941 Native Rye Way · White Knoll, SC 29073

$282,500

4 bd · 2.5 ba · 2,264 sqft · SingleFamily public records · 50 Days on market

Built 2021 6,534 sqft lot Est $328k · 14% under $31/mo HOA · 1% of rent

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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 +18.2/30.0
• ARV discount +13.8/15.0
• DSCR +5.7/10.0
• Schools +4.2/10.0
• 1% rule +3.9/10.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 941 Native Rye Way in Lexington, SC—located in the desirable Autumn Woods community! This 4-bedroom, 2.5-bath home offers a spacious layout and great potential for buyers looking to make a home their own! Step inside to a bright and airy open floor plan designed for both everyday living and entertaining. The spacious living area flows seamlessly into the kitchen, featuring granite countertops, recessed lighting, ample cabinet space, and a layout that makes gathering effortless. Upstairs, you’ll find the bedrooms are generously sized, including a private owner’s suite with an en-suite bath. All bathrooms showcase granite countertops, adding a cohesive and elevate

Key facts

• Open floor plan
• Private owners suite
• Recessed lighting

Tags

• OPEN FLOOR PLAN
• GRANITE COUNTERTOPS
• RECESSED LIGHTING
• AMPLE CABINET SPACE
• PRIVATE OWNERS SUITE
• EN SUITE BATH

Property features AI

Finance

• HOA & community: Property is part of an association

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family property
• Construction: Slab foundation
• Exterior features: Stone and vinyl exterior; Wood fencing; Paved road access

Interior

• Kitchen: Eat-in kitchen with island; Granite countertops; Painted cabinets; Luxury vinyl plank flooring; Kitchen island
• Bedrooms: Master bedroom on second level with double vanity, private bath, separate shower, ceiling fan, private closet, carpeted floors; Bedroom 2 on second level with ceiling fan, private closet, carpeted floors; Bedroom 3 on second level with ceiling fan, private closet, carpeted floors; Bedroom 4 on second level with ceiling fan, private closet, carpeted floors
• Flooring: Carpet in bedrooms; Luxury vinyl plank in living areas and kitchen
• Bathrooms: Two full bathrooms; One half bathroom; Two second full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: Ceiling fans in living room and bedrooms; Recessed lighting; Formal dining area; Office; Other room (see remarks)
• Laundry & utility: Laundry closet located on the second level

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $282k.

Deal economics

• At list price, monthly cash flow is $251 ($3k/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 $252k (10.7% below list).
• Recommended offer: $252k (10.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• 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: Carolina Springs Elementary (math 34% / reading 34%, grade F, #359 of 597 statewide, top 60%, 850 students, 41% FRL); White Knoll High (math 47% / reading 85%, grade B, #81 of 196 statewide, top 42%, 2,204 students, 45% FRL).
• Market conditions: Rents rising (+3.2%/yr); 564 active listings in the ZIP; 6 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).
• This rent runs 39% of the median local income ($77k/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 $8k 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

• It's been on market 50 days — a 3% lower offer ($274k) is reasonable based on typical stale-listing flexibility.
• 2 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, 67% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $252,313 (10.7% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
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. 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.
5. 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.
6. 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: 0.89% ✗
• Cap rate: 7.36%
• Cash-on-cash: 3.81%
• DSCR: 1.17
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $328,280
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2015 Bliss Ln	0.71mi	4/2.5	2,478 (+10%)	4mo	$360,000	$145	48
513 Palmetto Creek Ct	0.51mi	4/2.5	2,470 (+9%)	24mo	$312,000	$126	41

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 · 3.24% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.63×
• Total profit: $-29,265
• Equity at exit: $42,122

10-year hold

• IRR: -0.5%
• Equity multiple: 0.97×
• Total profit: $-2,742
• Equity at exit: $24,425

Cash invested: $79,100 (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 29073

• Home prices YoY: -19.1%
• Rents YoY: 3.2%
• Active inventory: 564
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,523 high
• Mortgage (P&I): −$1,481
• Tax from tax record: −$112 /mo · $1,344/yr
• Insurance: −$118
• HOA: −$31
• Vacancy / Maint / Mgmt: −$530
• Net cashflow: $251

Break-even live

Break-even rent $2,205

Max offer price $282,500

Occupancy floor 85%

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: $70,625
• Closing costs: $8,475
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
473 Walking Ln Lexington, SC	3.0	2.5	1835	$2,100	$1.14	23d	1	0.09mi
985 Native Rye Way Lexington, SC	4.0	3.0	3100	$3,500	$1.13	2d	1	0.13mi
307 Savannah Hills Dr Lexington, SC	3.0	2.5	1612	$1,985	$1.23	23d	1	0.16mi
2237 Trakand Dr Lexington, SC	3.0	2.5	1962	$1,975	$1.01	2d	1	0.24mi
432 Cape Jasmine Way Lexington, SC	4.0	2.5	1600	$2,049	$1.28	3d	1	0.44mi
237 Tea Olive Ave Lexington, SC	3.0	2.5	2448	$2,099	$0.86	21d	1	0.90mi

HOA detail

• Monthly dues: $31 · $372/yr

Listing history 16 events

1. 2026-06-18
   days on market $282,500 Active 50 DOM
2. 2026-06-17
   days on market $282,500 Active 49 DOM
3. 2026-06-16
   days on market $282,500 Active 48 DOM
4. 2026-06-15
   days on market $282,500 Active 47 DOM
5. 2026-06-14
   days on market $282,500 Active 45 DOM
6. 2026-06-10
   days on market $282,500 Active 42 DOM
7. 2026-06-09
   days on market $282,500 Active 41 DOM
8. 2026-06-08
   days on market $282,500 Active 40 DOM
9. 2026-06-07
   days on market $282,500 Active 39 DOM
10. 2026-06-03
    days on market $282,500 Active 35 DOM
11. 2026-06-03
    days on market $282,500 Active 34 DOM
12. 2026-06-02
    days on market $282,500 Active 33 DOM
13. 2026-05-31
    days on market $282,500 Active 32 DOM
14. 2026-03-15
    listed $282,500 Active
15. 2021-01-21
    historical
16. 2021-01-21
    listed $224,911 Active

ⓘ 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: $1,344 · $112/mo
• Projected year-2 tax: $1,610 · $134/mo
• Expected delta: +$266/yr (+$22/mo · 19.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 67% 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: $30,278
• − Mortgage interest: −$15,824
• − Property taxes: −$1,344
• − Insurance: −$1,412
• − Repairs & maintenance: −$2,422
• − Management: −$2,422
• − HOA: −$372
• − Depreciation: −$8,218
• Taxable loss: −$1,738
• Est. tax savings @ 24.0%: +$417
• After-tax cash flow: $3,430/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 — White Knoll

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: White Knoll, SC
• County: Lexington County · 232,571 people
• Metro: Columbia, SC
• Population (ZIP): 53,156
• Household income: $77,229
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 935.0

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: Predominantly White (72%)
• Race & ethnicity: White 72% Black 14% Two or more races 7% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 3% Italian 2% Slovak 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 93% English-only · Spanish 5% Other Indo-European 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: ▼ -59.20%
• Current HPI: 249.8957
• Rent YoY: ▲ 3.24%
• 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

+25.6% since first listed

3 events — show timeline

• 2026-03-15 Listed $282,500 Consolidated MLS
• 2021-01-21 Delisted — Consolidated MLS
• 2021-01-21 Listed $224,911 Consolidated MLS

Property tax history

+72.0%/yr

Latest (2024): $1,344 · +4.4% YoY. Source: county tax records.