8074 Lower Miamisburg Rd · Miamisburg, OH 45327

$200,000

3 bd · 1.5 ba · 1,416 sqft · SingleFamily public records · 1 Days on market

Built 1970 1.29 ac lot

---

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 +18.3/30.0
• ARV discount +7.5/15.0
• DSCR +5.7/10.0
• Schools +5.3/10.0
• 1% rule +4.9/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity awaits with this one-owner brick ranch situated on 1.3 acres in the Valley View School District. Offering timeless curb appeal, the home welcomes you with a circular driveway, covered front porch, and a spacious lot with room to enjoy quiet living. Inside, natural light fills the living room through a large picture window. The thoughtfully designed floor plan offers comfortable everyday living, with the kitchen opening seamlessly to the family room and providing convenient access to the oversized two-car garage. Three generously sized bedrooms feature ample closet space, including a primary suite with an attached bath, direct access to the laundry area, and access to the backyar

Key facts

• Covered front porch
• Large picture window
• Natural light

Tags

• BRICK RANCH
• CIRCULAR DRIVEWAY
• COVERED FRONT PORCH
• SPACIOUS LOT
• NATURAL LIGHT
• LARGE PICTURE WINDOW

Property features AI

Finance

• Financial info: Property offered for sale

Exterior

• Parking: Attached two-car garage with automatic door opener
• Utilities: Natural gas available; Well water; Septic system
• Home design: Single-story brick home
• Construction: Brick construction; Crawl space foundation
• Exterior features: 1.29-acre residential lot; Storage shed on property; Additional storage

Interior

• Kitchen: Refrigerator
• Bedrooms: Three main-level bedrooms (14 x 9; 11 x 10; 14 x 10)
• Bathrooms: Two full bathrooms (both on main level)
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: Kitchen open to family room; Double-hung vinyl windows
• Laundry & utility: Main-level laundry (6 x 5); Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $184 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (1.2% below list).
• Recommended offer: $198k (1.2% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 2.9% in Miamisburg — 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 (#228 in OH, #3,550 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety C-, amenities F, commute F.
• Valley View Local (suburban): math 54% / reading 69% proficiency, ranked #250 of 656 in OH (top 38%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 29 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 907 units permitted in Montgomery County in 2024 (416 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 $6k of value loss. Plan a longer hold.
• Montgomery County population projected at -10% 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.

Recommended offer $197,529 (1.2% below list)

Questions for the listing agent

1. Built in 1970 — 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: 0.99% ✗
• Cap rate: 7.39%
• Cash-on-cash: 3.93%
• DSCR: 1.17
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $400,728
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7519 Lower Miamisburg Rd	0.56mi	3/2.0	1,404 (-1%)	1mo	$340,000	$242	70
7300 Jamaica Rd	0.74mi	3/1.0	1,344 (-5%)	22mo	$380,000	$283	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.63×
• Total profit: $-20,694
• Equity at exit: $29,821

10-year hold

• IRR: -0.7%
• Equity multiple: 0.95×
• Total profit: $-2,861
• Equity at exit: $17,292

Cash invested: $56,000 (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 45327

• Active inventory: 29
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,975 medium
• Mortgage (P&I): −$1,049
• Tax from tax record: −$245 /mo · $2,938/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $184

Break-even live

Break-even rent $1,743

Max offer price $200,000

Occupancy floor 86%

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
136 Rogers Dr Germantown, OH	3.0	1.0	1118	$1,425	$1.27	2d	1	1.18mi
849 Johnson Ave Miamisburg, OH	4.0	2.5	1442	$2,500	$1.73	2d	1	1.40mi

Listing history 3 events

1. 2026-06-07
   status $200,000 Pending 1 DOM
2. 2026-06-02
   remarks 699-char remark
3. 2026-06-02
   listed $200,000 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: $2,938 · $245/mo
• Projected year-2 tax: $3,029 · $252/mo
• Expected delta: +$91/yr (+$8/mo · 3.1%)

ⓘ 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 ≥101°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,703
• − Mortgage interest: −$11,203
• − Property taxes: −$2,938
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,896
• − Management: −$1,896
• − Depreciation: −$5,818
• Taxable loss: −$1,048
• Est. tax savings @ 24.0%: +$252
• After-tax cash flow: $2,454/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: Valley View Local
• NCES district ID: 3904874
• Math proficiency: 54% ▼ -17.00%
• Reading proficiency: 69% ▼ -7.00%
• Median HH income: $60,457
• Composite: 53.26/100
• National rank: #1495
• State rank: #250 of 656 in OH

Livability — Miamisburg

• Score: 76/100
• State rank: #228
• US rank: #3550

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Montgomery · 506,435 people
• City population: 36,152
• Metro: Dayton-Kettering-Beavercreek, OH
• Population (ZIP): 8,949
• Household income: $84,538
• Rent vs Own: 16.9% rent · 83.1% own

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 523,241 people
• By 2030: 514,948 · -1.6%
• By 2040: 493,378 · -5.7%
• By 2050: 469,639 · -10.2%
• By 2075: 418,360 · -20.0%
• By 2100: 353,315 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Lithuanian 4% Italian 3% Slovak 2%
• Foreign-born: 0%

Political lean MEDSL · Montgomery

• 2024 margin: Toss-up / Even · D 49.8% · R 49.3%
• 2008→2024 swing: -5.8pp toward R · 2008: 6.2pp · 2024: 0.5pp
• All cycles: 2024: D+0.5 2020: D+2.2 2016: R+1.2 2012: D+3.1 2008: D+6.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -116.46%
• Current HPI: 198.3053
• 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

1 event — show timeline

• 2026-06-01 Listed $200,000 Dayton MLS

Property tax history

+4.4%/yr

Latest (2025): $2,938 · +6.7% YoY. Source: county tax records.