7 Rosewood Ln · York, SC 29745

$198,000

3 bd · 1.0 ba · 1,048 sqft · SingleFamily public records · 94 Days on market

Built 1989 8,276 sqft lot Est $200k · at est.

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Why this score? — see what drove the C 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 +23.3/30.0
• ARV discount +8.0/15.0
• DSCR +7.5/10.0
• 1% rule +5.3/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

My oh my - check out this adorable home for under $140,000! Sitting on 0.19 acre lot with a backyard that is fenced in, you'll find this gem with over 1,000 sq ft, 3 bedrooms and 1 bath. Functional kitchen space with breakfast bar that opens to living room - you won't have to worry about missing out on family conversations during meal prep. Start your mornings off with fresh air and your morning coffee on the front, covered porch! New water filtration system has been recently installed. Don't let this one be the glimmer in someone else's eyes - call it HOME today!

Key facts

• Flexible bedrooms
• 8,276 sq ft lot
• Built 1989

Tags

• FLAT FULLY FENCED BACKYARD
• FLEXIBLE BEDROOMS

Property features AI

Finance

• HOA & community: No HOA

Exterior

• Parking: Driveway with 2 open parking spaces
• Utilities: City water; Public sewer; Cable available; Electricity connected; Publicly maintained paved concrete road
• Home design: Single family residence; Site-built construction; One story; R7 zoning
• Construction: Brick full and vinyl exterior; Crawl space foundation
• Exterior features: Front porch; Fenced backyard

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator; Plumbed for ice maker; Kitchen island; Breakfast bar; Pantry
• Bedrooms: 3 bedrooms on the main level; Ceiling fans in multiple rooms
• Flooring: Carpet; Linoleum
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Central heating (forced air); Electric heating; Central air conditioning; Ceiling fans
• Interior features: Breakfast bar; Kitchen island; Open floorplan; Pantry; Insulated windows; Insulated doors
• Laundry & utility: Washer; Dryer; Electric dryer hookup; Laundry closet in kitchen on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $198k.

Deal economics

• At list price, monthly cash flow is $363 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $198k).
• Recommended offer: $180k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 4.6% in York — 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 65/100 on livability (#139 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• York 01 (rural): math 31% / reading 40% proficiency, ranked #41 of 80 in SC (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: York Comprehensive High (math 39% / reading 82%, grade C+, #108 of 196 statewide, top 55%, 1,493 students, 68% FRL).
• Zoned-school proficiency averages 60% at this address vs 36% district-wide (+25 pts) — the actual schools serving this property are materially stronger than the York 01 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 546 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,550 units permitted in York County in 2024 (350 in 5+ unit buildings).
• This rent runs 31% of the median local income ($79k/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.
• York County population projected at +44% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($180k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $22k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $124k; list at $198k implies a 60% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 25% 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 $180,180 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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. 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: 1.03% ✓
• Cap rate: 8.49%
• Cash-on-cash: 7.85%
• DSCR: 1.35
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $200,168
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
28 Maiden Ln	0.15mi	3/1.0	1,050 (+0%)	6mo	$120,000	$114	88
12 Smith St	0.52mi	2/1.0 (-1)	1,031 (-2%)	1mo	$207,000	$201	67
402 California St	0.07mi	2/1.0 (-1)	947 (-10%)	12mo	$171,000	$181	65
103 Fleetwood Rd	0.46mi	3/2.0	1,025 (-2%)	10mo	$180,000	$176	63
700 Fine Wright Ave	0.22mi	3/1.0	1,164 (+11%)	11mo	$205,000	$176	62
518 California Cir	0.26mi	3/1.0	964 (-8%)	16mo	$198,000	$205	61
122 Lowry Row	0.42mi	2/1.0 (-1)	1,122 (+7%)	13mo	$214,000	$191	53
123 Lowry Row	0.44mi	3/1.0	962 (-8%)	20mo	$179,000	$186	49
53 Travora Cir	0.54mi	3/2.0	1,156 (+10%)	16mo	$234,900	$203	41
42 Magnolia St	0.73mi	3/2.0	1,197 (+14%)	12mo	$240,000	$201	28

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.4%
• Equity multiple: 0.84×
• Total profit: $-9,024
• Equity at exit: $29,522

10-year hold

• IRR: 5.3%
• Equity multiple: 1.39×
• Total profit: $21,706
• Equity at exit: $17,119

Cash invested: $55,440 (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 29745

• Home prices YoY: -30.3%
• Active inventory: 546
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,031 high
• Mortgage (P&I): −$1,038
• Tax from tax record: −$121 /mo · $1,450/yr
• Insurance: −$82
• HOA: −$0
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $363

Break-even live

Break-even rent $1,572

Max offer price $198,000

Occupancy floor 77%

Sensitivity live

Price	-10% $475	-5% $419	+0% $363	+5% $307	+10% $251
Rent	-10% $202	-5% $283	+0% $363	+5% $443	+10% $523
Rate	-1.0pp $463	-0.5pp $413	base $363	+0.5pp $312	+1.0pp $259

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: $49,500
• Closing costs: $5,940
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 Eaves Way York, SC	2.0–3.0	1.5–2.0	1161	$1,708	$1.47	2d	1	0.14mi
203 W Liberty St Unit 2E York, SC	2.0	1.0	700	$1,375	$1.96	3d	1	0.40mi
67 Travora Cir York, SC	2.0	2.0	832	$1,695	$2.04	19d	1	0.52mi
53 Travora Cir York, SC	3.0	2.0	1156	$1,995	$1.73	19d	1	0.54mi
204 Galilean Rd York, SC	2.0	1.0	850	$1,200	$1.41	25d	1	0.86mi

Listing history 29 events

1. 2026-06-21
   days on market $198,000 Active 94 DOM
2. 2026-06-18
   days on market $198,000 Active 91 DOM
3. 2026-06-17
   days on market $198,000 Active 90 DOM
4. 2026-06-16
   days on market $198,000 Active 89 DOM
5. 2026-06-15
   days on market $198,000 Active 88 DOM
6. 2026-06-13
   days on market $198,000 Active 86 DOM
7. 2026-06-09
   days on market $198,000 Active 82 DOM
8. 2026-06-08
   days on market $198,000 Active 81 DOM
9. 2026-06-07
   days on market $198,000 Active 80 DOM
10. 2026-06-04
    days on market $198,000 Active 77 DOM
11. 2026-06-03
    days on market $198,000 Active 76 DOM
12. 2026-06-02
    days on market $198,000 Active 75 DOM
13. 2026-06-01
    remarks 687-char remark
14. 2026-06-01
    pricedays on market $198,000 Active 74 DOM
15. 2026-05-31
    days on market $199,000 Active 73 DOM
16. 2026-05-18
    price $199,000
17. 2026-05-04
    price $200,000
18. 2026-04-21
    price $210,000
19. 2026-04-07
    price $215,000
20. 2026-03-19
    listed $220,000 Active
21. 2020-04-01
    soldstatus $124,000
22. 2020-03-31
    soldstatus $124,000 Closed 575-char remark

    Show marketing remark (575 chars)

    My oh my - check out this adorable home for under $140,000! Sitting on 0.19 acre lot with a backyard that is fenced in, you'll find this gem with over 1,000 sq ft, 3 bedrooms and 1 bath. Functional kitchen space with breakfast bar that opens to living room - you won't have to worry about missing out on family conversations during meal prep. Start your mornings off with fresh air and your morning coffee on the front, covered porch! New water filtration system has been recently installed. Don't let this one be the glimmer in someone else's eyes - call it HOME today!

23. 2020-02-21
    historical Under Contract - Show 575-char remark

    Show marketing remark (575 chars)

    My oh my - check out this adorable home for under $140,000! Sitting on 0.19 acre lot with a backyard that is fenced in, you'll find this gem with over 1,000 sq ft, 3 bedrooms and 1 bath. Functional kitchen space with breakfast bar that opens to living room - you won't have to worry about missing out on family conversations during meal prep. Start your mornings off with fresh air and your morning coffee on the front, covered porch! New water filtration system has been recently installed. Don't let this one be the glimmer in someone else's eyes - call it HOME today!

24. 2020-02-17
    price $134,200 575-char remark

    Show marketing remark (575 chars)

    My oh my - check out this adorable home for under $140,000! Sitting on 0.19 acre lot with a backyard that is fenced in, you'll find this gem with over 1,000 sq ft, 3 bedrooms and 1 bath. Functional kitchen space with breakfast bar that opens to living room - you won't have to worry about missing out on family conversations during meal prep. Start your mornings off with fresh air and your morning coffee on the front, covered porch! New water filtration system has been recently installed. Don't let this one be the glimmer in someone else's eyes - call it HOME today!

25. 2020-01-16
    listed $137,900 Active 575-char remark

    Show marketing remark (575 chars)

    My oh my - check out this adorable home for under $140,000! Sitting on 0.19 acre lot with a backyard that is fenced in, you'll find this gem with over 1,000 sq ft, 3 bedrooms and 1 bath. Functional kitchen space with breakfast bar that opens to living room - you won't have to worry about missing out on family conversations during meal prep. Start your mornings off with fresh air and your morning coffee on the front, covered porch! New water filtration system has been recently installed. Don't let this one be the glimmer in someone else's eyes - call it HOME today!

26. 2019-05-10
    soldstatus $121,000 Closed 208-char remark

    Show marketing remark (208 chars)

    Cute ranch style home convenient to downtown York, close to schools and shopping. Move-in ready with new paint, appliances and floor coverings. Fenced yard and so much more. USDA financing eligible property!

27. 2019-04-24
    status Under Contract - No Show 208-char remark

    Show marketing remark (208 chars)

    Cute ranch style home convenient to downtown York, close to schools and shopping. Move-in ready with new paint, appliances and floor coverings. Fenced yard and so much more. USDA financing eligible property!

28. 2019-04-23
    listed $119,000 Active 208-char remark

    Show marketing remark (208 chars)

    Cute ranch style home convenient to downtown York, close to schools and shopping. Move-in ready with new paint, appliances and floor coverings. Fenced yard and so much more. USDA financing eligible property!

29. 1989-06-09
    soldstatus $45,000

ⓘ 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: $1,450 · $121/mo
• Projected year-2 tax: $1,450 · $121/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 ≥104°F today · 16 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 25% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,372
• − Mortgage interest: −$11,091
• − Property taxes: −$1,450
• − Insurance: −$990
• − Repairs & maintenance: −$1,950
• − Management: −$1,950
• − Depreciation: −$5,760
• Taxable income: $1,181
• Est. tax owed @ 24.0%: −$284
• After-tax cash flow: $4,070/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: York 01
• NCES district ID: 4503810
• Math proficiency: 31% ▼ -16.00%
• Reading proficiency: 40% ▬ 0.00%
• Median HH income: $44,491
• Composite: 30.21/100
• National rank: #6305
• State rank: #41 of 80 in SC

Livability — York

• Score: 65/100
• State rank: #139
• US rank: #13425

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: York, SC
• County: York County · 281,758 people
• City population: 34,909
• Metro: Charlotte-Concord-Gastonia, NC-SC
• Population (ZIP): 34,909
• Household income: $79,117
• Rent vs Own: 16.1% rent · 83.9% own
• Severe rent burden: 321.0

Population outlook (York County) Hauer SSP2

• Today (2025): 307,757 people
• By 2030: 335,979 · +9.2%
• By 2040: 391,378 · +27.2%
• By 2050: 443,234 · +44.0%
• By 2075: 557,102 · +81.0%
• By 2100: 625,837 · +103.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 12% Two or more races 6% Hispanic / Latino 6% Asian 1%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Romanian 3% Serbian 3% Italian 2%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4%

Political lean MEDSL · York

• 2024 margin: R (+19.1) · D 39.7% · R 58.8% · Other 1.5%
• 2008→2024 swing: -1.4pp toward R · 2008: -17.7pp · 2024: -19.1pp
• All cycles: 2024: R+19.1 2020: R+16.5 2016: R+22.1 2012: R+20.5 2008: R+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -109.42%
• Current HPI: 251.6848
• Rent YoY: —
• Metro: Charlotte-Concord-Gastonia, NC-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

+342.2% since first listed

14 events — show timeline

• 2026-05-18 Price Changed $199,000 CANOPYMLS as Distributed by MLS Grid
• 2026-05-04 Price Changed $200,000 CANOPYMLS as Distributed by MLS Grid
• 2026-04-21 Price Changed $210,000 CANOPYMLS as Distributed by MLS Grid
• 2026-04-07 Price Changed $215,000 CANOPYMLS as Distributed by MLS Grid
• 2026-03-19 Listed $220,000 CANOPYMLS as Distributed by MLS Grid
• 2020-04-01 Sold (Public Records) $124,000 Public Records
• 2020-03-31 Sold (MLS) $124,000 CANOPYMLS as Distributed by MLS Grid
• 2020-02-21 Contingent — CANOPYMLS as Distributed by MLS Grid
• 2020-02-17 Price Changed $134,200 CANOPYMLS as Distributed by MLS Grid
• 2020-01-16 Listed $137,900 CANOPYMLS as Distributed by MLS Grid
• 2019-05-10 Sold (MLS) $121,000 CANOPYMLS as Distributed by MLS Grid
• 2019-04-24 Pending — CANOPYMLS as Distributed by MLS Grid
• 2019-04-23 Listed $119,000 CANOPYMLS as Distributed by MLS Grid
• 1989-06-09 Sold (Public Records) $45,000 Public Records

Property tax history

+6.4%/yr

Latest (2025): $1,450 · +15.8% YoY. Source: county tax records.