481 Geranium St · Graniteville, SC 29829

$300,000

4 bd · 3.0 ba · 2,264 sqft · SingleFamily public records · 48 Days on market

Built 2021 7,840 sqft lot Est $281k · 7% over $47/mo HOA · 2% of rent ↓ 19% 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 +14.0/30.0
• Appreciation +9.2/10.0
• ARV discount +4.4/15.0
• DSCR +4.3/10.0
• Schools +3.2/10.0
• Livability +3.0/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

COMP

Key facts

• Huge owner's suite
• Flex space
• Granite island

Tags

• HUGE OWNER'S SUITE
• GRANITE ISLAND
• TANKLESS WATER HEATER
• SPRINKLERS FRONT AND REAR
• DEDICATED LAUNDRY SPACE
• FLEX SPACE

Property features AI

Finance

• Other: Paved road access; Directions: Take Flat Roch Lane off Bettis Academy Road to right on Thimbleberry to first left onto Geranium; home is on the right.
• HOA & community: Homeowners association with an annual fee of $560 (about $46.67/month); Subdivision: Sage Creek; Community features: Other

Exterior

• Parking: Attached garage; 2-car garage; Paved driveway; Garage door opener
• Security: Security system; Smoke detectors
• Utilities: Public water; Public sewer; Electricity available; Natural gas available; Cable available; Phone available
• Home design: Single-family residence; Two levels
• Construction: Frame, HardiPlank-type and stone exterior; Asphalt roof; Slab foundation; Built as residential single-family home
• Exterior features: Front sprinklers; Level yard; Porch; Other exterior features

Interior

• Kitchen: Oven; Cooktop; Range; Self-cleaning oven; Dishwasher; Disposal; Electric water heater
• Bedrooms: Total rooms: 8
• Flooring: Carpet
• Bathrooms: 3 full bathrooms
• Heating & cooling: Natural gas heating; Fireplace heating; Central air conditioning; Electric cooling; Ceiling fan(s)
• Interior features: Ceiling fans; Walk-in closets; Kitchen island; Eat-in kitchen; Pantry; Fireplace
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $40 ($476/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 $237k (21.2% below list).
• Recommended offer: $237k (21.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#240 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime B+; Watch: amenities F, commute F, employment F.
• Aiken 01 (suburban): math 31% / reading 44% proficiency, ranked #36 of 80 in SC (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Byrd Elementary (math 28% / reading 36%, grade F, #369 of 597 statewide, top 64%, 657 students, 37% FRL); Leavelle Mccampbell Middle (math 19% / reading 32%, grade F, #162 of 229 statewide, top 71%, 650 students, 55% FRL); Midland Valley High (math 31% / reading 83%, grade C, #120 of 196 statewide, top 64%, 1,477 students, 62% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: 299 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).
• This rent runs 34% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (8.4% local appreciation)).
• Aiken County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (8.4% appreciation + 3.0% rent growth), your $84k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($291k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y 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 $230k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 66% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $236,542 (21.2% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
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 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.79% ✗
• Cap rate: 6.45%
• Cash-on-cash: 0.57%
• DSCR: 1.03
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $280,736
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
708 Flat Rock Ln	0.10mi	4/2.5	2,342 (+3%)	5mo	$399,000	$170	83
4055 Thimbleberry Dr	0.06mi	3/2.5 (-1)	2,273 (+0%)	12mo	$270,000	$119	80
568 Buttonwood Dr	0.37mi	4/2.5	2,232 (-1%)	1mo	$267,000	$120	77
4145 Thimbleberry Dr	0.14mi	3/2.5 (-1)	2,357 (+4%)	10mo	$273,000	$116	71
3032 Walking View Ct	0.35mi	4/2.5	2,359 (+4%)	5mo	$250,000	$106	71
8045 Cozy Knl	0.19mi	4/2.5	2,149 (-5%)	15mo	$274,500	$128	68
4109 Thimbleberry Dr	0.09mi	4/2.5	1,929 (-15%)	9mo	$265,000	$137	62
8003 Red Rock Way	0.40mi	4/2.0	1,966 (-13%)	1mo	$285,000	$145	55
8039 Red Rock Way Way	0.42mi	4/2.5	2,456 (+8%)	13mo	$287,000	$117	53
515 Twin VW Ct	0.31mi	3/2.5 (-1)	2,065 (-9%)	14mo	$257,000	$124	52
709 Turning Crest Ln	0.67mi	4/2.5	2,294 (+1%)	16mo	$256,500	$112	51
692 Turning Crest Ln	0.61mi	3/2.5 (-1)	2,000 (-12%)	1mo	$255,000	$128	44

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

Projected returns pro-forma

8.38% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.2%
• Equity multiple: 2.59×
• Total profit: $133,329
• Equity at exit: $235,719

10-year hold

• IRR: 19.5%
• Equity multiple: 5.59×
• Total profit: $385,187
• Equity at exit: $475,542

Cash invested: $84,000 (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 29829

• Home prices YoY: 3.0%
• Active inventory: 299
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,365 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$84 /mo · $1,005/yr
• Insurance: −$125
• HOA: −$47
• Vacancy / Maint / Mgmt: −$497
• Net cashflow: $40

Break-even live

Break-even rent $2,315

Max offer price $300,000

Occupancy floor 93%

Sensitivity live

Price	-10% $210	-5% $125	+0% $40	+5% $-45	+10% $-130
Rent	-10% $-147	-5% $-54	+0% $40	+5% $133	+10% $227
Rate	-1.0pp $191	-0.5pp $116	base $40	+0.5pp $-38	+1.0pp $-117

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4074 Thimbleberry Dr Graniteville, SC	3.0	2.5	1854	$1,900	$1.02	22d	1	0.05mi
4044 Thimbleberry Dr Graniteville, SC	3.0	2.5	1694	$1,925	$1.14	22d	1	0.07mi
6130 Mahogany Ter Graniteville, SC	4.0	2.0	1893	$2,250	$1.19	15d	1	0.22mi
507 Satinwood Cir Graniteville, SC	3.0–4.0	2.0–2.5	1776	$2,199	$1.24	15d	5	0.74mi
4060 Stone Pass Dr Graniteville, SC	4.0	2.0	1600	$1,925	$1.20	24d	1	0.79mi

HOA detail

• Monthly dues: $47 · $564/yr

Listing history 24 events

1. 2026-06-21
   days on market $300,000 Active 48 DOM
2. 2026-06-18
   days on market $300,000 Active 45 DOM
3. 2026-06-17
   days on market $300,000 Active 44 DOM
4. 2026-06-16
   days on market $300,000 Active 43 DOM
5. 2026-06-15
   days on market $300,000 Active 42 DOM
6. 2026-06-14
   days on market $300,000 Active 40 DOM
7. 2026-06-13
   days on market $300,000 Active 39 DOM
8. 2026-06-10
   days on market $300,000 Active 37 DOM
9. 2026-06-09
   days on market $300,000 Active 36 DOM
10. 2026-06-08
    days on market $300,000 Active 35 DOM
11. 2026-06-07
    days on market $300,000 Active 34 DOM
12. 2026-06-03
    days on market $300,000 Active 30 DOM
13. 2026-06-02
    days on market $300,000 Active 29 DOM
14. 2026-06-01
    days on market $300,000 Active 28 DOM
15. 2026-05-31
    days on market $300,000 Active 27 DOM
16. 2026-05-30
    days on market $300,000 Active 26 DOM
17. 2026-05-01
    listed $300,000 Active
18. 2021-12-07
    soldstatus $230,484 4-char remark

    Show marketing remark (975 chars)

    $2500 Buyer Incentive!!! "The BentCreek B "{ Lot 82} Features 5 Bedrooms 2 . 5 Bath This Brand New High Tech Smart Home/ Certified Green Home Built By Great Southern Homes. Energy Efficent , Open Floor Plan , Kitchen With Large Granite Island , Family Room, Formal Living, Dining, Master On Main Level, 2272 Sqft , Loft / Bonus Room! Smart System In Home, Convenient to l-20 minutes from Fort Gordon, Bridgestone Plant, Minutes From Shopping and Schools. Pictures of Like Home , Colors / Options may Vary. - This is an Energy Efficient Green SMART HOME which can be controlled right from your phone, voice command or from the Smart device. Control the lights, outlets, , doors, AC, Bedtime modes, Morning modes and soo much more!!!! You've never seen anything like this before! Your home is located in a quiet community that is quietly tucked away. Here is where Great Southern Homes is focused on delivering technologic Homes. USDA 100% Financing Options may Vary.

19. 2021-12-07
    soldstatus $230,484 975-char remark

    Show marketing remark (975 chars)

    $2500 Buyer Incentive!!! "The BentCreek B "{ Lot 82} Features 5 Bedrooms 2 . 5 Bath This Brand New High Tech Smart Home/ Certified Green Home Built By Great Southern Homes. Energy Efficent , Open Floor Plan , Kitchen With Large Granite Island , Family Room, Formal Living, Dining, Master On Main Level, 2272 Sqft , Loft / Bonus Room! Smart System In Home, Convenient to l-20 minutes from Fort Gordon, Bridgestone Plant, Minutes From Shopping and Schools. Pictures of Like Home , Colors / Options may Vary. - This is an Energy Efficient Green SMART HOME which can be controlled right from your phone, voice command or from the Smart device. Control the lights, outlets, , doors, AC, Bedtime modes, Morning modes and soo much more!!!! You've never seen anything like this before! Your home is located in a quiet community that is quietly tucked away. Here is where Great Southern Homes is focused on delivering technologic Homes. USDA 100% Financing Options may Vary.

20. 2021-12-07
    soldstatus $230,484

    Show marketing remark (975 chars)

    $2500 Buyer Incentive!!! "The BentCreek B "{ Lot 82} Features 5 Bedrooms 2 . 5 Bath This Brand New High Tech Smart Home/ Certified Green Home Built By Great Southern Homes. Energy Efficent , Open Floor Plan , Kitchen With Large Granite Island , Family Room, Formal Living, Dining, Master On Main Level, 2272 Sqft , Loft / Bonus Room! Smart System In Home, Convenient to l-20 minutes from Fort Gordon, Bridgestone Plant, Minutes From Shopping and Schools. Pictures of Like Home , Colors / Options may Vary. - This is an Energy Efficient Green SMART HOME which can be controlled right from your phone, voice command or from the Smart device. Control the lights, outlets, , doors, AC, Bedtime modes, Morning modes and soo much more!!!! You've never seen anything like this before! Your home is located in a quiet community that is quietly tucked away. Here is where Great Southern Homes is focused on delivering technologic Homes. USDA 100% Financing Options may Vary.

21. 2021-12-07
    listed $230,484 975-char remark

    Show marketing remark (975 chars)

    $2500 Buyer Incentive!!! "The BentCreek B "{ Lot 82} Features 5 Bedrooms 2 . 5 Bath This Brand New High Tech Smart Home/ Certified Green Home Built By Great Southern Homes. Energy Efficent , Open Floor Plan , Kitchen With Large Granite Island , Family Room, Formal Living, Dining, Master On Main Level, 2272 Sqft , Loft / Bonus Room! Smart System In Home, Convenient to l-20 minutes from Fort Gordon, Bridgestone Plant, Minutes From Shopping and Schools. Pictures of Like Home , Colors / Options may Vary. - This is an Energy Efficient Green SMART HOME which can be controlled right from your phone, voice command or from the Smart device. Control the lights, outlets, , doors, AC, Bedtime modes, Morning modes and soo much more!!!! You've never seen anything like this before! Your home is located in a quiet community that is quietly tucked away. Here is where Great Southern Homes is focused on delivering technologic Homes. USDA 100% Financing Options may Vary.

22. 2021-12-07
    listed $230,484

    Show marketing remark (975 chars)

    $2500 Buyer Incentive!!! "The BentCreek B "{ Lot 82} Features 5 Bedrooms 2 . 5 Bath This Brand New High Tech Smart Home/ Certified Green Home Built By Great Southern Homes. Energy Efficent , Open Floor Plan , Kitchen With Large Granite Island , Family Room, Formal Living, Dining, Master On Main Level, 2272 Sqft , Loft / Bonus Room! Smart System In Home, Convenient to l-20 minutes from Fort Gordon, Bridgestone Plant, Minutes From Shopping and Schools. Pictures of Like Home , Colors / Options may Vary. - This is an Energy Efficient Green SMART HOME which can be controlled right from your phone, voice command or from the Smart device. Control the lights, outlets, , doors, AC, Bedtime modes, Morning modes and soo much more!!!! You've never seen anything like this before! Your home is located in a quiet community that is quietly tucked away. Here is where Great Southern Homes is focused on delivering technologic Homes. USDA 100% Financing Options may Vary.

23. 2021-11-07
    listed $230,484 4-char remark

    Show marketing remark (4 chars)

    COMP

24. 2021-04-14
    soldstatus $369,000

ⓘ 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: $1,005 · $84/mo
• Projected year-2 tax: $1,710 · $142/mo
• Expected delta: +$705/yr (+$59/mo · 70.1%)

ⓘ 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 66% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,385
• − Mortgage interest: −$16,805
• − Property taxes: −$1,005
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,271
• − Management: −$2,271
• − HOA: −$564
• − Depreciation: −$8,727
• Taxable loss: −$4,758
• Est. tax savings @ 24.0%: +$1,142
• After-tax cash flow: $1,618/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: Aiken 01
• NCES district ID: 4500720
• Math proficiency: 31% ▼ -11.00%
• Reading proficiency: 44% ▼ -1.00%
• Median HH income: $45,081
• Composite: 31.91/100
• National rank: #5857
• State rank: #36 of 80 in SC

Livability — Graniteville

• Score: 59/100
• State rank: #240
• US rank: #19924

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Aiken County · 116,534 people
• City population: 12,385
• Metro: Augusta-Richmond County, GA-SC
• Population (ZIP): 12,385
• Household income: $84,228
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 213.0

Population outlook (Aiken County) Hauer SSP2

• Today (2025): 178,003 people
• By 2030: 182,876 · +2.7%
• By 2040: 189,970 · +6.7%
• By 2050: 193,840 · +8.9%
• By 2075: 199,453 · +12.1%
• By 2100: 192,403 · +8.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 59% Black 26% Hispanic / Latino 12% Two or more races 9% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 1%
• Common ancestry: Italian 2% Swedish 2% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 10% Other Indo-European 1%

Political lean MEDSL · Aiken

• 2024 margin: Strong R (+25.9) · D 36.4% · R 62.2% · Other 1.4%
• 2008→2024 swing: -1.9pp toward R · 2008: -24.0pp · 2024: -25.9pp
• All cycles: 2024: R+25.9 2020: R+22.7 2016: R+27.5 2012: R+26.0 2008: R+24.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.38%
• Current HPI: 286.4155
• Rent YoY: —
• Metro: Augusta-Richmond County, GA-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

-18.7% since first listed

8 events — show timeline

• 2026-05-01 Listed $300,000 AMLS
• 2021-12-07 Listed $230,484 Hive MLS
• 2021-12-07 Listed $230,484 Hive MLS
• 2021-12-07 Sold (MLS) $230,484 Hive MLS
• 2021-12-07 Sold (MLS) $230,484 Hive MLS
• 2021-12-07 Sold (MLS) $230,484 AMLS
• 2021-11-07 Listed $230,484 AMLS
• 2021-04-14 Sold (Public Records) $369,000 Public Records

Property tax history

-32.6%/yr

Latest (2025): $1,005 · +0.0% YoY. Source: county tax records.