307 N 6th St · Cambridge, OH 43725

$110,000

4 bd · 1.5 ba · 1,620 sqft · SingleFamily public records · 1 Days on market

5,227 sqft lot Est $154k · 29% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home aint a mansion, but at this price, it could be your castle! 4 bedroom / 1.5 bath with plenty of room for a big family. This home is on a quiet, tree lined street on the north side of Cambridge. Home includes fenced back yard with mature shade trees, large living room and kitchen and the roof was done in 2010 so it has plenty of life in it. There is a back porch thats perfect for taking in nature on this semi wooded lot. Owner has done plenty of work to get this home ready, including, fresh paint, some new carpet and various updates over the years like vinyl windows. This is an excellent opportunity for a first time home buyer or investment buyer. Call today for a showing!

Key facts

• Peaceful back porch
• First-floor living
• Mature shade trees

Tags

• FIRST-FLOOR LIVING
• FIRST-FLOOR LAUNDRY ROOM
• UPDATED VINYL WINDOWS
• PEACEFUL BACK PORCH
• PARTIALLY FENCED YARD
• MATURE SHADE TREES

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Single family residence; Two levels; No common walls
• Construction: Year built not specified; Other foundation
• Exterior features: Patio

Interior

• Bedrooms: One main-level bedroom
• Flooring: Wood flooring; Carpet flooring; Vinyl flooring
• Bathrooms: 1 full bathroom; 1 half bathroom (1.5 total)
• Heating & cooling: Window unit air conditioning
• Interior features: Decorative fireplace (1); Cellar basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $604 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Cap rate 12.9% vs local median 5.7% in Cambridge — 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 68/100 on livability (#579 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities D-, commute F, employment D-.
• Cambridge City (town): math 28% / reading 42% proficiency, ranked #565 of 656 in OH (top 86%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 90 active listings in the ZIP; 37 units permitted in Guernsey County in 2024 (0 in 5+ unit buildings).
• This rent runs 38% of the median local income ($52k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Guernsey County population projected at -20% 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 $31k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 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.
• Current owner paid $50k; list at $110k implies a 120% gain — meaningful room to come down on a strong offer.

Recommended offer $110,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.50% ✓
• Cap rate: 12.88%
• Cash-on-cash: 23.54%
• DSCR: 2.05
• GRM: 5.5

CMA / ARV

• ARV (on-the-fly): $153,900
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
308 N 6th St	0.02mi	4/1.5	1,700 (+5%)	4mo	$7,000	$4	87
424 Gomber Ave	0.11mi	3/1.5 (-1)	1,600 (-1%)	9mo	$50,000	$31	80
604 N 5th St	0.28mi	3/1.0 (-1)	1,476 (-9%)	1mo	$40,000	$27	64
428 Foster Ave	0.23mi	4/1.0	1,408 (-13%)	6mo	$69,000	$49	61
506 N 10th	0.42mi	3/1.5 (-1)	1,528 (-6%)	7mo	$185,000	$121	60
1408 Stewart Ave	0.69mi	3/1.5 (-1)	1,642 (+1%)	4mo	$182,000	$111	57
215 N 10th St	0.37mi	3/1.5 (-1)	1,756 (+8%)	10mo	$166,250	$95	55
532 Orchard Ave	0.42mi	3/1.5 (-1)	1,433 (-12%)	3mo	$174,500	$122	54
620 N 9 St	0.41mi	3/1.5 (-1)	1,400 (-14%)	4mo	$222,000	$159	50
1412 Stewart Ave	0.70mi	3/1.5 (-1)	1,540 (-5%)	8mo	$142,000	$92	48
600 Orchard Ave	0.42mi	3/2.0 (-1)	1,381 (-15%)	9mo	$158,000	$114	41
721 Harrison Ave	0.53mi	3/1.0 (-1)	1,442 (-11%)	11mo	$90,000	$62	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: 16.6%
• Equity multiple: 1.67×
• Total profit: $20,645
• Equity at exit: $16,401

10-year hold

• IRR: 25.2%
• Equity multiple: 3.19×
• Total profit: $67,483
• Equity at exit: $9,511

Cash invested: $30,800 (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 43725

• Active inventory: 90
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,653 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$79 /mo · $944/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$347
• Net cashflow: $604

Break-even live

Break-even rent $888

Max offer price $110,000

Occupancy floor 58%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-06-18
   remarks 699-char remark
2. 2026-06-18
   listed $110,000 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: $944 · $79/mo
• Projected year-2 tax: $1,330 · $111/mo
• Expected delta: +$386/yr (+$32/mo · 40.8%)

ⓘ 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 4/10 Moderate 7 d/yr ≥99°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,832
• − Mortgage interest: −$6,162
• − Property taxes: −$944
• − Insurance: −$550
• − Repairs & maintenance: −$1,587
• − Management: −$1,587
• − Depreciation: −$3,200
• Taxable income: $5,802
• Est. tax owed @ 24.0%: −$1,393
• After-tax cash flow: $5,858/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: Cambridge City
• NCES district ID: 3904369
• Math proficiency: 28% ▼ -28.00%
• Reading proficiency: 42% ▼ -17.00%
• Median HH income: $33,874
• Composite: 28.76/100
• National rank: #6673
• State rank: #565 of 656 in OH

Livability — Cambridge

• Score: 68/100
• State rank: #579
• US rank: #9829

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cambridge, OH
• County: Guernsey · 34,843 people
• Population (ZIP): 19,728
• Household income: $51,612
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 12.5

Population outlook (Guernsey County) Hauer SSP2

• Today (2025): 37,281 people
• By 2030: 35,900 · -3.7%
• By 2040: 32,861 · -11.9%
• By 2050: 29,700 · -20.3%
• By 2075: 22,199 · -40.5%
• By 2100: 15,192 · -59.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 3% Slovak 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Guernsey

• 2024 margin: Solid R (+52.1) · D 23.6% · R 75.7%
• 2008→2024 swing: -43.0pp toward R · 2008: -9.1pp · 2024: -52.1pp
• All cycles: 2024: R+52.1 2020: R+48.4 2016: R+42.6 2012: R+9.7 2008: R+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -167.03%
• Current HPI: 197.722
• 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

+337.1% since first listed

5 events — show timeline

• 2026-06-18 Listed $110,000 CBRMLS
• 2020-09-26 Sold (MLS) $49,900 MLSNOW
• 2020-09-18 Sold (Public Records) $45,000 Public Records
• 2020-07-25 Listed $44,900 MLSNOW
• 2004-07-02 Sold (Public Records) $25,167 Public Records

Property tax history

+7.0%/yr

Latest (2025): $944 · +2.9% YoY. Source: county tax records.