527 White St · Toledo, OH 43605

$76,900

3 bd · 1.0 ba · 1,190 sqft · SingleFamily public records · 9 Days on market

Built 1905 5,134 sqft lot Est $75k · at est.

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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 +9.3/10.0
• ARV discount +6.3/15.0
• Rent growth +3.8/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this 3 bedroom, 2 bath home. Bonus room currently used as a play room. Spacious living/dining room combo. Newer windows and Hot water tank. Off street parking in the rear. Large fenced in back yard. Easy access to Downtown Toledo and Glass City Metropark. Schedule your showing today!

Key facts

• 5,134 sq ft lot
• Built 1905
• Listed 8 days

Property features AI

Exterior

• Parking: Accessible parking; Off-street parking
• Security: Smoke detectors; Carbon monoxide detectors
• Utilities: Cable available and connected; Electricity connected (100 amp service); Natural gas available and connected; Public water available and connected; Public / sanitary sewer
• Home design: Single-family house; Two levels / two stories; Not attached to other structures; No common walls
• Construction: Vinyl siding; Block foundation; Built year per public records
• Exterior features: Asphalt roof; Level lot; City street frontage; Asphalt road surface

Interior

• Kitchen: Convection oven
• Bedrooms: Primary and additional bedrooms located on the upper level; Bedroom dimensions include an 11 x 10 room, an 8 x 11 room, and a 10 x 8 room
• Flooring: Carpet; Vinyl; Wood
• Bathrooms: One full bathroom and one half bathroom (1.5 total)
• Heating & cooling: Forced air heating (natural gas); Ceiling fan cooling
• Interior features: Ceiling fans; Window screens; Finished basement
• Laundry & utility: Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $77k.

Deal economics

• At list price, monthly cash flow is $363 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $77k).
• Cap rate 12.0% vs local median 7.6% in Toledo — 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 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, crime F, commute F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Raymer Elementary School (math 14% / reading 16%, grade F, #1,377 of 1,584 statewide, top 87%, 424 students, 0% FRL); Waite High School (math 12% / reading 24%, grade F, #687 of 781 statewide, top 88%, 997 students, 0% FRL) — zoned schools average 0% FRL vs 72% district-wide (72 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+5.4%/yr); 119 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).
• This rent runs 34% of the median local income ($39k/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 $532 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 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 $62k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1905 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $76,900

Questions for the listing agent

1. Built in 1905 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 1.43% ✓
• Cap rate: 11.96%
• Cash-on-cash: 20.23%
• DSCR: 1.90
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $74,970
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1940 Hurd St	0.41mi	3/1.0	1,200 (+1%)	4mo	$99,900	$83	76
256 Midvale Ave	0.44mi	3/1.0	1,180 (-1%)	4mo	$137,300	$116	75
1129 Camden St	0.40mi	3/1.0	1,260 (+6%)	4mo	$55,000	$44	68
2017 Kelsey Ave	0.58mi	3/1.0	1,152 (-3%)	1mo	$119,900	$104	66
1133 Nevada St	0.14mi	2/1.0 (-1)	1,044 (-12%)	4mo	$36,000	$34	65
1012 Idaho St	0.31mi	3/1.0	1,041 (-12%)	0mo	$84,900	$82	64
463 Howland Ave	0.32mi	3/1.0	1,027 (-14%)	4mo	$65,000	$63	58
937 Berry St	0.66mi	3/1.0	1,282 (+8%)	3mo	$63,000	$49	54
635 Milton St	0.66mi	3/1.0	1,096 (-8%)	4mo	$36,500	$33	52
427 Walden Ave	0.64mi	3/2.0	1,290 (+8%)	1mo	$51,000	$40	52
150 E Broadway St	0.71mi	3/1.0	1,048 (-12%)	1mo	$20,000	$19	47
1320 Mott Ave	0.73mi	4/1.0 (+1)	1,299 (+9%)	4mo	$85,400	$66	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 · 5.37% rent growth · sell at horizon

5-year hold

• IRR: 15.0%
• Equity multiple: 1.62×
• Total profit: $13,344
• Equity at exit: $11,466

10-year hold

• IRR: 25.4%
• Equity multiple: 3.46×
• Total profit: $52,942
• Equity at exit: $6,649

Cash invested: $21,532 (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 43605

• Home prices YoY: -25.6%
• Rents YoY: 5.4%
• Active inventory: 119
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,098 high
• Mortgage (P&I): −$403
• Tax from tax record: −$69 /mo · $829/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $363

Break-even live

Break-even rent $639

Max offer price $76,900

Occupancy floor 62%

Sensitivity live

Price	-10% $407	-5% $385	+0% $363	+5% $341	+10% $320
Rent	-10% $276	-5% $320	+0% $363	+5% $406	+10% $450
Rate	-1.0pp $402	-0.5pp $383	base $363	+0.5pp $343	+1.0pp $323

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: $19,225
• Closing costs: $2,307
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
557 Valleywood Dr Toledo, OH	3.0	1.0	848	$1,100	$1.30	44d	1	0.14mi
1123 Nevada St Toledo, OH	2.0	1.0	792	$900	$1.14	15d	1	0.15mi
1614 Nevada St Toledo, OH	2.0	1.0	1172	$1,000	$0.85	22d	1	0.18mi
724 Plymouth St Toledo, OH	2.0	1.0	819	$750	$0.92	44d	1	0.26mi
508 Howland Ave Toledo, OH	3.0	1.0	840	$1,000	$1.19	44d	1	0.30mi
1505 Navarre Ave Toledo, OH	3.0	1.0	1331	$1,145	$0.86	44d	1	0.32mi
571 Howland Ave Toledo, OH	2.0	1.0	874	$875	$1.00	44d	1	0.33mi
653 Oswald St Toledo, OH	2.0	1.0	920	$800	$0.87	44d	1	0.37mi
948 White St Toledo, OH	3.0	1.0	1024	$1,135	$1.11	15d	1	0.41mi
223 Valleywood Dr Toledo, OH	2.0	1.0	1098	$1,099	$1.00	24d	1	0.46mi
29 Garfield Pl Toledo, OH	4.0	2.0	1300	$1,250	$0.96	15d	1	0.48mi
1106 White St Toledo, OH	3.0	1.0	1200	$1,015	$0.85	15d	1	0.52mi
420 Platt St Toledo, OH	2.0	1.0	1499	$685	$0.46	22d	1	0.56mi
414 Platt St Unit ST-3 Toledo, OH	3.0	1.0	1500	$1,150	$0.77	24d	1	0.57mi
908 Forsythe St Unit Upstairs Toledo, OH	2.0	1.0	1164	$900	$0.77	15d	1	0.58mi
908 Forsythe St Unit Downstairs Toledo, OH	3.0	1.0	1164	$950	$0.82	44d	1	0.58mi
2074 Starr Ave Toledo, OH	3.0	1.0	1115	$1,025	$0.92	24d	1	0.59mi
921 Berry St Toledo, OH	4.0	1.0	1204	$1,350	$1.12	15d	1	0.63mi
2129 Nevada St Toledo, OH	3.0	1.0	1352	$1,200	$0.89	15d	1	0.67mi
537 Potter St Toledo, OH	2.0	1.0	1200	$625	$0.52	24d	1	0.68mi
722 Coyne Ave Toledo, OH	2.0	1.0	900	$1,000	$1.11	15d	1	0.73mi
1306 Mott Ave Toledo, OH	3.0	1.5	1282	$1,149	$0.90	44d	1	0.73mi
470 2nd St Unit 1 Toledo, OH	2.0	1.0	950	$799	$0.84	44d	1	0.73mi
732 Coyne Ave Toledo, OH	3.0	1.0	968	$1,145	$1.18	15d	1	0.74mi
221 Licking St Unit 2 Toledo, OH	3.0	1.0	1048	$1,099	$1.05	24d	1	0.75mi
1305 Mott Ave Toledo, OH	3.0	1.0	1080	$1,000	$0.93	44d	1	0.75mi
946 Butler St Toledo, OH	2.0	1.0	944	$650	$0.69	44d	1	0.80mi
834 Oak St Toledo, OH	3.0	1.0	1064	$900	$0.85	44d	1	0.85mi
1205 Liberty St Unit NA Toledo, OH	3.0	1.0	864	$1,195	$1.38	44d	1	0.87mi
128 Carbon St Toledo, OH	3.0	1.0	1113	$1,200	$1.08	24d	1	0.89mi
950 Oak St Unit 1 Toledo, OH	2.0	1.0	725	$700	$0.97	44d	1	0.95mi
20 Greenwood Ave Toledo, OH	3.0	1.0	1496	$1,150	$0.77	15d	1	1.01mi
625 Riverside Dr Toledo, OH	1.0–2.0	1.0–2.0	860	$1,767	$2.05	15d	37	1.02mi
1537 Carlyle St Toledo, OH	2.0	1.0	800	$800	$1.00	24d	1	1.27mi
1848 Genesee St Toledo, OH	3.0	1.0	1069	$1,200	$1.12	44d	1	1.27mi
1848 Genesee St Toledo, OH	3.0	1.0	1069	$1,300	$1.22	24d	1	1.27mi
1964 Burr St Toledo, OH	3.0	1.0	1159	$1,250	$1.08	44d	1	1.31mi
1119 N Summit St Toledo, OH	2.0	2.0	1500	$1,890	$1.26	44d	1	1.37mi
1119 N Summit St Toledo, OH	2.0	2.0	1226	$1,750	$1.43	24d	1	1.37mi
1119 N Summit St Toledo, OH	1.0–2.0	1.0–2.0	1023	$1,750	$1.71	15d	2	1.37mi

Listing history 7 events

1. 2026-06-21
   days on market $76,900 Active 9 DOM
2. 2026-06-18
   days on market $76,900 Active 6 DOM
3. 2026-06-17
   days on market $76,900 Active 5 DOM
4. 2026-06-16
   days on market $76,900 Active 4 DOM
5. 2026-06-15
   days on market $76,900 Active 3 DOM
6. 2026-06-14
   remarks 208-char remark
7. 2026-06-14
   listed $76,900 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: $829 · $69/mo
• Projected year-2 tax: $1,015 · $85/mo
• Expected delta: +$185/yr (+$15/mo · 22.3%)

ⓘ 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 ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,177
• − Mortgage interest: −$4,308
• − Property taxes: −$829
• − Insurance: −$384
• − Repairs & maintenance: −$1,054
• − Management: −$1,054
• − Depreciation: −$2,237
• Taxable income: $3,310
• Est. tax owed @ 24.0%: −$794
• After-tax cash flow: $3,562/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 24,441
• Household income: $39,118
• Rent vs Own: 51.9% rent · 48.1% own
• Severe rent burden: 1257.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 57% Hispanic / Latino 21% Black 14% Two or more races 14%
• Hispanic origin (detail): Mexican 17% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7% Arabic 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.85%
• Current HPI: 138.6894
• Rent YoY: ▲ 5.37%
• Metro: Toledo, 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

+208.8% since first listed

18 events — show timeline

• 2026-06-12 Listed $76,900 NORIS
• 2026-04-03 Listing Removed — NORIS
• 2025-10-14 Price Changed $62,500 NORIS
• 2025-10-14 Price Changed $30,000 NORIS
• 2025-09-29 Price Changed $79,900 NORIS
• 2025-09-05 Listed $89,900 NORIS
• 2025-08-27 Coming Soon — NORIS
• 2024-01-05 Sold (MLS) $62,500 NORIS
• 2024-01-04 Pending — NORIS
• 2023-11-20 Contingent — NORIS
• 2023-09-25 Relisted — NORIS
• 2023-09-18 Contingent — NORIS
• 2023-08-23 Listed $69,900 NORIS
• 2023-08-11 Coming Soon $69,900 NORIS
• 2020-12-04 Sold (MLS) $30,000 NORIS
• 2020-08-21 Listed $36,500 NORIS
• 1999-01-11 Sold (Public Records) $34,000 Public Records
• 1987-11-23 Sold (Public Records) $24,900 Public Records

Property tax history

+13.6%/yr

Latest (2025): $829 · +1.8% YoY. Source: county tax records.