110 Sterling St · Chester, SC 29706

$102,500

4 bd · 1.0 ba · 1,158 sqft · Other public records · 31 Days on market

Built 2022 6,098 sqft lot ↓ 52% since listing

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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 +27.3/30.0
• DSCR +9.5/10.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

Key facts

• Epoxy floor
• Hardwood floors
• Accent wall

Tags

• HARDWOOD FLOORS
• EPOXY FLOOR
• ACCENT WALL
• FIREPLACE
• FENCED REAR YARD

Property features AI

Finance

• HOA & community: No HOA

Exterior

• Parking: Driveway
• Utilities: City water; Public sewer; Cable available
• Home design: Single-family residence; Site-built construction; One level; Facing RN zoning
• Construction: Vinyl siding; Composition roof; Crawl space foundation; Built on site
• Exterior features: Deck; Front porch; Back yard fencing; Concrete and paved road access; Publicly maintained road

Interior

• Kitchen: Electric cooktop
• Bedrooms: 4 bedrooms, all on the main level
• Bathrooms: 2 full bathrooms, both on the main level
• Heating & cooling: Central heating; Central air conditioning; 200 sq ft of unheated space
• Interior features: Open family room with fireplace; 8 total rooms
• Laundry & utility: Washer hookup; Electric dryer hookup; Utility room

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath other listed at $102k.

Deal economics

• At list price, monthly cash flow is $295 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $102k).
• Recommended offer: $99k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 2.7% in Chester — 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 52/100 on livability (#344 in SC) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute F.
• Chester 01 (rural): math 23% / reading 34% proficiency, ranked #59 of 80 in SC (top 74%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Chester Park School Elementary of Inquiry (math 17% / reading 17%, grade F, #515 of 597 statewide, top 89%, 409 students, 100% FRL); Chester Senior High (math 32% / reading 72%, grade D+, #142 of 196 statewide, top 74%, 754 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: 193 active listings in the ZIP; 269 units permitted in Chester County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $709 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Chester County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($99k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% 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 $99,425 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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: 1.24% ✓
• Cap rate: 9.75%
• Cash-on-cash: 12.35%
• DSCR: 1.55
• GRM: 6.7

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: 2.0%
• Equity multiple: 1.08×
• Total profit: $2,220
• Equity at exit: $15,283

10-year hold

• IRR: 11.6%
• Equity multiple: 1.91×
• Total profit: $26,231
• Equity at exit: $8,862

Cash invested: $28,700 (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 29706

• Home prices YoY: -11.9%
• Active inventory: 193
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,270 medium
• Mortgage (P&I): −$538
• Tax est. 1.5%: −$128 /mo · $1,538/yr
• Insurance: −$43
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $295

Break-even live

Break-even rent $897

Max offer price $102,500

Occupancy floor 72%

Sensitivity live

Price	-10% $366	-5% $331	+0% $295	+5% $260	+10% $224
Rent	-10% $195	-5% $245	+0% $295	+5% $346	+10% $396
Rate	-1.0pp $347	-0.5pp $321	base $295	+0.5pp $269	+1.0pp $242

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: $25,625
• Closing costs: $3,075
• Reserves months: —
• Total cash needed: —

Listing history 30 events

1. 2026-06-21
   days on market $102,500 Active 31 DOM
2. 2026-06-18
   days on market $102,500 Active 28 DOM
3. 2026-06-17
   days on market $102,500 Active 27 DOM
4. 2026-06-16
   days on market $102,500 Active 26 DOM
5. 2026-06-15
   days on market $102,500 Active 25 DOM
6. 2026-06-13
   days on market $102,500 Active 23 DOM
7. 2026-06-09
   days on market $102,500 Active 19 DOM
8. 2026-06-08
   days on market $102,500 Active 18 DOM
9. 2026-06-07
   days on market $102,500 Active 17 DOM
10. 2026-06-04
    days on market $102,500 Active 14 DOM
11. 2026-06-03
    days on market $102,500 Active 13 DOM
12. 2026-06-02
    days on market $102,500 Active 12 DOM
13. 2026-06-01
    days on market $102,500 Active 11 DOM
14. 2026-05-31
    days on market $102,500 Active 10 DOM
15. 2026-05-21
    listed $102,500 Active
16. 2023-03-07
    soldstatus $163,000
17. 2023-03-06
    soldstatus $163,000 Closed 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

18. 2023-01-15
    status Pending 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

19. 2023-01-03
    price $165,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

20. 2022-12-23
    price $169,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

21. 2022-11-07
    price $177,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

22. 2022-10-22
    price $178,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

23. 2022-10-02
    price $180,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

24. 2022-09-28
    price $190,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

25. 2022-09-23
    price $197,400 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

26. 2022-09-19
    price $197,500 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

27. 2022-09-16
    price $198,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

28. 2022-09-13
    price $199,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

29. 2022-09-06
    price $205,000 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

30. 2022-08-31
    listed $215,000 Active 577-char remark

    Show marketing remark (577 chars)

    ** PRICE REDUCTION** Charming 4BR, 2 BA one level home. Beautiful hardwood floor throughout this amazing home with epoxy floor and countertop in the kitchen along with stainless steel appliances. The living room has a gorgeous accent wall with a nice fireplace. This home has a private, fenced backyard ready for pets, kids and you!! This Modern home could be yours today, with all appliances conveying with the property!! Schedule your appointment today!! *** Seller will also offer some closing cost with acceptable offer and this home is eligible for USDA and SC Housing***

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥106°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,246
• − Mortgage interest: −$5,742
• − Property taxes: −$1,538
• − Insurance: −$512
• − Repairs & maintenance: −$1,220
• − Management: −$1,220
• − Depreciation: −$2,982
• Taxable income: $2,033
• Est. tax owed @ 24.0%: −$488
• After-tax cash flow: $3,056/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: Chester 01
• NCES district ID: 4501530
• Math proficiency: 23% ▼ -6.00%
• Reading proficiency: 34% ▬ 0.00%
• Median HH income: $34,041
• Composite: 23.39/100
• National rank: #7902
• State rank: #59 of 80 in SC

Livability — Chester

• Score: 52/100
• State rank: #344
• US rank: #24754

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chester, SC
• Population (ZIP): 19,181

Population outlook (Chester County) Hauer SSP2

• Today (2025): 30,121 people
• By 2030: 28,700 · -4.7%
• By 2040: 25,784 · -14.4%
• By 2050: 23,001 · -23.6%
• By 2075: 17,770 · -41.0%
• By 2100: 13,584 · -54.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (53%)
• Race & ethnicity: White 53% Black 41% Hispanic / Latino 3% Two or more races 3%
• Common ancestry: Serbian 4% Slovak 1% Romanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Chester

• 2024 margin: R (+17.2) · D 40.8% · R 58.0% · Other 1.1%
• 2008→2024 swing: -25.5pp toward R · 2008: 8.3pp · 2024: -17.2pp
• All cycles: 2024: R+17.2 2020: R+10.9 2016: R+4.8 2012: D+10.5 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -35.18%
• Current HPI: 259.4461
• 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

-52.3% since first listed

16 events — show timeline

• 2026-05-21 Listed $102,500 CANOPYMLS as Distributed by MLS Grid
• 2023-03-07 Sold (Public Records) $163,000 Public Records
• 2023-03-06 Sold (MLS) $163,000 CANOPYMLS as Distributed by MLS Grid
• 2023-01-15 Pending — CANOPYMLS as Distributed by MLS Grid
• 2023-01-03 Price Changed $165,000 CANOPYMLS as Distributed by MLS Grid
• 2022-12-23 Price Changed $169,000 CANOPYMLS as Distributed by MLS Grid
• 2022-11-07 Price Changed $177,000 CANOPYMLS as Distributed by MLS Grid
• 2022-10-22 Price Changed $178,000 CANOPYMLS as Distributed by MLS Grid
• 2022-10-02 Price Changed $180,000 CANOPYMLS as Distributed by MLS Grid
• 2022-09-28 Price Changed $190,000 CANOPYMLS as Distributed by MLS Grid
• 2022-09-23 Price Changed $197,400 CANOPYMLS as Distributed by MLS Grid
• 2022-09-19 Price Changed $197,500 CANOPYMLS as Distributed by MLS Grid
• 2022-09-16 Price Changed $198,000 CANOPYMLS as Distributed by MLS Grid
• 2022-09-13 Price Changed $199,000 CANOPYMLS as Distributed by MLS Grid
• 2022-09-06 Price Changed $205,000 CANOPYMLS as Distributed by MLS Grid
• 2022-08-31 Listed $215,000 CANOPYMLS as Distributed by MLS Grid

Property tax history

+22.6%/yr

Latest (2025): $6,198 · +6.3% YoY. Source: county tax records.