125 Chesterton Dr · Lexington, SC 29072-7147

$279,000

3 bd · 2.5 ba · 1,855 sqft · SingleFamily public records · 159 Days on market

Built 2014 3,049 sqft lot ↓ 38% since listing

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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 +10.4/30.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Schools +4.2/10.0
• Livability +4.0/5.0
• DSCR +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0

Listing remarks

This beautifully maintained 3-bedroom, 2.5-bath home at 125 Chesterton Dr. in the highly desirable Cambridge Place neighborhood. Cambridge Place is located in a very convenient area of Lexington, very quiet and kept very clean. The layout is very open with manufactured lament wood flooring throughout the main level. The kitchen has a beautiful updated eat-in kitchen with granite countertops and updated appliances. Residents enjoy access to community amenities, including a refreshing pool and front-yard maintenance for added ease. Zoned for the Lexington 1 school district and situated in a prime location close to local conveniences. Schedule your private tour today! Disclaimer: CMLS has not

Key facts

• Refreshing pool
• Community amenities
• Granite countertops

Tags

• UPDATED EAT-IN KITCHEN
• GRANITE COUNTERTOPS
• COMMUNITY AMENITIES
• REFRESHING POOL
• LEXINGTON 1 SCHOOL DISTRICT
• PRIME LOCATION

Property features AI

Finance

• HOA & community: Property is part of an association

Exterior

• Parking: Attached garage on main level; Total of 2 parking spaces (including 1 garage space)
• Utilities: Public sewer
• Home design: Two-story home
• Construction: Slab foundation
• Exterior features: Partial brick above foundation; Vinyl siding; Paved road access; Public water

Interior

• Kitchen: Kitchen on the main level
• Bedrooms: Master bedroom on the second level; Second bedroom on the second level; Third bedroom on the second level
• Bathrooms: Two full bathrooms; One half bathroom; Two second full bathrooms
• Heating & cooling: Central cooling; Central electric heating
• Interior features: Family room on the main level; Dining room on the main level
• Laundry & utility: Washer/Dryer on the second level

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $279k.

Deal economics

• At list price, monthly cash flow is $-150 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $252k (9.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $196k (29.6% below list).
• Recommended offer: $196k (29.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 81/100 on livability (#8 in SC, #1,502 nationally) — a professional / high-income tenant draw. Strengths: housing A+, health & safety A+, employment A; Watch: commute F.
• Lexington 01 (suburban): math 42% / reading 53% proficiency, ranked #11 of 80 in SC (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lake Murray Elementary (math 73% / reading 70%, grade A-, #32 of 597 statewide, top 5%, 901 students, 12% FRL); Lakeside Middle (math 43% / reading 57%, grade C, #38 of 229 statewide, top 17%, 839 students, 19% FRL); Lexington High (math 69% / reading 92%, grade A, #23 of 196 statewide, top 11%, 2,410 students, 17% FRL).
• Zoned-school proficiency averages 67% at this address vs 48% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Lexington 01 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 1 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 1,712 units permitted in Lexington County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($2k loan paydown + $8k appreciation (3.0% local appreciation)).
• Lexington County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 4, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $16k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 61% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $196,362 (29.6% 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. It's been on market 159 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.70% ✗
• Cap rate: 5.65%
• Cash-on-cash: -2.30%
• DSCR: 0.90
• GRM: 11.8

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: 5.3%
• Equity multiple: 1.31×
• Total profit: $23,944
• Equity at exit: $125,450

10-year hold

• IRR: 8.3%
• Equity multiple: 2.26×
• Total profit: $98,523
• Equity at exit: $193,334

Cash invested: $78,120 (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 29072-7147

• Active inventory: 1
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,964 high
• Mortgage (P&I): −$1,463
• Tax from tax record: −$122 /mo · $1,463/yr
• Insurance: −$116
• HOA: −$0
• Vacancy / Maint / Mgmt: −$412
• Net cashflow: $-150

Break-even live

Break-even rent $2,154

Max offer price $252,495

Occupancy floor —

Sensitivity live

Price	-10% $8	-5% $-71	+0% $-150	+5% $-229	+10% $-308
Rent	-10% $-305	-5% $-228	+0% $-150	+5% $-72	+10% $5
Rate	-1.0pp $-10	-0.5pp $-79	base $-150	+0.5pp $-222	+1.0pp $-296

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: $69,750
• Closing costs: $8,370
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
333 Canary Grass Ct Lexington, SC	3.0	2.5	1672	$1,950	$1.17	16d	1	0.94mi
121 Park Ridge Way Lexington, SC	3.0	2.5	1680	$2,100	$1.25	25d	1	1.08mi
759 Dawsons Park Way Lexington, SC	3.0	2.5	1468	$1,869	$1.27	23d	1	1.14mi
926 Dawsons Park Way Lexington, SC	3.0	2.5	1468	$1,879	$1.28	16d	1	1.19mi
855 Park Rd Lexington, SC	4.0	2.0	1600	$1,995	$1.25	25d	1	1.33mi

Listing history 16 events

1. 2026-06-22
   days on market $279,000 Active 159 DOM
2. 2026-06-19
   days on market $279,000 Active 156 DOM
3. 2026-06-03
   days on market $279,000 Active 155 DOM
4. 2026-06-03
   days on market $279,000 Active 154 DOM
5. 2026-06-02
   days on market $279,000 Active 153 DOM
6. 2026-05-31
   days on market $279,000 Active 152 DOM
7. 2026-04-30
   price $279,000
8. 2026-03-25
   price $285,000
9. 2025-12-29
   listed $295,000 Active
10. 2023-05-01
    soldstatus $245,000
11. 2023-03-20
    historical Active - Contingent
12. 2023-03-07
    price $250,000
13. 2023-02-27
    listed $260,000 Active
14. 2017-12-12
    soldstatus $153,000
15. 2014-03-13
    soldstatus $90,000
16. 2011-12-30
    soldstatus $450,500

ⓘ 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: $1,463 · $122/mo
• Projected year-2 tax: $1,590 · $133/mo
• Expected delta: +$127/yr (+$11/mo · 8.7%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,563
• − Mortgage interest: −$15,628
• − Property taxes: −$1,463
• − Insurance: −$1,395
• − Repairs & maintenance: −$1,885
• − Management: −$1,885
• − Depreciation: −$8,116
• Taxable loss: −$6,810
• Est. tax savings @ 24.0%: +$1,634
• After-tax cash flow: $-166/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 01
• NCES district ID: 4502700
• Math proficiency: 42% ▼ -12.00%
• Reading proficiency: 53% ▼ -2.00%
• Median HH income: $61,298
• Composite: 41.75/100
• National rank: #3399
• State rank: #11 of 80 in SC

Livability — Lexington

• Score: 81/100
• State rank: #8
• US rank: #1502

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

No demographic data for this ZIP.

Market trends

• HPI YoY: —
• Current HPI: —
• 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

-38.1% since first listed

10 events — show timeline

• 2026-04-30 Price Changed $279,000 Consolidated MLS
• 2026-03-25 Price Changed $285,000 Consolidated MLS
• 2025-12-29 Listed $295,000 Consolidated MLS
• 2023-05-01 Sold (Public Records) $245,000 Public Records
• 2023-03-20 Contingent — Consolidated MLS
• 2023-03-07 Price Changed $250,000 Consolidated MLS
• 2023-02-27 Listed $260,000 Consolidated MLS
• 2017-12-12 Sold (Public Records) $153,000 Public Records
• 2014-03-13 Sold (Public Records) $90,000 Public Records
• 2011-12-30 Sold (Public Records) $450,500 Public Records

Property tax history

+35.5%/yr

Latest (2024): $1,463 · +65.4% YoY. Source: county tax records.