528 Wimbledon Ct · St. Andrews, SC 29210

$64,500

2 bd · 2.0 ba · 768 sqft · Condo public records · 97 Days on market

Built 1972 $225/mo HOA · 19% of rent

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Why this score? — see what drove the B- 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 +29.5/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +3.8/5.0
• Schools +2.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Step inside to this second floor, one bedroom condo with new LVP flooring, adding a fresh and modern feel. The layout provides comfortable living space with room to relax or entertain. This home is move in ready with an added convenience of a refrigerator, washer and dryer to convey. Whether you are an investor, first time home owner, downsizing or looking for low-maintenance living, this condo provides comfort, simplicity and great value. Located near major interstate access, shopping and dining, this home is ready for a new chapter. Make an appointment with our team and visit today. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.

Key facts

• New lvp flooring
• Move in ready
• Shopping and dining

Tags

• NEW LVP FLOORING
• MOVE IN READY
• REFRIGERATOR WASHER AND DRYER
• MAJOR INTERSTATE ACCESS
• SHOPPING AND DINING

Property features AI

Finance

• HOA & community: Community association present; Association covers common area maintenance, exterior maintenance, landscaping, trash, water, and pest control

Exterior

• Parking: Two parking spaces
• Utilities: Public water; Public sewer
• Home design: Brick exterior above foundation
• Construction: Slab foundation
• Exterior features: Covered front porch; Community pool

Interior

• Kitchen: Galley kitchen with painted cabinets and Formica countertops; Ceiling fan in kitchen; Smooth-surface range; Refrigerator included
• Bedrooms: Main-level primary bedroom with separate shower and walk-in closet; Primary bedroom has a shared bath and luxury vinyl plank floors
• Flooring: Luxury vinyl plank flooring in living areas and primary bedroom
• Bathrooms: One full bathroom on the main level; Total of one full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans throughout; Attic access
• Laundry & utility: Laundry located in a closet; Washer and dryer included; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $64k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $64k).
• Recommended offer: $59k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — 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); 145 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 3,472 units permitted in Richland County in 2024 (1,096 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $446 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 5.0% rent growth), your $18k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($59k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 5y 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.

Recommended offer $58,695 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.81% ✓
• Cap rate: 10.59%
• Cash-on-cash: 15.33%
• DSCR: 1.68
• GRM: 4.6

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: 9.3%
• Equity multiple: 1.38×
• Total profit: $6,806
• Equity at exit: $9,617

10-year hold

• IRR: 20.7%
• Equity multiple: 2.98×
• Total profit: $35,773
• Equity at exit: $5,577

Cash invested: $18,060 (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: 145
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $1,167 high
• Mortgage (P&I): −$338
• Tax from tax record: −$101 /mo · $1,215/yr
• Insurance: −$27
• HOA: −$225
• Vacancy / Maint / Mgmt: −$245
• Net cashflow: $231

Break-even live

Break-even rent $875

Max offer price $64,500

Occupancy floor 75%

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: $16,125
• Closing costs: $1,935
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
313 Cambout St Columbia, SC	2.0	2.0	1100	$1,450	$1.32	23d	1	0.15mi
1800 Longcreek Dr Columbia, SC	1.0–3.0	1.0–2.0	986	$900	$0.91	11d	62	0.19mi
1601 Longcreek Dr Columbia, SC	1.0–2.0	1.0–2.0	706	$1,051	$1.49	14d	51	0.19mi
1401 Longcreek Dr Columbia, SC	1.0–3.0	1.0–2.0	1000	$1,116	$1.12	14d	9	0.34mi
1340 Longcreek Dr Columbia, SC	1.0–2.0	1.0–2.0	875	$1,180	$1.35	11d	25	0.39mi
4501 Bentley Dr Columbia, SC	1.0–3.0	1.0–2.0	946	$1,328	$1.40	11d	18	0.73mi
1725 Kathleen Dr Unit B Columbia, SC	2.0	2.0	1100	$1,275	$1.16	23d	1	0.92mi
825 Menlo Dr Columbia, SC	1.0–4.0	1.0–2.0	1083	$1,300	$1.20	19d	3	1.10mi
324 Menlo Dr Unit BG0324 Columbia, SC	2.0	1.0	912	$1,175	$1.29	14d	1	1.11mi
1218 Old Manor Rd Columbia, SC	1.0	1.0	672	$825	$1.23	23d	1	1.13mi
416 Old Manor Rd Unit BG416 Columbia, SC	1.0	1.0	678	$1,000	$1.47	23d	1	1.14mi
414 Old Manor Rd Unit BG414 Columbia, SC	1.0	1.0	672	$1,000	$1.49	23d	1	1.14mi
1018 Old Manor Rd Unit BG1018 Columbia, SC	1.0	1.0	672	$1,075	$1.60	23d	1	1.19mi
921 Old Manor Rd Unit BG0921 Columbia, SC	2.0	1.0	912	$1,100	$1.21	23d	1	1.20mi
2218 Apple Valley Rd Columbia, SC	3.0	1.0	972	$1,295	$1.33	23d	1	1.24mi
2218 Apple Valley Rd Apt B Columbia, SC	2.0	1.0	900	$995	$1.11	23d	1	1.24mi
3900 Bentley Dr Columbia, SC	1.0–2.0	1.0–2.0	873	$1,330	$1.52	11d	40	1.25mi
100 Bryton Trce Columbia, SC	2.0	1.0–2.0	950	$1,215	$1.28	21d	4	1.29mi
2025 Apple Valley Rd Unit B Columbia, SC	2.0	1.0	842	$925	$1.10	23d	1	1.36mi
200 Saluda River Rd Columbia, SC	1.0–2.0	1.0–1.5	900	$1,120	$1.24	11d	8	1.41mi
716 Zimalcrest Dr Columbia, SC	2.0	1.0–2.0	634	$1,224	$1.93	11d	24	1.43mi

HOA detail condo

• Monthly dues: $225 · $2,700/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 39 events

1. 2026-06-18
   days on market $64,500 Active 97 DOM
2. 2026-06-17
   days on market $64,500 Active 96 DOM
3. 2026-06-16
   days on market $64,500 Active 95 DOM
4. 2026-06-15
   days on market $64,500 Active 94 DOM
5. 2026-06-14
   days on market $64,500 Active 92 DOM
6. 2026-06-10
   days on market $64,500 Active 89 DOM
7. 2026-06-09
   days on market $64,500 Active 88 DOM
8. 2026-06-08
   days on market $64,500 Active 87 DOM
9. 2026-06-07
   days on market $64,500 Active 86 DOM
10. 2026-06-03
    days on market $64,500 Active 82 DOM
11. 2026-06-03
    days on market $64,500 Active 81 DOM
12. 2026-06-01
    days on market $64,500 Active 80 DOM
13. 2026-05-31
    days on market $64,500 Active 79 DOM
14. 2026-04-18
    price $64,500
15. 2026-03-13
    listed $65,000 Active
16. 2025-08-06
    price $68,000
17. 2025-07-23
    price $70,000
18. 2025-07-08
    price $72,500
19. 2025-06-06
    listed $75,000 Active
20. 2025-03-04
    soldstatus $70,000
21. 2025-02-02
    historical $900
22. 2025-01-31
    status Pending
23. 2025-01-16
    historical Active - Contingent
24. 2025-01-07
    price $900
25. 2024-12-10
    listed $950
26. 2024-09-19
    listed $70,000 Active
27. 2022-07-28
    price $885
28. 2022-05-13
    soldstatus $60,000
29. 2022-05-02
    historical
30. 2022-04-25
    status Active
31. 2022-04-13
    historical
32. 2022-04-08
    status Active
33. 2022-04-06
    historical
34. 2022-03-31
    listed $65,000 Active
35. 2021-12-22
    soldstatus $47,700
36. 2021-12-07
    historical
37. 2021-12-03
    listed $47,700 Active
38. 1998-12-03
    soldstatus $33,100
39. 1991-06-12
    soldstatus $28,900

ⓘ 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: $1,215 · $101/mo
• Projected year-2 tax: $1,215 · $101/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $14,006
• − Mortgage interest: −$3,613
• − Property taxes: −$1,215
• − Insurance: −$322
• − Repairs & maintenance: −$1,121
• − Management: −$1,121
• − HOA: −$2,700
• − Depreciation: −$1,876
• Taxable income: $2,038
• Est. tax owed @ 24.0%: −$489
• After-tax cash flow: $2,279/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

+123.2% since first listed

26 events — show timeline

• 2026-04-18 Price Changed $64,500 Consolidated MLS
• 2026-03-13 Listed $65,000 Consolidated MLS
• 2025-08-06 Price Changed $68,000 Consolidated MLS
• 2025-07-23 Price Changed $70,000 Consolidated MLS
• 2025-07-08 Price Changed $72,500 Consolidated MLS
• 2025-06-06 Listed $75,000 Consolidated MLS
• 2025-03-04 Sold (Public Records) $70,000 Public Records
• 2025-02-02 Rental Removed $900 APPFOLIO
• 2025-01-31 Pending — Consolidated MLS
• 2025-01-16 Contingent — Consolidated MLS
• 2025-01-07 Price Changed $900 APPFOLIO
• 2024-12-10 Listed for Rent $950 APPFOLIO
• 2024-09-19 Listed $70,000 Consolidated MLS
• 2022-07-28 Price Changed $885 RENT.
• 2022-05-13 Sold (Public Records) $60,000 Public Records
• 2022-05-02 Delisted — Consolidated MLS
• 2022-04-25 Relisted — Consolidated MLS
• 2022-04-13 Delisted — Consolidated MLS
• 2022-04-08 Relisted — Consolidated MLS
• 2022-04-06 Delisted — Consolidated MLS
• 2022-03-31 Listed $65,000 Consolidated MLS
• 2021-12-22 Sold (Public Records) $47,700 Public Records
• 2021-12-07 Delisted — Consolidated MLS
• 2021-12-03 Listed $47,700 Consolidated MLS
• 1998-12-03 Sold (Public Records) $33,100 Public Records
• 1991-06-12 Sold (Public Records) $28,900 Public Records

Property tax history

-1.6%/yr

Latest (2025): $1,215 · +2.4% YoY. Source: county tax records.