3061 Harborview Dr · Columbia, SC 29229

$200,000

3 bd · 2.5 ba · 1,250 sqft · Townhouse · 17 Days on market

Built 2026 Good condition 1,742 sqft lot $160/sqft · at area comps Est $205k · at est. $118/mo HOA · 6% 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).

• Cash flow +14.2/30.0
• ARV discount +8.6/15.0
• Schools +5.5/10.0
• 1% rule +4.7/10.0
• DSCR +4.3/10.0
• Condition / age +4.0/5.0
• Livability +3.9/5.0
• Rent growth +3.2/5.0
• Appreciation +0.0/10.0

Listing remarks

This thoughtfully designed Laurens A townhome offers a highly functional layout featuring three bedrooms and two-and-a-half bathrooms, perfectly blending comfort, style, and convenience. The main level showcases an inviting open-concept design with a spacious great room, a bright eat-in dining area, and a beautifully appointed kitchen. The kitchen features stylish Quill cabinetry, elegant Miami Vena quartz countertops, a tile backsplash, stainless steel appliances, and a generous pantry for ample storage. Soft beige luxury vinyl plank flooring runs throughout the first floor, offering both warmth and durability, while plush Ecru carpeting provides comfort in all upstairs bedrooms.

Key facts

• Open-concept design
• Generous pantry
• Quill cabinetry

Tags

• OPEN-CONCEPT DESIGN
• QUILL CABINETRY
• MIAMI VENA QUARTZ COUNTERTOPS
• TILE BACKSPLASH
• STAINLESS STEEL APPLIANCES
• GENEROUS PANTRY

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $200k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $33 ($394/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 $194k (3.0% below list).
• Recommended offer: $194k (3.0% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 5.1% 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 02 (suburban): math 35% / reading 47% proficiency, ranked #29 of 80 in SC (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pontiac Elementary (math 39% / reading 35%, grade F, #315 of 597 statewide, top 55%, 724 students, 68% FRL); Spring Valley High (math 53% / reading 92%, grade B+, #46 of 196 statewide, top 24%, 2,187 students, 49% FRL) — zoned schools average 58% FRL vs 38% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 55% at this address vs 41% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Richland 02 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+2.8%/yr); 722 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals leasing fast (median 8d on market — plan ~1-2 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
• This rent runs 31% of the median local income ($74k/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 $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 17 days — a 2% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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: major wind risk, 69% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $194,053 (3.0% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.97% ✗
• Cap rate: 6.49%
• Cash-on-cash: 0.70%
• DSCR: 1.03
• GRM: 8.6

CMA / ARV

• ARV (median comp): $205,197
• List price: $200,000
• Delta: -2.53%
• Verdict: FAIR
• Comps: 1 within 2.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2045 Armada Rd	0.73mi	3/2.5	1,362 (+9%)	4mo	$205,197	$151	47
2055 Armada Rd	0.71mi	3/2.5	1,362 (+9%)	8mo	$202,499	$149	45
364 E Arrowleaf Ln Unit L	0.97mi	3/2.0	1,218 (-3%)	36mo	$341,300	$280	39
1415 Ardennes Dr	0.58mi	2/2.0 (-1)	1,342 (+7%)	37mo	$227,500	$170	34
441 Layup Cir	2.21mi	3/2.0	1,620 (+30%)	9mo	$329,900	$204	30
1276 Independence Dr	0.59mi	3/2.5	1,578 (+26%)	36mo	$252,000	$160	27
1017 Ashcroft Cir Unit SC29229	0.73mi	4/1.0 (+1)	1,160 (-7%)	30mo	$235,000	$203	23
1058 Ashcroft Cir	0.86mi	3/2.5	1,613 (+29%)	42mo	$282,363	$175	20

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 · 2.81% rent growth · sell at horizon

5-year hold

• IRR: -15.3%
• Equity multiple: 0.45×
• Total profit: $-30,584
• Equity at exit: $29,821

10-year hold

• IRR: -7.1%
• Equity multiple: 0.55×
• Total profit: $-25,037
• Equity at exit: $17,292

Cash invested: $56,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 18 active · 55 under contract
• Months of supply: 108.0 mo (1%/mo absorbed)
• Median asking: $205,000 ($148/sqft)
• Median days on market: 53 d
• This list price: 22% of active listings are priced below it
• ARV vs active asking: +10.7% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 29229

• Home prices YoY: -21.5%
• Rents YoY: 2.8%
• Active inventory: 722
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,941 high
• Mortgage (P&I): −$1,049
• Tax est. 1.5%: −$250 /mo · $3,000/yr
• Insurance: −$83
• HOA: −$118
• Vacancy / Maint / Mgmt: −$408
• Net cashflow: $33

Break-even live

Break-even rent $1,899

Max offer price $200,000

Occupancy floor 93%

Sensitivity live

Price	-10% $171	-5% $102	+0% $33	+5% $-36	+10% $-105
Rent	-10% $-120	-5% $-44	+0% $33	+5% $110	+10% $186
Rate	-1.0pp $134	-0.5pp $84	base $33	+0.5pp $-19	+1.0pp $-72

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: $50,000
• Closing costs: $6,000
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3068 Harborview Dr Columbia, SC	3.0	2.5	1250	$1,799	$1.44	51d	1	0.03mi
3082 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,799	$1.40	2d	1	0.05mi
3084 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,799	$1.40	2d	1	0.05mi
3086 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,799	$1.40	2d	1	0.05mi
3088 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,799	$1.40	2d	1	0.06mi
3090 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,799	$1.40	2d	1	0.06mi
1037 Astoria DR Columbia, SC	3.0	2.5	1363	$1,900	$1.39	144d	1	0.06mi
3022 Harborview Dr Columbia, SC	3.0	2.5	1288	$2,000	$1.55	46d	1	0.07mi
3022 Harborview Dr Columbia, SC	3.0	2.5	1288	$1,845	$1.43	2d	1	0.07mi
1052 Astoria Dr Columbia, SC	3.0	2.5	1250	$1,925	$1.54	108d	1	0.15mi
1032 Cornelia St Elgin, SC	3.0	2.5	1432	$2,000	$1.40	50d	1	0.38mi
1054 Cornelia St Elgin, SC	3.0	2.0	1432	$1,800	$1.26	17d	1	0.40mi
1054 Cornelia St Elgin, SC	3.0	2.0	1432	$1,800	$1.26	16d	1	0.40mi
1054 Cornelia St Elgin, SC	3.0	2.0	1432	$1,800	$1.26	7d	1	0.40mi
1068 Cornelia St Elgin, SC	3.0	2.5	1446	$1,875	$1.30	38d	1	0.43mi
1074 Cornelia St Elgin, SC	3.0	2.5	1432	$1,945	$1.36	133d	1	0.44mi
15 Attucks Ct Elgin, SC	3.0	2.0	1616	$1,899	$1.18	108d	1	0.48mi
1425 Ardennes Dr Elgin, SC	3.0	3.0	1614	$2,100	$1.30	7d	1	0.57mi
1102 Semoran Way Columbia, SC	3.0	2.5	1461	$2,094	$1.43	1d	8	0.86mi
4415 Percival Rd Columbia, SC	1.0–3.0	1.0–2.0	1112	$2,242	$2.02	0d	20	0.93mi
325 Spears Creek Church Rd Elgin, SC	1.0–3.0	1.0–2.0	1215	$1,775	$1.46	0d	5	1.27mi
220 N Donar Dr Columbia, SC	3.0	2.5	1782	$1,895	$1.06	0d	1	1.30mi
220 N Donar Dr Columbia, SC	3.0	2.5	1782	$1,895	$1.06	1d	1	1.30mi
840 Sparkleberry Ln Columbia, SC	1.0–3.0	1.0–2.0	1118	$1,939	$1.73	0d	14	1.46mi

Property features AI

Finance

• Other: New-construction builder warranty
• HOA & community: Association communityCommunity poolPlaygroundSidewalks and green areasAssociation covers common area, exterior, and front yard maintenance, sidewalk maintenance, and street lights

Exterior

• Utilities: Public waterPublic sewerThermopane windows
• Home design: Two storiesEast-facing
• Construction: Vinyl exteriorSlab foundation
• Exterior features: PatioUncovered back porchSprinkler systemFull guttersFull wood privacy fence

Interior

• Kitchen: Eat-in kitchenPantryStained wood cabinetsQuartz countertopsRecessed lightingDishwasherDisposalMicrowave above stoveSelf-cleaning smooth-surface range
• Bedrooms: 3 bedrooms, all on the second floor
• Flooring: Carpet and luxury vinyl plank in the bedroomsLuxury vinyl plank in the kitchen and great room
• Bathrooms: 2 full bathrooms1 half bathroomPrimary bedroom with private bath, double vanity, and tub/showerShared bath for bedrooms 2 and 3
• Heating & cooling: Central coolingElectric zoned heatingHeat pumps on both levelsSplit system
• Interior features: Ceiling fanSmoke detectorPull-down attic access
• Laundry & utility: Utility room on the main floorElectric water heater

Listing history 50 events

1. 2026-11-08
   days on market $200,000 Active 17 DOM
2. 2026-11-07
   days on market $200,000 Active 16 DOM
3. 2026-11-06
   days on market $200,000 Active 15 DOM
4. 2026-11-05
   days on market $200,000 Active 14 DOM
5. 2026-11-04
   days on market $200,000 Active 13 DOM
6. 2026-11-02
   days on market $200,000 Active 11 DOM
7. 2026-11-01
   days on market $200,000 Active 10 DOM
8. 2026-10-31
   days on market $200,000 Active 9 DOM
9. 2026-10-30
   days on market $200,000 Active 8 DOM
10. 2026-10-29
    days on market $200,000 Active 7 DOM
11. 2026-10-28
    days on market $200,000 Active 6 DOM
12. 2026-10-27
    days on market $200,000 Active 5 DOM
13. 2026-10-26
    days on market $200,000 Active 4 DOM
14. 2026-10-25
    days on market $200,000 Active 3 DOM
15. 2026-10-24
    days on market $200,000 Active 2 DOM
16. 2026-10-23
    pricestatusdays on marketlisting id $200,000 Active 1 DOM
17. 2026-08-15
    statusdays on market $199,000 Pending 95 DOM
18. 2026-08-14
    days on market $199,000 Active 94 DOM
19. 2026-08-13
    days on market $199,000 Active 93 DOM
20. 2026-08-12
    days on market $199,000 Active 92 DOM
21. 2026-08-11
    days on market $199,000 Active 91 DOM
22. 2026-08-10
    days on market $199,000 Active 90 DOM
23. 2026-08-09
    days on market $199,000 Active 89 DOM
24. 2026-08-08
    days on market $199,000 Active 88 DOM
25. 2026-08-07
    days on market $199,000 Active 87 DOM
26. 2026-08-06
    days on market $199,000 Active 86 DOM
27. 2026-08-05
    days on market $199,000 Active 85 DOM
28. 2026-08-04
    days on market $199,000 Active 84 DOM
29. 2026-08-03
    days on market $199,000 Active 83 DOM
30. 2026-07-31
    days on market $199,000 Active 80 DOM
31. 2026-07-30
    days on market $199,000 Active 79 DOM
32. 2026-07-30
    days on market $199,000 Active 78 DOM
33. 2026-07-28
    days on market $199,000 Active 77 DOM
34. 2026-07-26
    days on market $199,000 Active 75 DOM
35. 2026-07-25
    days on market $199,000 Active 74 DOM
36. 2026-07-24
    days on market $199,000 Active 73 DOM
37. 2026-07-23
    days on market $199,000 Active 72 DOM
38. 2026-07-22
    days on market $199,000 Active 71 DOM
39. 2026-07-21
    days on market $199,000 Active 70 DOM
40. 2026-07-18
    days on market $199,000 Active 67 DOM
41. 2026-07-16
    days on market $199,000 Active 65 DOM
42. 2026-07-16
    days on market $199,000 Active 64 DOM
43. 2026-07-14
    days on market $199,000 Active 63 DOM
44. 2026-07-13
    days on market $199,000 Active 62 DOM
45. 2026-07-12
    days on market $199,000 Active 61 DOM
46. 2026-07-11
    days on market $199,000 Active 60 DOM
47. 2026-07-10
    days on market $199,000 Active 59 DOM
48. 2026-07-09
    days on market $199,000 Active 58 DOM
49. 2026-07-07
    days on market $199,000 Active 56 DOM
50. 2026-07-06
    days on market $199,000 Active 55 DOM

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 69% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,286
• − Mortgage interest: −$11,203
• − Property taxes: −$3,000
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,863
• − Management: −$1,863
• − HOA: −$1,416
• − Depreciation: −$5,818
• Taxable loss: −$2,877
• Est. tax savings @ 24.0%: +$690
• After-tax cash flow: $1,085/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.

Condition & rehab AI · 11 photos

Good 80/100 None rehab

This thoughtfully designed Laurens A townhome offers a highly functional layout with good condition and minimal maintenance needs, making it a great investment opportunity.

Value-add opportunities

• Resale Paint exterior trim — Enhances curb appeal ↑
• Rental Replace ceiling fans — Improves comfort and energy efficiency ↑

D Composite school gradezoned avg 55/100

Zoned Schools

Elementary Pontiac Elementary F SC #315/597 Nat'l #21,438/41,679 High Spring Valley High B+ SC #46/196 Nat'l #1,843/17,239

Schools (NCES district)

• District: Richland 02
• NCES district ID: 4503390
• Math proficiency: 35% ▼ -15.00%
• Reading proficiency: 47% ▼ -5.00%
• Median HH income: $59,684
• Composite: 36.2/100
• National rank: #4730
• State rank: #29 of 80 in SC

B Composite livability gradescore 78/100

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

• Census place: Columbia, SC
• County: Richland County · 459,667 people
• City population: 335,994
• Metro: Columbia, SC
• Population (ZIP): 51,861
• Household income: $74,043
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 25% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 62% White 24% Hispanic / Latino 8% Two or more races 6% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% Korean 1%

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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: ▼ -51.11%
• Current HPI: 186.782
• Rent YoY: ▲ 2.81%
• Metro: Columbia, SC
• State GDP YoY: ▲ 4.51%
• F500 in state: 2

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Industry mix (Fortune 500 HQ in SC)

Industry	F500 HQs	Revenue
▸Packaging	1	$7B

Property features AI

Finance

• Other: New-construction builder warranty
• HOA & community: Association communityCommunity poolPlaygroundSidewalks and green areasAssociation covers common area, exterior, and front yard maintenance, sidewalk maintenance, and street lights

Exterior

• Utilities: Public waterPublic sewerThermopane windows
• Home design: Two storiesEast-facing
• Construction: Vinyl exteriorSlab foundation
• Exterior features: PatioUncovered back porchSprinkler systemFull guttersFull wood privacy fence

Interior

• Kitchen: Eat-in kitchenPantryStained wood cabinetsQuartz countertopsRecessed lightingDishwasherDisposalMicrowave above stoveSelf-cleaning smooth-surface range
• Bedrooms: 3 bedrooms, all on the second floor
• Flooring: Carpet and luxury vinyl plank in the bedroomsLuxury vinyl plank in the kitchen and great room
• Bathrooms: 2 full bathrooms1 half bathroomPrimary bedroom with private bath, double vanity, and tub/showerShared bath for bedrooms 2 and 3
• Heating & cooling: Central coolingElectric zoned heatingHeat pumps on both levelsSplit system
• Interior features: Ceiling fanSmoke detectorPull-down attic access
• Laundry & utility: Utility room on the main floorElectric water heater

Price history

-0.8% since first listed

5 events — show timeline

• 2026-10-22 Listed $200,000 Consolidated MLS
• 2026-06-11 Price Changed $199,000 Consolidated MLS
• 2026-06-04 Price Changed $200,000 Consolidated MLS
• 2026-05-28 Price Changed $201,000 Consolidated MLS
• 2026-05-12 Listed $201,537 Consolidated MLS