543 Walking Ln · White Knoll, SC 29073

$305,000

4 bd · 2.5 ba · 2,058 sqft · SingleFamily public records · 47 Days on market

Built 2018 6,098 sqft lot $31/mo HOA · 1% of rent

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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 +12.5/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• DSCR +3.7/10.0
• Rent growth +3.3/5.0
• 1% rule +2.5/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Price Improvement on this move-in ready home, loaded with upgrades, this Green Smart home offers designer finishes, a cozy stone-framed fireplace, and a fenced backyard — all minutes from I-20, shopping, and award-winning schools. This Lexington home has upgraded interiors and qualifies for USDA financing. Experience refined living in this exquisitely maintained 4-bedroom Green-Smart home, enhanced with new LVP flooring and a brand-new dishwasher. The main level features luxury tile flooring and a striking stone accent wall that elevates the living space. The open kitchen offers granite countertops, tiled backsplash, built-in speakers, and an entertainer’s island. Upstairs, the

Key facts

• Stone accent wall
• Green-smart home
• Tiled backsplash

Tags

• GREEN-SMART HOME
• NEW LVP FLOORING
• STONE ACCENT WALL
• GRANITE COUNTERTOPS
• TILED BACKSPLASH
• BUILT-IN SPEAKERS

Property features AI

Finance

• HOA & community: Homeowners association with pool included in association fees; Community pool available; Cable TV available

Exterior

• Parking: Attached garage with 2 parking spaces
• Security: Owned security system
• Utilities: Public sewer; Public water; Energy Star features
• Home design: Two-story single family home; Slab foundation
• Construction: Vinyl siding; Slab foundation
• Exterior features: Covered front porch; Vinyl exterior; Paved road access; Public water

Interior

• Kitchen: Eat-in kitchen with island; Pantry; Granite countertops; Stained wood cabinets; Tiled floor and tiled backsplash; Recessed lighting; Free-standing smooth-surface range
• Bedrooms: Master suite with garden tub, separate shower, private water closet, his-and-hers closets, tray ceilings, ceiling fan, and private closet (Second level); Bedrooms 2–4 each with walk-in closet, ceiling fan, private closet and shared bath with tub/shower (Second level)
• Flooring: Engineered hardwood flooring in master bedroom; Luxury vinyl plank flooring in bedrooms 2–4; Tile flooring in portions of living areas and kitchen; Other resilient flooring in some areas
• Bathrooms: Two full bathrooms; One half bathroom; Two additional full secondary bathrooms (configured as 2nd baths)
• Heating & cooling: Central heating; Central air conditioning; Gas-log fireplace (one)
• Interior features: Ceiling fans throughout; Garage door opener; Owned security system; Smoke detectors; Pull-down attic access; Recessed lighting; Molding; Tile and other durable flooring in living areas
• Laundry & utility: Laundry in heated utility room (Washer/Dryer located on Second level); Washer and dryer included; Icemaker; Disposal; Tankless water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $305k.

Deal economics

• At list price, monthly cash flow is $-46 ($-547/yr) — negative.
• To cash-flow at today's rent, offer at most $297k (2.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $229k (24.9% below list).
• Recommended offer: $229k (24.9% 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.
• Lexington 01 (suburban): math 42% / reading 53% proficiency, ranked #11 of 80 in SC (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Carolina Springs Elementary (math 34% / reading 34%, grade F, #359 of 597 statewide, top 60%, 850 students, 41% FRL); White Knoll High (math 47% / reading 85%, grade B, #81 of 196 statewide, top 42%, 2,204 students, 45% FRL).
• Market conditions: Rents rising (+3.2%/yr); 564 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,712 units permitted in Lexington County in 2024 (0 in 5+ unit buildings).
• This rent runs 36% of the median local income ($77k/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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Lexington County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($296k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago 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, 67% chance of damaging wind over 30y; moderate 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 $229,157 (24.9% 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 47 days. Have you received any prior offers? Is the seller open to a 25% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.75% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.64%
• DSCR: 0.97
• GRM: 11.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.24% rent growth · sell at horizon

5-year hold

• IRR: -17.2%
• Equity multiple: 0.39×
• Total profit: $-51,894
• Equity at exit: $45,476

10-year hold

• IRR: -8.8%
• Equity multiple: 0.45×
• Total profit: $-47,130
• Equity at exit: $26,371

Cash invested: $85,400 (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.

Methodology + full state rankings →

ZIP-level market 29073

• Home prices YoY: -19.1%
• Rents YoY: 3.2%
• Active inventory: 564
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,292 high
• Mortgage (P&I): −$1,599
• Tax from tax record: −$98 /mo · $1,181/yr
• Insurance: −$127
• HOA: −$31
• Vacancy / Maint / Mgmt: −$481
• Net cashflow: $-46

Break-even live

Break-even rent $2,349

Max offer price $296,942

Occupancy floor 97%

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: $76,250
• Closing costs: $9,150
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
473 Walking Ln Lexington, SC	3.0	2.5	1835	$2,100	$1.14	23d	1	0.12mi
432 Cape Jasmine Way Lexington, SC	4.0	2.5	1600	$2,049	$1.28	3d	1	0.26mi
307 Savannah Hills Dr Lexington, SC	3.0	2.5	1612	$1,985	$1.23	23d	1	0.32mi
2237 Trakand Dr Lexington, SC	3.0	2.5	1962	$1,975	$1.01	2d	1	0.41mi
237 Tea Olive Ave Lexington, SC	3.0	2.5	2448	$2,099	$0.86	21d	1	0.71mi

HOA detail

• Monthly dues: $31 · $372/yr

Listing history 23 events

1. 2026-06-18
   days on market $305,000 Active 47 DOM
2. 2026-06-17
   days on market $305,000 Active 46 DOM
3. 2026-06-16
   days on market $305,000 Active 45 DOM
4. 2026-06-15
   days on market $305,000 Active 44 DOM
5. 2026-06-14
   days on market $305,000 Active 42 DOM
6. 2026-06-10
   days on market $305,000 Active 39 DOM
7. 2026-06-09
   days on market $305,000 Active 38 DOM
8. 2026-06-09
   price $305,000 Active 37 DOM
9. 2026-06-08
   days on market $312,000 Active 37 DOM
10. 2026-06-07
    days on market $312,000 Active 36 DOM
11. 2026-06-03
    days on market $312,000 Active 32 DOM
12. 2026-06-03
    days on market $312,000 Active 31 DOM
13. 2026-06-02
    days on market $312,000 Active 30 DOM
14. 2026-05-31
    days on market $312,000 Active 29 DOM
15. 2026-05-23
    price $312,000
16. 2026-05-15
    price $316,995
17. 2026-05-02
    listed $317,000 Active
18. 2024-02-20
    soldstatus $280,000
19. 2024-01-30
    status Pending
20. 2024-01-15
    historical Active - Contingent
21. 2024-01-08
    listed $285,000 Active
22. 2023-10-13
    price $285,000
23. 2023-10-09
    listed $295,000 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: $1,181 · $98/mo
• Projected year-2 tax: $1,738 · $145/mo
• Expected delta: +$558/yr (+$46/mo · 47.2%)

ⓘ 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 5/10 Major
• 🌡 Heat 7/10 Severe 7 d/yr ≥107°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 67% 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: $27,499
• − Mortgage interest: −$17,085
• − Property taxes: −$1,181
• − Insurance: −$1,525
• − Repairs & maintenance: −$2,200
• − Management: −$2,200
• − HOA: −$372
• − Depreciation: −$8,873
• Taxable loss: −$5,936
• Est. tax savings @ 24.0%: +$1,425
• After-tax cash flow: $877/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: Lexington 01
• NCES district ID: 4502700
• Math proficiency: 42% ▼ -12.00%
• Reading proficiency: 53% ▼ -2.00%
• Median HH income: $61,298
• Composite: 41.75/100
• National rank: #3399
• State rank: #11 of 80 in SC

Livability — White Knoll

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

Census & demographics

• Census place: White Knoll, SC
• County: Lexington County · 232,571 people
• City population: 51,471
• Metro: Columbia, SC
• Population (ZIP): 53,156
• Household income: $77,229
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 935.0

Population outlook (Lexington County) Hauer SSP2

• Today (2025): 322,999 people
• By 2030: 342,356 · +6.0%
• By 2040: 377,715 · +16.9%
• By 2050: 406,984 · +26.0%
• By 2075: 465,447 · +44.1%
• By 2100: 485,674 · +50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 14% Two or more races 7% Hispanic / Latino 6% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Romanian 3% Italian 2% Slovak 1%
• Foreign-born: 4% · Canada, China
• Languages at home: 93% English-only · Spanish 5% Other Indo-European 1%

Political lean MEDSL · Lexington

• 2024 margin: Solid R (+33.5) · D 32.5% · R 66.0% · Other 1.4%
• 2008→2024 swing: +4.6pp toward D · 2008: -38.0pp · 2024: -33.5pp
• All cycles: 2024: R+33.5 2020: R+30.1 2016: R+36.7 2012: R+37.8 2008: R+38.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -59.20%
• Current HPI: 249.8957
• Rent YoY: ▲ 3.24%
• 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

+5.8% since first listed

9 events — show timeline

• 2026-05-23 Price Changed $312,000 Consolidated MLS
• 2026-05-15 Price Changed $316,995 Consolidated MLS
• 2026-05-02 Listed $317,000 Consolidated MLS
• 2024-02-20 Sold (Public Records) $280,000 Public Records
• 2024-01-30 Pending — Consolidated MLS
• 2024-01-15 Contingent — Consolidated MLS
• 2024-01-08 Listed $285,000 Consolidated MLS
• 2023-10-13 Price Changed $285,000 Consolidated MLS
• 2023-10-09 Listed $295,000 Consolidated MLS

Property tax history

+45.1%/yr

Latest (2024): $1,181 · +4.4% YoY. Source: county tax records.