3234 Oakridge Dr · Dayton, OH
Flood risk 7/10 · Major
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.96%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $713 – $1,323
Heat risk 3/10 · Minor
- Hot days now (above 104°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 0.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +26.8/30.0
- DSCR +9.2/10.0
- ARV discount +7.5/15.0
- 1% rule +6.3/10.0
- Rent growth +3.5/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +1.3/10.0
- Appreciation +0.0/10.0
$99,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
Key facts
- Modern appliances
- Rustic brick
- Practical backyard
Tags
Property features AI
Finance
- Financial info: Offered for sale
Exterior
- Parking: No garage
- Utilities: Public water and sewer (standard residential utilities implied)
- Home design: Single-story home
- Construction: Vinyl siding
- Exterior features: Residential lot (approximately 0.136 acres / 5,942 sq ft)
Interior
- Kitchen: Main-level kitchen (11 x 12)
- Bedrooms: Three bedrooms on the main level (9 x 11; 11 x 12; 14 x 14)
- Bathrooms: One full bathroom (main level)
- Heating & cooling: Central air conditioning; Forced-air heating (natural gas)
- Interior features: Full, unfinished basement; 6 total rooms
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $99k.
Deal economics
- At list price, monthly cash flow is $216 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $99k).
- Recommended offer: $96k (3.0% below list) — sets the bar for market timing.
- Cap rate 9.6% vs local median 7.4% in Dayton — 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 65/100 on livability (#716 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools C-, amenities C-, crime F.
- Dayton City (urban): math 12% / reading 21% proficiency, ranked #641 of 656 in OH (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising fast (+4.1%/yr); 135 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 907 units permitted in Montgomery County in 2024 (416 in 5+ unit buildings).
- This rent runs 36% of the median local income ($37k/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 $684 of loan paydown is wiped out by about $3k 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.
- At projected returns (-3.0% appreciation + 4.1% rent growth), your $28k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- It's been on market 58 days — a 3% lower offer ($96k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 2y ago; this cycle's ask has dropped $11k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: flood insurance adds $56/mo; built in 1929 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 58 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.13% ✓
- Cap rate
- 9.58%
- Cash-on-cash
- 11.75%
- DSCR
- 1.52
- GRM
- 7.3
CMA / ARV
- ARV (on-the-fly)
- $52,272
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 728 Leland Ave | 0.53mi | 3/1.0 | 1,210 (+2%) | 2mo | $130,900 | $108 | 70 |
| 3717 Dandridge Ave | 0.58mi | 3/1.5 | 1,200 (+1%) | 2mo | $132,000 | $110 | 67 |
| 504 N Upland Ave | 0.30mi | 3/1.0 | 1,044 (-12%) | 1mo | $70,000 | $67 | 66 |
| 1209 Kammer Ave | 0.53mi | 3/1.0 | 1,248 (+5%) | 4mo | $40,000 | $32 | 64 |
| 233 Westwood Ave | 0.62mi | 3/1.0 | 1,236 (+4%) | 1mo | $45,000 | $36 | 64 |
| 4317 Midway Ave | 0.53mi | 4/1.0 (+1) | 1,148 (-3%) | 2mo | $50,000 | $44 | 63 |
| 400 Burleigh Ave | 0.37mi | 3/1.0 | 1,064 (-10%) | 5mo | $31,790 | $30 | 62 |
| 352 Huron Ave | 0.55mi | 2/1.0 (-1) | 1,240 (+4%) | 2mo | $40,000 | $32 | 60 |
| 236 Elmhurst Rd | 0.58mi | 2/1.0 (-1) | 1,245 (+5%) | 2mo | $54,900 | $44 | 59 |
| 532 Crestmore Ave | 0.27mi | 4/1.0 (+1) | 1,325 (+12%) | 7mo | $95,000 | $72 | 58 |
| 32 S Plaza Ave | 0.70mi | 2/1.0 (-1) | 1,218 (+2%) | 3mo | $34,000 | $28 | 56 |
| 3819 Dandridge Ave | 0.56mi | 3/1.0 | 1,061 (-11%) | 2mo | $45,000 | $42 | 54 |
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 · 4.06% rent growth · sell at horizon
- IRR
- -1.0%
- Equity multiple
- 0.96×
- Total profit
- $-1,079
- Equity at exit
- $14,761
- IRR
- 9.7%
- Equity multiple
- 1.79×
- Total profit
- $21,872
- Equity at exit
- $8,560
Cash invested: $27,720 (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
ZIP-level market 45417
- Home prices YoY
- -32.3%
- Rents YoY
- 4.1%
- Active inventory
- 135
- Price-to-rent
- 7.3×
Monthly cashflow live
- Estimated rent
- $1,123 high interval (Pro) →
- Mortgage (P&I)
- −$519
- Tax from tax record
- −$56 /mo · $667/yr
- Insurance
- −$41
- Flood insurance flood zone
- −$56 /mo · $666/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$236
- Net cashflow
- $216
Break-even live
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
- $24,750
- Closing costs
- $2,970
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3925 Hoover Ave Dayton, OH | 2.0 | 1.0 | 936 | $1,100 | $1.18 | 3d | 1 | 0.27mi |
| 4109 Midway Ave Dayton, OH | 3.0 | 1.0 | 971 | $1,000 | $1.03 | 3d | 1 | 0.41mi |
| 863 N Upland Ave Dayton, OH | 3.0 | 1.0 | 1042 | $1,200 | $1.15 | 44d | 1 | 0.48mi |
| 828 Walton Ave Unit 832 Walton Dayton, OH | 2.0 | 1.0 | 750 | $795 | $1.06 | 24d | 1 | 0.63mi |
| 617 Westwood Ave Dayton, OH | 3.0 | 1.0 | 1304 | $1,050 | $0.81 | 44d | 1 | 0.67mi |
| 137 Westwood Ave Dayton, OH | 2.0 | 1.0 | 784 | $900 | $1.15 | 3d | 1 | 0.68mi |
| 920 Huron Ave Dayton, OH | 2.0 | 1.0 | 950 | $995 | $1.05 | 3d | 1 | 0.79mi |
| 1816 N James H McGee Blvd Unit C Dayton, OH | 3.0 | 1.0 | 950 | $1,150 | $1.21 | 3d | 1 | 0.87mi |
| 1816 N James H McGee Blvd Apt A Dayton, OH | 3.0 | 1.0 | 950 | $1,200 | $1.26 | 3d | 1 | 0.87mi |
| 1816 N James H McGee Blvd Apt B Dayton, OH | 3.0 | 1.0 | 950 | $1,150 | $1.21 | 44d | 1 | 0.87mi |
| 70 Gramont Ave Dayton, OH | 3.0 | 1.5 | 966 | $1,300 | $1.35 | 3d | 1 | 0.87mi |
| 4625 Gardendale Ave Dayton, OH | 3.0 | 1.0 | 864 | $1,150 | $1.33 | 3d | 1 | 0.88mi |
| 437 Lorenz Ave Dayton, OH | 3.0 | 1.0 | 1322 | $1,200 | $0.91 | 24d | 1 | 0.96mi |
| 342 Lookout Ave Dayton, OH | 2.0 | 1.0 | 800 | $775 | $0.97 | 44d | 1 | 0.97mi |
| 342 Lookout Ave Dayton, OH | 2.0 | 1.0 | 800 | $750 | $0.94 | 3d | 1 | 0.97mi |
| 660 Gramont Ave Dayton, OH | 3.0 | 1.0 | 1142 | $1,050 | $0.92 | 3d | 1 | 0.98mi |
| 635 Anna St Dayton, OH | 3.0 | 1.0 | 960 | $1,300 | $1.35 | 14d | 1 | 0.99mi |
| 216 N Ardmore Ave Dayton, OH | 3.0 | 1.0 | 1500 | $1,100 | $0.73 | 3d | 1 | 1.01mi |
| 4576 Live Oak Dr Dayton, OH | 3.0 | 1.0 | 864 | $1,400 | $1.62 | 44d | 1 | 1.05mi |
| 3222 Athens Ave Unit C Dayton, OH | 2.0 | 1.0 | 700 | $700 | $1.00 | 44d | 1 | 1.06mi |
| 725 Maplehurst Ave Dayton, OH | 2.0 | 1.0 | 1104 | $895 | $0.81 | 44d | 1 | 1.08mi |
| 4914 Gardendale Ave Dayton, OH | 4.0 | 1.0 | 960 | $1,125 | $1.17 | 44d | 1 | 1.08mi |
| 500 Bowie Dr Unit 122 Dayton, OH | 2.0 | 1.0 | 850 | $910 | $1.07 | 44d | 1 | 1.13mi |
| 1045 Shakespeare Ave Dayton, OH | 3.0 | 1.0 | 1435 | $1,275 | $0.89 | 44d | 1 | 1.17mi |
| 3220 Princeton Dr Dayton, OH | 3.0 | 1.0 | 900 | $1,000 | $1.11 | 44d | 1 | 1.18mi |
| 1498 Elaine St Dayton, OH | 3.0 | 1.0 | 864 | $1,025 | $1.19 | 3d | 1 | 1.18mi |
| 1045 Philadelphia Dr Dayton, OH | 2.0 | 1.0 | 1290 | $1,150 | $0.89 | 3d | 1 | 1.20mi |
| 1595 Elaine St Dayton, OH | 3.0 | 1.0 | 864 | $950 | $1.10 | 3d | 1 | 1.26mi |
| 1427 Stuben Dr Dayton, OH | 3.0 | 1.0 | 957 | $900 | $0.94 | 3d | 1 | 1.32mi |
| 126 Bluecrest Ave Dayton, OH | 2.0 | 1.0 | 840 | $1,000 | $1.19 | 14d | 1 | 1.35mi |
| 3552 Stanford Pl Unit 3552 Dayton, OH | 2.0 | 1.0 | 800 | $800 | $1.00 | 44d | 1 | 1.38mi |
| 3552 Stanford Pl Dayton, OH | 2.0 | 1.0 | 800 | $800 | $1.00 | 24d | 1 | 1.38mi |
| 3672 Karwin Dr Unit 3672 Dayton, OH | 2.0 | 1.0 | 1500 | $995 | $0.66 | 44d | 1 | 1.40mi |
| 3668 Karwin Dr Unit 3672 Dayton, OH | 2.0 | 1.0 | 1500 | $995 | $0.66 | 24d | 1 | 1.41mi |
| 40 S Mathison St Dayton, OH | 3.0 | 1.0 | 1300 | $1,200 | $0.92 | 14d | 1 | 1.41mi |
| 42 S Mathison St Dayton, OH | 3.0 | 1.0 | 1300 | $1,220 | $0.94 | 3d | 1 | 1.41mi |
| 623 Clifton Dr Apt B Dayton, OH | 2.0 | 1.0 | 1200 | $1,174 | $0.98 | 3d | 1 | 1.42mi |
| 623 Clifton Dr Apt A Dayton, OH | 2.0 | 1.0 | 1200 | $1,200 | $1.00 | 3d | 1 | 1.42mi |
| 3207 Cornell Dr Dayton, OH | 3.0 | 1.0 | 1168 | $1,000 | $0.86 | 3d | 1 | 1.43mi |
| 5336 Rockport Ave Dayton, OH | 3.0 | 1.0 | 925 | $1,025 | $1.11 | 44d | 1 | 1.47mi |
Listing history 38 events
-
2026-06-18days on market $99,000 Active 58 DOM
-
2026-06-17days on market $99,000 Active 57 DOM
-
2026-06-16days on market $99,000 Active 56 DOM
-
2026-06-15days on market $99,000 Active 55 DOM
-
2026-06-14days on market $99,000 Active 53 DOM
-
2026-06-13days on market $99,000 Active 52 DOM
-
2026-06-10days on market $99,000 Active 50 DOM
-
2026-06-09days on market $99,000 Active 49 DOM
-
2026-06-08days on market $99,000 Active 48 DOM
-
2026-06-07days on market $99,000 Active 47 DOM
-
2026-06-05days on market $99,000 Active 44 DOM
-
2026-06-03days on market $99,000 Active 43 DOM
-
2026-06-02days on market $99,000 Active 42 DOM
-
2026-06-01days on market $99,000 Active 41 DOM
-
2026-05-31days on market $99,000 Active 40 DOM
-
2026-05-01status Pending
-
2026-04-13price $99,000
-
2026-04-08price $105,000
-
2026-03-26$110,000 Active
-
2026-01-31historical $1,100
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2026-01-15price $1,100
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2025-12-06$1,200
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2024-11-16historical $1,200
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2024-10-29soldstatus $105,000
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2024-10-23$1,200
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2024-10-21soldstatus $105,000 Sold 671-char remark
Show marketing remark (671 chars)
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
-
2024-10-21soldstatus $105,000 Closed 671-char remark
Show marketing remark (671 chars)
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
-
2024-08-15status Pending 671-char remark
Show marketing remark (671 chars)
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
-
2024-08-01price $109,950 671-char remark
Show marketing remark (671 chars)
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
-
2024-07-29$115,950 Active 671-char remark
Show marketing remark (671 chars)
It is time for you to turn this house into a home. This three bedroom home has been expertly renovated while maintaining its previous charm. The hardwood floors have been refinished in the dining room, livingroom, and hallway. New luxury vinyl planks have been installed in the kitchen and bathroom, and the three bedrooms have received new carpet. The bathroom was remodeled and a new roof and gutters were put on in 2024. The basement has also been professionally waterproofed and comes with a transferable lifetime warranty. For continued peace of mind, the seller will include a home warranty at the seller's expense and is willing to provide a credit for appliances.
-
2024-06-05soldstatus $60,000
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2024-05-24soldstatus $60,000 Sold 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
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2024-05-24soldstatus $60,000 Closed 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
-
2024-05-15historical Active/Pending 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
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2024-05-13price $75,000 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
-
2024-04-26status Active 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
-
2024-04-14status Pending 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
-
2024-04-10$80,000 Active 443-char remark
Show marketing remark (443 chars)
Nice family home good place to raise your family, one time owner, this home has Original Hardwood floors, updated windows Over size Main Bedroom, located near stores & lots of business you can sit out on the large front porch & just enjoy the atmosphere. make this home your own. Don't let this one get away! Sold as is, with not much to do so you can make it your own. Seller is motivated and will entertain any reasonable offers.
ⓘ 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
- $667 · $56/mo
- Projected year-2 tax
- $1,106 · $92/mo
- Expected delta
- +$439/yr (+$37/mo · 65.7%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 7/10 Severe FEMA zone X (unshaded) · 96% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 3/10 Moderate 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
- Wind 2/10 Low 0% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $13,479
- − Mortgage interest
- −$5,546
- − Property taxes
- −$667
- − Insurance
- −$1,162
- − Repairs & maintenance
- −$1,078
- − Management
- −$1,078
- − Depreciation
- −$2,880
- Taxable income
- $1,068
- Est. tax owed @ 24.0%
- −$256
- After-tax cash flow
- $2,333/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
- Dayton City
- NCES district ID
- 3904384
- Math proficiency
- 12% ▼ -12.00%
- Reading proficiency
- 21% ▼ -11.00%
- Median HH income
- $28,688
- Composite
- 12.94/100
- National rank
- #9579
- State rank
- #641 of 656 in OH
Livability — Dayton
- Score
- 65/100
- State rank
- #716
- US rank
- #12895
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Dayton, OH
- County
- Montgomery County · 459,541 people
- City population
- 164,387
- Metro
- Dayton-Kettering, OH
- Population (ZIP)
- 28,186
- Household income
- $36,945
- Rent vs Own
- Severe rent burden
- 1822.0
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 Black (71%)
- Race & ethnicity
- Black 71% White 20% Two or more races 8% Hispanic / Latino 3%
- Common ancestry
- Romanian 0%
- Foreign-born
- 3% · Canada
- Languages at home
- 96% English-only · Spanish 2% French/Haitian/Cajun 1%
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
- ▼ -92.43%
- Current HPI
- 193.4175
- Rent YoY
- ▲ 4.06%
- Metro
- Dayton-Kettering, OH
- State GDP YoY
- ▲ 1.98%
- F500 in state
- 48
Industry mix (Fortune 500 HQ in OH)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Insurance | 3 | $145B |
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| Industrial Machinery | 3 | $49B |
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| Financial Services | 3 | $24B |
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| Consumer Goods | 2 | $93B |
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| Aerospace / Defense | 2 | $47B |
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| Utilities | 2 | $33B |
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Price history
+23.8% since first listed23 events — show timeline
- 2026-05-01 Pending — Dayton MLS
- 2026-04-13 Price Changed $99,000 Dayton MLS
- 2026-04-08 Price Changed $105,000 Dayton MLS
- 2026-03-26 Listed $110,000 Dayton MLS
- 2026-01-31 Rental Removed $1,100 BUILDIUM
- 2026-01-15 Price Changed $1,100 BUILDIUM
- 2025-12-06 Listed for Rent $1,200 BUILDIUM
- 2024-11-16 Rental Removed $1,200 BUILDIUM
- 2024-10-29 Sold (Public Records) $105,000 Public Records
- 2024-10-23 Listed for Rent $1,200 BUILDIUM
- 2024-10-21 Sold (MLS) $105,000 Dayton MLS
- 2024-10-21 Sold (MLS) $105,000 Dayton MLS
- 2024-08-15 Pending — Dayton MLS
- 2024-08-01 Price Changed $109,950 Dayton MLS
- 2024-07-29 Listed $115,950 Dayton MLS
- 2024-06-05 Sold (Public Records) $60,000 Public Records
- 2024-05-24 Sold (MLS) $60,000 Dayton MLS
- 2024-05-24 Sold (MLS) $60,000 Dayton MLS
- 2024-05-15 Contingent — Dayton MLS
- 2024-05-13 Price Changed $75,000 Dayton MLS
- 2024-04-26 Relisted — Dayton MLS
- 2024-04-14 Pending — Dayton MLS
- 2024-04-10 Listed $80,000 Dayton MLS
Property tax history
+5.6%/yrLatest (2025): $667 · -0.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…