1010 Laurens St · Camden, SC 29020

$249,999

4 bd · 2.5 ba · 2,010 sqft · Other public records · 490 Days on market

Built 1951 0.46 ac lot ↓ 12% since listing

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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 +14.2/30.0
• ARV discount +7.5/15.0
• DSCR +4.3/10.0
• Schools +3.8/10.0
• 1% rule +3.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This beautiful home offers comfortable living spaces and thoughtful features throughout. The great room welcomes you with beautiful hardwood floors, a cozy fireplace, and access to a serene sunroom, perfect for relaxing or entertaining. The kitchen boasts ample cabinet space, LVP flooring, and original glazed cabinets, offering both functionality and charm. The living room features a second fireplace, LVP flooring, and a convenient washer/dryer closet for added convenience. The master bedroom is a retreat with soft carpeting, a private closet, and a half bath for added privacy. Outside, you'll find a detached 1-car garage with shelving, offering plenty of storage space. The backyard is equi

Key facts

• Second fireplace
• Serene sunroom
• Ample cabinet space

Tags

• HARDWOOD FLOORS
• COZY FIREPLACE
• SERENE SUNROOM
• AMPLE CABINET SPACE
• ORIGINAL GLAZED CABINETS
• SECOND FIREPLACE

Property features AI

Exterior

• Parking: Five total parking spaces; One garage space; Detached carport (main level)
• Utilities: Public sewer; Public water
• Home design: Single-story home
• Construction: Crawlspace foundation
• Exterior features: Vinyl exterior finish; Rear chain-link fence (rear only); Paved road access; Public water

Interior

• Kitchen: Formica countertops; Glazed cabinets; Luxury vinyl plank flooring; Fireplace access from kitchen area; Refrigerator included; Gas range
• Bedrooms: Master bedroom on main level with private bath, ceiling fan, walk-in closet and carpeted floors; Bedroom 2 on main level with private closet and carpeted floors; Bedroom 3 on main level with private closet and hardwood floors; Bedroom 4 on main level with private closet and hardwood floors
• Flooring: Carpet in bedrooms; Hardwood in some bedrooms and great room; Luxury vinyl plank in living areas and kitchen
• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Central cooling; Central heating and gas pack
• Interior features: Two wood-burning fireplaces; Refrigerator included; Gas range; Fireplace in living area; Ceiling fans in living room and master bedroom; Office
• Laundry & utility: Main-level laundry in closet (common, heated space)

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath other listed at $250k.

Deal economics

• At list price, monthly cash flow is $43 ($512/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 $210k (16.0% below list).
• Recommended offer: $210k (16.0% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 3.8% in Camden — 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 61/100 on livability (#218 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, crime F, amenities F.
• Kershaw 01 (rural): math 38% / reading 51% proficiency, ranked #25 of 80 in SC (top 31%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Camden Elementary (math 41% / reading 46%, grade F, #246 of 597 statewide, top 42%, 627 students, 65% FRL); Camden High (math 37% / reading 77%, grade C, #120 of 196 statewide, top 64%, 1,124 students, 71% FRL) — zoned schools average 68% FRL vs 49% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 231 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 491 units permitted in Kershaw County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Kershaw County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 490 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $35k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 66% 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 $210,000 (16.0% below list)

Questions for the listing agent

1. It's been on market 490 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
2. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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. 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?
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: 0.84% ✗
• Cap rate: 6.50%
• Cash-on-cash: 0.73%
• DSCR: 1.03
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -15.2%
• Equity multiple: 0.46×
• Total profit: $-37,830
• Equity at exit: $37,276

10-year hold

• IRR: -6.6%
• Equity multiple: 0.58×
• Total profit: $-29,592
• Equity at exit: $21,615

Cash invested: $70,000 (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 29020

• Home prices YoY: -29.7%
• Active inventory: 231
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,100 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$201 /mo · $2,414/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$441
• Net cashflow: $43

Break-even live

Break-even rent $2,046

Max offer price $249,999

Occupancy floor 93%

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
85 Ridge Circle Dr Camden, SC	4.0	2.5	2488	$2,100	$0.84	23d	1	1.00mi

Listing history 9 events

1. 2026-05-21
   status Pending
2. 2026-05-06
   historical Active - Contingent
3. 2026-02-26
   status Active
4. 2026-02-12
   historical Active - Contingent
5. 2025-11-19
   price $249,999
6. 2025-07-15
   price $257,000
7. 2025-05-09
   price $265,000
8. 2025-03-07
   price $275,000
9. 2025-01-16
   listed $285,000 Active

ⓘ 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: $2,414 · $201/mo
• Projected year-2 tax: $2,414 · $201/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 4/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 66% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,200
• − Mortgage interest: −$14,004
• − Property taxes: −$2,414
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,016
• − Management: −$2,016
• − Depreciation: −$7,273
• Taxable loss: −$3,772
• Est. tax savings @ 24.0%: +$905
• After-tax cash flow: $1,417/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: Kershaw 01
• NCES district ID: 4502550
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 51% ▲ 6.00%
• Median HH income: $44,585
• Composite: 37.66/100
• National rank: #4371
• State rank: #25 of 80 in SC

Livability — Camden

• Score: 61/100
• State rank: #218
• US rank: #18355

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 22,868

Population outlook (Kershaw County) Hauer SSP2

• Today (2025): 67,683 people
• By 2030: 69,374 · +2.5%
• By 2040: 71,936 · +6.3%
• By 2050: 73,292 · +8.3%
• By 2075: 75,762 · +11.9%
• By 2100: 72,620 · +7.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 28% Hispanic / Latino 6% Two or more races 3%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Serbian 2% Slovak 2% Italian 1%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · Kershaw

• 2024 margin: Strong R (+28.2) · D 35.3% · R 63.5% · Other 1.2%
• 2008→2024 swing: -9.5pp toward R · 2008: -18.7pp · 2024: -28.2pp
• All cycles: 2024: R+28.2 2020: R+23.1 2016: R+24.8 2012: R+18.6 2008: R+18.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.81%
• Current HPI: 227.0389
• 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

-12.3% since first listed

9 events — show timeline

• 2026-05-21 Pending — Consolidated MLS
• 2026-05-06 Contingent — Consolidated MLS
• 2026-02-26 Relisted — Consolidated MLS
• 2026-02-12 Contingent — Consolidated MLS
• 2025-11-19 Price Changed $249,999 Consolidated MLS
• 2025-07-15 Price Changed $257,000 Consolidated MLS
• 2025-05-09 Price Changed $265,000 Consolidated MLS
• 2025-03-07 Price Changed $275,000 Consolidated MLS
• 2025-01-16 Listed $285,000 Consolidated MLS

Property tax history

+18.7%/yr

Latest (2025): $2,414 · +4.9% YoY. Source: county tax records.