103 Whitfield Ct · Dentsville, SC 29229

$239,500

3 bd · 2.0 ba · 1,431 sqft · SingleFamily public records · 26 Days on market

Built 1990 0.28 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 +12.8/30.0
• ARV discount +7.5/15.0
• DSCR +3.8/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +3.2/5.0
• 1% rule +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

BACK ON THE MARKET DUE TO NO FAULT OF SELLER! This beautiful home is ready for you to move in and make it your own! With a natural color palette and a cozy fireplace, you’ll feel right at home the moment you step inside. The flexible living spaces provides rooms perfect for a home office, playroom, workout space, or whatever fits your lifestyle. The primary bathroom also features convenient under-sink storage to keep everything organized. Step outside and enjoy the huge fenced-in backyard, giving you plenty of room for entertaining, pets, gardening, or simply relaxing in your own private outdoor retreat. A dedicated sitting area makes it easy to unwind and take in the fresh air. Loca

Key facts

• Quiet cul-de-sac
• Under-sink storage
• 0.28 acre lot

Tags

• FLEXIBLE LIVING SPACES
• UNDER-SINK STORAGE
• HUGE FENCED-IN BACKYARD
• DEDICATED SITTING AREA
• QUIET CUL-DE-SAC

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-story home
• Construction: Slab foundation
• Exterior features: Vinyl exterior; Paved road access; 0.28-acre lot

Interior

• Bedrooms: Master bedroom on the main level
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central cooling
• Interior features: One fireplace; Total heated area 1,469

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-21 ($-258/yr) — negative.
• To cash-flow at today's rent, offer at most $236k (1.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $191k (20.2% below list).
• Recommended offer: $191k (20.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#50 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D+, crime F, commute F.
• Richland 02 (suburban): math 35% / reading 47% proficiency, ranked #29 of 80 in SC (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Killian Elementary (math 18% / reading 24%, grade F, #488 of 597 statewide, top 82%, 742 students, 100% FRL); Westwood High (math 47% / reading 87%, grade B, #73 of 196 statewide, top 41%, 1,684 students, 66% FRL) — zoned schools average 83% FRL vs 38% district-wide (45 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.8%/yr); 406 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
• This rent runs 31% of the median local income ($74k/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

• It's been on market 26 days — a 2% lower offer ($236k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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 $208k; 15% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 64% 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 $191,163 (20.2% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.80% ✗
• Cap rate: 6.19%
• Cash-on-cash: -0.38%
• DSCR: 0.98
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.81% rent growth · sell at horizon

5-year hold

• IRR: -17.2%
• Equity multiple: 0.39×
• Total profit: $-40,589
• Equity at exit: $35,710

10-year hold

• IRR: -9.5%
• Equity multiple: 0.42×
• Total profit: $-38,789
• Equity at exit: $20,708

Cash invested: $67,060 (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 29229

• Home prices YoY: -21.5%
• Rents YoY: 2.8%
• Active inventory: 406
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,912 high
• Mortgage (P&I): −$1,256
• Tax from tax record: −$176 /mo · $2,111/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $-21

Break-even live

Break-even rent $1,939

Max offer price $235,705

Occupancy floor 96%

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: $59,875
• Closing costs: $7,185
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13 Tomafield Ct Columbia, SC	3.0	2.0	1721	$2,000	$1.16	3d	1	0.15mi
21 Winslow Ct Columbia, SC	3.0	2.0	1220	$1,649	$1.35	21d	1	0.18mi
508 Longtown Rd Columbia, SC	1.0–3.0	1.0–2.0	984	$1,316	$1.34	3d	26	0.49mi
109 Jaybird Ln Columbia, SC	3.0	2.0	1250	$1,679	$1.34	3d	1	0.71mi
108 Quinton Ln Columbia, SC	3.0	2.0	1052	$1,749	$1.66	21d	1	0.74mi
502 Blue Garden Way Columbia, SC	4.0	2.5	1775	$2,183	$1.23	14d	1	0.83mi
213 Sagamare Rd Columbia, SC	4.0	3.0	1664	$1,970	$1.18	23d	1	0.84mi
102 Petworth Dr Columbia, SC	4.0	3.0	1664	$2,050	$1.23	3d	1	0.89mi
608 Cottontail Ct N Columbia, SC	4.0	2.0	1701	$2,139	$1.26	3d	1	0.89mi
201 Trowbridge Rd Columbia, SC	3.0	2.0	1220	$1,649	$1.35	23d	1	0.94mi
916 N Brickyard Rd Columbia, SC	3.0	2.0	1350	$1,695	$1.26	14d	1	0.98mi
4500 Hard Scrabble Rd Columbia, SC	1.0–3.0	1.0–2.0	1031	$1,455	$1.41	3d	4	1.10mi
1340 N Brickyard Rd Columbia, SC	1.0–3.0	1.0–2.0	1061	$1,860	$1.75	3d	34	1.22mi
9641 Farrow Rd Columbia, SC	2.0–3.0	2.0	1179	$1,872	$1.59	3d	32	1.25mi
1800 Killian Lakes Dr Columbia, SC	1.0–3.0	1.0–2.5	1401	$2,657	$1.90	3d	47	1.29mi
18 Rosepine Dr Columbia, SC	4.0	2.0	1600	$1,985	$1.24	3d	1	1.36mi
5 Elders Pond Ct Columbia, SC	3.0	2.5	1640	$1,795	$1.09	14d	1	1.36mi
423 Elders Pond Cir Columbia, SC	2.0	2.0	1125	$1,475	$1.31	19d	1	1.37mi
214 Elders Pond Dr Columbia, SC	3.0	2.5	1400	$1,350	$0.96	11d	1	1.41mi

Listing history 33 events

1. 2026-06-18
   days on market $239,500 Active 26 DOM
2. 2026-06-17
   days on market $239,500 Active 25 DOM
3. 2026-06-16
   days on market $239,500 Active 24 DOM
4. 2026-06-15
   days on market $239,500 Active 23 DOM
5. 2026-06-14
   days on market $239,500 Active 21 DOM
6. 2026-06-13
   days on market $239,500 Active 20 DOM
7. 2026-06-10
   days on market $239,500 Active 18 DOM
8. 2026-06-09
   days on market $239,500 Active 17 DOM
9. 2026-06-08
   days on market $239,500 Active 16 DOM
10. 2026-06-07
    days on market $239,500 Active 15 DOM
11. 2026-06-05
    days on market $239,500 Active 12 DOM
12. 2026-06-03
    days on market $239,500 Active 11 DOM
13. 2026-06-03
    days on market $239,500 Active 10 DOM
14. 2026-06-01
    days on market $239,500 Active 9 DOM
15. 2026-05-31
    statusdays on market $239,500 Active 8 DOM
16. 2026-05-18
    status Pending
17. 2026-05-11
    listed $239,500 Active
18. 2026-03-22
    price $239,500
19. 2026-01-28
    listed $240,000 Active
20. 2023-11-28
    soldstatus $208,000
21. 2023-11-07
    status Pending
22. 2023-10-23
    historical Active - Contingent
23. 2023-10-20
    status Active
24. 2023-10-14
    historical Active - Contingent
25. 2023-09-28
    price $208,000
26. 2023-09-14
    price $214,000
27. 2023-09-05
    listed $220,000 Active
28. 2023-08-21
    soldstatus $193,400
29. 2018-03-13
    soldstatus $123,000
30. 1998-03-02
    soldstatus $83,000
31. 1995-12-13
    soldstatus $75,500
32. 1995-12-12
    soldstatus $77,000
33. 1993-04-05
    soldstatus $77,000

ⓘ 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: $2,111 · $176/mo
• Projected year-2 tax: $2,111 · $176/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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 64% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,940
• − Mortgage interest: −$13,416
• − Property taxes: −$2,111
• − Insurance: −$1,198
• − Repairs & maintenance: −$1,835
• − Management: −$1,835
• − Depreciation: −$6,967
• Taxable loss: −$4,422
• Est. tax savings @ 24.0%: +$1,061
• After-tax cash flow: $804/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 02
• NCES district ID: 4503390
• Math proficiency: 35% ▼ -15.00%
• Reading proficiency: 47% ▼ -5.00%
• Median HH income: $59,684
• Composite: 36.2/100
• National rank: #4730
• State rank: #29 of 80 in SC

Livability — Dentsville

• Score: 71/100
• State rank: #50
• US rank: #6940

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Richland County · 389,530 people
• City population: 52,835
• Metro: Columbia, SC
• Population (ZIP): 51,861
• Household income: $74,043
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 1939.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 62% White 24% Hispanic / Latino 8% Two or more races 6% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Slovak 1% Lithuanian 1% Romanian 1%
• Foreign-born: 7% · Canada, South Korea, Jamaica
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% Korean 1%

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: ▼ -51.11%
• Current HPI: 186.782
• Rent YoY: ▲ 2.81%
• 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

+211.0% since first listed

18 events — show timeline

• 2026-05-18 Pending — Consolidated MLS
• 2026-05-11 Listed $239,500 Consolidated MLS
• 2026-03-22 Price Changed $239,500 Consolidated MLS
• 2026-01-28 Listed $240,000 Consolidated MLS
• 2023-11-28 Sold (Public Records) $208,000 Public Records
• 2023-11-07 Pending — Consolidated MLS
• 2023-10-23 Contingent — Consolidated MLS
• 2023-10-20 Relisted — Consolidated MLS
• 2023-10-14 Contingent — Consolidated MLS
• 2023-09-28 Price Changed $208,000 Consolidated MLS
• 2023-09-14 Price Changed $214,000 Consolidated MLS
• 2023-09-05 Listed $220,000 Consolidated MLS
• 2023-08-21 Sold (Public Records) $193,400 Public Records
• 2018-03-13 Sold (Public Records) $123,000 Public Records
• 1998-03-02 Sold (Public Records) $83,000 Public Records
• 1995-12-13 Sold (Public Records) $75,500 Public Records
• 1995-12-12 Sold (Public Records) $77,000 Public Records
• 1993-04-05 Sold (Public Records) $77,000 Public Records

Property tax history

+11.7%/yr

Latest (2025): $2,111 · -69.5% YoY. Source: county tax records.