1069 Crescent Moon Loop · Columbia, SC 29061

$247,000

3 bd · 2.5 ba · 1,608 sqft · SingleFamily · 1 Days on market

Built 2022 4,791 sqft lot Est $243k · at est. $25/mo HOA · 1% of rent ↓ 7% since listing

---

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 +12.2/30.0
• ARV discount +6.7/15.0
• Livability +3.9/5.0
• 1% rule +3.6/10.0
• DSCR +3.6/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to 1069 Crescent Moon Loop! Situated on a premium lot, this home offers added privacy with no rear neighbors to stare at. Instead, enjoy peaceful wooded views from your fully fenced backyard, creating the perfect space to relax, entertain, or let pets play freely. Inside, you'll find modern finishes throughout, including quartz countertops and stainless steel appliances, giving the home a stylish and contemporary feel. Ideally located just minutes from the William Jennings Bryan Dorn VA Medical Center, approximately 15 minutes from Fort Jackson, and about 35 minutes from Shaw Air Force Base, this home provides convenient access to key destinations while maintaining a quiet resi

Key facts

• Quartz countertops
• No rear neighbors
• Wooded views

Tags

• PREMIUM LOT
• NO REAR NEIGHBORS
• WOODED VIEWS
• FULLY FENCED BACKYARD
• MODERN FINISHES
• QUARTZ COUNTERTOPS

Property features AI

Finance

• HOA & community: Has association; Association covers common area maintenance

Exterior

• Parking: Three total parking spaces; One attached garage at main level
• Utilities: Public water; Public sewer
• Home design: Two-story home
• Construction: Vinyl exterior; Slab foundation
• Exterior features: Automatic sprinkler system; Full privacy fence; Paved road access

Interior

• Kitchen: Island; Pantry; Granite countertops; Painted cabinets; Recessed lighting; Laminate flooring; Dishwasher; Disposal; Microwave (above stove); Self-cleaning, smooth-surface range
• Bedrooms: Master bedroom with double vanity, walk-in closet, and carpeted floors (Second level); Bedroom 2 with private closet and carpeted floors (Second level); Bedroom 3 with private closet and carpeted floors (Second level)
• Flooring: Carpet in bedrooms; Laminate flooring in formal living and dining areas and kitchen
• Bathrooms: Two full bathrooms; One partial bathroom; One main half-bath
• Heating & cooling: Central cooling; Electric heating
• Interior features: Ceiling fans; Smoke detector; Attic access; Cable TV available
• Laundry & utility: Washer and dryer located on the second level; Laundry area in heated space; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $247k.

Deal economics

• At list price, monthly cash flow is $-52 ($-622/yr) — negative.
• To cash-flow at today's rent, offer at most $239k (3.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $213k (13.9% below list).
• Recommended offer: $213k (13.9% below list) — sets the bar for 1% rule.

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 01 (urban): math 26% / reading 36% proficiency, ranked #54 of 80 in SC (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Horrell Hill Elementary (math 17% / reading 17%, grade F, #515 of 597 statewide, top 89%, 562 students, 100% FRL); Lower Richland High (math 5% / reading 64%, grade F, #185 of 196 statewide, top 94%, 1,244 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 328 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
• This rent runs 42% of the median local income ($60k/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 $2k of loan paydown is wiped out by about $7k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 4y 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.

Recommended offer $212,669 (13.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
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 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?
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.86% ✗
• Cap rate: 6.04%
• Cash-on-cash: -0.90%
• DSCR: 0.96
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $242,808
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1062 Crescent Moon Loop	0.04mi	3/2.5	1,557 (-3%)	12mo	$252,000	$162	82
925 Farnsworth Dr	0.43mi	3/2.0	1,674 (+4%)	1mo	$247,000	$148	71
534 S Maney Ct	0.61mi	3/1.5	1,606 (-0%)	6mo	$203,010	$126	62
139 Myers Creek Dr	0.67mi	3/2.5	1,517 (-6%)	21mo	$229,000	$151	42

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.8%
• Equity multiple: 0.37×
• Total profit: $-43,281
• Equity at exit: $36,829

10-year hold

• IRR: -9.8%
• Equity multiple: 0.40×
• Total profit: $-41,749
• Equity at exit: $21,356

Cash invested: $69,160 (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 29061

• Home prices YoY: -22.8%
• Active inventory: 328
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,127 high
• Mortgage (P&I): −$1,295
• Tax est. 1.5%: −$309 /mo · $3,705/yr
• Insurance: −$103
• HOA: −$25
• Vacancy / Maint / Mgmt: −$447
• Net cashflow: $-52

Break-even live

Break-even rent $2,192

Max offer price $239,495

Occupancy floor 97%

Sensitivity live

Price	-10% $119	-5% $33	+0% $-52	+5% $-137	+10% $-223
Rent	-10% $-220	-5% $-136	+0% $-52	+5% $32	+10% $116
Rate	-1.0pp $73	-0.5pp $11	base $-52	+0.5pp $-116	+1.0pp $-181

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: $61,750
• Closing costs: $7,410
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1049 Crescent Moon Loop Hopkins, SC	3.0	2.5	1650	$2,100	$1.27	14d	1	0.05mi
455 Hunters Crossing Dr Hopkins, SC	3.0	2.0	1381	$1,699	$1.23	14d	1	0.47mi
345 Bevington Brook Ln Hopkins, SC	3.0	2.0	1475	$2,195	$1.49	24d	1	0.85mi
329 Ovanta Rd Columbia, SC	3.0	1.5	1100	$1,200	$1.09	24d	1	1.09mi
352 Sandbach Rd Columbia, SC	4.0	2.5	1976	$2,300	$1.16	14d	1	1.31mi
457 Delahays Rd Columbia, SC	3.0	2.0	1704	$2,000	$1.17	14d	1	1.33mi
440 Delahays Rd Columbia, SC	3.0	2.5	1704	$1,900	$1.12	14d	1	1.34mi

HOA detail

• Monthly dues: $25 · $300/yr

Listing history 2 events

1. 2026-06-19
   remarks 699-char remark
2. 2026-06-19
   listed $247,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $25,520
• − Mortgage interest: −$13,836
• − Property taxes: −$3,705
• − Insurance: −$1,235
• − Repairs & maintenance: −$2,042
• − Management: −$2,042
• − HOA: −$300
• − Depreciation: −$7,185
• Taxable loss: −$4,824
• Est. tax savings @ 24.0%: +$1,158
• After-tax cash flow: $535/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: Richland 01
• NCES district ID: 4503360
• Math proficiency: 26% ▼ -7.00%
• Reading proficiency: 36% ▼ -5.00%
• Median HH income: $38,931
• Composite: 25.94/100
• National rank: #7335
• State rank: #54 of 80 in SC

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

• County: Richland County · 389,530 people
• City population: 335,994
• Metro: Columbia, SC
• Population (ZIP): 12,538
• Household income: $60,307
• Rent vs Own: 19.1% rent · 80.9% own
• Severe rent burden: 236.0

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%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (68%)
• Race & ethnicity: Black 68% White 23% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Italian 1% Lithuanian 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -57.44%
• Current HPI: 194.8986
• Rent YoY: —
• 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

-6.9% since first listed

5 events — show timeline

• 2026-06-18 Listed $247,000 Consolidated MLS
• 2022-11-15 Price Changed $235,280 Consolidated MLS
• 2022-10-10 Price Changed $245,280 Consolidated MLS
• 2022-09-30 Price Changed $255,280 Consolidated MLS
• 2022-08-22 Listed $265,280 Consolidated MLS