4112 Thimbleberry Dr · Graniteville, SC
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 6/10 · Moderate
- Est. fire insurance / yr
- $783 – $1,453
Heat risk 7/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 66.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ 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 +16.1/30.0
- ARV discount +13.2/15.0
- Appreciation +9.2/10.0
- DSCR +5.0/10.0
- Condition / age +4.0/5.0
- Schools +3.8/10.0
- 1% rule +3.5/10.0
- Livability +3.0/5.0
- Rent growth +2.5/5.0
$257,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
* * Improved Price * * Welcome to 4112 Thimbleberry Drive in the desirable Sage Creek community! This beautifully maintained 3-bedroom, 2.5-bath home, built in 2021, provides 1792 sqft of modern living space designed for comfort and convenience which is ideal for both everyday living and entertaining. The open-concept main level features a spacious family room, dining area and a stylish open kitchen with granite countertops, stainless steel appliances, ample cabinetry, and a large island overlooking the living and dining areas.
Key facts
- Walk-in closet
- Large island
- Granite countertops
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath single-family listed at $257k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $133 ($2k/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 $219k (14.6% below list).
- Recommended offer: $219k (14.6% 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: 371 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).
- This rent runs 31% 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 $23k of equity ($2k loan paydown + $22k 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 $72k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 64 days — a 6% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
- 9 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.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 66% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 64 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.85% ✗
- Cap rate
- 6.92%
- Cash-on-cash
- 2.22%
- DSCR
- 1.10
- GRM
- 9.8
CMA / ARV
- ARV (median comp)
- $293,971
- List price
- $257,000
- Delta
- -12.58%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 4164 Thimbleberry Dr | 0.10mi | 3/2.5 | 1,792 (0%) | 2mo | $269,900 | $151 | 94 |
| 150 Almond Dr | 0.17mi | 3/2.0 | 1,656 (-8%) | 2mo | $257,000 | $155 | 75 |
| 4109 Thimbleberry Dr | 0.03mi | 4/2.5 (+1) | 1,929 (+8%) | 10mo | $265,000 | $137 | 72 |
| 207 Almond Dr | 0.22mi | 3/2.0 | 1,662 (-7%) | 5mo | $250,000 | $150 | 72 |
| 159 Almond Dr | 0.20mi | 4/2.0 (+1) | 1,872 (+4%) | 6mo | $270,000 | $144 | 71 |
| 8096 Cozy Knl | 0.14mi | 3/2.0 | 1,532 (-14%) | 5mo | $251,500 | $164 | 63 |
| 677 Turning Crest Ln | 0.60mi | 3/2.5 | 1,920 (+7%) | 3mo | $267,400 | $139 | 58 |
| 8003 Red Rock Way | 0.40mi | 4/2.0 (+1) | 1,966 (+10%) | 2mo | $285,000 | $145 | 56 |
| 2007 Fern Crest Ln | 0.64mi | 3/2.0 | 1,662 (-7%) | 1mo | $247,100 | $149 | 55 |
| 727 Turning Crest Ln | 0.65mi | 3/2.0 | 1,665 (-7%) | 5mo | $250,000 | $150 | 52 |
| 692 Turning Crest Ln | 0.58mi | 3/2.5 | 2,000 (+12%) | 3mo | $255,000 | $128 | 51 |
| 4114 Stone Pass Dr | 0.73mi | 3/2.0 | 1,561 (-13%) | 8mo | $245,999 | $158 | 36 |
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
- IRR
- 22.5%
- Equity multiple
- 2.68×
- Total profit
- $120,563
- Equity at exit
- $201,932
- IRR
- 20.5%
- Equity multiple
- 5.78×
- Total profit
- $343,735
- Equity at exit
- $407,381
Cash invested: $71,960 (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
Active competition Active MLS
- For sale now
- 6 active · 9 under contract
- Months of supply
- 2.2 mo (44%/mo absorbed)
- Median asking
- $279,000 ($146/sqft)
- Median days on market
- 46 d
- This list price
- 17% of active listings are priced below it
- ARV vs active asking
- +12.3% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 29829
- Home prices YoY
- 3.0%
- Active inventory
- 371
- Price-to-rent
- 9.8×
Monthly cashflow live
- Estimated rent
- $2,194 high interval (Pro) →
- Mortgage (P&I)
- −$1,348
- Tax from tax record
- −$91 /mo · $1,096/yr
- Insurance
- −$107
- HOA
- −$54
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$461
- Net cashflow
- $133
Break-even live
Sensitivity live
| Price | -10% $279 | -5% $206 | +0% $133 | +5% $61 | +10% $-12 |
|---|---|---|---|---|---|
| Rent | -10% $-40 | -5% $47 | +0% $133 | +5% $220 | +10% $307 |
| Rate | -1.0pp $263 | -0.5pp $199 | base $133 | +0.5pp $67 | +1.0pp $-1 |
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
- $64,250
- Closing costs
- $7,710
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 6 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4074 Thimbleberry Dr Graniteville, SC | 3.0 | 2.5 | 1854 | $1,900 | $1.02 | 70d | 1 | 0.08mi |
| 4044 Thimbleberry Dr Graniteville, SC | 3.0 | 2.5 | 1694 | $1,925 | $1.14 | 70d | 1 | 0.13mi |
| 6130 Mahogany Ter Graniteville, SC | 4.0 | 2.0 | 1893 | $2,250 | $1.19 | 63d | 1 | 0.26mi |
| 507 Satinwood Cir Graniteville, SC | 3.0–4.0 | 2.0–2.5 | 1776 | $1,989 | $1.12 | 63d | 5 | 0.69mi |
| 934 Quaint Parish Cir Graniteville, SC | 3.0 | 2.5 | 1435 | $1,800 | $1.25 | 72d | 1 | 0.78mi |
| 4060 Stone Pass Dr Graniteville, SC | 4.0 | 2.0 | 1600 | $1,925 | $1.20 | 72d | 1 | 0.78mi |
Property features AI
Finance
- Other
- Directions for GPS: 4112 Thimbleberry Dr, Graniteville, SC 29829
- HOA & community
- Homeowners association presentAssociation fees cover common area maintenance
Exterior
- Parking
- Attached 2-car garage (main level)
- Utilities
- Public waterPublic sewer
- Home design
- Two-story home
- Construction
- Slab foundation
- Exterior features
- Vinyl exterior finishWood rear-only fencePaved road frontageProperty occupies 1 acre
Interior
- Kitchen
- IslandGranite countertopsTiled backsplashRecessed lightingBuilt-in microwaveDishwasherBuilt-in self‑cleaning range
- Bedrooms
- Master suite upstairs with double vanity, garden tub, separate shower, his-and-hers closets, box ceilings and ceiling fanTwo additional upstairs bedrooms with ceiling fans, private closets and shared bath
- Flooring
- Luxury vinyl plank in main living areasCarpet in bedrooms
- Bathrooms
- Two full bathroomsOne half bathroomSecond full baths associated with upstairs bedrooms (totaling two full baths upstairs)
- Heating & cooling
- Central heatingCentral air conditioning
- Interior features
- Ceiling fans in living room and bedroomsRecessed lighting throughout main living and dining areasLuxury vinyl plank flooring in living, dining and kitchen areasCarpeted bedroomsBuilt-in microwaveDishwasherBuilt-in self‑cleaning range
- Laundry & utility
- Laundry/utility room located on the second floor
Listing history 50 events
-
2026-08-08days on market $257,000 Active 64 DOM
-
2026-08-07days on market $257,000 Active 63 DOM
-
2026-08-06days on market $257,000 Active 62 DOM
-
2026-08-05days on market $257,000 Active 61 DOM
-
2026-08-04days on market $257,000 Active 60 DOM
-
2026-08-03days on market $257,000 Active 59 DOM
-
2026-07-31days on market $257,000 Active 56 DOM
-
2026-07-29days on market $257,000 Active 54 DOM
-
2026-07-27days on market $257,000 Active 52 DOM
-
2026-07-25days on market $257,000 Active 50 DOM
-
2026-07-24days on market $257,000 Active 49 DOM
-
2026-07-23days on market $257,000 Active 48 DOM
-
2026-07-22days on market $257,000 Active 47 DOM
-
2026-07-21days on market $257,000 Active 46 DOM
-
2026-07-18days on market $257,000 Active 43 DOM
-
2026-07-16days on market $257,000 Active 41 DOM
-
2026-07-16days on market $257,000 Active 40 DOM
-
2026-07-14days on market $257,000 Active 39 DOM
-
2026-07-14days on market $257,000 Active 38 DOM
-
2026-07-12days on market $257,000 Active 37 DOM
-
2026-07-11days on market $257,000 Active 36 DOM
-
2026-07-10days on market $257,000 Active 35 DOM
-
2026-07-09days on market $257,000 Active 34 DOM
-
2026-07-08days on market $257,000 Active 33 DOM
-
2026-07-07price $257,000 Active 32 DOM
-
2026-07-07days on market $260,000 Active 32 DOM
-
2026-07-06days on market $260,000 Active 31 DOM
-
2026-07-05days on market $260,000 Active 30 DOM
-
2026-07-04days on market $260,000 Active 29 DOM
-
2026-07-03days on market $260,000 Active 28 DOM
-
2026-07-02days on market $260,000 Active 27 DOM
-
2026-07-01days on market $260,000 Active 26 DOM
-
2026-06-30days on market $260,000 Active 25 DOM
-
2026-06-29days on market $260,000 Active 24 DOM
-
2026-06-28days on market $260,000 Active 23 DOM
-
2026-06-28days on market $260,000 Active 22 DOM
-
2026-06-27days on market $260,000 Active 21 DOM
-
2026-06-25days on market $260,000 Active 19 DOM
-
2026-06-23days on market $260,000 Active 17 DOM
-
2026-06-21days on market $260,000 Active 16 DOM
-
2026-06-18days on market $260,000 Active 13 DOM
-
2026-06-17days on market $260,000 Active 12 DOM
-
2026-06-16days on market $260,000 Active 11 DOM
-
2026-06-15days on market $260,000 Active 10 DOM
-
2026-06-14days on market $260,000 Active 8 DOM
-
2026-06-13days on market $260,000 Active 7 DOM
-
2026-06-10days on market $260,000 Active 5 DOM
-
2026-06-09days on market $260,000 Active 4 DOM
-
2026-06-08days on market $260,000 Active 3 DOM
-
2026-06-07remarks 699-char remark
ⓘ 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
- $1,096 · $91/mo
- Projected year-2 tax
- $1,465 · $122/mo
- Expected delta
- +$368/yr (+$31/mo · 33.6%)
ⓘ 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 6/10 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $26,331
- − Mortgage interest
- −$14,396
- − Property taxes
- −$1,096
- − Insurance
- −$1,285
- − Repairs & maintenance
- −$2,106
- − Management
- −$2,106
- − HOA
- −$648
- − Depreciation
- −$7,476
- Taxable loss
- −$2,784
- Est. tax savings @ 24.0%
- +$668
- After-tax cash flow
- $2,267/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 · 12 photos
This 2021-built home in the Sage Creek community is in good condition with a modern kitchen and well-maintained exterior. It's ready for a fresh coat of paint and some landscaping to further enhance its curb appeal and rental value.
Value-add opportunities
- Resale paint exterior walls — Fresh paint can enhance curb appeal and property value ↑
- Rental trim landscaping — Well-maintained landscaping can attract tenants and increase rental value ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
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
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Aiken County · 178,003 people
- City population
- 12,385
- Metro
- Augusta-Richmond County, GA-SC
- Population (ZIP)
- 12,385
- Household income
- $84,228
- Rent vs Own
- Severe rent burden
- 33% of renters
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
+4.1% since first listed21 events — show timeline
- 2026-07-07 Price Changed $257,000 Consolidated MLS
- 2026-06-05 Listed $260,000 Consolidated MLS
- 2026-04-19 Listing Removed — Hive MLS
- 2026-04-19 Listing Removed — Hive MLS
- 2025-01-09 Listing Removed — Hive MLS
- 2025-01-09 Listing Removed — Hive MLS
- 2025-01-08 Listed $265,000 Hive MLS
- 2025-01-08 Listed $265,000 Hive MLS
- 2025-01-08 Listed $250,000 Hive MLS
- 2025-01-08 Listed $250,000 Hive MLS
- 2022-03-17 Sold (MLS) $246,905 Hive MLS
- 2022-03-17 Sold (MLS) $246,905 Hive MLS
- 2022-03-17 Sold (MLS) $246,905 AMLS
- 2022-02-01 Delisted — Consolidated MLS
- 2022-02-01 Price Changed $246,905 Consolidated MLS
- 2022-01-22 Price Changed $238,905 Consolidated MLS
- 2021-11-23 Price Changed $235,905 Consolidated MLS
- 2021-11-06 Listed $241,905 Consolidated MLS
- 2021-08-10 Listed $246,905 Hive MLS
- 2021-08-10 Listed $246,905 Hive MLS
- 2021-07-10 Listed $246,905 AMLS
Property tax history
-27.8%/yrLatest (2025): $1,096 · +0.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…