$242	71
3 Mackay Ln	0.16mi	2/2.0	1,445 (+9%)	11mo	$318,000	$220	69
31 Bailey Ln	0.21mi	2/2.0	1,463 (+10%)	11mo	$379,900	$260	64
2201 Freshwater Ln	0.60mi	2/2.0	1,340 (+1%)	9mo	$385,000	$287	63
106 Hunley Ct	0.54mi	2/2.0	1,464 (+10%)	5mo	$318,000	$217	54
2 Graham Ct	0.71mi	2/2.0	1,378 (+4%)	9mo	$332,000	$241	53
141 Auditorium Rd	0.55mi	3/2.0 (+1)	1,459 (+10%)	1mo	$389,000	$267	52

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -20.2%
• Equity multiple: 0.26×
• Total profit: $-61,647
• Equity at exit: $44,433

10-year hold

• IRR: -4.1%
• Equity multiple: 0.66×
• Total profit: $-28,212
• Equity at exit: $25,766

Cash invested: $83,440 (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 29909

• Home prices YoY: -12.5%
• Rents YoY: 9.3%
• Active inventory: 657
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,440 high
• Mortgage (P&I): −$1,563
• Tax from tax record: −$432 /mo · $5,185/yr
• Insurance: −$124
• HOA: −$224
• Vacancy / Maint / Mgmt: −$512
• Net cashflow: $-415

Break-even live

Break-even rent $2,966

Max offer price $224,601

Occupancy floor —

Sensitivity live

Price	-10% $-247	-5% $-331	+0% $-415	+5% $-500	+10% $-584
Rent	-10% $-608	-5% $-512	+0% $-415	+5% $-319	+10% $-223
Rate	-1.0pp $-265	-0.5pp $-340	base $-415	+0.5pp $-493	+1.0pp $-571

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: $74,500
• Closing costs: $8,940
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20 Fickling Ct Bluffton, SC	2.0	2.0	1742	$2,800	$1.61	45d	1	0.60mi
133 Stratford Village Way Bluffton, SC	2.0	2.0	1835	$2,995	$1.63	45d	1	0.91mi
103 Sandlapper Dr Hardeeville, SC	1.0–3.0	1.0–2.5	901	$2,115	$2.35	15d	1	0.93mi
82 Ardmore Garden Dr Hardeeville, SC	3.0	2.0	1531	$2,225	$1.45	15d	1	0.96mi
321 Donegal Dr Hardeeville, SC	1.0–3.0	1.0–2.0	1120	$1,684	$1.50	15d	46	0.96mi
55 Purry Cir Bluffton, SC	2.0	2.0	1445	$2,500	$1.73	45d	1	0.97mi
110 University Pkwy Okatie, SC	2.0	2.5	1252	$1,900	$1.52	15d	1	0.99mi
149 Lazy Daisy Dr Bluffton, SC	2.0	2.0	1240	$2,500	$2.02	22d	1	1.08mi
61 Zubler St Bluffton, SC	2.0	2.0	1053	$1,970	$1.87	22d	1	1.08mi
521 Eastwater Ln Okatie, SC	2.0	2.5	1252	$2,250	$1.80	15d	1	1.10mi
193 University Pkwy Okatie, SC	3.0	2.0	1257	$2,350	$1.87	15d	1	1.24mi
329 Mystic Point Dr Okatie, SC	2.0	2.0	1084	$2,500	$2.31	15d	1	1.39mi
309 Hampton Pl Bluffton, SC	2.0	2.0	1633	$3,200	$1.96	15d	1	1.39mi
60 Padgett Dr Bluffton, SC	2.0	2.0	1089	$2,300	$2.11	45d	1	1.44mi

HOA detail

• Monthly dues: $224 · $2,688/yr
• Likely covers: poolgym

Listing history 21 events

1. 2026-05-07
   status Pending 1219-char remark

   Show marketing remark (1219 chars)

   Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

2. 2026-04-17
   status Active 1219-char remark

   Show marketing remark (1219 chars)

   Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

3. 2026-03-31
   historical Under Contract - Take Backup 1219-char remark

   Show marketing remark (1219 chars)

   Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

4. 2026-03-31
   status Pending 1219-char remark

   Show marketing remark (1219 chars)

   Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

5. 2026-01-14
   listed $298,000 Active
6. 2026-01-12
   listed $298,000 Active 1219-char remark

   Show marketing remark (1219 chars)

   Welcome to 244 Argent Place, a charming residence perfectly situated on a quiet, private cul-de-sac in the highly sought-after Sun City community. This meticulously maintained Chesapeake model home stands out with its thoughtful design and significant mechanical upgrades, offering both beauty and peace of mind. The property features a new roof installed in 2020 and a brand-new HVAC system from 2024, ensuring long-term comfort and efficiency for the next owner. The interior offers a bright and welcoming 2-bedroom, 2-bath layout, where the open-concept living space serves as the perfect hub for daily life and entertaining. A major highlight of this home is the extended garage, providing ample additional square footage for a workshop, golf cart parking, or extra storage. The two spacious bedrooms are positioned for maximum privacy, including a primary suite with its own dedicated en-suite bathroom. Enjoy the serenity of a cul-de-sac setting paired with the unparalleled lifestyle of Sun City, including world-class golf, fitness centers, pools, and miles of walking trails. This home is a rare find that combines a popular floor plan with major system updates in a prime location. Property to be sold as-is.

7. 2024-10-24
   soldstatus $342,000
8. 2024-10-17
   soldstatus $342,000 Closed
9. 2024-10-17
   soldstatus $342,000 Closed
10. 2024-09-18
    status Pending
11. 2024-08-30
    status Active
12. 2024-08-16
    listed $345,000 Active
13. 2024-08-16
    listed $345,000
14. 2018-04-03
    soldstatus $175,000
15. 2018-03-29
    soldstatus $175,000
16. 2017-11-01
    listed $184,000
17. 2016-02-23
    soldstatus $168,000
18. 2016-02-22
    soldstatus $168,000
19. 2015-12-10
    listed $175,500
20. 1999-11-19
    soldstatus $117,605
21. 1999-11-18
    soldstatus $141,371

ⓘ 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: $5,185 · $432/mo
• Projected year-2 tax: $5,185 · $432/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,278
• − Mortgage interest: −$16,693
• − Property taxes: −$5,185
• − Insurance: −$1,490
• − Repairs & maintenance: −$2,342
• − Management: −$2,342
• − HOA: −$2,688
• − Depreciation: −$8,669
• Taxable loss: −$10,131
• Est. tax savings @ 24.0%: +$2,431
• After-tax cash flow: $-2,555/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 — Hardeeville

• Score: 65/100
• State rank: #136
• US rank: #13105

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Beaufort County · 163,770 people
• City population: 11,373
• Metro: Hilton Head Island-Bluffton, SC
• Population (ZIP): 24,003
• Household income: $91,294
• Rent vs Own: 8.4% rent · 91.6% own
• Severe rent burden: 268.0

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 (89%)
• Race & ethnicity: White 89% Black 4% Hispanic / Latino 4% Two or more races 3% Asian 1%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 2%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 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: ▼ -27.99%
• Current HPI: 196.0491
• Rent YoY: ▲ 9.31%
• 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

+110.8% since first listed

21 events — show timeline

• 2026-05-07 Pending — LRMLS
• 2026-04-17 Relisted — LRMLS
• 2026-03-31 Contingent — LRMLS
• 2026-03-31 Pending — LRMLS
• 2026-01-14 Listed $298,000 RSMLS
• 2026-01-12 Listed $298,000 LRMLS
• 2024-10-24 Sold (Public Records) $342,000 Public Records
• 2024-10-17 Sold (MLS) $342,000 RSMLS
• 2024-10-17 Sold (MLS) $342,000 LRMLS
• 2024-09-18 Pending — RSMLS
• 2024-08-30 Relisted — RSMLS
• 2024-08-16 Listed $345,000 RSMLS
• 2024-08-16 Listed $345,000 LRMLS
• 2018-04-03 Sold (Public Records) $175,000 Public Records
• 2018-03-29 Sold (MLS) $175,000 RSMLS
• 2017-11-01 Listed $184,000 RSMLS
• 2016-02-23 Sold (Public Records) $168,000 Public Records
• 2016-02-22 Sold (MLS) $168,000 RSMLS
• 2015-12-10 Listed $175,500 RSMLS
• 1999-11-19 Sold (Public Records) $117,605 Public Records
• 1999-11-18 Sold (Public Records) $141,371 Public Records

Property tax history

+8.7%/yr

Latest (2025): $5,185 · +379.9% YoY. Source: county tax records.