710 Oneal St · Belton, SC 29627

$197,000

2 bd · 1.5 ba · 1,045 sqft · Other public records · 28 Days on market

Built 1940 0.42 ac 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 +12.9/30.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• DSCR +3.9/10.0
• Livability +3.7/5.0
• 1% rule +2.9/10.0
• Appreciation +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; picture windows, solid wood doors with wide casing and Cinderella knobs- coupled with desired updates; like granite countertops, updated bathrooms, new flooring thoughout, neutral paint color pallette and new fixtures! Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, or on the brand new 16 x 13 deck overlooking the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are just a bonus! Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

Key facts

• Fresh paint
• Updated flooring
• Crown molding

Tags

• UPDATED FLOORING
• FRESH PAINT
• CROWN MOLDING
• DEDICATED LAUNDRY ROOM
• NEW INSULATION
• FULLY FENCED BACKYARD

Property features AI

Finance

• HOA & community: Short-term rentals allowed

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer
• Home design: Single-story; Over 50 years old; Vinyl siding; Crawlspace foundation
• Construction: Vinyl siding; Crawlspace foundation; Built over 50 years ago
• Exterior features: Deck; Patio; Fence; Yard fenced; Corner lot; City lot; Not in a subdivision

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: 3 main-level bedrooms
• Flooring: Concrete; Luxury vinyl; Luxury vinyl tile; Tile
• Bathrooms: 1 full bathroom; 1 half bathroom; 1 main-level bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Granite counters; Pull-down attic stairs; Smooth ceilings; Window treatments; Blinds

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath other listed at $197k.

Deal economics

• At list price, monthly cash flow is $-13 ($-160/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (1.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $155k (21.3% below list).
• Recommended offer: $155k (21.3% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 3.9% in Belton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 74/100 on livability (#32 in SC, #4,723 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: commute F, employment F.
• Anderson 02 (rural): math 46% / reading 52% proficiency, ranked #16 of 80 in SC (top 20%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Honea Path Elementary (math 39% / reading 44%, grade F, #269 of 597 statewide, top 46%, 570 students, 100% FRL); Belton Middle (math 37% / reading 46%, grade F, #68 of 229 statewide, top 31%, 495 students, 77% FRL); Belton Honea Path High (math 58% / reading 86%, grade B+, #48 of 196 statewide, top 26%, 1,097 students, 67% FRL) — zoned schools average 81% FRL vs 46% district-wide (35 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 134 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,255 units permitted in Anderson 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.
• Anderson County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 20y 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 $140k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $155,000 (21.3% 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. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.79% ✗
• Cap rate: 6.21%
• Cash-on-cash: -0.29%
• DSCR: 0.99
• GRM: 10.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -16.8%
• Equity multiple: 0.40×
• Total profit: $-32,826
• Equity at exit: $29,373

10-year hold

• IRR: -8.7%
• Equity multiple: 0.46×
• Total profit: $-29,894
• Equity at exit: $17,033

Cash invested: $55,160 (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 29627

• Home prices YoY: -1.3%
• Active inventory: 134
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,550 medium
• Mortgage (P&I): −$1,033
• Tax from tax record: −$123 /mo · $1,472/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $-13

Break-even live

Break-even rent $1,567

Max offer price $194,639

Occupancy floor 96%

Sensitivity live

Price	-10% $98	-5% $42	+0% $-13	+5% $-69	+10% $-125
Rent	-10% $-136	-5% $-75	+0% $-13	+5% $48	+10% $109
Rate	-1.0pp $86	-0.5pp $37	base $-13	+0.5pp $-64	+1.0pp $-116

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: $49,250
• Closing costs: $5,910
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
130 Ellison St Belton, SC	3.0	2.0	1400	$1,550	$1.11	4d	1	1.31mi

Listing history 31 events

1. 2026-06-18
   days on market $197,000 Active 28 DOM
2. 2026-06-17
   days on market $197,000 Active 27 DOM
3. 2026-06-16
   days on market $197,000 Active 26 DOM
4. 2026-06-15
   days on market $197,000 Active 25 DOM
5. 2026-06-13
   days on market $197,000 Active 23 DOM
6. 2026-06-10
   days on market $197,000 Active 20 DOM
7. 2026-06-09
   days on market $197,000 Active 19 DOM
8. 2026-06-08
   days on market $197,000 Active 18 DOM
9. 2026-06-07
   days on market $197,000 Active 17 DOM
10. 2026-06-03
    days on market $197,000 Active 13 DOM
11. 2026-06-03
    days on market $197,000 Active 12 DOM
12. 2026-06-01
    days on market $197,000 Active 11 DOM
13. 2026-05-31
    days on market $197,000 Active 10 DOM
14. 2026-05-21
    listed $197,000 Active
15. 2023-11-16
    soldstatus $140,000
16. 2020-11-24
    soldstatus $120,000 Sold 836-char remark

    Show marketing remark (836 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; picture windows, solid wood doors with wide casing and Cinderella knobs- coupled with desired updates; like granite countertops, updated bathrooms, new flooring thoughout, neutral paint color pallette and new fixtures! Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, or on the brand new 16 x 13 deck overlooking the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are just a bonus! Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

17. 2020-10-02
    historical Contract-Take Back-Ups 836-char remark

    Show marketing remark (836 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; picture windows, solid wood doors with wide casing and Cinderella knobs- coupled with desired updates; like granite countertops, updated bathrooms, new flooring thoughout, neutral paint color pallette and new fixtures! Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, or on the brand new 16 x 13 deck overlooking the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are just a bonus! Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

18. 2020-09-29
    listed $115,000 Active 836-char remark

    Show marketing remark (836 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; picture windows, solid wood doors with wide casing and Cinderella knobs- coupled with desired updates; like granite countertops, updated bathrooms, new flooring thoughout, neutral paint color pallette and new fixtures! Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, or on the brand new 16 x 13 deck overlooking the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are just a bonus! Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

19. 2018-09-07
    soldstatus $87,000
20. 2018-08-31
    soldstatus $87,000 Sold 683-char remark

    Show marketing remark (683 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; original hardwood flooring, picture windows, solid wood doors with wide casing and Cinderella knobs. Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are added "perks." Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

21. 2018-08-31
    soldstatus $87,000 Sold

    Show marketing remark (683 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; original hardwood flooring, picture windows, solid wood doors with wide casing and Cinderella knobs. Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are added "perks." Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

22. 2018-08-06
    status Pending 683-char remark

    Show marketing remark (683 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; original hardwood flooring, picture windows, solid wood doors with wide casing and Cinderella knobs. Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are added "perks." Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

23. 2018-07-30
    status Pending
24. 2018-07-11
    listed $92,900 Active 683-char remark

    Show marketing remark (683 chars)

    Charming, cozy and full of character! This quaint bungalow is nestled away on a corner lot in the heart of Belton SC. The details in the original design are what HGTV fans long for; original hardwood flooring, picture windows, solid wood doors with wide casing and Cinderella knobs. Time spent outdoors will be a treat, with the oversized covered front porch complete with a ceiling fan for hot summer days, the spacious fenced in back yard and large driveway with extended parking pad. New insulated windows throughout, newer roof, and large outbuilding are added "perks." Less than one mile to the Downtown Square and only a short commute to both Anderson and Greenville!

25. 2018-06-26
    listed $92,900 Active
26. 2007-12-05
    soldstatus $72,000
27. 2006-12-27
    soldstatus $48,700
28. 2006-12-20
    soldstatus $48,700
29. 2006-11-07
    listed $57,900
30. 1992-03-19
    soldstatus $34,900
31. 1987-08-13
    soldstatus $28,500

ⓘ 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: $1,472 · $123/mo
• Projected year-2 tax: $1,472 · $123/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,600
• − Mortgage interest: −$11,035
• − Property taxes: −$1,472
• − Insurance: −$985
• − Repairs & maintenance: −$1,488
• − Management: −$1,488
• − Depreciation: −$5,731
• Taxable loss: −$3,599
• Est. tax savings @ 24.0%: +$864
• After-tax cash flow: $703/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: Anderson 02
• NCES district ID: 4500810
• Math proficiency: 46% ▼ -1.00%
• Reading proficiency: 52% ▲ 5.00%
• Median HH income: $38,940
• Composite: 40.88/100
• National rank: #3623
• State rank: #16 of 80 in SC

Livability — Belton

• Score: 74/100
• State rank: #32
• US rank: #4723

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Belton, SC
• City population: 16,518
• Population (ZIP): 16,518

Population outlook (Anderson County) Hauer SSP2

• Today (2025): 210,546 people
• By 2030: 217,791 · +3.4%
• By 2040: 230,643 · +9.5%
• By 2050: 240,220 · +14.1%
• By 2075: 259,518 · +23.3%
• By 2100: 258,696 · +22.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 12% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Serbian 3% Slovak 2% Lithuanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Russian/Polish/Slavic 2% Spanish 1%

Political lean MEDSL · Anderson

• 2024 margin: Solid R (+47.4) · D 25.7% · R 73.1% · Other 1.2%
• 2008→2024 swing: -14.1pp toward R · 2008: -33.3pp · 2024: -47.4pp
• All cycles: 2024: R+47.4 2020: R+42.0 2016: R+43.7 2012: R+36.4 2008: R+33.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -4.78%
• Current HPI: 355.0273
• Rent YoY: —
• Metro: —
• 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

+591.2% since first listed

18 events — show timeline

• 2026-05-21 Listed $197,000 WUMLS
• 2023-11-16 Sold (Public Records) $140,000 Public Records
• 2020-11-24 Sold (MLS) $120,000 WUMLS
• 2020-10-02 Contingent — WUMLS
• 2020-09-29 Listed $115,000 WUMLS
• 2018-09-07 Sold (Public Records) $87,000 Public Records
• 2018-08-31 Sold (MLS) $87,000 WUMLS
• 2018-08-31 Sold (MLS) $87,000 Greater Greenville MLS
• 2018-08-06 Pending — Greater Greenville MLS
• 2018-07-30 Pending — WUMLS
• 2018-07-11 Listed $92,900 Greater Greenville MLS
• 2018-06-26 Listed $92,900 WUMLS
• 2007-12-05 Sold (Public Records) $72,000 Public Records
• 2006-12-27 Sold (Public Records) $48,700 Public Records
• 2006-12-20 Sold (MLS) $48,700 WUMLS
• 2006-11-07 Listed $57,900 WUMLS
• 1992-03-19 Sold (Public Records) $34,900 Public Records
• 1987-08-13 Sold (Public Records) $28,500 Public Records

Property tax history

+5.5%/yr

Latest (2025): $1,472 · +29.5% YoY. Source: county tax records.