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With a $300K budget, you can buy pretty much anywhere you want in the Columbia area. If you want to be closer to the city, look around Forest Acres, but if you don't mind a 10-15 minute drive into the city from the 'burbs then check out the Blythewood area.
Your criteria is met by most of Columbia and the burbs, you really haven't narrowed anything down. LOL
What do you consider a "painless" commute. Most of the burbs you are looking at 20 minutes or more depending on the exact location, which is high for SC but not too bad compared to the rest of the country. As nin_man said, with your budget and expectations there are very few areas that would be out of reach. $300k can get you a lot of home around here, and in an excellent school district.
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