136 Oxford Rd · Spartanburg, SC 29301

$90,000

3 bd · 1.0 ba · 1,136 sqft · SingleFamily public records · 27 Days on market

Built 1948 6,969 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Rent growth +1.8/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Calling All Investors! Don’t miss this incredible opportunity to own a 3-bedroom, 1-bath home located right in the heart of Spartanburg! Whether you're looking to expand your investment portfolio, renovate and resell, or create long-term rental income, this property offers endless potential. Conveniently located near shopping, dining, schools, and major roadways, this home is perfectly positioned for future value and growth. Being sold AS-IS, this property is ideal for investors, builders, or buyers ready to bring their vision to life. Opportunities like this don’t last long — schedule your showing today and unlock the potential of this Spartanburg investment property!

Key facts

• 6,969 sq ft lot
• Garage
• Listed 27 days

Property features AI

Finance

• HOA & community: No HOA fees

Exterior

• Parking: Driveway parking; Gravel driveway
• Utilities: Public water available; Electric water heater; Public sewer available; Public garbage pickup
• Home design: Single-story with basement; Property is older (50+ years); Lead-based paint disclosure required; Residential property disclosure required
• Construction: Brick veneer (full) exterior; Composition shingle roof; Crawl space foundation
• Exterior features: Front porch; Other exterior features (see remarks); Corner lot; Level lot

Interior

• Kitchen: Kitchen approx. 15 x 15
• Bedrooms: 3 bedrooms on the main level; Primary bedroom on main level with multiple closets (approx. 15 x 25); Second bedroom approx. 12 x 15; Third bedroom approx. 12 x 8
• Flooring: Hardwood floors
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Heating: other (see remarks); Cooling: other (see remarks)
• Interior features: Smooth ceilings; Laminate countertops; Hardwood floors; No fireplace
• Laundry & utility: Laundry on the first floor; No appliances listed

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $474 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $89k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 76/100 on livability (#24 in SC, #3,679 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Spartanburg 07 (urban): math 34% / reading 41% proficiency, ranked #39 of 80 in SC (top 49%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: The Cleveland Academy of Leadership (math 28% / reading 22%, grade F, #447 of 597 statewide, top 76%, 463 students, 100% FRL) — zoned schools average 100% FRL vs 62% district-wide (38 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 25% at this address vs 38% district-wide (-12 pts) — the specific schools serving this property underperform the Spartanburg 07 average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.6%/yr); 466 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 3,129 units permitted in Spartanburg County in 2024 (40 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Spartanburg County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $25k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 24y 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.
• Current owner paid $51k; list at $90k implies a 76% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood 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 $88,650 (1.5% below list)

Questions for the listing agent

1. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.61% ✓
• Cap rate: 13.36%
• Cash-on-cash: 25.23%
• DSCR: 2.12
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $199,936
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
308 Hillandale Rd	0.45mi	3/1.5	1,170 (+3%)	5mo	$140,000	$120	68
439 Zephyr St	0.35mi	3/2.0	1,191 (+5%)	6mo	$215,000	$181	67
467 Breeze St	0.40mi	3/2.0	1,200 (+6%)	2mo	$190,000	$158	66
631 S Center St	0.58mi	3/2.0	1,174 (+3%)	1mo	$199,000	$170	62
133 Marlboro Rd	0.25mi	2/1.0 (-1)	1,266 (+11%)	3mo	$92,000	$73	62
300 Farley St	0.64mi	3/2.0	1,153 (+2%)	3mo	$203,000	$176	61
583 Humphrey St	0.45mi	3/2.0	1,220 (+7%)	1mo	$225,000	$184	61
105 Westmoreland St	0.45mi	3/1.0	988 (-13%)	2mo	$177,000	$179	56
211 Edenbridge Ln	0.68mi	3/1.0	1,050 (-8%)	2mo	$189,000	$180	54
651 S Center St	0.62mi	3/2.0	1,242 (+9%)	3mo	$225,000	$181	49
656 S Center St	0.71mi	3/1.0	975 (-14%)	0mo	$60,000	$62	43
122 Raintree Dr	0.68mi	3/1.0	1,300 (+14%)	2mo	$162,000	$125	43

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 11.9%
• Equity multiple: 1.45×
• Total profit: $11,427
• Equity at exit: $13,419

10-year hold

• IRR: 18.2%
• Equity multiple: 2.30×
• Total profit: $32,641
• Equity at exit: $7,782

Cash invested: $25,200 (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 29301

• Home prices YoY: -25.3%
• Rents YoY: -2.6%
• Active inventory: 466
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,449 high
• Mortgage (P&I): −$472
• Tax from tax record: −$106 /mo · $1,268/yr
• Insurance: −$38
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $474

Break-even live

Break-even rent $849

Max offer price $90,000

Occupancy floor 62%

Sensitivity live

Price	-10% $525	-5% $500	+0% $474	+5% $449	+10% $423
Rent	-10% $360	-5% $417	+0% $474	+5% $532	+10% $589
Rate	-1.0pp $520	-0.5pp $497	base $474	+0.5pp $451	+1.0pp $427

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
458 Arch St Spartanburg, SC	4.0	1.5	1380	$1,325	$0.96	22d	1	0.44mi
488 Brawley St Unit B Spartanburg, SC	3.0	2.5	1200	$1,300	$1.08	14d	1	0.56mi
334 W Hampton Ave Unit 1 Spartanburg, SC	2.0	1.0	895	$1,100	$1.23	22d	1	0.69mi
111 Timothy St Spartanburg, SC	2.0	1.0	1100	$1,600	$1.45	22d	1	0.71mi
500 Howard St Spartanburg, SC	1.0–3.0	1.0–2.0	999	$1,650	$1.65	14d	1	0.72mi
142 Magnolia St Unit 301 Spartanburg, SC	2.0	2.0	937	$1,850	$1.97	22d	1	0.74mi
131 College St Spartanburg, SC	2.0	1.0	700	$1,195	$1.71	22d	1	0.85mi
275 Vanderbilt Spartanburg, SC	3.0	2.5	1300	$1,495	$1.15	14d	1	0.86mi
267 Vanderbilt Rd Spartanburg, SC	3.0	2.5	1300	$1,795	$1.38	22d	1	0.87mi
522 Pennwood Dr Spartanburg, SC	3.0	1.0	1153	$1,400	$1.21	22d	1	0.90mi
235 Vanderbilt Rd Spartanburg, SC	3.0	2.5	1300	$1,844	$1.42	22d	1	0.94mi
118 Morningside Dr Spartanburg, SC	2.0	1.0	800	$850	$1.06	22d	1	0.94mi
116 Morningside Dr Spartanburg, SC	2.0	1.0	800	$850	$1.06	22d	1	0.94mi
560 Magnolia St Spartanburg, SC	2.0	1.0	965	$1,113	$1.15	22d	1	0.96mi
694 Saxon Ave Spartanburg, SC	3.0	1.0	1014	$1,300	$1.28	22d	1	0.97mi
100 Vanderbilt Ln Spartanburg, SC	1.0–2.0	1.0–2.0	787	$1,195	$1.52	22d	1	0.98mi
174 E Main St Spartanburg, SC	1.0–2.0	1.0–2.0	760	$2,295	$3.02	14d	8	1.00mi
300 Amherst Dr Spartanburg, SC	2.0	1.0	763	$975	$1.28	14d	1	1.04mi
201 N Liberty St Spartanburg, SC	3.0	1.0–2.0	1153	$2,330	$2.02	14d	32	1.08mi
753A Leonard St Spartanburg, SC	2.0	1.0	1130	$1,185	$1.05	14d	1	1.08mi
321 Southstar St Spartanburg, SC	2.0	1.0	895	$849	$0.95	22d	1	1.11mi
142 Harmony Dr Spartanburg, SC	4.0	2.0	1221	$1,595	$1.31	14d	1	1.11mi
317 Southstar St Spartanburg, SC	2.0	1.0	895	$849	$0.95	22d	1	1.11mi
624 Crescent Ave Unit 1 Spartanburg, SC	2.0	1.0	819	$1,000	$1.22	22d	1	1.13mi
196 Silver Hill St Spartanburg, SC	3.0	3.0	1492	$1,900	$1.27	22d	1	1.25mi
327 E Kennedy St Spartanburg, SC	1.0–2.0	1.0–2.0	806	$1,654	$2.05	14d	7	1.27mi
249 E Hampton Ave Spartanburg, SC	3.0	2.0	1450	$1,475	$1.02	22d	1	1.33mi
32 Beverly Hills Spartanburg, SC	3.0	2.5	1368	$1,425	$1.04	14d	1	1.33mi
30 Beverly Hills Dr Spartanburg, SC	3.0	2.5	1368	$1,575	$1.15	22d	1	1.35mi
408 Abner Rd Spartanburg, SC	2.0–3.0	2.0	996	$1,515	$1.52	22d	6	1.46mi

Listing history 20 events

1. 2026-06-18
   days on market $90,000 Active 27 DOM
2. 2026-06-17
   days on market $90,000 Active 26 DOM
3. 2026-06-16
   days on market $90,000 Active 25 DOM
4. 2026-06-15
   days on market $90,000 Active 24 DOM
5. 2026-06-14
   days on market $90,000 Active 22 DOM
6. 2026-06-13
   days on market $90,000 Active 21 DOM
7. 2026-06-10
   days on market $90,000 Active 19 DOM
8. 2026-06-09
   days on market $90,000 Active 18 DOM
9. 2026-06-08
   days on market $90,000 Active 17 DOM
10. 2026-06-07
    days on market $90,000 Active 16 DOM
11. 2026-06-02
    days on market $90,000 Active 11 DOM
12. 2026-06-01
    days on market $90,000 Active 10 DOM
13. 2026-05-31
    days on market $90,000 Active 9 DOM
14. 2026-05-30
    days on market $90,000 Active 8 DOM
15. 2026-05-20
    listed $90,000 Active
16. 2026-05-18
    listed $90,000 Active 695-char remark

    Show marketing remark (695 chars)

    Calling All Investors! Don’t miss this incredible opportunity to own a 3-bedroom, 1-bath home located right in the heart of Spartanburg! Whether you're looking to expand your investment portfolio, renovate and resell, or create long-term rental income, this property offers endless potential. Conveniently located near shopping, dining, schools, and major roadways, this home is perfectly positioned for future value and growth. Being sold AS-IS, this property is ideal for investors, builders, or buyers ready to bring their vision to life. Opportunities like this don’t last long — schedule your showing today and unlock the potential of this Spartanburg investment property!

17. 2007-08-09
    soldstatus $51,090
18. 2002-06-04
    soldstatus $18,750
19. 2002-06-01
    soldstatus $27,500
20. 2002-04-16
    listed $22,900

ⓘ 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: $1,268 · $106/mo
• Projected year-2 tax: $1,268 · $106/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,392
• − Mortgage interest: −$5,041
• − Property taxes: −$1,268
• − Insurance: −$1,116
• − Repairs & maintenance: −$1,391
• − Management: −$1,391
• − Depreciation: −$2,618
• Taxable income: $4,565
• Est. tax owed @ 24.0%: −$1,096
• After-tax cash flow: $4,596/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: Spartanburg 07
• NCES district ID: 4503660
• Math proficiency: 34% ▼ -1.00%
• Reading proficiency: 41% ▼ -1.00%
• Median HH income: $35,825
• Composite: 31.04/100
• National rank: #6087
• State rank: #39 of 80 in SC

Livability — Spartanburg

• Score: 76/100
• State rank: #24
• US rank: #3679

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Spartanburg, SC
• County: Spartanburg County · 258,607 people
• City population: 120,406
• Metro: Spartanburg, SC
• Population (ZIP): 36,278
• Household income: $57,805
• Rent vs Own: 37.2% rent · 62.8% own
• Severe rent burden: 1331.0

Population outlook (Spartanburg County) Hauer SSP2

• Today (2025): 325,495 people
• By 2030: 338,800 · +4.1%
• By 2040: 363,471 · +11.7%
• By 2050: 384,156 · +18.0%
• By 2075: 430,137 · +32.1%
• By 2100: 442,733 · +36.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 45% Black 32% Hispanic / Latino 13% Two or more races 9% Asian 5%
• Hispanic origin (detail): Mexican 7% Puerto Rican 2%
• Common ancestry: Slovak 2% Lithuanian 1% Italian 1%
• Foreign-born: 12% · Canada, China, Vietnam
• Languages at home: 83% English-only · Spanish 10% Other Indo-European 3% Other Asian/Pacific 1%

Political lean MEDSL · Spartanburg

• 2024 margin: Solid R (+33.6) · D 32.6% · R 66.2% · Other 1.2%
• 2008→2024 swing: -12.0pp toward R · 2008: -21.6pp · 2024: -33.6pp
• All cycles: 2024: R+33.6 2020: R+27.3 2016: R+30.0 2012: R+23.1 2008: R+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -77.19%
• Current HPI: 228.4172
• Rent YoY: ▼ -2.64%
• Metro: Spartanburg, 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

+293.0% since first listed

6 events — show timeline

• 2026-05-20 Listed $90,000 Greater Greenville MLS
• 2026-05-18 Listed $90,000 SPMLS
• 2007-08-09 Sold (Public Records) $51,090 Public Records
• 2002-06-04 Sold (MLS) $18,750 SPMLS
• 2002-06-01 Sold (Public Records) $27,500 Public Records
• 2002-04-16 Listed $22,900 SPMLS

Property tax history

+3.8%/yr

Latest (2025): $1,268 · +1.0% YoY. Source: county tax records.