108 Rudy Dr · Hardeeville, SC 29927

$309,900

3 bd · 2.0 ba · 1,183 sqft · SingleFamily · 72 Days on market

Built 2023 0.26 ac lot Est $278k · 11% over ↓ 8% since listing

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Why this score? — see what drove the F 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 +10.0/10.0
• Cash flow +7.7/30.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• ARV discount +2.3/15.0
• Rent growth +2.1/5.0
• DSCR +1.8/10.0
• Schools +1.4/10.0

Listing remarks

Discovеr eхcерtional vаluе and an unbeatable locatiοn іn the Lowcountry at Jamestown Estates. This inviting ranch-style home with a one-car garage offers the perfect blend of comfort and convenience. The open-concept layout features a spacious kitchen and living area designed for easy entertaining and everyday living. The privately situated primary suite includes a large walk-in closet and an en-suite bath with a roomy walk-in shower. Two additional bedrooms offer generous closet space and share a full bathroom. Enjoy outdoor living with a covered front entry, rear patio, and peaceful wooded views that provide added privacy and natural beauty. Smart Home Technology, security cameras

Key facts

• 0.26 acre lot
• Garage
• Built 2023

Property features AI

Exterior

• Parking: Attached one-car garage
• Security: Smoke detector(s)
• Utilities: Public water
• Home design: Single-story; New construction, never occupied; Custom builder model
• Construction: Vinyl siding; Fiberglass roof
• Exterior features: Patio; Has view

Interior

• Kitchen: Kitchen
• Bedrooms: Primary on main level
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Unfurnished; Main level primary; Smooth ceilings
• Laundry & utility: Garage (utility/room listed)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $310k.

Deal economics

• At list price, monthly cash flow is $-352 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $259k (16.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $226k (26.9% below list).
• Recommended offer: $226k (26.9% below list) — sets the bar for 1% rule.
• Cap rate 4.9% vs local median 3.6% in Hardeeville — 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 65/100 on livability (#136 in SC) — a middle-class / working-renter tenant base. Strengths: health & safety A+, crime B+, housing B+; Watch: schools F, amenities F, commute F.
• Jasper 01 (rural): math 12% / reading 22% proficiency, ranked #77 of 80 in SC (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-1.7%/yr); 503 active listings in the ZIP; 1,385 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).
• This rent runs 37% of the median local income ($73k/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 + $31k appreciation (10.0% local appreciation)).
• Jasper County population projected at +46% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$53k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($291k) 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 97% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $226,487 (26.9% 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 72 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.73% ✗
• Cap rate: 4.93%
• Cash-on-cash: -4.87%
• DSCR: 0.78
• GRM: 11.4

CMA / ARV

• ARV (on-the-fly): $278,005
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
220 Rudy Dr	0.04mi	3/2.0	1,256 (+6%)	8mo	$295,000	$235	81
612 Rudy Dr	0.07mi	3/2.0	1,280 (+8%)	14mo	$290,000	$227	72
89 Amber Ct	0.08mi	3/2.5	1,360 (+15%)	6mo	$334,000	$246	64

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

Projected returns pro-forma

10.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 20.0%
• Equity multiple: 2.61×
• Total profit: $139,732
• Equity at exit: $279,182

10-year hold

• IRR: 17.7%
• Equity multiple: 5.81×
• Total profit: $417,321
• Equity at exit: $602,068

Cash invested: $86,772 (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 29927

• Home prices YoY: 18.8%
• Rents YoY: -1.7%
• Active inventory: 503
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,265 medium
• Mortgage (P&I): −$1,625
• Tax est. 1.5%: −$387 /mo · $4,648/yr
• Insurance: −$129
• HOA: −$0
• Vacancy / Maint / Mgmt: −$476
• Net cashflow: $-352

Break-even live

Break-even rent $2,711

Max offer price $258,907

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: $77,475
• Closing costs: $9,297
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-18
   days on market $309,900 Active 72 DOM
2. 2026-06-17
   days on market $309,900 Active 71 DOM
3. 2026-06-16
   days on market $309,900 Active 70 DOM
4. 2026-06-15
   days on market $309,900 Active 69 DOM
5. 2026-06-14
   days on market $309,900 Active 67 DOM
6. 2026-06-13
   days on market $309,900 Active 66 DOM
7. 2026-06-10
   days on market $309,900 Active 64 DOM
8. 2026-06-09
   days on market $309,900 Active 63 DOM
9. 2026-06-08
   days on market $309,900 Active 62 DOM
10. 2026-06-07
    days on market $309,900 Active 61 DOM
11. 2026-06-03
    days on market $309,900 Active 57 DOM
12. 2026-06-02
    days on market $309,900 Active 56 DOM
13. 2026-06-01
    days on market $309,900 Active 55 DOM
14. 2026-05-31
    days on market $309,900 Active 54 DOM
15. 2026-05-30
    days on market $309,900 Active 53 DOM
16. 2026-05-19
    price $309,900
17. 2026-04-07
    listed $319,900 Active
18. 2023-07-08
    listed $269,990 Active
19. 2023-03-14
    soldstatus $2,827,000
20. 2023-03-13
    soldstatus $2,000,000
21. 2007-01-30
    soldstatus $336,000

ⓘ 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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 18 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 97% 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: $27,178
• − Mortgage interest: −$17,359
• − Property taxes: −$4,648
• − Insurance: −$1,550
• − Repairs & maintenance: −$2,174
• − Management: −$2,174
• − Depreciation: −$9,015
• Taxable loss: −$9,743
• Est. tax savings @ 24.0%: +$2,338
• After-tax cash flow: $-1,891/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: Jasper 01
• NCES district ID: 4502520
• Math proficiency: 12% ▼ -11.00%
• Reading proficiency: 22% ▼ -5.00%
• Median HH income: $37,878
• Composite: 14.23/100
• National rank: #9450
• State rank: #77 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: Jasper County · 26,362 people
• City population: 11,373
• Metro: Hilton Head Island-Bluffton, SC
• Population (ZIP): 11,373
• Household income: $72,821
• Rent vs Own: 24.4% rent · 75.6% own
• Severe rent burden: 337.0

Population outlook (Jasper County) Hauer SSP2

• Today (2025): 34,428 people
• By 2030: 37,718 · +9.6%
• By 2040: 44,061 · +28.0%
• By 2050: 50,302 · +46.1%
• By 2075: 66,869 · +94.2%
• By 2100: 110,455 · +220.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: White 41% Hispanic / Latino 29% Black 27% Two or more races 14%
• Hispanic origin (detail): Mexican 14% Puerto Rican 3%
• Common ancestry: Iranian 2% Slovak 2% Romanian 1%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 71% English-only · Spanish 26% Russian/Polish/Slavic 1%

Political lean MEDSL · Jasper

• 2024 margin: Lean R (+9.6) · D 44.7% · R 54.3% · Other 1.0%
• 2008→2024 swing: -32.5pp toward R · 2008: 22.9pp · 2024: -9.6pp
• All cycles: 2024: R+9.6 2020: D+0.8 2016: D+11.9 2012: D+15.6 2008: D+22.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 60.81%
• Current HPI: 384.6071
• Rent YoY: ▼ -1.68%
• 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

-7.8% since first listed

6 events — show timeline

• 2026-05-19 Price Changed $309,900 RSMLS
• 2026-04-07 Listed $319,900 RSMLS
• 2023-07-08 Listed $269,990 RSMLS
• 2023-03-14 Sold (Public Records) $2,827,000 Public Records
• 2023-03-13 Sold (Public Records) $2,000,000 Public Records
• 2007-01-30 Sold (Public Records) $336,000 Public Records

Property tax history

+8.0%/yr

Latest (2022): $275 · +14.6% YoY. Source: county tax records.