1302 Oregon Ave · Steubenville, OH 43952

$109,000

3 bd · 1.0 ba · 1,285 sqft · SingleFamily public records · 4 Days on market

Built 1916 2,613 sqft lot Est $113k · at est.

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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
• ARV discount +9.1/15.0
• DSCR +8.4/10.0
• Schools +6.0/10.0
• 1% rule +5.4/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this spacious 4 bedroom, 1 bathroom home offering nearly 1,300 square feet of comfortable living space, perfect for families, first-time buyers, or investors! Step inside to find new flooring throughout the entire first floor and a fresh coat of paint throughout the home, giving it a clean, move-in ready feel from the moment you walk through the door. Enjoy relaxing on the covered front porch, and rest easy knowing the entire home has a brand new roof. Take advantage of the detached double car garage located conveniently off the backyard, ideal for extra storage or parking. This home is located close to all essential amenities and public transportation, making daily errands and c

Key facts

• Covered front porch
• Fresh coat of paint
• Brand new roof

Tags

• NEW FLOORING
• FRESH COAT OF PAINT
• COVERED FRONT PORCH
• BRAND NEW ROOF
• DETACHED DOUBLE CAR GARAGE
• CLOSE TO ESSENTIAL AMENITIES

Property features AI

Exterior

• Parking: Detached 2-car garage
• Utilities: Public water; Public sewer
• Home design: 2-story home; Vinyl siding exterior; Aluminum roof
• Construction: Built (year per public records); Vinyl siding construction; Aluminum roof; Full unfinished basement
• Exterior features: Small lot (0.06 acres)

Interior

• Bedrooms: One main-level bedroom
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (gas)
• Interior features: Full unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $109k.

Deal economics

• At list price, monthly cash flow is $252 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $109k).
• Cap rate 9.1% vs local median 5.2% in Steubenville — 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 76/100 on livability (#214 in OH, #3,318 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F.
• Steubenville City (urban): math 74% / reading 71% proficiency, ranked #150 of 656 in OH (top 23%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Zoned schools: Pugliese Elementary West (math 92% / reading 92%, grade A+, #13 of 1,584 statewide, top 1%, 480 students, 0% FRL); Harding Middle School (math 68% / reading 61%, grade A-, #205 of 654 statewide, top 34%, 752 students, 0% FRL); Steubenville High School (math 72% / reading 77%, grade B+, #69 of 781 statewide, top 10%, 699 students, 0% FRL) — zoned schools average 0% FRL vs 54% district-wide (54 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 98 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $754 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Jefferson County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 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

• Watch-outs: built in 1916 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,000

Questions for the listing agent

1. Built in 1916 — 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 A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 9.07%
• Cash-on-cash: 9.93%
• DSCR: 1.44
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $113,080
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1510 Pennsylvania Ave	0.21mi	3/1.0	1,281 (-0%)	8mo	$50,500	$39	83
1219 Oregon Ave	0.08mi	3/1.0	1,364 (+6%)	6mo	$120,500	$88	81
1222 Oregon Ave	0.07mi	3/1.0	1,424 (+11%)	3mo	$12,500	$9	76
507 Highland Ave	0.38mi	2/1.0 (-1)	1,304 (+2%)	2mo	$23,000	$18	73
1952 Mccauslen Mnr	0.55mi	3/2.0	1,308 (+2%)	0mo	$255,000	$195	67
301 Mckee St	0.50mi	3/1.0	1,214 (-6%)	1mo	$25,000	$21	66
1312 Wellesley Ave	0.06mi	3/2.0	1,470 (+14%)	5mo	$31,000	$21	65
316 Henry Ave	0.50mi	3/1.5	1,200 (-7%)	2mo	$115,000	$96	62
1113 State St	0.60mi	3/2.0	1,232 (-4%)	1mo	$135,000	$110	60
2012 Fairmont Ave	0.74mi	3/1.0	1,408 (+10%)	1mo	$142,500	$101	48
413 N 6th St	0.56mi	3/1.0	1,450 (+13%)	7mo	$60,000	$41	46
742 Broadway Blvd	0.72mi	4/3.0 (+1)	1,235 (-4%)	7mo	$156,500	$127	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -1.4%
• Equity multiple: 0.95×
• Total profit: $-1,631
• Equity at exit: $16,252

10-year hold

• IRR: 8.2%
• Equity multiple: 1.63×
• Total profit: $19,084
• Equity at exit: $9,424

Cash invested: $30,520 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Ohio: 73 Landlord-Friendly · R+6
• County: — inherits STATE
• City: — inherits STATE

3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

Methodology + full state rankings →

ZIP-level market 43952

• Active inventory: 98
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,135 medium
• Mortgage (P&I): −$572
• Tax from tax record: −$27 /mo · $329/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$238
• Net cashflow: $252

Break-even live

Break-even rent $816

Max offer price $109,000

Occupancy floor 73%

Sensitivity live

Price	-10% $314	-5% $283	+0% $252	+5% $222	+10% $191
Rent	-10% $163	-5% $208	+0% $252	+5% $297	+10% $342
Rate	-1.0pp $307	-0.5pp $280	base $252	+0.5pp $224	+1.0pp $196

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1646 Ridge Ave Steubenville, OH	3.0	1.0	1220	$700	$0.57	45d	1	0.41mi

Listing history 5 events

1. 2026-06-19
   days on market $109,000 Active 4 DOM
2. 2026-06-18
   days on market $109,000 Active 3 DOM
3. 2026-06-17
   days on market $109,000 Active 2 DOM
4. 2026-06-16
   remarks 699-char remark
5. 2026-06-16
   listed $109,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

• Current annual tax: $329 · $27/mo
• Projected year-2 tax: $1,015 · $85/mo
• Expected delta: +$686/yr (+$57/mo · 208.5%)

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,624
• − Mortgage interest: −$6,106
• − Property taxes: −$329
• − Insurance: −$545
• − Repairs & maintenance: −$1,090
• − Management: −$1,090
• − Depreciation: −$3,171
• Taxable income: $1,294
• Est. tax owed @ 24.0%: −$311
• After-tax cash flow: $2,719/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: Steubenville City
• NCES district ID: 3904482
• Math proficiency: 74% ▼ -15.00%
• Reading proficiency: 71% ▼ -11.00%
• Median HH income: $29,668
• Composite: 59.52/100
• National rank: #920
• State rank: #150 of 656 in OH

Livability — Steubenville

• Score: 76/100
• State rank: #214
• US rank: #3318

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Steubenville, OH
• County: Jefferson County · 17,836 people
• City population: 17,836
• Metro: Weirton-Steubenville, WV-OH
• Population (ZIP): 17,836
• Household income: $47,624
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 601.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 63,481 people
• By 2030: 61,067 · -3.8%
• By 2040: 55,860 · -12.0%
• By 2050: 51,236 · -19.3%
• By 2075: 41,804 · -34.1%
• By 2100: 32,344 · -49.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 13% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Romanian 5% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Jefferson

• 2024 margin: Solid R (+43.9) · D 27.5% · R 71.4% · Other 1.1%
• 2008→2024 swing: -44.1pp toward R · 2008: 0.2pp · 2024: -43.9pp
• All cycles: 2024: R+43.9 2020: R+38.4 2016: R+35.7 2012: R+5.5 2008: D+0.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -124.13%
• Current HPI: 183.5034
• Rent YoY: —
• Metro: Weirton-Steubenville, WV-OH
• State GDP YoY: ▲ 1.98%
• F500 in state: 48

Industry mix (Fortune 500 HQ in OH)

Industry	F500 HQs	Revenue
▸Insurance	3	$145B
▸Industrial Machinery	3	$49B
▸Financial Services	3	$24B
▸Consumer Goods	2	$93B
▸Aerospace / Defense	2	$47B
▸Utilities	2	$33B

Price history

+319.2% since first listed

14 events — show timeline

• 2026-06-15 Listed $109,000 MLSNOW
• 2026-01-12 Listing Removed — MLSNOW
• 2025-12-02 Contingent — MLSNOW
• 2025-11-12 Price Changed $64,900 MLSNOW
• 2025-09-15 Relisted — MLSNOW
• 2025-08-02 Contingent — MLSNOW
• 2025-07-24 Listed $74,900 MLSNOW
• 2025-05-09 Rental Removed $750 REALBIRD
• 2025-03-23 Listed for Rent $750 REALBIRD
• 2025-01-26 Rental Removed $799 REALBIRD
• 2025-01-25 Listed for Rent $799 REALBIRD
• 2020-01-09 Sold (Public Records) $116,000 Public Records
• 2007-08-02 Sold (Public Records) $21,000 Public Records
• 1995-11-09 Sold (Public Records) $26,000 Public Records

Property tax history

-1.8%/yr

Latest (2025): $329 · +1.5% YoY. Source: county tax records.