1344 S Ott Rd · Columbia, SC 29205-4571

$144,900

2 bd · 1.0 ba · 768 sqft · SingleFamily public records · 80 Days on market

Built 1941 6,534 sqft lot

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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 +10.8/30.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +3.9/5.0
• DSCR +3.1/10.0
• 1% rule +3.0/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Rosewood, reduced price for quick sale. Seller motivated. Check this out: Completely remodeled Like New 2 Bd/1Bh Bungalow in great location close to Rosewood Drive, USC, Five Points and the Columbia CBD. Vinyl exterior home with crawl space on a level corner lot. Private backyard with partial chain link fence. Upgrades include replacement windows and new shingle roof in 2019 (7 years) and new gas pac HVAC in 2023 (3 years). Recent completed upgrades and improvements include: All new vinyl plank floors, all new fans/light fixtures, a new electric water heater and completely remodeled bathroom and kitchen. The kitchen includes all new counter tops, subway tile backsplash, and like new applian

Key facts

• Private backyard
• New gas pac hvac
• New shingle roof

Tags

• PRIVATE BACKYARD
• REPLACEMENT WINDOWS
• NEW SHINGLE ROOF
• NEW GAS PAC HVAC
• NEW VINYL PLANK FLOORS
• NEW FANS LIGHT FIXTURES

Property features AI

Finance

• Other: Cable TV available

Exterior

• Parking: 3 parking spaces
• Utilities: Public sewer; Thermopane windows
• Home design: Single-story home; House faces west
• Construction: Crawlspace foundation
• Exterior features: Covered front porch; Covered back porch; Chain link (partial) fencing; Vinyl exterior finish; Paved road access; Public water

Interior

• Kitchen: Formica countertops; Tiled backsplash; Painted cabinets; Luxury vinyl plank flooring; Microwave above stove; Free-standing smooth-surface range; Refrigerator
• Bedrooms: Master bedroom on main level with ceiling fan and luxury vinyl plank flooring; Second bedroom on main level with ceiling fan and luxury vinyl plank flooring
• Flooring: Luxury vinyl plank flooring throughout main living areas
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Central heating; Gas heating on first level; Gas pack heating; Central cooling; Gas pack cooling
• Interior features: Ceiling fans throughout; Smoke detector
• Laundry & utility: Washer and dryer included; Electric hookups in kitchen area; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $-67 ($-810/yr) — negative.
• To cash-flow at today's rent, offer at most $133k (8.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $116k (20.2% below list).
• Recommended offer: $116k (20.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 78/100 on livability (#18 in SC, #2,436 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
• 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: South Kilbourne Elementary (math 12% / reading 17%, grade F, #553 of 597 statewide, top 95%, 296 students, 100% FRL); Dreher High (math 47% / reading 92%, grade B, #60 of 196 statewide, top 32%, 1,150 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: 1 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (3.0% local appreciation)).
• 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 + 3.0% rent growth), your $41k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 80 days — a 6% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 6y ago; this cycle's ask has dropped $15k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; list at $145k implies a 142% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major 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 $115,614 (20.2% 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 80 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.80% ✗
• Cap rate: 5.73%
• Cash-on-cash: -2.00%
• DSCR: 0.91
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 5.7%
• Equity multiple: 1.32×
• Total profit: $13,162
• Equity at exit: $65,153

10-year hold

• IRR: 8.6%
• Equity multiple: 2.30×
• Total profit: $52,909
• Equity at exit: $100,409

Cash invested: $40,572 (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 29205-4571

• Active inventory: 1
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,156 high
• Mortgage (P&I): −$760
• Tax from tax record: −$161 /mo · $1,927/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$243
• Net cashflow: $-67

Break-even live

Break-even rent $1,242

Max offer price $132,980

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: $36,225
• Closing costs: $4,347
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3605 Edmond Dr Columbia, SC	1.0	1.0	695	$900	$1.29	23d	1	0.12mi
3610 Timberlane Dr Unit 3610-E4 Ti Columbia, SC	1.0	1.0	695	$915	$1.32	19d	1	0.13mi
3610 Timberlane Dr Unit 3605-B4 Ed Columbia, SC	1.0	1.0	695	$900	$1.29	23d	1	0.13mi
3626 Hydrangea St Columbia, SC	2.0	1.0	800	$1,040	$1.30	21d	1	0.20mi
3732 Hickory St Columbia, SC	2.0	1.5	840	$1,350	$1.61	23d	1	0.31mi
1 Tempo Ct Columbia, SC	3.0	1.5	1032	$1,745	$1.69	23d	1	0.34mi
21 Tempo Ct Columbia, SC	3.0	1.5	1032	$1,498	$1.45	11d	1	0.36mi
3800 Plowden Rd Unit D6 Columbia, SC	1.0	1.0	668	$800	$1.20	21d	1	0.41mi
823 S Kilbourne Rd Columbia, SC	2.0	1.0	743	$1,100	$1.48	23d	1	0.44mi
1324 Deerwood St Unit 1 Columbia, SC	2.0	2.0	1030	$1,350	$1.31	23d	1	0.46mi
23 Cavalier Ct Unit A Columbia, SC	2.0	1.0	871	$1,300	$1.49	23d	1	0.49mi
828 Suber St Unit E Columbia, SC	2.0	1.0	1100	$995	$0.90	11d	1	0.55mi
3901 Bright Ave Columbia, SC	3.0	1.0	1047	$1,380	$1.32	14d	1	0.61mi
1649 S Beltline Blvd Columbia, SC	2.0	1.0	900	$1,250	$1.39	23d	1	0.70mi
721 Deerwood St Columbia, SC	2.0	1.0	1000	$1,150	$1.15	14d	1	0.73mi
3840 Overbrook Dr Columbia, SC	2.0	2.0	900	$1,595	$1.77	23d	1	0.73mi
2748 Montgomery Ave Unit 2748 Columbia, SC	1.0	1.0	612	$1,590	$2.60	14d	1	0.74mi
2746 Montgomery Ave Unit 2746 Columbia, SC	1.0	1.0	612	$1,590	$2.60	14d	1	0.74mi
2725 Kingswood Dr Columbia, SC	3.0	1.0	940	$1,500	$1.60	23d	1	0.78mi
13 Acme St Columbia, SC	3.0	1.0	900	$1,300	$1.44	23d	1	0.81mi
508 Deerwood St Unit 516 Columbia, SC	1.0	1.0	600	$995	$1.66	23d	1	0.87mi
1840 Tall Pines Cir Columbia, SC	3.0	1.5	1021	$1,350	$1.32	14d	1	0.88mi
524 S Beltline Blvd Columbia, SC	2.0	1.0	1050	$1,300	$1.24	23d	1	0.91mi
1908 Tall Pines Cir Unit 4 Columbia, SC	1.0	1.0	750	$900	$1.20	23d	1	0.92mi
114 Easy St Columbia, SC	2.0	2.0	1100	$1,500	$1.36	11d	1	0.93mi
1051 Southern Dr Unit 1356279P Columbia, SC	1.0	1.0	645	$1,114	$1.73	21d	1	1.07mi
320 S Beltline Blvd Columbia, SC	2.0	1.0	800	$1,048	$1.31	23d	5	1.09mi
3125 Heyward St Unit B Columbia, SC	2.0	1.0	1100	$1,600	$1.45	23d	1	1.16mi
108 Kilbourne Rd Unit 110 Columbia, SC	2.0	1.0	680	$1,300	$1.91	23d	1	1.16mi
501 Pelham Dr Columbia, SC	1.0–2.0	1.0–2.0	805	$1,625	$2.02	2d	24	1.22mi
500 Gills Creek Pkwy Columbia, SC	1.0–2.0	1.0–2.0	807	$1,375	$1.70	11d	27	1.22mi
222 Prospect St Unit 224 Columbia, SC	2.0	1.0	750	$1,250	$1.67	23d	1	1.22mi
318 S Woodrow St Columbia, SC	2.0	1.0	1103	$1,700	$1.54	23d	1	1.23mi
4319 Wilmot Ave Columbia, SC	3.0	1.0	1000	$1,650	$1.65	23d	1	1.30mi
4425 E Chapel Rd Columbia, SC	1.0	1.0	607	$1,025	$1.69	23d	2	1.32mi
3800 Wilmot Ave Columbia, SC	2.0	1.0	720	$1,500	$2.08	23d	1	1.33mi
209 S Harden St Unit 04 Columbia, SC	2.0	1.0	800	$1,050	$1.31	23d	1	1.46mi

Listing history 20 events

1. 2026-05-23
   status Pending
2. 2026-05-08
   historical Active - Contingent
3. 2026-04-23
   price $144,900
4. 2026-04-11
   price $154,900
5. 2026-03-03
   listed $159,900 Active
6. 2021-03-19
   soldstatus $60,000
7. 2021-03-01
   historical
8. 2021-02-19
   status Active
9. 2021-02-12
   historical
10. 2021-02-10
    status Active
11. 2021-02-02
    historical
12. 2021-01-23
    status Active
13. 2021-01-16
    historical
14. 2021-01-15
    price $67,900
15. 2020-11-26
    status Active
16. 2020-11-23
    historical
17. 2020-11-16
    status Active
18. 2020-11-02
    historical
19. 2020-10-29
    listed $87,000 Active
20. 1998-11-17
    soldstatus $15,000

ⓘ 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: $1,927 · $161/mo
• Projected year-2 tax: $1,927 · $161/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 6/10 Major 98% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 6/10 Major

Taxation est. · year 1

• Rental income: $13,874
• − Mortgage interest: −$8,117
• − Property taxes: −$1,927
• − Insurance: −$724
• − Repairs & maintenance: −$1,110
• − Management: −$1,110
• − Depreciation: −$4,215
• Taxable loss: −$3,330
• Est. tax savings @ 24.0%: +$799
• After-tax cash flow: $-11/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 — Columbia

• Score: 78/100
• State rank: #18
• US rank: #2436

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Columbia, SC

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%

Not yet ingested

• Political lean: —
• Race & ethnicity: —
• Common origin: —
• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

+866.0% since first listed

20 events — show timeline

• 2026-05-23 Pending — Consolidated MLS
• 2026-05-08 Contingent — Consolidated MLS
• 2026-04-23 Price Changed $144,900 Consolidated MLS
• 2026-04-11 Price Changed $154,900 Consolidated MLS
• 2026-03-03 Listed $159,900 Consolidated MLS
• 2021-03-19 Sold (Public Records) $60,000 Public Records
• 2021-03-01 Delisted — Consolidated MLS
• 2021-02-19 Relisted — Consolidated MLS
• 2021-02-12 Delisted — Consolidated MLS
• 2021-02-10 Relisted — Consolidated MLS
• 2021-02-02 Delisted — Consolidated MLS
• 2021-01-23 Relisted — Consolidated MLS
• 2021-01-16 Delisted — Consolidated MLS
• 2021-01-15 Price Changed $67,900 Consolidated MLS
• 2020-11-26 Relisted — Consolidated MLS
• 2020-11-23 Delisted — Consolidated MLS
• 2020-11-16 Relisted — Consolidated MLS
• 2020-11-02 Delisted — Consolidated MLS
• 2020-10-29 Listed $87,000 Consolidated MLS
• 1998-11-17 Sold (Public Records) $15,000 Public Records

Property tax history

+3.8%/yr

Latest (2025): $1,927 · +2.1% YoY. Source: county tax records.