130 Stoneridge Rd · Lake Murray of Richland, SC 29036

$275,000

3 bd · 3.5 ba · 1,749 sqft · SingleFamily public records · 41 Days on market

Built 1979 0.79 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 +25.4/30.0
• DSCR +8.4/10.0
• ARV discount +7.5/15.0
• 1% rule +5.5/10.0
• Schools +4.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this beautifully maintained brick home on a private 0.75+ acre lot, combining classic curb appeal with modern updates and an ideal Chapin-area location. 3 bedrooms, each with a private full bathroom (plus a half bath)Open floor plan with a great room and kitchen featuring hardwood floors. Updated kitchen: white cabinets, granite countertops, large island, pantry, and smooth cooktop. Generous master suite with large walk-in closet and private ensuite: oversized tiled shower, double vanities, and water closet. Bedroom 2 on the main level with its own bathroom; Bedroom 3 upstairs with private bathroom. Enclosed garage offering abundant flexible space — perfect for a playroom,

Key facts

• Master suite
• Open floor plan
• Private lot

Tags

• BRICK HOME
• PRIVATE LOT
• OPEN FLOOR PLAN
• UPDATED KITCHEN
• LARGE ISLAND
• MASTER SUITE

Property features AI

Exterior

• Utilities: Well water; Septic sewer; Thermopane (energy-efficient) windows
• Home design: Two-story home
• Construction: Crawlspace foundation
• Exterior features: Patio; Partial brick above foundation, vinyl and wood exterior

Interior

• Kitchen: Eat-in kitchen with island, pantry, painted cabinets and granite countertops; Hardwood floors in kitchen; Dishwasher; Refrigerator; Microwave above stove
• Bedrooms: Master bedroom on main level with garden tub, private bath, separate shower, ceiling fan, and carpeted floors; Second bedroom on main level with private bath; Third bedroom on second level with private bath
• Flooring: Hardwood floors in great room and kitchen; Carpet in master bedroom
• Bathrooms: Three full bathrooms; One half bathroom
• Heating & cooling: Central cooling; Heat pumps serving first and second levels; Electric heating
• Interior features: Ceiling fans; Attic with pull-down access; Attic access; Built-in smooth-surface range; Wood-burning fireplace (1)
• Laundry & utility: Laundry on main level in heated space (electric hookup); Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $631 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $275k).
• Recommended offer: $267k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#102 in SC) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Lexington 05 (suburban): math 47% / reading 55% proficiency, ranked #5 of 80 in SC (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Lake Murray Elementary (math 78% / reading 82%, grade A+, #4 of 597 statewide, top 1%, 809 students, 18% FRL); Chapin High (math 82% / reading 91%, grade A, #7 of 196 statewide, top 4%, 1,615 students, 100% FRL) — zoned schools average 59% FRL vs 27% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 83% at this address vs 51% district-wide (+32 pts) — the actual schools serving this property are materially stronger than the Lexington 05 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 434 active listings in the ZIP; 2 comparable units currently listed for rent nearby; high-income renter base; 1,712 units permitted in Lexington County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($114k/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 $8k 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 41 days — a 3% lower offer ($267k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $200k; 38% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 56% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $266,750 (3.0% below list)

Questions for the listing agent

1. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 1.05% ✓
• Cap rate: 9.05%
• Cash-on-cash: 9.83%
• DSCR: 1.44
• GRM: 7.9

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: -1.5%
• Equity multiple: 0.94×
• Total profit: $-4,497
• Equity at exit: $41,003

10-year hold

• IRR: 8.1%
• Equity multiple: 1.62×
• Total profit: $47,383
• Equity at exit: $23,777

Cash invested: $77,000 (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 29036

• Active inventory: 434
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,898 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$102 /mo · $1,224/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$609
• Net cashflow: $631

Break-even live

Break-even rent $2,100

Max offer price $275,000

Occupancy floor 73%

Sensitivity live

Price	-10% $786	-5% $709	+0% $631	+5% $553	+10% $475
Rent	-10% $402	-5% $516	+0% $631	+5% $745	+10% $860
Rate	-1.0pp $769	-0.5pp $701	base $631	+0.5pp $559	+1.0pp $487

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
217 Whispering Oak Ln Chapin, SC	3.0	2.0	1375	$3,200	$2.33	12d	1	1.09mi
222 Indian Creek Cir Chapin, SC	3.0	2.0	1500	$2,750	$1.83	24d	1	1.30mi

Listing history 23 events

1. 2026-06-18
   days on market $275,000 Active 41 DOM
2. 2026-06-17
   days on market $275,000 Active 40 DOM
3. 2026-06-16
   days on market $275,000 Active 39 DOM
4. 2026-06-15
   days on market $275,000 Active 38 DOM
5. 2026-06-14
   days on market $275,000 Active 36 DOM
6. 2026-06-13
   pricedays on market $275,000 Active 35 DOM
7. 2026-06-10
   days on market $280,000 Active 33 DOM
8. 2026-06-09
   days on market $280,000 Active 32 DOM
9. 2026-06-08
   days on market $280,000 Active 31 DOM
10. 2026-06-07
    days on market $280,000 Active 30 DOM
11. 2026-06-03
    days on market $280,000 Active 26 DOM
12. 2026-06-03
    days on market $280,000 Active 25 DOM
13. 2026-06-01
    days on market $280,000 Active 24 DOM
14. 2026-05-31
    days on market $280,000 Active 23 DOM
15. 2026-05-08
    listed $280,000 Active
16. 2020-10-13
    soldstatus $200,000
17. 2016-09-20
    price $109,000
18. 2016-07-21
    price $124,900
19. 2016-04-13
    price $129,900
20. 2016-02-17
    price $161,000
21. 2016-01-22
    price $169,500
22. 2015-12-31
    price $178,400
23. 2000-01-19
    soldstatus $125,700

ⓘ 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: $1,224 · $102/mo
• Projected year-2 tax: $1,568 · $131/mo
• Expected delta: +$344/yr (+$29/mo · 28.1%)

ⓘ 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 2/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 56% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,776
• − Mortgage interest: −$15,404
• − Property taxes: −$1,224
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,782
• − Management: −$2,782
• − Depreciation: −$8,000
• Taxable income: $3,209
• Est. tax owed @ 24.0%: −$770
• After-tax cash flow: $6,798/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 05
• NCES district ID: 4502820
• Math proficiency: 47% ▼ -7.00%
• Reading proficiency: 55% ▼ -4.00%
• Median HH income: $67,732
• Composite: 45.28/100
• National rank: #2656
• State rank: #5 of 80 in SC

Livability — Lake Murray of Richland

• Score: 67/100
• State rank: #102
• US rank: #10903

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lexington County · 232,571 people
• City population: 26,620
• Metro: Columbia, SC
• Population (ZIP): 26,620
• Household income: $113,986
• Rent vs Own: 8.1% rent · 91.9% own
• Severe rent burden: 212.0

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 (86%)
• Race & ethnicity: White 86% Asian 5% Two or more races 4% Black 3% Hispanic / Latino 3%
• Common ancestry: Lithuanian 4% Slovak 4% Italian 2%
• Foreign-born: 6% · Canada, South Korea, China
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 1% Korean 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: ▼ -134.76%
• Current HPI: 248.3807
• Rent YoY: —
• 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

+122.8% since first listed

9 events — show timeline

• 2026-05-08 Listed $280,000 Consolidated MLS
• 2020-10-13 Sold (Public Records) $200,000 Public Records
• 2016-09-20 Price Changed $109,000 Consolidated MLS
• 2016-07-21 Price Changed $124,900 Consolidated MLS
• 2016-04-13 Price Changed $129,900 Consolidated MLS
• 2016-02-17 Price Changed $161,000 Consolidated MLS
• 2016-01-22 Price Changed $169,500 Consolidated MLS
• 2015-12-31 Price Changed $178,400 Consolidated MLS
• 2000-01-19 Sold (Public Records) $125,700 Public Records

Property tax history

-7.9%/yr

Latest (2024): $1,224 · +0.9% YoY. Source: county tax records.