125 Aiken St · Springfield, SC 29146

$214,900

3 bd · 1.0 ba · 1,332 sqft · SingleFamily public records · 2 Days on market

Built 1975 0.51 ac lot Est $181k · 19% over

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Why this score? — see what drove the F 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 +9.0/30.0
• Appreciation +7.3/10.0
• Schools +5.0/10.0
• Livability +2.7/5.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Welcome to 125 Aiken Street—your peaceful, quiet retreat in the heart of Springfield, SC. This beautifully renovated 2-bedroom, 2-bath home blends modern upgrades with small-town charm, offering comfort, privacy, and effortless living. Step inside to find refinished original hardwood floors, a bright open layout, and a completely updated interior. Nearly every major component is brand new, including: New roof New plumbing New electrical New HVAC system New insulation New appliances The home also features a spacious indoor laundry room, which could easily be converted into a third bedroom, office, or flex space to suit your needs. Situated on a generous lot near the local fire station, this home offers convenience with the added benefit of a quiet, peaceful setting. Whether you’re enjoying the wide open yard, relaxing on the porch, or taking in the calm of small-town living, this property delivers the serenity you’ve been looking for. Move-in ready, fully updated, and filled with charm—125 Aiken Street is the perfect place to call home. Please contact the owner Gary Suber at 803-904-0629 for more information or for a showing today!

Key facts

• Small town charm
• Move in ready
• 0.51 acre lot

Tags

• APPROXIMATELY HALF AN ACRE
• MOVE IN READY
• SMALL TOWN CHARM

Property features AI

Exterior

• Parking: Attached carport with 2 parking spaces (2-car capacity)
• Utilities: Public water; Public sewer
• Home design: Single-story home
• Construction: Brick exterior above foundation; Crawlspace foundation
• Exterior features: Covered front porch; Covered back porch; Paved road access

Interior

• Kitchen: Painted cabinets; Luxury vinyl plank flooring; Refrigerator
• Bedrooms: Master bedroom on main level with private bath, tub/shower, and private closet; Second bedroom on main level with shared bath, tub/shower, and private closet
• Flooring: Hardwood floors in living room, formal dining room, and bedrooms; Luxury vinyl plank in kitchen
• Bathrooms: Two full bathrooms (includes two main full baths)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Hardwood floors in living areas and formal dining room; Painted kitchen cabinets; Luxury vinyl plank flooring in kitchen; Refrigerator included
• Laundry & utility: Main-level utility room for laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $-168 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $185k (13.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $149k (30.7% below list).
• Recommended offer: $149k (30.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 53/100 on livability (#339 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Zoned schools: Hunter-Kinard-Tyler Elementary (math 24%, 208 students, 100% FRL); Hunter-Kinard-Tyler High (210 students, 100% FRL).
• Market conditions: 15 active listings in the ZIP; 87 units permitted in Orangeburg County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($1k loan paydown + $10k appreciation (4.6% local appreciation)).
• Orangeburg County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 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.
• Current owner paid $75k; list at $215k implies a 187% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $148,862 (30.7% 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. Built in 1975 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.69% ✗
• Cap rate: 5.36%
• Cash-on-cash: -3.35%
• DSCR: 0.85
• GRM: 12.0

CMA / ARV

• ARV (on-the-fly): $181,152
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3607 Surrey Race Rd	0.39mi	3/1.0	1,494 (+12%)	17mo	$203,000	$136	47

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.56% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.9%
• Equity multiple: 1.56×
• Total profit: $33,403
• Equity at exit: $116,066

10-year hold

• IRR: 10.7%
• Equity multiple: 2.87×
• Total profit: $112,812
• Equity at exit: $195,740

Cash invested: $60,172 (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 29146

• Home prices YoY: 4.1%
• Active inventory: 15
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,489 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$127 /mo · $1,528/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $-168

Break-even live

Break-even rent $1,701

Max offer price $185,246

Occupancy floor —

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: $53,725
• Closing costs: $6,447
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-19
   days on market $214,900 Active 2 DOM
2. 2026-06-17
   remarks 698-char remark
3. 2026-06-17
   pricedays on marketlisting id $214,900 Active 1 DOM
4. 2026-06-16
   days on market $235,000 Active 183 DOM
5. 2026-06-15
   days on market $235,000 Active 182 DOM
6. 2026-06-14
   days on market $235,000 Active 180 DOM
7. 2026-06-12
   days on market $235,000 Active 179 DOM
8. 2026-06-09
   days on market $235,000 Active 176 DOM
9. 2026-06-08
   days on market $235,000 Active 175 DOM
10. 2026-06-07
    days on market $235,000 Active 174 DOM
11. 2026-06-07
    days on market $235,000 Active 173 DOM
12. 2026-06-04
    days on market $235,000 Active 170 DOM
13. 2026-06-03
    remarks 695-char remark
14. 2026-06-03
    pricedays on marketlisting id $235,000 Active 169 DOM
15. 2026-06-02
    days on market $219,000 Active 106 DOM
16. 2026-06-01
    days on market $219,000 Active 105 DOM
17. 2026-05-31
    days on market $219,000 Active 104 DOM
18. 2026-05-31
    days on market $219,000 Active 103 DOM
19. 2026-03-27
    price $219,000
20. 2026-02-25
    listed $225,000 Active
21. 2026-02-16
    listed $225,000 Active
22. 2025-12-11
    listed $235,000 Active 1179-char remark

    Show marketing remark (1179 chars)

    Welcome to 125 Aiken Street—your peaceful, quiet retreat in the heart of Springfield, SC. This beautifully renovated 2-bedroom, 2-bath home blends modern upgrades with small-town charm, offering comfort, privacy, and effortless living. Step inside to find refinished original hardwood floors, a bright open layout, and a completely updated interior. Nearly every major component is brand new, including: New roof New plumbing New electrical New HVAC system New insulation New appliances The home also features a spacious indoor laundry room, which could easily be converted into a third bedroom, office, or flex space to suit your needs. Situated on a generous lot near the local fire station, this home offers convenience with the added benefit of a quiet, peaceful setting. Whether you’re enjoying the wide open yard, relaxing on the porch, or taking in the calm of small-town living, this property delivers the serenity you’ve been looking for. Move-in ready, fully updated, and filled with charm—125 Aiken Street is the perfect place to call home. Please contact the owner Gary Suber at 803-904-0629 for more information or for a showing today!

23. 2024-09-20
    soldstatus $75,000

ⓘ 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: $1,528 · $127/mo
• Projected year-2 tax: $1,528 · $127/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 7/10 Severe 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% 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: $17,863
• − Mortgage interest: −$12,038
• − Property taxes: −$1,528
• − Insurance: −$1,074
• − Repairs & maintenance: −$1,429
• − Management: −$1,429
• − Depreciation: −$6,252
• Taxable loss: −$5,887
• Est. tax savings @ 24.0%: +$1,413
• After-tax cash flow: $-601/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)

No district data.

Livability — Springfield

• Score: 53/100
• State rank: #339
• US rank: #24503

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Springfield, SC
• Population (ZIP): 1,295

Population outlook (Orangeburg County) Hauer SSP2

• Today (2025): 82,698 people
• By 2030: 78,615 · -4.9%
• By 2040: 69,308 · -16.2%
• By 2050: 60,629 · -26.7%
• By 2075: 42,678 · -48.4%
• By 2100: 28,136 · -66.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (67%)
• Race & ethnicity: Black 67% White 32%
• Common ancestry: Lithuanian 1%

Political lean MEDSL · Orangeburg

• 2024 margin: Strong D (+24.6) · D 61.8% · R 37.2% · Other 1.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 38.1pp · 2024: 24.6pp
• All cycles: 2024: D+24.6 2020: D+33.2 2016: D+37.0 2012: D+43.5 2008: D+38.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.56%
• Current HPI: 116.4772
• Rent YoY: —
• Metro: —
• 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

+192.0% since first listed

5 events — show timeline

• 2026-03-27 Price Changed $219,000 Consolidated MLS
• 2026-02-25 Listed $225,000 Charleston Trident MLS
• 2026-02-16 Listed $225,000 Consolidated MLS
• 2025-12-11 Listed $235,000 Fizber.com
• 2024-09-20 Sold (Public Records) $75,000 Public Records

Property tax history

+1.9%/yr

Latest (2024): $1,528 · +14.0% YoY. Source: county tax records.