139 Centervale Ave · Youngstown, OH 44512

$100,000

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 2 Days on market

Built 1959 8,712 sqft lot Est $149k · 33% under

---

Why this score? — see what drove the B 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 +15.0/15.0
• DSCR +8.4/10.0
• 1% rule +6.5/10.0
• Schools +5.7/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this 3 bedroom, 1 bath ranch located in the highly sought after Boardman School District. This home sits in a beautiful neighborhood and offers a wonderful chance for someone with vision to make it shine. Whether you're an investor or a buyer who doesn't mind rolling up your sleeves, this property has the potential to become something truly special. Inside, you'll find a simple and easy layout that makes the home feel open and comfortable. The bedrooms offer nice space and natural light, giving you a solid starting point for updates or personal touches. The living areas are ready for new ideas, and the kitchen has room to grow into a warm and welcoming space. Outside, the detache

Key facts

• Room for play
• Room for relaxing
• Room for gardening

Tags

• DETACHED 2 CAR GARAGE
• ROOM FOR GARDENING
• ROOM FOR PLAY
• ROOM FOR RELAXING

Property features AI

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer
• Home design: Single-story home; Vinyl siding exterior
• Construction: Built per public records; Block foundation; Asphalt shingle roof
• Exterior features: Chain-link fencing; Separate garage structure

Interior

• Bedrooms: 3 main-level bedrooms
• Bathrooms: 1 full bathroom (on main level)
• Heating & cooling: Central air conditioning; Forced-air gas heating
• Interior features: Full basement; Total of 7 rooms; Property listed as fixer condition

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Cap rate 9.1% vs local median 7.0% in Youngstown — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Boardman Local (urban): math 63% / reading 71% proficiency, ranked #189 of 656 in OH (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+6.6%/yr); 136 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $28k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 31y 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.
• Current owner paid $72k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $100,000

Questions for the listing agent

1. Built in 1959 — 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. 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?
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: 1.15% ✓
• Cap rate: 9.06%
• Cash-on-cash: 9.90%
• DSCR: 1.44
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $148,720
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
31 Rockdale Ave	0.25mi	3/1.0	1,005 (-3%)	2mo	$150,000	$149	81
96 Aylesboro Ave	0.15mi	2/2.0 (-1)	1,003 (-4%)	1mo	$140,000	$140	77
7352 Westview Dr	0.42mi	3/2.0	1,032 (-1%)	1mo	$139,500	$135	75
107 Oakley Ave	0.20mi	3/1.0	1,122 (+8%)	8mo	$152,500	$136	71
6721 Glenwood Ave	0.21mi	2/1.0 (-1)	1,141 (+10%)	8mo	$130,000	$114	62
7014 Trenholm Rd	0.32mi	3/1.0	1,128 (+8%)	11mo	$235,000	$208	62
79 Woodview Ave	0.54mi	3/1.0	1,089 (+5%)	8mo	$161,000	$148	60
7443 Sugartree Dr	0.65mi	3/2.0	988 (-5%)	1mo	$200,000	$202	56
7450 Ranier Ave	0.65mi	3/1.0	1,120 (+8%)	1mo	$219,000	$196	56
7038 Southern Blvd	0.66mi	3/1.0	1,008 (-3%)	10mo	$125,000	$124	56
6180 Northlawn Ave	0.62mi	3/2.0	1,120 (+8%)	3mo	$160,000	$143	52
90 Woodrow Ave	0.70mi	3/1.5	1,170 (+12%)	11mo	$109,900	$94	36

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 · 6.56% rent growth · sell at horizon

5-year hold

• IRR: 2.5%
• Equity multiple: 1.10×
• Total profit: $2,772
• Equity at exit: $14,910

10-year hold

• IRR: 15.2%
• Equity multiple: 2.44×
• Total profit: $40,185
• Equity at exit: $8,646

Cash invested: $28,000 (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 44512

• Home prices YoY: -21.0%
• Rents YoY: 6.6%
• Active inventory: 136
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,147 high
• Mortgage (P&I): −$524
• Tax from tax record: −$109 /mo · $1,312/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $231

Break-even live

Break-even rent $855

Max offer price $100,000

Occupancy floor 75%

Sensitivity live

Price	-10% $288	-5% $259	+0% $231	+5% $203	+10% $174
Rent	-10% $140	-5% $186	+0% $231	+5% $276	+10% $322
Rate	-1.0pp $281	-0.5pp $256	base $231	+0.5pp $205	+1.0pp $179

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7125 Locust Ave Unit 7125-11 Youngstown, OH	2.0	1.0	880	$950	$1.08	22d	1	0.20mi
7116 Claybourne Ave Youngstown, OH	3.0	1.5	1020	$1,600	$1.57	22d	1	0.27mi
500 Boardman Canfield Rd Youngstown, OH	1.0–2.0	1.0–1.5	821	$1,005	$1.22	14d	1	0.51mi
86 Ferncliff Ave Youngstown, OH	2.0	1.0	1027	$1,200	$1.17	22d	1	0.58mi
80 Romaine Ave Unit B Youngstown, OH	2.0	1.0	1000	$795	$0.80	14d	1	0.67mi
7059 West Blvd Boardman, OH	2.0	1.0–2.0	561	$960	$1.71	14d	1	0.79mi
20 Southwoods Ave Unit 23 Youngstown, OH	2.0	1.0	700	$850	$1.21	22d	1	0.93mi
360 Shields Rd Unit 360 Youngstown, OH	2.0	1.0	974	$925	$0.95	22d	1	1.27mi
413 Mathews Rd Boardman, OH	2.0	1.0	1000	$1,200	$1.20	44d	1	1.42mi
457 Mathews Rd Boardman, OH	3.0	1.0	1200	$1,300	$1.08	44d	1	1.49mi

Listing history 3 events

1. 2026-06-19
   days on market $100,000 Active 2 DOM
2. 2026-06-17
   remarks 699-char remark
3. 2026-06-17
   listed $100,000 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: $1,312 · $109/mo
• Projected year-2 tax: $1,436 · $120/mo
• Expected delta: +$124/yr (+$10/mo · 9.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 10% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,768
• − Mortgage interest: −$5,602
• − Property taxes: −$1,312
• − Insurance: −$500
• − Repairs & maintenance: −$1,101
• − Management: −$1,101
• − Depreciation: −$2,909
• Taxable income: $1,243
• Est. tax owed @ 24.0%: −$298
• After-tax cash flow: $2,474/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: Boardman Local
• NCES district ID: 3904830
• Math proficiency: 63% ▼ -13.00%
• Reading proficiency: 71% ▼ -8.00%
• Median HH income: $47,613
• Composite: 56.62/100
• National rank: #1142
• State rank: #189 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mahoning County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 32,536
• Household income: $63,317
• Rent vs Own: 33.0% rent · 67.0% own
• Severe rent burden: 910.0

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Black 9% Two or more races 6% Hispanic / Latino 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 6% Lithuanian 1% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 2% Arabic 2% Other Indo-European 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.75%
• Current HPI: 213.1446
• Rent YoY: ▲ 6.56%
• Metro: Youngstown-Warren-Boardman, OH-PA
• 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

+127.3% since first listed

7 events — show timeline

• 2026-06-17 Listed $100,000 MLSNOW
• 2002-03-23 Listing Removed — MLSNOW
• 2001-09-23 Listed $79,000 MLSNOW
• 1999-12-13 Sold (Public Records) $72,000 Public Records
• 1999-10-19 Listed $74,900 MLSNOW
• 1995-04-08 Listed $69,900 MLSNOW
• 1987-03-09 Sold (Public Records) $44,000 Public Records

Property tax history

-2.6%/yr

Latest (2025): $1,312 · -3.5% YoY. Source: county tax records.