302 S Bridge St · Belmont, OH 43718

$180,000

3 bd · 1.0 ba · 1,248 sqft · SingleFamily public records · 1 Days on market

Built 1900 7,405 sqft 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 +23.8/30.0
• DSCR +7.6/10.0
• ARV discount +7.5/15.0
• 1% rule +5.2/10.0
• Schools +4.2/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

If you love the charm of an older home & original woodwork, but also desire a chic boho aesthetic, then you have found your next home! Call today to see this modern charmer at 302 South Bridge Street! Three bedrooms and a dedicated first floor office that could easily be made into bedroom four if that is your need. The kitchen features an island and pantry and is just steps away from the formal dining area flanked by tall ceilings and stunning woodwork. The massive pocket doors flow into the huge living room where you'll love curling up with a good book and a cup of coffee. There are many updates to this home including windows, metal roof, central air & furnace, to name a few. The gravel parking pad behind the home is large enough for 3-4 vehicles and the shed in the yard stays. Conveniently located only minutes away from Interstate 70 access and all of the outdoor amenities offered at Barkcamp State Park.

Key facts

• 7,405 sq ft lot
• Built 1900

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $344 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).

Location & tenants

• Location reads 67/100 on livability (#597 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: crime C-, amenities F, commute F.
• Union Local (rural): math 39% / reading 60% proficiency, ranked #450 of 656 in OH (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 67 active listings in the ZIP; 4 units permitted in Belmont County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Belmont County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 6y 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

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $180,000

Questions for the listing agent

1. Built in 1900 — 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 B-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: 1.02% ✓
• Cap rate: 8.59%
• Cash-on-cash: 8.20%
• DSCR: 1.36
• GRM: 8.2

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: -3.9%
• Equity multiple: 0.86×
• Total profit: $-7,298
• Equity at exit: $26,839

10-year hold

• IRR: 5.8%
• Equity multiple: 1.43×
• Total profit: $21,649
• Equity at exit: $15,563

Cash invested: $50,400 (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 43718

• Home prices YoY: -17.3%
• Active inventory: 67
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,836 medium
• Mortgage (P&I): −$944
• Tax from tax record: −$87 /mo · $1,048/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$386
• Net cashflow: $344

Break-even live

Break-even rent $1,400

Max offer price $180,000

Occupancy floor 76%

Sensitivity live

Price	-10% $446	-5% $395	+0% $344	+5% $293	+10% $242
Rent	-10% $199	-5% $272	+0% $344	+5% $417	+10% $489
Rate	-1.0pp $435	-0.5pp $390	base $344	+0.5pp $298	+1.0pp $250

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-12
   pricestatuslisting id $180,000 Pending 1 DOM
2. 2026-05-26
   listed $174,900 Active
3. 2023-05-02
   soldstatus $199,333
4. 2023-05-01
   status Pending 931-char remark

   Show marketing remark (931 chars)

   If you love the charm of an older home & original woodwork, but also desire a chic boho aesthetic, then you have found your next home! Call today to see this modern charmer at 302 South Bridge Street! Three bedrooms and a dedicated first floor office that could easily be made into bedroom four if that is your need. The kitchen features an island and pantry and is just steps away from the formal dining area flanked by tall ceilings and stunning woodwork. The massive pocket doors flow into the huge living room where you'll love curling up with a good book and a cup of coffee. There are many updates to this home including windows, metal roof, central air & furnace, to name a few. The gravel parking pad behind the home is large enough for 3-4 vehicles and the shed in the yard stays. Conveniently located only minutes away from Interstate 70 access and all of the outdoor amenities offered at Barkcamp State Park.

5. 2023-04-28
   soldstatus $149,500 Closed 931-char remark

   Show marketing remark (931 chars)

   If you love the charm of an older home & original woodwork, but also desire a chic boho aesthetic, then you have found your next home! Call today to see this modern charmer at 302 South Bridge Street! Three bedrooms and a dedicated first floor office that could easily be made into bedroom four if that is your need. The kitchen features an island and pantry and is just steps away from the formal dining area flanked by tall ceilings and stunning woodwork. The massive pocket doors flow into the huge living room where you'll love curling up with a good book and a cup of coffee. There are many updates to this home including windows, metal roof, central air & furnace, to name a few. The gravel parking pad behind the home is large enough for 3-4 vehicles and the shed in the yard stays. Conveniently located only minutes away from Interstate 70 access and all of the outdoor amenities offered at Barkcamp State Park.

6. 2023-03-23
   historical Contingent 931-char remark

   Show marketing remark (931 chars)

   If you love the charm of an older home & original woodwork, but also desire a chic boho aesthetic, then you have found your next home! Call today to see this modern charmer at 302 South Bridge Street! Three bedrooms and a dedicated first floor office that could easily be made into bedroom four if that is your need. The kitchen features an island and pantry and is just steps away from the formal dining area flanked by tall ceilings and stunning woodwork. The massive pocket doors flow into the huge living room where you'll love curling up with a good book and a cup of coffee. There are many updates to this home including windows, metal roof, central air & furnace, to name a few. The gravel parking pad behind the home is large enough for 3-4 vehicles and the shed in the yard stays. Conveniently located only minutes away from Interstate 70 access and all of the outdoor amenities offered at Barkcamp State Park.

7. 2023-03-20
   listed $149,900 Active 931-char remark

   Show marketing remark (931 chars)

   If you love the charm of an older home & original woodwork, but also desire a chic boho aesthetic, then you have found your next home! Call today to see this modern charmer at 302 South Bridge Street! Three bedrooms and a dedicated first floor office that could easily be made into bedroom four if that is your need. The kitchen features an island and pantry and is just steps away from the formal dining area flanked by tall ceilings and stunning woodwork. The massive pocket doors flow into the huge living room where you'll love curling up with a good book and a cup of coffee. There are many updates to this home including windows, metal roof, central air & furnace, to name a few. The gravel parking pad behind the home is large enough for 3-4 vehicles and the shed in the yard stays. Conveniently located only minutes away from Interstate 70 access and all of the outdoor amenities offered at Barkcamp State Park.

8. 2020-06-15
   soldstatus $110,000 679-char remark

   Show marketing remark (679 chars)

   What a Darling Home ready to call your own!! Beautiful curb appeal!! Lots of new updates to this wonderful home including newer furnace and A/C unit, downstairs flooring, windows, roof, tub/shower, kitchen countertops and sink, living room and dining room ceilings. Extra room down stairs could be made into a 4th bedroom if needed. Bedroom closets are spacious & large kitchen pantry that everyone wants in a home. Original beautiful woodwork throughout home that you will admire. Close to many areas. Minutes from I-70, stores, parks, schools. Plenty of parking behind house for all of your gatherings & a shed for your handyman needs!! Call today to view this home

9. 2020-05-21
   listed $125,000 679-char remark

   Show marketing remark (679 chars)

   What a Darling Home ready to call your own!! Beautiful curb appeal!! Lots of new updates to this wonderful home including newer furnace and A/C unit, downstairs flooring, windows, roof, tub/shower, kitchen countertops and sink, living room and dining room ceilings. Extra room down stairs could be made into a 4th bedroom if needed. Bedroom closets are spacious & large kitchen pantry that everyone wants in a home. Original beautiful woodwork throughout home that you will admire. Close to many areas. Minutes from I-70, stores, parks, schools. Plenty of parking behind house for all of your gatherings & a shed for your handyman needs!! Call today to view this home

10. 1996-09-18
    soldstatus $21,500
11. 1996-07-11
    soldstatus $20,000

ⓘ 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: $1,048 · $87/mo
• Projected year-2 tax: $1,928 · $161/mo
• Expected delta: +$880/yr (+$73/mo · 84.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,034
• − Mortgage interest: −$10,083
• − Property taxes: −$1,048
• − Insurance: −$900
• − Repairs & maintenance: −$1,763
• − Management: −$1,763
• − Depreciation: −$5,236
• Taxable income: $1,241
• Est. tax owed @ 24.0%: −$298
• After-tax cash flow: $3,833/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: Union Local
• NCES district ID: 3904601
• Math proficiency: 39% ▼ -13.00%
• Reading proficiency: 60% ▼ -5.00%
• Median HH income: $44,288
• Composite: 41.74/100
• National rank: #3402
• State rank: #450 of 656 in OH

Livability — Belmont

• Score: 67/100
• State rank: #597
• US rank: #10218

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Belmont, OH
• County: Belmont · 63,139 people
• Metro: Wheeling, WV-OH
• Population (ZIP): 2,810
• Household income: $74,719
• Rent vs Own: 12.4% rent · 87.6% own

Population outlook (Belmont County) Hauer SSP2

• Today (2025): 66,568 people
• By 2030: 64,818 · -2.6%
• By 2040: 60,702 · -8.8%
• By 2050: 56,427 · -15.2%
• By 2075: 46,222 · -30.6%
• By 2100: 34,611 · -48.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (99%)
• Race & ethnicity: White 99%
• Common ancestry: Romanian 6% Slovak 2% Serbian 1%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Belmont

• 2024 margin: Solid R (+47.3) · D 26.0% · R 73.3%
• 2008→2024 swing: -50.0pp toward R · 2008: 2.7pp · 2024: -47.3pp
• All cycles: 2024: R+47.3 2020: R+43.6 2016: R+39.5 2012: R+8.4 2008: D+2.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -40.55%
• Current HPI: 193.7508
• Rent YoY: —
• Metro: —
• 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

+774.5% since first listed

10 events — show timeline

• 2026-05-26 Listed $174,900 FSBO.com
• 2023-05-02 Sold (Public Records) $199,333 Public Records
• 2023-05-01 Pending — MLSNOW
• 2023-04-28 Sold (MLS) $149,500 MLSNOW
• 2023-03-23 Contingent — MLSNOW
• 2023-03-20 Listed $149,900 MLSNOW
• 2020-06-15 Sold (MLS) $110,000 MLSNOW
• 2020-05-21 Listed $125,000 MLSNOW
• 1996-09-18 Sold (Public Records) $21,500 Public Records
• 1996-07-11 Sold (Public Records) $20,000 Public Records

Property tax history

+4.9%/yr

Latest (2025): $1,048 · +3.9% YoY. Source: county tax records.