1434 Oregon Ave · Steubenville, OH 43952

$85,000

3 bd · 1.0 ba · 1,340 sqft · SingleFamily public records · 130 Days on market

Built 1918 3,049 sqft lot $63/sqft · 244% above area

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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
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• ARV discount +7.5/15.0
• Schools +6.0/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great opportunity for both owner-occupants and investors alike! Beautifully updated 4 bedroom, 1 bath home conveniently located within minutes of Franciscan University of Steubenville and close to shopping and dining. The home features new flooring and fresh paint throughout and offers large rooms with a functional layout. The living room showcases an open entry accented by decorative columns, adding character while maintaining an open, airy feel. The main level includes a foyer, living room, kitchen, and one bedroom. Three additional bedrooms are located upstairs along with a full bathroom and a large hallway closet. The home also features a full basement with a separate side entrance, providing additional living, storage, or flexible-use potential. Off-street parking is available in front of the home, along with space for approximately 3-4 vehicles behind the property. For investors, the property offers strong rental potential in a convenient location near the university. Previous renters paid $1,000 per month plus utilities. Room sizes and layout provide flexibility for a variety of living arrangements and needs. Schedule your tour today!

Key facts

• Open entry
• Foyer
• Large rooms

Tags

• UPDATED HOME
• LARGE ROOMS
• FUNCTIONAL LAYOUT
• OPEN ENTRY
• DECORATIVE COLUMNS
• FOYER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $389 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $75k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.8% 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: schools A+, commute A+, cost of living 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.
• 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 $588 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 130 days — a 12% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $35k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $8k; list at $85k implies a 962% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1918 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $74,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 130 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1918 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.35% ✓
• Cap rate: 11.78%
• Cash-on-cash: 19.60%
• DSCR: 1.87
• GRM: 6.2

CMA / ARV

• ARV (median comp): $24,697
• List price: $85,000
• Delta: 244.17%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1219 Oregon Ave	0.24mi	3/1.0	1,364 (+2%)	6mo	$120,500	$88	81
1222 Oregon Ave	0.23mi	3/1.0	1,424 (+6%)	3mo	$12,500	$9	76
1952 Mccauslen Mnr	0.45mi	3/2.0	1,308 (-2%)	0mo	$255,000	$195	71
1312 Wellesley Ave	0.15mi	3/2.0	1,470 (+10%)	5mo	$31,000	$21	69
507 Highland Ave	0.54mi	2/1.0 (-1)	1,304 (-3%)	1mo	$23,000	$18	64
2012 Fairmont Ave	0.58mi	3/1.0	1,408 (+5%)	1mo	$142,500	$101	63
301 Mckee St	0.57mi	3/1.0	1,214 (-9%)	1mo	$25,000	$21	57
316 Henry Ave	0.55mi	3/1.5	1,200 (-10%)	2mo	$115,000	$96	53
1113 State St	0.66mi	3/2.0	1,232 (-8%)	1mo	$135,000	$110	51
413 N 6th St	0.72mi	3/1.0	1,450 (+8%)	7mo	$60,000	$41	47
1810 Mary Ave	0.56mi	3/1.0	1,538 (+15%)	7mo	$136,000	$88	43
742 Broadway Blvd	0.56mi	4/3.0 (+1)	1,235 (-8%)	7mo	$156,500	$127	42

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: 11.6%
• Equity multiple: 1.46×
• Total profit: $10,954
• Equity at exit: $12,674

10-year hold

• IRR: 20.6%
• Equity multiple: 2.74×
• Total profit: $41,307
• Equity at exit: $7,349

Cash invested: $23,800 (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 43952

• Active inventory: 98
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,146 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$36 /mo · $427/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $389

Break-even live

Break-even rent $654

Max offer price $85,000

Occupancy floor 61%

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: $21,250
• Closing costs: $2,550
• 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	43d	1	0.26mi

Listing history 24 events

1. 2026-06-19
   days on market $85,000 Active 130 DOM
2. 2026-06-18
   days on market $85,000 Active 129 DOM
3. 2026-06-17
   days on market $85,000 Active 128 DOM
4. 2026-06-16
   days on market $85,000 Active 127 DOM
5. 2026-06-15
   days on market $85,000 Active 126 DOM
6. 2026-06-14
   days on market $85,000 Active 124 DOM
7. 2026-06-12
   days on market $85,000 Active 123 DOM
8. 2026-06-09
   days on market $85,000 Active 120 DOM
9. 2026-06-08
   pricedays on market $85,000 Active 119 DOM
10. 2026-06-07
    days on market $99,000 Active 118 DOM
11. 2026-06-05
    days on market $99,000 Active 116 DOM
12. 2026-06-04
    days on market $99,000 Active 114 DOM
13. 2026-06-02
    days on market $99,000 Active 113 DOM
14. 2026-06-01
    days on market $99,000 Active 112 DOM
15. 2026-05-31
    days on market $99,000 Active 111 DOM
16. 2026-05-31
    days on market $99,000 Active 110 DOM
17. 2026-05-10
    price $99,000 1159-char remark

    Show marketing remark (1159 chars)

    Great opportunity for both owner-occupants and investors alike! Beautifully updated 4 bedroom, 1 bath home conveniently located within minutes of Franciscan University of Steubenville and close to shopping and dining. The home features new flooring and fresh paint throughout and offers large rooms with a functional layout. The living room showcases an open entry accented by decorative columns, adding character while maintaining an open, airy feel. The main level includes a foyer, living room, kitchen, and one bedroom. Three additional bedrooms are located upstairs along with a full bathroom and a large hallway closet. The home also features a full basement with a separate side entrance, providing additional living, storage, or flexible-use potential. Off-street parking is available in front of the home, along with space for approximately 3-4 vehicles behind the property. For investors, the property offers strong rental potential in a convenient location near the university. Previous renters paid $1,000 per month plus utilities. Room sizes and layout provide flexibility for a variety of living arrangements and needs. Schedule your tour today!

18. 2026-04-13
    price $105,000 1159-char remark

    Show marketing remark (1159 chars)

    Great opportunity for both owner-occupants and investors alike! Beautifully updated 4 bedroom, 1 bath home conveniently located within minutes of Franciscan University of Steubenville and close to shopping and dining. The home features new flooring and fresh paint throughout and offers large rooms with a functional layout. The living room showcases an open entry accented by decorative columns, adding character while maintaining an open, airy feel. The main level includes a foyer, living room, kitchen, and one bedroom. Three additional bedrooms are located upstairs along with a full bathroom and a large hallway closet. The home also features a full basement with a separate side entrance, providing additional living, storage, or flexible-use potential. Off-street parking is available in front of the home, along with space for approximately 3-4 vehicles behind the property. For investors, the property offers strong rental potential in a convenient location near the university. Previous renters paid $1,000 per month plus utilities. Room sizes and layout provide flexibility for a variety of living arrangements and needs. Schedule your tour today!

19. 2026-03-18
    price $110,000 1159-char remark

    Show marketing remark (1159 chars)

    Great opportunity for both owner-occupants and investors alike! Beautifully updated 4 bedroom, 1 bath home conveniently located within minutes of Franciscan University of Steubenville and close to shopping and dining. The home features new flooring and fresh paint throughout and offers large rooms with a functional layout. The living room showcases an open entry accented by decorative columns, adding character while maintaining an open, airy feel. The main level includes a foyer, living room, kitchen, and one bedroom. Three additional bedrooms are located upstairs along with a full bathroom and a large hallway closet. The home also features a full basement with a separate side entrance, providing additional living, storage, or flexible-use potential. Off-street parking is available in front of the home, along with space for approximately 3-4 vehicles behind the property. For investors, the property offers strong rental potential in a convenient location near the university. Previous renters paid $1,000 per month plus utilities. Room sizes and layout provide flexibility for a variety of living arrangements and needs. Schedule your tour today!

20. 2026-02-09
    listed $120,000 Active 1159-char remark

    Show marketing remark (1159 chars)

    Great opportunity for both owner-occupants and investors alike! Beautifully updated 4 bedroom, 1 bath home conveniently located within minutes of Franciscan University of Steubenville and close to shopping and dining. The home features new flooring and fresh paint throughout and offers large rooms with a functional layout. The living room showcases an open entry accented by decorative columns, adding character while maintaining an open, airy feel. The main level includes a foyer, living room, kitchen, and one bedroom. Three additional bedrooms are located upstairs along with a full bathroom and a large hallway closet. The home also features a full basement with a separate side entrance, providing additional living, storage, or flexible-use potential. Off-street parking is available in front of the home, along with space for approximately 3-4 vehicles behind the property. For investors, the property offers strong rental potential in a convenient location near the university. Previous renters paid $1,000 per month plus utilities. Room sizes and layout provide flexibility for a variety of living arrangements and needs. Schedule your tour today!

21. 2024-11-05
    soldstatus $8,000 Closed 287-char remark

    Show marketing remark (287 chars)

    Priced to sell! In need of some TLC, but has lots of potential. This property can be purchased in a package with 1507 Oregon Ave, 1403 Steele Ave, 1302 State St, and 118 Logan St. The seller is asking for $150k if a buyer elects to purchase the whole portfolio. Call today for a showing!

22. 2024-10-21
    status Pending 287-char remark

    Show marketing remark (287 chars)

    Priced to sell! In need of some TLC, but has lots of potential. This property can be purchased in a package with 1507 Oregon Ave, 1403 Steele Ave, 1302 State St, and 118 Logan St. The seller is asking for $150k if a buyer elects to purchase the whole portfolio. Call today for a showing!

23. 2024-04-26
    listed $20,000 Active 287-char remark

    Show marketing remark (287 chars)

    Priced to sell! In need of some TLC, but has lots of potential. This property can be purchased in a package with 1507 Oregon Ave, 1403 Steele Ave, 1302 State St, and 118 Logan St. The seller is asking for $150k if a buyer elects to purchase the whole portfolio. Call today for a showing!

24. 2000-02-08
    soldstatus $14,000

ⓘ 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: $427 · $36/mo
• Projected year-2 tax: $876 · $73/mo
• Expected delta: +$450/yr (+$37/mo · 105.3%)

ⓘ 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: $13,753
• − Mortgage interest: −$4,761
• − Property taxes: −$427
• − Insurance: −$425
• − Repairs & maintenance: −$1,100
• − Management: −$1,100
• − Depreciation: −$2,473
• Taxable income: $3,466
• Est. tax owed @ 24.0%: −$832
• After-tax cash flow: $3,832/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

+607.1% since first listed

8 events — show timeline

• 2026-05-10 Price Changed $99,000 MLSNOW
• 2026-04-13 Price Changed $105,000 MLSNOW
• 2026-03-18 Price Changed $110,000 MLSNOW
• 2026-02-09 Listed $120,000 MLSNOW
• 2024-11-05 Sold (MLS) $8,000 MLSNOW
• 2024-10-21 Pending — MLSNOW
• 2024-04-26 Listed $20,000 MLSNOW
• 2000-02-08 Sold (Public Records) $14,000 Public Records

Property tax history

+6.2%/yr

Latest (2025): $427 · +1.5% YoY. Source: county tax records.