1707 Carl Rd · St. Andrews, SC 29210

$259,000

4 bd · 2.0 ba · 2,070 sqft · SingleFamily public records · 46 Days on market

Built 1968 0.74 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 +14.5/30.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• Rent growth +3.8/5.0
• 1% rule +2.9/10.0
• Schools +2.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Ready to put down roots and begin making beautiful memories? Welcome to 1707 Carl Road in Columbia, SC, a property full of opportunity and charm. Offering over 2,000 square feet of living space with four spacious bedrooms, this home provides the perfect setting for a growing family or anyone looking for room to spread out and make a home their own. One of the most special features of this property is the nearly almost 1 acre lot, a rare find in today’s neighborhoods. With this much land, the possibilities are endless—add a pool, create a garden oasis, build a play area, or simply enjoy the privacy and open space that’s increasingly hard to find. Inside, the home already sh

Key facts

• Nearly 3/4-acre lot
• Whole-home generator
• Easy access to i-26

Tags

• NEARLY 3/4-ACRE LOT
• ORIGINAL HARDWOOD FLOORS
• WHOLE-HOME GENERATOR
• EASY ACCESS TO I-20
• EASY ACCESS TO I-26

Property features AI

Exterior

• Parking: Attached carport on main level; Two garage spaces (total of 4 parking spaces)
• Utilities: Public water; Public sewer
• Home design: Single-story residence
• Construction: Crawlspace foundation
• Exterior features: Brick exterior on all sides above foundation; Paved road access; Approximately 0.74-acre lot

Interior

• Kitchen: Hardwood-floor kitchen with Formica countertops; Dishwasher, refrigerator, and over-the-range microwave
• Bedrooms: Main-level primary suite with private bath, walk-in closet and ceiling fan; Three additional main-level bedrooms with ceiling fans and private closets
• Flooring: Hardwood floors
• Bathrooms: Two full bathrooms (main level)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Hardwood floors throughout main living areas; Bookshelves in living room; Built-in range; Gas log (natural) fireplace
• Laundry & utility: Main-level laundry in closet

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $259k.

Deal economics

• At list price, monthly cash flow is $59 ($707/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 $205k (21.0% below list).
• Recommended offer: $205k (21.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Richland 01 (urban): math 26% / reading 36% proficiency, ranked #54 of 80 in SC (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: H. B. Rhame Elementary (math 15% / reading 20%, grade F, #512 of 597 statewide, top 86%, 446 students, 100% FRL); Columbia High (math 17% / reading 67%, grade F, #174 of 196 statewide, top 90%, 665 students, 100% FRL) — zoned schools average 100% FRL vs 64% district-wide (36 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+5.0%/yr); 146 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).
• At $2,046/mo this rent would consume 48% of the median local household income ($51k/yr) (locally 2859% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• 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 46 days — a 3% lower offer ($251k) 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, 68% 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 $204,599 (21.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.79% ✗
• Cap rate: 6.57%
• Cash-on-cash: 0.98%
• DSCR: 1.04
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 5.0% rent growth · sell at horizon

5-year hold

• IRR: -12.8%
• Equity multiple: 0.53×
• Total profit: $-34,128
• Equity at exit: $38,618

10-year hold

• IRR: -1.4%
• Equity multiple: 0.90×
• Total profit: $-7,388
• Equity at exit: $22,394

Cash invested: $72,520 (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 29210

• Home prices YoY: -32.2%
• Rents YoY: 5.0%
• Active inventory: 146
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $2,046 high
• Mortgage (P&I): −$1,358
• Tax from tax record: −$91 /mo · $1,095/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$430
• Net cashflow: $59

Break-even live

Break-even rent $1,971

Max offer price $259,000

Occupancy floor 92%

Sensitivity live

Price	-10% $206	-5% $132	+0% $59	+5% $-14	+10% $-88
Rent	-10% $-103	-5% $-22	+0% $59	+5% $140	+10% $221
Rate	-1.0pp $189	-0.5pp $125	base $59	+0.5pp $-8	+1.0pp $-76

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: $64,750
• Closing costs: $7,770
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
825 Menlo Dr Columbia, SC	1.0–4.0	1.0–2.0	1083	$1,950	$1.80	20d	3	1.15mi
1839 Hi Sierra Dr Columbia, SC	3.0	2.0	1500	$1,731	$1.15	24d	1	1.15mi
716 Old Manor Rd Unit BG0716 Columbia, SC	4.0	2.0	1496	$1,966	$1.31	24d	1	1.25mi
724 Old Manor Rd Unit BG0724 Columbia, SC	4.0	2.0	1496	$1,700	$1.14	12d	1	1.25mi
1007 Edgefield St Columbia, SC	4.0	2.5	2034	$3,000	$1.47	24d	1	1.47mi

Listing history 6 events

1. 2026-05-07
   status Pending
2. 2026-04-22
   historical Active - Contingent
3. 2026-04-12
   status Active
4. 2026-03-27
   status Pending
5. 2026-03-12
   historical Active - Contingent
6. 2026-03-06
   listed $259,000 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: $1,095 · $91/mo
• Projected year-2 tax: $1,476 · $123/mo
• Expected delta: +$381/yr (+$32/mo · 34.8%)

ⓘ 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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 68% 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: $24,552
• − Mortgage interest: −$14,508
• − Property taxes: −$1,095
• − Insurance: −$1,295
• − Repairs & maintenance: −$1,964
• − Management: −$1,964
• − Depreciation: −$7,535
• Taxable loss: −$3,809
• Est. tax savings @ 24.0%: +$914
• After-tax cash flow: $1,621/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 01
• NCES district ID: 4503360
• Math proficiency: 26% ▼ -7.00%
• Reading proficiency: 36% ▼ -5.00%
• Median HH income: $38,931
• Composite: 25.94/100
• National rank: #7335
• State rank: #54 of 80 in SC

Livability — St. Andrews

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

Census & demographics

• Census place: St. Andrews, SC
• County: Richland County · 389,530 people
• City population: 40,504
• Metro: Columbia, SC
• Population (ZIP): 39,962
• Household income: $50,871
• Rent vs Own: 63.7% rent · 36.3% own
• Severe rent burden: 2859.0

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 0.58)
• Race & ethnicity: Black 55% White 34% Two or more races 6% Hispanic / Latino 4% Asian 2%
• Common ancestry: Arab 2% Lithuanian 2% Slovak 1%
• Foreign-born: 7% · Canada
• Languages at home: 91% English-only · Spanish 3%

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: ▼ -107.61%
• Current HPI: 226.2564
• Rent YoY: ▲ 5.00%
• 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

6 events — show timeline

• 2026-05-07 Pending — Consolidated MLS
• 2026-04-22 Contingent — Consolidated MLS
• 2026-04-12 Relisted — Consolidated MLS
• 2026-03-27 Pending — Consolidated MLS
• 2026-03-12 Contingent — Consolidated MLS
• 2026-03-06 Listed $259,000 Consolidated MLS

Property tax history

+2.5%/yr

Latest (2025): $1,095 · +4.2% YoY. Source: county tax records.