495 Barnwell St · Springfield, SC 29146

$175,000

3 bd · 2.0 ba · 1,781 sqft · SingleFamily public records · 15 Days on market

Built 1960 0.99 ac lot

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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 +15.1/30.0
• ARV discount +7.5/15.0
• Appreciation +7.3/10.0
• Schools +5.0/10.0
• DSCR +4.6/10.0
• 1% rule +3.4/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

Key facts

• 0.99 acre lot
• Built 1960
• Listed 14 days

Property features AI

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-story home
• Construction: Crawlspace foundation
• Exterior features: Partial brick exterior above foundation; Paved road access; Approximately 1 acre lot

Interior

• Bedrooms: Primary bedroom on the main level
• Bathrooms: Two full bathrooms
• Interior features: One fireplace; Central heating; Central cooling; Total heated area approximately 1,875

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $59 ($706/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $147k (16.2% below list).
• Recommended offer: $147k (16.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 53/100 on livability (#339 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Zoned schools: Hunter-Kinard-Tyler Elementary (math 24%, 208 students, 100% FRL); Hunter-Kinard-Tyler High (210 students, 100% FRL).
• Market conditions: 15 active listings in the ZIP; 87 units permitted in Orangeburg County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($1k loan paydown + $8k appreciation (4.6% local appreciation)).
• Orangeburg County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.6% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 12y ago; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $114k; list at $175k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $146,684 (16.2% below list)

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 0.84% ✗
• Cap rate: 6.70%
• Cash-on-cash: 1.44%
• DSCR: 1.06
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

4.56% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.81×
• Total profit: $39,663
• Equity at exit: $94,516

10-year hold

• IRR: 14.1%
• Equity multiple: 3.42×
• Total profit: $118,785
• Equity at exit: $159,397

Cash invested: $49,000 (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 29146

• Home prices YoY: 4.1%
• Active inventory: 15
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,467 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$109 /mo · $1,312/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $59

Break-even live

Break-even rent $1,392

Max offer price $175,000

Occupancy floor 91%

Sensitivity live

Price	-10% $158	-5% $108	+0% $59	+5% $9	+10% $-40
Rent	-10% $-57	-5% $1	+0% $59	+5% $117	+10% $175
Rate	-1.0pp $147	-0.5pp $103	base $59	+0.5pp $14	+1.0pp $-33

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 34 events

1. 2026-06-19
   days on market $175,000 Active 15 DOM
2. 2026-06-18
   days on market $175,000 Active 14 DOM
3. 2026-06-17
   days on market $175,000 Active 13 DOM
4. 2026-06-16
   days on market $175,000 Active 12 DOM
5. 2026-06-15
   days on market $175,000 Active 11 DOM
6. 2026-06-14
   days on market $175,000 Active 9 DOM
7. 2026-06-12
   days on market $175,000 Active 8 DOM
8. 2026-06-09
   days on market $175,000 Active 5 DOM
9. 2026-06-08
   days on market $175,000 Active 4 DOM
10. 2026-06-07
    days on market $175,000 Active 3 DOM
11. 2026-06-07
    days on marketlisting id $175,000 Active 2 DOM
12. 2026-06-04
    days on market $175,000 Active 12 DOM
13. 2026-06-02
    days on market $175,000 Active 11 DOM
14. 2026-06-01
    days on market $175,000 Active 10 DOM
15. 2026-05-31
    days on market $175,000 Active 9 DOM
16. 2026-05-31
    days on market $175,000 Active 8 DOM
17. 2026-05-22
    listed $185,000 Active
18. 2026-05-08
    status Active 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

19. 2026-05-01
    historical 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

20. 2026-05-01
    historical

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

21. 2026-03-25
    price $185,000 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

22. 2026-03-25
    price $185,000

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

23. 2026-03-14
    status Active 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

24. 2026-03-14
    historical 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

25. 2026-03-06
    listed $189,900 Active
26. 2026-02-22
    status Pending 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

27. 2026-01-27
    listed $189,900 Active 1377-char remark

    Show marketing remark (1377 chars)

    Welcome home to 495 Barnwell Street in Springfield — where comfort, space, and small-town charm come together on a beautiful one-acre lot. Conveniently located for an easy drive to both Aiken and Columbia, this well-maintained 3-bedroom, 2-bath home offers the perfect blend of peaceful living and everyday practicality. From the moment you step inside, you'll notice the warm hardwood floors that flow through the main living areas and bedrooms, creating a cozy and inviting feel. The living room features a fireplace with gas logs, Just beyond, the enclosed sunroom adds even more usable square footage and can serve as a playroom, second living area, workout space, or office. The kitchen and dining areas connect easily to the rest of the home, giving the layout a natural, comfortable flow. There's also an oversized laundry room with room for an extra fridge or pantry space. The primary bedroom includes an en-suite bath with tile flooring and generous closet space. Two additional bedrooms share a hall bath. Major updates add peace of mind, including a newer roof (2020) and HVAC system (2018). An attached two-car garage provides excellent storage and convenience. Outside, the fully fenced backyard is ready for pets, playtime, and weekend cookouts, all set against the backdrop of a spacious one-acre lot that offers room to spread out and enjoy the outdoors.

28. 2020-12-14
    soldstatus $114,000
29. 2020-12-08
    soldstatus $114,000
30. 2020-09-26
    listed $110,000
31. 2014-05-16
    soldstatus $82,000
32. 2014-05-16
    soldstatus $82,000
33. 2014-01-27
    listed $89,900
34. 2008-09-04
    soldstatus $48,000

ⓘ 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: $1,312 · $109/mo
• Projected year-2 tax: $1,312 · $109/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 7/10 Severe 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,602
• − Mortgage interest: −$9,803
• − Property taxes: −$1,312
• − Insurance: −$875
• − Repairs & maintenance: −$1,408
• − Management: −$1,408
• − Depreciation: −$5,091
• Taxable loss: −$2,295
• Est. tax savings @ 24.0%: +$551
• After-tax cash flow: $1,257/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)

No district data.

Livability — Springfield

• Score: 53/100
• State rank: #339
• US rank: #24503

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Springfield, SC
• Population (ZIP): 1,295

Population outlook (Orangeburg County) Hauer SSP2

• Today (2025): 82,698 people
• By 2030: 78,615 · -4.9%
• By 2040: 69,308 · -16.2%
• By 2050: 60,629 · -26.7%
• By 2075: 42,678 · -48.4%
• By 2100: 28,136 · -66.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (67%)
• Race & ethnicity: Black 67% White 32%
• Common ancestry: Lithuanian 1%

Political lean MEDSL · Orangeburg

• 2024 margin: Strong D (+24.6) · D 61.8% · R 37.2% · Other 1.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 38.1pp · 2024: 24.6pp
• All cycles: 2024: D+24.6 2020: D+33.2 2016: D+37.0 2012: D+43.5 2008: D+38.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.56%
• Current HPI: 116.4772
• 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

+285.4% since first listed

18 events — show timeline

• 2026-05-22 Listed $185,000 Consolidated MLS
• 2026-05-08 Relisted — AMLS
• 2026-05-01 Delisted — AMLS
• 2026-05-01 Listing Removed — Charleston Trident MLS
• 2026-03-25 Price Changed $185,000 AMLS
• 2026-03-25 Price Changed $185,000 Charleston Trident MLS
• 2026-03-14 Relisted — AMLS
• 2026-03-14 Delisted — AMLS
• 2026-03-06 Listed $189,900 Charleston Trident MLS
• 2026-02-22 Pending — AMLS
• 2026-01-27 Listed $189,900 AMLS
• 2020-12-14 Sold (Public Records) $114,000 Public Records
• 2020-12-08 Sold (MLS) $114,000 AMLS
• 2020-09-26 Listed $110,000 AMLS
• 2014-05-16 Sold (Public Records) $82,000 Public Records
• 2014-05-16 Sold (MLS) $82,000 AMLS
• 2014-01-27 Listed $89,900 AMLS
• 2008-09-04 Sold (Public Records) $48,000 Public Records

Property tax history

+19.2%/yr

Latest (2024): $1,312 · +13.4% YoY. Source: county tax records.