52 Sweet William Rd · Ridgeland, SC
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 7/10 · Major
- Est. fire insurance / yr
- $783 – $1,453
Heat risk 9/10 · Severe
- Hot days now (above 109°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 8/10 · Major
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +20.5/30.0
- Appreciation +10.0/10.0
- DSCR +6.5/10.0
- 1% rule +5.4/10.0
- Livability +3.4/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- ARV discount +2.1/15.0
- Schools +1.4/10.0
$174,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
Key facts
- Large 1 acre lot
- Great location
- 1.01 acre lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath manufactured listed at $174k.
Deal economics
- At list price, monthly cash flow is $230 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $174k).
- Recommended offer: $158k (9.0% below list) — sets the bar for market timing.
- Cap rate 7.9% vs local median 4.5% in Ridgeland — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 68/100 on livability (#81 in SC) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: schools F, crime D-, amenities F.
- Jasper 01 (rural): math 12% / reading 22% proficiency, ranked #77 of 80 in SC (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 358 active listings in the ZIP; 1,385 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).
- This rent runs 44% of the median local income ($49k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $19k of equity ($1k loan paydown + $17k appreciation (10.0% local appreciation)).
- Jasper County population projected at +46% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (10.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 3, paydown + projected appreciation supports a ~$47k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 106 days — a 9% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts 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.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 106 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- Crime grade is D 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?
- 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.
- 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.
- 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
- 1.04% ✓
- Cap rate
- 7.88%
- Cash-on-cash
- 5.67%
- DSCR
- 1.25
- GRM
- 8.0
CMA / ARV
- ARV (on-the-fly)
- $155,232
- Comps found
- 1
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 52 Sweet William Rd | 0.00mi | 2/2.0 | 1,188 (-4%) | 1mo | $150,000 | $126 | 94 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 28.4%
- Equity multiple
- 3.25×
- Total profit
- $109,445
- Equity at exit
- $156,753
- IRR
- 24.7%
- Equity multiple
- 7.38×
- Total profit
- $310,829
- Equity at exit
- $338,044
Cash invested: $48,720 (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
ZIP-level market 29936
- Home prices YoY
- 33.1%
- Active inventory
- 358
- Price-to-rent
- 8.0×
Monthly cashflow live
- Estimated rent
- $1,813 medium interval (Pro) →
- Mortgage (P&I)
- −$912
- Tax est. 1.5%
- −$218 /mo · $2,610/yr
- Insurance
- −$72
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$381
- Net cashflow
- $230
Break-even live
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
- $43,500
- Closing costs
- $5,220
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 13 events
-
2026-05-06status Pending 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2026-05-05status Pending
-
2026-04-14price $174,000
-
2026-03-19status Active 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2026-03-19status Active
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2026-02-27status Pending
-
2026-02-21status Pending 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2026-01-02status Active 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2026-01-02status Active
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2025-09-18status Pending 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2025-09-18status Pending
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2025-09-15$179,500 Active 189-char remark
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
-
2025-09-15$179,900 Active
Show marketing remark (189 chars)
Opportunіty tο own а nіce homе οn a large 1 acre lot in a greаt lοcation for a phenomenal price. This property is being sold "As Is"; inspections welcomed.
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 7/10 Severe
- Heat 9/10 Extreme 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
- Wind 8/10 Severe 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $21,760
- − Mortgage interest
- −$9,747
- − Property taxes
- −$2,610
- − Insurance
- −$870
- − Repairs & maintenance
- −$1,741
- − Management
- −$1,741
- − Depreciation
- −$5,062
- Taxable loss
- −$10
- Est. tax savings @ 24.0%
- +$2
- After-tax cash flow
- $2,763/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
- Jasper 01
- NCES district ID
- 4502520
- Math proficiency
- 12% ▼ -11.00%
- Reading proficiency
- 22% ▼ -5.00%
- Median HH income
- $37,878
- Composite
- 14.23/100
- National rank
- #9450
- State rank
- #77 of 80 in SC
Livability — Ridgeland
- Score
- 68/100
- State rank
- #81
- US rank
- #9324
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Jasper County · 26,362 people
- City population
- 14,989
- Metro
- Hilton Head Island-Bluffton, SC
- Population (ZIP)
- 14,989
- Household income
- $48,986
- Rent vs Own
- Severe rent burden
- 395.0
Population outlook (Jasper County) Hauer SSP2
- Today (2025)
- 34,428 people
- By 2030
- 37,718 · +9.6%
- By 2040
- 44,061 · +28.0%
- By 2050
- 50,302 · +46.1%
- By 2075
- 66,869 · +94.2%
- By 2100
- 110,455 · +220.8%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.64)
- Race & ethnicity
- Black 44% White 37% Hispanic / Latino 14% Two or more races 7%
- Hispanic origin (detail)
- Mexican 9% Puerto Rican 1%
- Common ancestry
- Serbian 2% Lithuanian 1% Italian 1%
- Foreign-born
- 8% · Canada
- Languages at home
- 86% English-only · Spanish 13%
Political lean MEDSL · Jasper
- 2024 margin
- Lean R (+9.6) · D 44.7% · R 54.3% · Other 1.0%
- 2008→2024 swing
- -32.5pp toward R · 2008: 22.9pp · 2024: -9.6pp
- All cycles
- 2024: R+9.6 2020: D+0.8 2016: D+11.9 2012: D+15.6 2008: D+22.9
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 88.70%
- Current HPI
- 356.5493
- Rent YoY
- —
- Metro
- Hilton Head Island-Bluffton, 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
-3.3% since first listed13 events — show timeline
- 2026-05-06 Pending — RSMLS
- 2026-05-05 Pending — LRMLS
- 2026-04-14 Price Changed $174,000 LRMLS
- 2026-03-19 Relisted — RSMLS
- 2026-03-19 Relisted — LRMLS
- 2026-02-27 Pending — LRMLS
- 2026-02-21 Pending — RSMLS
- 2026-01-02 Relisted — RSMLS
- 2026-01-02 Relisted — LRMLS
- 2025-09-18 Pending — RSMLS
- 2025-09-18 Pending — LRMLS
- 2025-09-15 Listed $179,500 RSMLS
- 2025-09-15 Listed $179,900 LRMLS
Property tax history
-13.5%/yrLatest (2025): $69 · -0.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…