1328 Baffin Bay Rd · Seven Oaks, SC 29212

$205,000

3 bd · 1.0 ba · 1,437 sqft · SingleFamily public records · 9 Days on market

Built 1970 8,494 sqft lot

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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 +13.6/30.0
• ARV discount +7.5/15.0
• Schools +4.5/10.0
• DSCR +4.1/10.0
• Livability +3.5/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Don't miss 1328 Baffin Bay Rd, a recently updated residence featuring new flooring throughout the home and fresh interior paint. The kitchen features new stainless steel appliances and an accent backsplash. The primary bedroom contains a walk in closet, and the primary bathroom includes double sinks. The exterior includes a fenced in backyard with a storage shed. This move-in ready home blends updates with practical comforts. . Included 100-Day Home Warranty with buyer activation Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Key facts

• Double sinks
• New flooring
• Walk in closet

Tags

• NEW FLOORING
• FRESH INTERIOR PAINT
• NEW STAINLESS STEEL APPLIANCES
• ACCENT BACKSPLASH
• WALK IN CLOSET
• DOUBLE SINKS

Property features AI

Exterior

• Parking: Attached carport (1 covered space)
• Utilities: Public sewer; Public water
• Home design: Single-story home
• Construction: Crawlspace foundation
• Exterior features: Partial brick exterior; Other exterior finish; Paved road access; Public water

Interior

• Bedrooms: Master bedroom on the main level
• Bathrooms: Two full bathrooms
• Heating & cooling: Central cooling; Gas heating (main level)
• Interior features: Central air conditioning; Gas heating on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $9 ($114/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 $154k (25.0% below list).
• Recommended offer: $154k (25.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#65 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: crime C-, amenities F, commute F.
• Lexington 05 (suburban): math 47% / reading 55% proficiency, ranked #5 of 80 in SC (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Leaphart Elementary (math 31% / reading 30%, grade F, #389 of 597 statewide, top 66%, 492 students, 100% FRL); Dutch Fork High (math 54% / reading 86%, grade B+, #58 of 196 statewide, top 30%, 1,726 students, 52% FRL) — zoned schools average 76% FRL vs 27% district-wide (49 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.2%/yr); 206 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,712 units permitted in Lexington County in 2024 (0 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.
• Lexington County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 63% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $153,832 (25.0% below list)

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
5. 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.
6. 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.
7. 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: 0.75% ✗
• Cap rate: 6.35%
• Cash-on-cash: 0.20%
• DSCR: 1.01
• GRM: 11.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -19.0%
• Equity multiple: 0.35×
• Total profit: $-37,230
• Equity at exit: $30,566

10-year hold

• IRR: -17.9%
• Equity multiple: 0.14×
• Total profit: $-49,498
• Equity at exit: $17,725

Cash invested: $57,400 (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 29212

• Rents YoY: -0.2%
• Active inventory: 206
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,538 high
• Mortgage (P&I): −$1,075
• Tax from tax record: −$45 /mo · $544/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $9

Break-even live

Break-even rent $1,526

Max offer price $205,000

Occupancy floor 94%

Sensitivity live

Price	-10% $126	-5% $67	+0% $9	+5% $-49	+10% $-107
Rent	-10% $-112	-5% $-51	+0% $9	+5% $70	+10% $131
Rate	-1.0pp $113	-0.5pp $62	base $9	+0.5pp $-44	+1.0pp $-98

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
408 Foxfire Dr Columbia, SC	1.0–3.0	1.0–2.0	1016	$1,225	$1.21	4d	7	0.23mi
105 Manorwood Ct Columbia, SC	2.0	1.5	1000	$1,150	$1.15	24d	1	0.43mi
448 Pitney Rd Columbia, SC	3.0	2.0	1505	$1,806	$1.20	24d	1	0.47mi
121 Manorwood Ct Unit C Columbia, SC	2.0	1.5	1120	$1,095	$0.98	24d	1	0.47mi
264 Piney Grove Rd Columbia, SC	2.0	1.0	1100	$1,250	$1.14	24d	1	0.54mi
100 Fairforest Rd Columbia, SC	2.0	1.5	1150	$1,224	$1.06	4d	3	0.67mi
500 Harbison Blvd Columbia, SC	2.0–3.0	2.0–3.0	1152	$1,849	$1.61	3d	11	0.88mi
171 Winding Chestnut Dr Columbia, SC	3.0	2.5	1335	$1,975	$1.48	24d	1	0.96mi
113 Paces Brook Ave Columbia, SC	1.0–3.0	1.0–2.0	929	$1,770	$1.91	12d	12	1.14mi
846 Piney Grove Rd Columbia, SC	3.0	2.5	1400	$1,495	$1.07	24d	1	1.14mi
51 Heritage Village Ln Unit 1 Columbia, SC	2.0	2.0	1150	$1,400	$1.22	24d	1	1.17mi
13 Crossbow Pl Columbia, SC	2.0	2.5	1250	$1,650	$1.32	15d	1	1.19mi
14 Heritage Village Ln Columbia, SC	2.0	2.0	1100	$2,150	$1.95	24d	1	1.23mi
100 Walden Heights Dr Irmo, SC	1.0–3.0	1.0–2.0	1030	$1,880	$1.83	4d	23	1.25mi
6 Forestgrove Ct Columbia, SC	3.0	2.0	1066	$1,599	$1.50	22d	1	1.26mi
401 Columbiana Dr Columbia, SC	2.0–4.0	1.5–2.0	1207	$1,216	$1.01	4d	1	1.33mi
356 Lake Murray Blvd Irmo, SC	1.0–3.0	1.0–2.0	1020	$2,537	$2.49	4d	23	1.38mi
217 Wynn Way Unit B Columbia, SC	2.0	1.5	1160	$1,095	$0.94	19d	1	1.39mi

Listing history 8 events

1. 2026-06-18
   days on market $205,000 Active 9 DOM
2. 2026-06-17
   days on market $205,000 Active 8 DOM
3. 2026-06-16
   days on market $205,000 Active 7 DOM
4. 2026-06-15
   days on market $205,000 Active 6 DOM
5. 2026-06-14
   days on market $205,000 Active 4 DOM
6. 2026-06-13
   days on market $205,000 Active 3 DOM
7. 2026-06-10
   remarks 588-char remark
8. 2026-06-10
   listed $205,000 Active 1 DOM

ⓘ 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: $544 · $45/mo
• Projected year-2 tax: $1,168 · $97/mo
• Expected delta: +$624/yr (+$52/mo · 114.7%)

ⓘ 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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 63% 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: $18,460
• − Mortgage interest: −$11,483
• − Property taxes: −$544
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,477
• − Management: −$1,477
• − Depreciation: −$5,964
• Taxable loss: −$3,510
• Est. tax savings @ 24.0%: +$842
• After-tax cash flow: $956/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: Lexington 05
• NCES district ID: 4502820
• Math proficiency: 47% ▼ -7.00%
• Reading proficiency: 55% ▼ -4.00%
• Median HH income: $67,732
• Composite: 45.28/100
• National rank: #2656
• State rank: #5 of 80 in SC

Livability — Seven Oaks

• Score: 70/100
• State rank: #65
• US rank: #7742

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Seven Oaks, SC
• County: Lexington County · 232,571 people
• Metro: Columbia, SC
• Population (ZIP): 27,657
• Household income: $77,142
• Rent vs Own: 32.1% rent · 67.9% own
• Severe rent burden: 863.0

Population outlook (Lexington County) Hauer SSP2

• Today (2025): 322,999 people
• By 2030: 342,356 · +6.0%
• By 2040: 377,715 · +16.9%
• By 2050: 406,984 · +26.0%
• By 2075: 465,447 · +44.1%
• By 2100: 485,674 · +50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (63%)
• Race & ethnicity: White 63% Black 25% Hispanic / Latino 5% Two or more races 4% Asian 3%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Slovak 3% Italian 3% Serbian 3%
• Foreign-born: 7% · Canada, China, Jamaica
• Languages at home: 91% English-only · Spanish 4% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Lexington

• 2024 margin: Solid R (+33.5) · D 32.5% · R 66.0% · Other 1.4%
• 2008→2024 swing: +4.6pp toward D · 2008: -38.0pp · 2024: -33.5pp
• All cycles: 2024: R+33.5 2020: R+30.1 2016: R+36.7 2012: R+37.8 2008: R+38.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -139.55%
• Current HPI: 212.5173
• Rent YoY: ▼ -0.23%
• 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

+406.4% since first listed

6 events — show timeline

• 2026-06-09 Listed $205,000 Consolidated MLS
• 2026-04-27 Sold (Public Records) $205,000 Public Records
• 2017-02-27 Sold (Public Records) $86,000 Public Records
• 2015-09-14 Sold (Public Records) $62,500 Public Records
• 1989-09-01 Sold (Public Records) $19,098 Public Records
• 1981-10-01 Sold (Public Records) $40,478 Public Records

Property tax history

-13.6%/yr

Latest (2024): $544 · +0.4% YoY. Source: county tax records.