1115 Silver Bluff Rd · Aiken, SC 29803

$235,000

3 bd · 2.0 ba · 1,534 sqft · SingleFamily public records · 114 Days on market

Built 1979 0.39 ac lot Est $261k · 10% under

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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 +13.4/30.0
• ARV discount +11.9/15.0
• DSCR +4.0/10.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• 1% rule +3.3/10.0
• Schools +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

Key facts

• Wood beams
• Attached en-suite
• Patio

Tags

• BREAKFAST BAR
• WOOD BEAMS
• WOOD-BURNING FIREPLACE
• ATTACHED EN-SUITE
• PATIO
• LARGE GREEN SPACE

Property features AI

Finance

• HOA & community: No community features listed

Exterior

• Parking: Attached garage with 2 spaces; Garage door opener; Paved driveway
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Electricity available; Cable available; Phone available
• Home design: Single-family residence; One story; Residential zoning
• Construction: Vinyl siding; Shingle/composition roof; Slab foundation; Built as a single-story home
• Exterior features: Front porch; Patio; Level lot; Asphalt road

Interior

• Kitchen: Oven; Self-cleaning oven; Dishwasher; Microwave; Refrigerator
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric cooling; Ceiling fans
• Interior features: Ceiling fans; Walk-in closets; Cathedral ceilings; Kitchen island; Breakfast bar; Eat-in kitchen; Wood-burning fireplace in family room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $235k.

Deal economics

• At list price, monthly cash flow is $6 ($69/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 $195k (17.2% below list).
• Recommended offer: $195k (17.2% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 4.1% in Aiken — 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 67/100 on livability (#93 in SC) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: crime F, commute F.
• Aiken 01 (suburban): math 31% / reading 44% proficiency, ranked #36 of 80 in SC (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Chukker Creek Elementary (math 51% / reading 55%, grade C, #138 of 597 statewide, top 24%, 664 students, 30% FRL); M. B. Kennedy Middle (math 27% / reading 41%, grade F, #110 of 229 statewide, top 49%, 643 students, 51% FRL); South Aiken High (math 42% / reading 88%, grade B, #85 of 196 statewide, top 45%, 1,356 students, 42% FRL).
• Zoned-school proficiency averages 51% at this address vs 38% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the Aiken 01 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+4.4%/yr); 516 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,500 units permitted in Aiken County in 2024 (1,023 in 5+ unit buildings).

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.
• Aiken County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 114 days — a 9% lower offer ($214k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 2y ago; this cycle's ask has dropped $25k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 73% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $194,687 (17.2% below list)

Questions for the listing agent

1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.83% ✗
• Cap rate: 6.32%
• Cash-on-cash: 0.11%
• DSCR: 1.00
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $260,780
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
183 Suffolk Dr	0.14mi	3/2.0	1,504 (-2%)	1mo	$259,000	$172	89
71 Suffolk Dr	0.25mi	3/2.0	1,560 (+2%)	3mo	$252,000	$162	83
202 Suffolk Dr	0.22mi	3/2.0	1,617 (+5%)	6mo	$247,350	$153	76
104 Donegal Dr	0.46mi	3/2.5	1,556 (+1%)	3mo	$267,000	$172	72
82 Suffolk Dr	0.29mi	3/2.0	1,450 (-6%)	8mo	$231,900	$160	70
110 Glencarin Dr	0.53mi	3/2.0	1,490 (-3%)	2mo	$269,900	$181	69
320 Polaris Dr	0.42mi	3/2.0	1,642 (+7%)	5mo	$156,000	$95	65
162 Boxwood Rd	0.44mi	3/2.0	1,620 (+6%)	8mo	$265,000	$164	63
233 Greenwich Drive Dr	0.43mi	3/2.0	1,402 (-9%)	4mo	$200,000	$143	62
1426 Alpine Dr	0.42mi	3/2.0	1,738 (+13%)	2mo	$310,000	$178	56
137 Longridge Loop	0.74mi	3/2.0	1,705 (+11%)	3mo	$289,900	$170	44
118 Boxwood Rd	0.57mi	3/2.0	1,756 (+14%)	7mo	$350,000	$199	44

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 · 4.43% rent growth · sell at horizon

5-year hold

• IRR: -14.7%
• Equity multiple: 0.47×
• Total profit: $-34,899
• Equity at exit: $35,039

10-year hold

• IRR: -3.9%
• Equity multiple: 0.73×
• Total profit: $-18,023
• Equity at exit: $20,319

Cash invested: $65,800 (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 29803

• Rents YoY: 4.4%
• Active inventory: 516
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,947 high
• Mortgage (P&I): −$1,232
• Tax from tax record: −$202 /mo · $2,424/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $6

Break-even live

Break-even rent $1,940

Max offer price $235,000

Occupancy floor 95%

Sensitivity live

Price	-10% $139	-5% $72	+0% $6	+5% $-61	+10% $-127
Rent	-10% $-148	-5% $-71	+0% $6	+5% $83	+10% $160
Rate	-1.0pp $124	-0.5pp $66	base $6	+0.5pp $-55	+1.0pp $-117

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Suffolk Dr Aiken, SC	3.0	2.0	1340	$1,725	$1.29	14d	1	0.28mi
9 Juniper Loop Aiken, SC	3.0	2.5	2128	$2,500	$1.17	14d	1	0.62mi
650 Silver Bluff Rd Aiken, SC	1.0–3.0	1.0–2.0	894	$1,529	$1.71	14d	15	0.66mi
470 Greenwich Dr Aiken, SC	3.0	2.0	1386	$2,000	$1.44	24d	1	0.69mi
107 Raintree Ct Aiken, SC	2.0	2.0	1092	$1,800	$1.65	22d	1	0.93mi
5 The Cors Aiken, SC	3.0	2.5	1350	$1,800	$1.33	14d	1	1.01mi
176 Village Green Blvd Aiken, SC	2.0	2.0	1192	$2,658	$2.23	24d	1	1.18mi
100 Cody Ln Aiken, SC	2.0–3.0	2.0–2.5	1163	$1,326	$1.14	14d	11	1.19mi
123 Society Hill Dr SW Unit 123 Aiken, SC	3.0	2.5	2197	$3,000	$1.37	14d	1	1.35mi
255 Society Hill Dr Aiken, SC	2.0	2.0	1252	$2,662	$2.13	24d	1	1.37mi
147 Portofino Ln SW Aiken, SC	2.0	2.0	1334	$2,200	$1.65	24d	1	1.47mi
4285 Julep Way SW Aiken, SC	2.0	1.0–2.0	825	$2,093	$2.54	14d	28	1.48mi

Listing history 34 events

1. 2026-06-18
   days on market $235,000 Active 114 DOM
2. 2026-06-17
   days on market $235,000 Active 113 DOM
3. 2026-06-16
   days on market $235,000 Active 112 DOM
4. 2026-06-15
   days on market $235,000 Active 111 DOM
5. 2026-06-14
   days on market $235,000 Active 109 DOM
6. 2026-06-13
   days on market $235,000 Active 108 DOM
7. 2026-06-10
   days on market $235,000 Active 106 DOM
8. 2026-06-09
   days on market $235,000 Active 105 DOM
9. 2026-06-08
   days on market $235,000 Active 104 DOM
10. 2026-06-07
    days on market $235,000 Active 103 DOM
11. 2026-06-03
    pricedays on market $235,000 Active 99 DOM
12. 2026-06-02
    days on market $245,000 Active 98 DOM
13. 2026-06-01
    days on market $245,000 Active 97 DOM
14. 2026-05-31
    days on market $245,000 Active 96 DOM
15. 2026-05-30
    days on market $245,000 Active 95 DOM
16. 2026-03-24
    price $245,000
17. 2026-02-24
    status Active
18. 2026-02-23
    historical
19. 2026-02-23
    listed $259,900 Active
20. 2025-01-31
    soldstatus $222,000
21. 2025-01-30
    soldstatus $222,000 Closed 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

22. 2025-01-21
    status Pending 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

23. 2025-01-07
    historical Active Under Contract 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

24. 2025-01-03
    price $229,900 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

25. 2024-12-16
    status Active 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

26. 2024-12-16
    price $234,900 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

27. 2024-12-10
    historical Active Under Contract 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

28. 2024-11-26
    listed $239,900 Active 622-char remark

    Show marketing remark (622 chars)

    Updated/move-in ready home! This home features 3 bedrooms, 2 bathrooms and great living spaces. The kitchen is updated and features a breakfast bar. A great spot to grab a cup of coffee in the morning. The kitchen is open to the dining room and a breakfast nook, as well. Great for entertaining! The great room has vaulted ceilings with wood beams and a beautiful wood-burning fireplace. Lots of light in this space! The primary bedroom features an attached en-suite and the two guest rooms share a hall bathroom. The backyard features a patio, great for grilling, and a large green space! New carpet and paint throughout!

29. 2024-02-26
    historical
30. 2024-02-26
    historical
31. 2024-02-01
    listed $109,381
32. 2024-02-01
    listed $109,381
33. 1990-11-01
    soldstatus $76,500
34. 1989-03-01
    soldstatus $69,250

ⓘ 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: $2,424 · $202/mo
• Projected year-2 tax: $2,424 · $202/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 7/10 Severe 7 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 73% 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: $23,362
• − Mortgage interest: −$13,164
• − Property taxes: −$2,424
• − Insurance: −$1,175
• − Repairs & maintenance: −$1,869
• − Management: −$1,869
• − Depreciation: −$6,836
• Taxable loss: −$3,974
• Est. tax savings @ 24.0%: +$954
• After-tax cash flow: $1,023/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: Aiken 01
• NCES district ID: 4500720
• Math proficiency: 31% ▼ -11.00%
• Reading proficiency: 44% ▼ -1.00%
• Median HH income: $45,081
• Composite: 31.91/100
• National rank: #5857
• State rank: #36 of 80 in SC

Livability — Aiken

• Score: 67/100
• State rank: #93
• US rank: #10443

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Aiken County · 116,534 people
• City population: 71,807
• Metro: Augusta-Richmond County, GA-SC
• Population (ZIP): 40,699
• Household income: $86,023
• Rent vs Own: 17.7% rent · 82.3% own
• Severe rent burden: 641.0

Population outlook (Aiken County) Hauer SSP2

• Today (2025): 178,003 people
• By 2030: 182,876 · +2.7%
• By 2040: 189,970 · +6.7%
• By 2050: 193,840 · +8.9%
• By 2075: 199,453 · +12.1%
• By 2100: 192,403 · +8.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Black 16% Two or more races 6% Hispanic / Latino 5% Asian 2%
• Common ancestry: Slovak 3% Serbian 3% Lithuanian 3%
• Foreign-born: 3% · Canada, Vietnam, China
• Languages at home: 95% English-only · Spanish 3% Vietnamese 1%

Political lean MEDSL · Aiken

• 2024 margin: Strong R (+25.9) · D 36.4% · R 62.2% · Other 1.4%
• 2008→2024 swing: -1.9pp toward R · 2008: -24.0pp · 2024: -25.9pp
• All cycles: 2024: R+25.9 2020: R+22.7 2016: R+27.5 2012: R+26.0 2008: R+24.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -221.02%
• Current HPI: 231.6908
• Rent YoY: ▲ 4.43%
• Metro: Augusta-Richmond County, GA-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

+253.8% since first listed

19 events — show timeline

• 2026-03-24 Price Changed $245,000 AMLS
• 2026-02-24 Relisted — AMLS
• 2026-02-23 Delisted — AMLS
• 2026-02-23 Listed $259,900 AMLS
• 2025-01-31 Sold (Public Records) $222,000 Public Records
• 2025-01-30 Sold (MLS) $222,000 AMLS
• 2025-01-21 Pending — AMLS
• 2025-01-07 Contingent — AMLS
• 2025-01-03 Price Changed $229,900 AMLS
• 2024-12-16 Relisted — AMLS
• 2024-12-16 Price Changed $234,900 AMLS
• 2024-12-10 Contingent — AMLS
• 2024-11-26 Listed $239,900 AMLS
• 2024-02-26 Listing Removed — Hive MLS
• 2024-02-26 Listing Removed — Hive MLS
• 2024-02-01 Listed $109,381 Hive MLS
• 2024-02-01 Listed $109,381 Hive MLS
• 1990-11-01 Sold (Public Records) $76,500 Public Records
• 1989-03-01 Sold (Public Records) $69,250 Public Records

Property tax history

+15.5%/yr

Latest (2025): $2,424 · +40.3% YoY. Source: county tax records.