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3070 Harborview Dr
D+ Composite 46.58
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 +13.3/30.0
  • ARV discount +7.5/15.0
  • Schools +5.5/10.0
  • Condition / age +4.8/5.0
  • 1% rule +4.5/10.0
  • DSCR +4.0/10.0
  • Livability +3.9/5.0
  • Rent growth +3.2/5.0
  • Appreciation +0.0/10.0

$205,000

3070 Harborview Dr · Columbia, SC 29229
3 bd · 2.5 ba · 1,288 sqft · Townhouse · 156 Days on market
Built 2026 Excellent condition 1,742 sqft lot $159/sqft · at area comps Est $205k · at est. $118/mo HOA · 6% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This Laurens B townhome features three bedrooms and two-and-a-half bathrooms. This home is designed to combine comfort and convenience. The first floor includes a large great room, an eat-in area, and modern kitchen and pet pad. This unique kitchen features white cabinets, black pearl granite countertops, stainless steel appliances, tile backsplash, and a generous pantry for additional storage. Driftwood-colored luxury vinyl flooring flows throughout the first floor, offering a warm and durable finish, while Ecru-colored carpet is found in the bedrooms upstairs. Additional features on the first floor include a powder bathroom and a laundry area. Upstairs, youll find three well-sized bedrooms, including a spacious primary suite with a large walk-in closet. The ensuite bathroom is designed for relaxation with a tile shower, a double-sink vanity, and modern finishes. Outside, the townhome boasts a fully fenced backyard with a large patio, perfect for outdoor relaxation or entertaining, along with extra storage space. Enjoy maintenance free living with an irrigation system and exterior home maintenance. Astoria offers a variety of amenities to ensure a comfortable and enjoyable lifestyle for all.

Key facts

  • Generous pantry
  • White cabinets
  • Great room

Tags

GREAT ROOMOPEN KITCHENWHITE CABINETSTILE BACKSPLASHSTAINLESS STEEL APPLIANCESGENEROUS PANTRY

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.5-bath townhouse listed at $205k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-2 ($-21/yr) — negative.
  • To cash-flow at today's rent, offer at most $205k (0.1% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $194k (5.3% below list).
  • Recommended offer: $180k (12.0% below list) — sets the bar for market timing.
  • Cap rate 6.3% vs local median 5.1% in Columbia — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 78/100 on livability (#18 in SC, #2,436 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime 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: Pontiac Elementary (math 39% / reading 35%, grade F, #315 of 597 statewide, top 55%, 724 students, 68% FRL); Spring Valley High (math 53% / reading 92%, grade B+, #46 of 196 statewide, top 24%, 2,187 students, 49% FRL) — zoned schools average 58% FRL vs 38% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 55% at this address vs 41% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Richland 02 average implies; a family-tenant draw the district grade alone would hide.
  • Market conditions: Rents rising (+2.8%/yr); 722 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals leasing fast (median 8d 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 $1k of loan paydown is wiped out by about $6k 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 156 days — a 12% lower offer ($180k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts 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, 69% chance of damaging wind over 30y; major 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 $180,400 (12.0% 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 156 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  7. 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?
  8. 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?
  9. 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.
  10. 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.
  11. 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
0.95% ✗
Cap rate
6.28%
Cash-on-cash
-0.04%
DSCR
1.00
GRM
8.8

CMA / ARV

ARV (median comp)
$205,197
List price
$205,000
Delta
-0.10%
Verdict
FAIR
Comps
1 within 2.0 mi
Show comp detail 10 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2045 Armada Rd 0.74mi 3/2.5 1,362 (+6%) 4mo $205,197 $151 52
2055 Armada Rd 0.72mi 3/2.5 1,362 (+6%) 8mo $202,499 $149 50
1415 Ardennes Dr 0.59mi 2/2.0 (-1) 1,342 (+4%) 37mo $227,500 $170 38
364 E Arrowleaf Ln Unit L 0.97mi 3/2.0 1,218 (-5%) 36mo $341,300 $280 34
441 Layup Cir 2.21mi 3/2.0 1,620 (+26%) 9mo $329,900 $204 30
1145 Declaration Dr 0.55mi 3/3.0 1,630 (+27%) 36mo $275,000 $169 27
1276 Independence Dr 0.61mi 3/2.5 1,578 (+22%) 36mo $252,000 $160 27
404 Windrush Dr 0.55mi 3/1.0 1,632 (+27%) 42mo $144,000 $88 23
1058 Ashcroft Cir 0.88mi 3/2.5 1,613 (+25%) 42mo $282,363 $175 20
1017 Ashcroft Cir Unit SC29229 0.76mi 4/1.0 (+1) 1,160 (-10%) 30mo $235,000 $203 17

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 · 2.81% rent growth · sell at horizon

5-year hold
IRR
-16.5%
Equity multiple
0.41×
Total profit
$-33,600
Equity at exit
$30,566
10-year hold
IRR
-8.6%
Equity multiple
0.47×
Total profit
$-30,503
Equity at exit
$17,725

Cash invested: $57,400 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
18 active · 55 under contract
Months of supply
108.0 mo (1%/mo absorbed)
Median asking
$204,950 ($148/sqft)
Median days on market
53 d
This list price
50% of active listings are priced below it
ARV vs active asking
+7.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 29229

Home prices YoY
-21.5%
Rents YoY
2.8%
Active inventory
722
Price-to-rent
8.8×

Monthly cashflow live

Estimated rent
$1,940 high interval (Pro) →
Mortgage (P&I)
−$1,075
Tax est. 1.5%
−$256 /mo · $3,075/yr
Insurance
−$85
HOA
−$118
Vacancy / Maint / Mgmt
−$407
Net cashflow
$-2

Break-even live

Break-even rent $1,943
Max offer price $204,744
Occupancy floor 95%

Sensitivity live

Price -10% $140 -5% $69 +0% $-2 +5% $-73 +10% $-143
Rent -10% $-155 -5% $-78 +0% $-2 +5% $75 +10% $152
Rate -1.0pp $101 -0.5pp $50 base $-2 +0.5pp $-55 +1.0pp $-109

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
$51,250
Closing costs
$6,150
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 24 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3068 Harborview Dr Columbia, SC 3.0 2.5 1250 $1,799 $1.44 51d 1 0.03mi
3082 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,799 $1.40 2d 1 0.05mi
3084 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,799 $1.40 2d 1 0.05mi
3086 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,799 $1.40 2d 1 0.05mi
3088 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,799 $1.40 2d 1 0.06mi
3090 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,799 $1.40 2d 1 0.06mi
1037 Astoria DR Columbia, SC 3.0 2.5 1363 $1,900 $1.39 144d 1 0.06mi
3022 Harborview Dr Columbia, SC 3.0 2.5 1288 $2,000 $1.55 46d 1 0.07mi
3022 Harborview Dr Columbia, SC 3.0 2.5 1288 $1,845 $1.43 2d 1 0.07mi
1052 Astoria Dr Columbia, SC 3.0 2.5 1250 $1,925 $1.54 108d 1 0.15mi
1032 Cornelia St Elgin, SC 3.0 2.5 1432 $2,000 $1.40 50d 1 0.38mi
1054 Cornelia St Elgin, SC 3.0 2.0 1432 $1,800 $1.26 17d 1 0.40mi
1054 Cornelia St Elgin, SC 3.0 2.0 1432 $1,800 $1.26 16d 1 0.40mi
1054 Cornelia St Elgin, SC 3.0 2.0 1432 $1,800 $1.26 7d 1 0.40mi
1068 Cornelia St Elgin, SC 3.0 2.5 1446 $1,875 $1.30 38d 1 0.43mi
1074 Cornelia St Elgin, SC 3.0 2.5 1432 $1,945 $1.36 133d 1 0.44mi
15 Attucks Ct Elgin, SC 3.0 2.0 1616 $1,899 $1.18 108d 1 0.48mi
1425 Ardennes Dr Elgin, SC 3.0 3.0 1614 $2,100 $1.30 7d 1 0.57mi
1102 Semoran Way Columbia, SC 3.0 2.5 1461 $2,094 $1.43 1d 8 0.86mi
4415 Percival Rd Columbia, SC 1.0–3.0 1.0–2.0 1112 $2,242 $2.02 0d 20 0.93mi
325 Spears Creek Church Rd Elgin, SC 1.0–3.0 1.0–2.0 1215 $1,775 $1.46 0d 5 1.27mi
220 N Donar Dr Columbia, SC 3.0 2.5 1782 $1,895 $1.06 0d 1 1.30mi
220 N Donar Dr Columbia, SC 3.0 2.5 1782 $1,895 $1.06 1d 1 1.30mi
840 Sparkleberry Ln Columbia, SC 1.0–3.0 1.0–2.0 1118 $1,939 $1.73 0d 14 1.46mi

Property features AI

Finance

Other
New construction warranty from builderCommunity sidewalks
HOA & community
Community association presentAssociation maintains common areas, exterior, front yard, sidewalks, street lights and green areasCommunity amenities include playground and pool

Exterior

Utilities
Public waterPublic sewerThermopane windows
Home design
Two-story homeVinyl exterior
Construction
Slab foundation
Exterior features
PatioBack uncovered porchSprinkler systemFull guttersFull wood privacy fence

Interior

Kitchen
Eat-in kitchenPantryGranite countertopsStained wood cabinetsRecessed lightingDishwasherDisposalMicrowave above stoveSelf-cleaning range with smooth surface
Bedrooms
Master bedroom with double vanity, private bath, walk-in closet, ceiling fan, carpet and luxury vinyl plank flooring (Second level)Bedroom 2 with shared bath, private closet, carpet and luxury vinyl plank flooring (Second level)Bedroom 3 with shared bath, private closet, carpet and luxury vinyl plank flooring (Second level)
Flooring
Luxury vinyl plank flooring in great room, kitchen and other areasCarpet in bedrooms
Bathrooms
Two full bathroomsOne half bathroomTwo additional full second-level baths
Heating & cooling
Central coolingElectric heatingHeat pump on first and second levelsSplit system with zoned heating/cooling
Interior features
Ceiling fan(s)Smoke detectorAttic with pull-down access
Laundry & utility
Main-level utility/laundry roomElectric water heater

Listing history 50 events

  1. 2026-11-08
    days on market $205,000 Active 156 DOM
  2. 2026-11-07
    days on market $205,000 Active 155 DOM
  3. 2026-11-06
    days on market $205,000 Active 154 DOM
  4. 2026-11-05
    days on market $205,000 Active 153 DOM
  5. 2026-11-04
    days on market $205,000 Active 152 DOM
  6. 2026-11-02
    days on market $205,000 Active 150 DOM
  7. 2026-11-01
    days on market $205,000 Active 149 DOM
  8. 2026-10-31
    days on market $205,000 Active 148 DOM
  9. 2026-10-30
    days on market $205,000 Active 147 DOM
  10. 2026-10-29
    days on market $205,000 Active 146 DOM
  11. 2026-10-28
    days on market $205,000 Active 145 DOM
  12. 2026-10-27
    days on market $205,000 Active 144 DOM
  13. 2026-10-26
    days on market $205,000 Active 143 DOM
  14. 2026-10-25
    days on market $205,000 Active 142 DOM
  15. 2026-10-24
    days on market $205,000 Active 141 DOM
  16. 2026-10-23
    days on market $205,000 Active 140 DOM
  17. 2026-10-22
    days on market $205,000 Active 139 DOM
  18. 2026-10-21
    days on market $205,000 Active 138 DOM
  19. 2026-10-20
    days on market $205,000 Active 137 DOM
  20. 2026-10-19
    days on market $205,000 Active 136 DOM
  21. 2026-10-18
    days on market $205,000 Active 135 DOM
  22. 2026-10-17
    days on market $205,000 Active 134 DOM
  23. 2026-10-16
    days on market $205,000 Active 133 DOM
  24. 2026-10-15
    days on market $205,000 Active 132 DOM
  25. 2026-10-14
    days on market $205,000 Active 131 DOM
  26. 2026-10-13
    days on market $205,000 Active 130 DOM
  27. 2026-10-12
    days on market $205,000 Active 129 DOM
  28. 2026-10-11
    days on market $205,000 Active 128 DOM
  29. 2026-10-10
    days on market $205,000 Active 127 DOM
  30. 2026-10-09
    days on market $205,000 Active 126 DOM
  31. 2026-10-09
    price $205,000 Active 125 DOM
  32. 2026-10-08
    days on market $210,000 Active 125 DOM
  33. 2026-10-07
    days on market $210,000 Active 124 DOM
  34. 2026-10-06
    days on market $210,000 Active 123 DOM
  35. 2026-10-05
    days on market $210,000 Active 122 DOM
  36. 2026-10-04
    days on market $210,000 Active 121 DOM
  37. 2026-10-04
    days on market $210,000 Active 120 DOM
  38. 2026-10-02
    days on market $210,000 Active 119 DOM
  39. 2026-10-01
    days on market $210,000 Active 118 DOM
  40. 2026-09-30
    days on market $210,000 Active 117 DOM
  41. 2026-09-29
    days on market $210,000 Active 116 DOM
  42. 2026-09-28
    days on market $210,000 Active 115 DOM
  43. 2026-09-27
    days on market $210,000 Active 114 DOM
  44. 2026-09-25
    days on market $210,000 Active 112 DOM
  45. 2026-09-24
    days on market $210,000 Active 111 DOM
  46. 2026-09-23
    days on market $210,000 Active 110 DOM
  47. 2026-09-22
    days on market $210,000 Active 109 DOM
  48. 2026-09-21
    days on market $210,000 Active 108 DOM
  49. 2026-09-20
    days on market $210,000 Active 107 DOM
  50. 2026-09-19
    days on market $210,000 Active 106 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 6/10 Major
  • 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 69% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$23,285
− Mortgage interest
−$11,483
− Property taxes
−$3,075
− Insurance
−$1,025
− Repairs & maintenance
−$1,863
− Management
−$1,863
− HOA
−$1,416
− Depreciation
−$5,964
Taxable loss
−$3,403
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$817
After-tax cash flow
$796/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.

Condition & rehab AI · 13 photos

Excellent 95/100 None rehab

This townhome is in excellent condition with no visible repairs needed. It offers a spacious and functional layout, ideal for those needing extra space. The home is move-in ready and would benefit from some exterior painting and landscaping to further enhance its curb appeal and value.

Value-add opportunities

  • Both Painting the exterior — Enhances curb appeal and resale value ↑
  • Both Landscaping the front yard — Improves curb appeal and rental value ↑
  • Both Adding a smart home system — Enhances convenience and rental appeal ↑
D Composite school gradezoned avg 55/100

Zoned Schools

Elementary Pontiac Elementary F SC #315/597 Nat'l #21,438/41,679 High Spring Valley High B+ SC #46/196 Nat'l #1,843/17,239

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
B Composite livability gradescore 78/100

Livability — Columbia

Score
78/100
State rank
#18
US rank
#2436

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Columbia, SC
County
Richland County · 459,667 people
City population
335,994
Metro
Columbia, SC
Population (ZIP)
51,861
Household income
$74,043
Rent vs Own
29.9% rent · 70.1% own
Severe rent burden
25% of renters

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%
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
—

Price history

-0.2% since first listed
4 events — show timeline
  • 2026-06-18 Price Changed $211,000 Zillow
  • 2026-06-17 Price Changed $211,110 Zillow
  • 2026-06-08 Listed $211,350 Zillow
  • 2026-06-05 Listed $211,350 Consolidated MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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