1433 Aralia Dr · Columbia, SC 29205

$196,000

3 bd · 1.0 ba · 1,086 sqft · SingleFamily public records · 52 Days on market

Built 1959 8,276 sqft lot Est $237k · 17% 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 +15.0/15.0
• Cash flow +13.8/30.0
• DSCR +4.2/10.0
• Rent growth +4.2/5.0
• Livability +3.9/5.0
• 1% rule +3.1/10.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Move-in ready and ideally located in the heart of Columbia, this charming one-story brick bungalow blends timeless character with thoughtful updates. Featuring 3 bedrooms, 1 bathroom, 1,082 square feet of living space, and an attached carport, this home is truly move-in ready and a perfect fit for USC students, young professionals, or families. Inside, the spacious living room is filled with natural light and showcases beautiful hardwood floors, creating a warm and inviting space to gather. The renovated kitchen has been tastefully updated with tile flooring, painted cabinetry, granite countertops, a tiled backsplash, and stainless steel appliances, providing both style and functionality. T

Key facts

• Brick bungalow
• Fenced in backyard
• Renovated kitchen

Tags

• BRICK BUNGALOW
• RENOVATED KITCHEN
• FENCED IN BACKYARD
• NEW ROOF
• HVAC SYSTEM
• 16 MINUTES TO GERVAIS STREET

Property features AI

Exterior

• Parking: Attached carport; 3 parking spaces
• Utilities: Public water; Public sewer
• Home design: Single-level main living with 1.2 total stories
• Construction: Brick above foundation with vinyl exterior; Crawlspace foundation
• Exterior features: Covered front porch; Chain link fencing at rear

Interior

• Kitchen: Eat-in kitchen; Granite countertops; Tile floor; Tiled backsplash; Painted cabinets; Microwave above stove; Free-standing smooth surface range
• Bedrooms: Master bedroom on main level with ceiling fan, private closet, hardwood and tile floors, tub/shower; Bedroom 2 on main level with ceiling fan, shared bath, hardwood and tile floors, tub/shower; Bedroom 3 on main level with ceiling fan, shared bath, hardwood and tile floors, free-standing tub
• Flooring: Hardwood and tile flooring throughout main living areas and bedrooms
• Bathrooms: One full main bathroom
• Heating & cooling: Central cooling; Central heating with gas pack
• Interior features: Smoke detector; Attic with pull-down access
• Laundry & utility: Laundry closet on main level; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $196k.

Deal economics

• At list price, monthly cash flow is $17 ($199/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $160k (18.6% below list).
• Recommended offer: $160k (18.6% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 5.0% in Columbia — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#18 in SC, #2,436 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
• Richland 01 (urban): math 26% / reading 36% proficiency, ranked #54 of 80 in SC (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: South Kilbourne Elementary (math 12% / reading 17%, grade F, #553 of 597 statewide, top 95%, 296 students, 100% FRL); Dreher High (math 47% / reading 92%, grade B, #60 of 196 statewide, top 32%, 1,150 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+7.0%/yr); 150 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).

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.
• Richland 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 52 days — a 3% lower offer ($190k) is reasonable based on typical stale-listing flexibility.
• 2 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.
• Current owner paid $54k; list at $196k implies a 264% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 72% 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 $159,608 (18.6% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 0.81% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.36%
• DSCR: 1.02
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $236,748
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1207 Chevis St	0.22mi	2/2.0 (-1)	1,116 (+3%)	2mo	$243,000	$218	75

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 · 6.95% rent growth · sell at horizon

5-year hold

• IRR: -11.7%
• Equity multiple: 0.56×
• Total profit: $-24,154
• Equity at exit: $29,224

10-year hold

• IRR: 2.1%
• Equity multiple: 1.17×
• Total profit: $9,508
• Equity at exit: $16,946

Cash invested: $54,880 (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 29205

• Rents YoY: 7.0%
• Active inventory: 150
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,596 high
• Mortgage (P&I): −$1,028
• Tax from tax record: −$135 /mo · $1,618/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $17

Break-even live

Break-even rent $1,575

Max offer price $196,000

Occupancy floor 94%

Sensitivity live

Price	-10% $128	-5% $72	+0% $17	+5% $-39	+10% $-94
Rent	-10% $-110	-5% $-46	+0% $17	+5% $80	+10% $143
Rate	-1.0pp $115	-0.5pp $66	base $17	+0.5pp $-34	+1.0pp $-86

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: $49,000
• Closing costs: $5,880
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1324 Deerwood St Unit 1 Columbia, SC	2.0	2.0	1030	$1,350	$1.31	24d	1	0.14mi
3626 Hydrangea St Columbia, SC	2.0	1.0	800	$1,040	$1.30	22d	1	0.30mi
1649 S Beltline Blvd Columbia, SC	2.0	1.0	900	$1,250	$1.39	24d	1	0.40mi
3732 Hickory St Columbia, SC	2.0	1.5	840	$1,350	$1.61	24d	1	0.44mi
914 Chevis St Columbia, SC	3.0	2.0	1280	$2,100	$1.64	24d	1	0.47mi
1 Tempo Ct Columbia, SC	3.0	1.5	1032	$1,745	$1.69	24d	1	0.53mi
823 S Kilbourne Rd Columbia, SC	2.0	1.0	743	$1,100	$1.48	24d	1	0.55mi
1840 Tall Pines Cir Columbia, SC	3.0	1.5	1021	$1,350	$1.32	15d	1	0.56mi
21 Tempo Ct Columbia, SC	3.0	1.5	1032	$1,498	$1.45	12d	1	0.56mi
828 Suber St Unit E Columbia, SC	2.0	1.0	1100	$995	$0.90	12d	1	0.56mi
3901 Bright Ave Columbia, SC	3.0	1.0	1047	$1,380	$1.32	15d	1	0.57mi
23 Cavalier Ct Unit A Columbia, SC	2.0	1.0	871	$1,300	$1.49	24d	1	0.57mi
721 Deerwood St Columbia, SC	2.0	1.0	1000	$1,150	$1.15	15d	1	0.64mi
3425 Manor Ave Columbia, SC	3.0	2.0	1200	$2,100	$1.75	12d	1	0.77mi
3840 Overbrook Dr Columbia, SC	2.0	2.0	900	$1,595	$1.77	24d	1	0.79mi
524 S Beltline Blvd Columbia, SC	2.0	1.0	1050	$1,300	$1.24	24d	1	0.85mi
13 Acme St Columbia, SC	3.0	1.0	900	$1,300	$1.44	24d	1	0.86mi
102 Burdock Cir Columbia, SC	4.0	2.0	1451	$1,550	$1.07	22d	1	0.87mi
501 Pelham Dr Columbia, SC	1.0–2.0	1.0–2.0	805	$1,625	$2.02	3d	24	0.97mi
500 Gills Creek Pkwy Columbia, SC	1.0–2.0	1.0–2.0	807	$1,375	$1.70	12d	27	1.03mi
320 S Beltline Blvd Columbia, SC	2.0	1.0	800	$1,048	$1.31	24d	5	1.03mi
2725 Kingswood Dr Columbia, SC	3.0	1.0	940	$1,500	$1.60	24d	1	1.15mi
317 Beltline Blvd Unit 1 Columbia, SC	3.0	1.0	1150	$1,200	$1.04	24d	1	1.22mi
19 Graymont Cir Unit NA Columbia, SC	3.0	2.0	1250	$2,400	$1.92	24d	1	1.27mi
1 Graymont Cir Columbia, SC	3.0	2.5	1400	$2,175	$1.55	24d	1	1.28mi
114 Easy St Columbia, SC	2.0	2.0	1100	$1,500	$1.36	12d	1	1.30mi
4319 Wilmot Ave Columbia, SC	3.0	1.0	1000	$1,650	$1.65	24d	1	1.30mi
2218 Holt Dr Columbia, SC	4.0	3.5	1400	$2,400	$1.71	24d	1	1.33mi
222 Prospect St Unit 224 Columbia, SC	2.0	1.0	750	$1,250	$1.67	24d	1	1.35mi
3125 Heyward St Unit A Columbia, SC	3.0	1.0	1200	$2,400	$2.00	24d	1	1.41mi
3125 Heyward St Unit B Columbia, SC	2.0	1.0	1100	$1,600	$1.45	24d	1	1.41mi
3800 Wilmot Ave Columbia, SC	2.0	1.0	720	$1,500	$2.08	24d	1	1.43mi
715 Montague Rd Columbia, SC	2.0	1.0	1000	$1,180	$1.18	24d	1	1.44mi

Listing history 10 events

1. 2026-05-11
   status Pending
2. 2026-04-22
   price $196,000
3. 2026-03-20
   listed $199,000 Active
4. 2024-02-10
   status Pending
5. 2024-01-26
   historical Active - Contingent
6. 2024-01-24
   price $184,900
7. 2023-12-09
   price $194,900
8. 2023-10-10
   listed $199,000 Active
9. 1990-11-19
   soldstatus $53,800
10. 1985-10-01
    soldstatus $44,500

ⓘ 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: $1,618 · $135/mo
• Projected year-2 tax: $1,618 · $135/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥109°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 72% 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: $19,153
• − Mortgage interest: −$10,979
• − Property taxes: −$1,618
• − Insurance: −$980
• − Repairs & maintenance: −$1,532
• − Management: −$1,532
• − Depreciation: −$5,702
• Taxable loss: −$3,190
• Est. tax savings @ 24.0%: +$766
• After-tax cash flow: $964/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: Richland 01
• NCES district ID: 4503360
• Math proficiency: 26% ▼ -7.00%
• Reading proficiency: 36% ▼ -5.00%
• Median HH income: $38,931
• Composite: 25.94/100
• National rank: #7335
• State rank: #54 of 80 in SC

Livability — Columbia

• Score: 78/100
• State rank: #18
• US rank: #2436

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Richland County · 389,530 people
• City population: 335,994
• Metro: Columbia, SC
• Population (ZIP): 22,223
• Household income: $64,231
• Rent vs Own: 47.6% rent · 52.4% own
• Severe rent burden: 1372.0

Population outlook (Richland County) Hauer SSP2

• Today (2025): 459,667 people
• By 2030: 487,524 · +6.1%
• By 2040: 542,035 · +17.9%
• By 2050: 595,371 · +29.5%
• By 2075: 732,998 · +59.5%
• By 2100: 820,415 · +78.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 16% Two or more races 6% Hispanic / Latino 5% Asian 3%
• Common ancestry: Serbian 6% Slovak 4% Lithuanian 3%
• Foreign-born: 4% · Canada, China
• Languages at home: 93% English-only · Spanish 3% German/W. Germanic 1% Chinese 1%

Political lean MEDSL · Richland

• 2024 margin: Solid D (+34.6) · D 66.4% · R 31.8% · Other 1.8%
• 2008→2024 swing: +5.7pp toward D · 2008: 28.9pp · 2024: 34.6pp
• All cycles: 2024: D+34.6 2020: D+38.3 2016: D+32.9 2012: D+33.3 2008: D+28.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -457.47%
• Current HPI: 230.5538
• Rent YoY: ▲ 6.95%
• Metro: Columbia, 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

+340.4% since first listed

10 events — show timeline

• 2026-05-11 Pending — Consolidated MLS
• 2026-04-22 Price Changed $196,000 Consolidated MLS
• 2026-03-20 Listed $199,000 Consolidated MLS
• 2024-02-10 Pending — Consolidated MLS
• 2024-01-26 Contingent — Consolidated MLS
• 2024-01-24 Price Changed $184,900 Consolidated MLS
• 2023-12-09 Price Changed $194,900 Consolidated MLS
• 2023-10-10 Listed $199,000 Consolidated MLS
• 1990-11-19 Sold (Public Records) $53,800 Public Records
• 1985-10-01 Sold (Public Records) $44,500 Public Records

Property tax history

-3.8%/yr

Latest (2025): $1,618 · +61.3% YoY. Source: county tax records.