612 Ross St · Steubenville, OH 43952

$20,000

3 bd · 1.0 ba · 1,240 sqft · SingleFamily public records · 60 Days on market

Built 2009 2,178 sqft lot $16/sqft · 64% below area

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Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• Schools +6.0/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• 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

Handyman special with rare seller financing available for a purchase price of $20,000 with just $3,000 down and $355 per month for 48 months! Prefer to pay cash? Take advantage of the discounted cash price of only $15,000. Opportunities like this don’t come along often! Located in an up and coming area of Steubenville just minutes from Franciscan University of Steubenville, this fixer upper is packed with potential for the right buyer with vision. Whether you’re looking for your next investment project, a renovation opportunity, or a property you can transform into something truly special just the way YOU like it, this one is ready for a complete makeover. With strong demand for housing in the area and close proximity to the university, the possibilities here are wide open. Bring your tools, your contractor, and your imagination! Properties at this price point with flexible terms and in a location near Franciscan University are incredibly rare. Don’t miss your chance to turn this diamond in the rough into your next success story!

Key facts

• 2,178 sq ft lot
• Listed 59 days

🏷️ Possibly a rental listed for sale. The $20,000 price doesn't fit this home's estimated sale value (~$56,095) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $20k.

Deal economics

• At list price, monthly cash flow is $757 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $20k).
• Recommended offer: $19k (3.0% below list) — sets the bar for market timing.
• Cap rate 51.7% 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 $138 of loan paydown is wiped out by about $600 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 $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($19k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $19,400 (3.0% below list)

Questions for the listing agent

1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 5.63% ✓
• Cap rate: 51.73%
• Cash-on-cash: 162.27%
• DSCR: 8.22
• GRM: 1.5

CMA / ARV

• ARV (median comp): $56,095
• List price: $20,000
• Delta: -64.35%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
507 Highland Ave	0.22mi	2/1.0 (-1)	1,304 (+5%)	2mo	$23,000	$18	75
1201 Wellesley Ave	0.41mi	3/1.0	1,280 (+3%)	16mo	$128,000	$100	63
301 Mckee St	0.71mi	3/1.0	1,214 (-2%)	1mo	$25,000	$21	62
1242 Oregon Ave	0.49mi	3/1.0	1,248 (+1%)	17mo	$52,000	$42	62
421 Darlington Rd	0.28mi	3/1.0	1,341 (+8%)	15mo	$15,000	$11	61
1219 Oregon Ave	0.45mi	3/1.0	1,364 (+10%)	6mo	$120,500	$88	58
316 Henry Ave	0.73mi	3/1.5	1,200 (-3%)	2mo	$115,000	$96	57
1334 Oak Grove Ave	0.56mi	3/1.0	1,200 (-3%)	15mo	$86,000	$72	56
1510 Pennsylvania Ave	0.73mi	3/1.0	1,281 (+3%)	8mo	$50,500	$39	54
1222 Oregon Ave	0.46mi	3/1.0	1,424 (+15%)	3mo	$12,500	$9	51
1127 Wellesley Ave	0.36mi	4/1.0 (+1)	1,089 (-12%)	10mo	$132,000	$121	49
1501 Oregon Ave	0.69mi	2/1.0 (-1)	1,148 (-7%)	15mo	$28,000	$24	38

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: —
• Equity multiple: 9.04×
• Total profit: $45,003
• Equity at exit: $2,982

10-year hold

• IRR: —
• Equity multiple: 19.10×
• Total profit: $101,347
• Equity at exit: $1,729

Cash invested: $5,600 (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: 1.5×

Monthly cashflow live

• Estimated rent: $1,126 medium
• Mortgage (P&I): −$105
• Tax from tax record: −$19 /mo · $233/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$237
• Net cashflow: $757

Break-even live

Break-even rent $168

Max offer price $20,000

Occupancy floor 28%

Sensitivity live

Price	-10% $769	-5% $763	+0% $757	+5% $752	+10% $746
Rent	-10% $668	-5% $713	+0% $757	+5% $802	+10% $846
Rate	-1.0pp $767	-0.5pp $762	base $757	+0.5pp $752	+1.0pp $747

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: $5,000
• Closing costs: $600
• 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	44d	1	0.93mi

Listing history 19 events

1. 2026-06-19
   days on market $20,000 Active 60 DOM
2. 2026-06-18
   days on market $20,000 Active 59 DOM
3. 2026-06-17
   days on market $20,000 Active 58 DOM
4. 2026-06-16
   days on market $20,000 Active 57 DOM
5. 2026-06-15
   days on market $20,000 Active 56 DOM
6. 2026-06-14
   days on market $20,000 Active 54 DOM
7. 2026-06-12
   days on market $20,000 Active 53 DOM
8. 2026-06-09
   days on market $20,000 Active 50 DOM
9. 2026-06-08
   days on market $20,000 Active 49 DOM
10. 2026-06-07
    days on market $20,000 Active 48 DOM
11. 2026-06-05
    days on market $20,000 Active 46 DOM
12. 2026-06-04
    days on market $20,000 Active 44 DOM
13. 2026-06-02
    days on market $20,000 Active 43 DOM
14. 2026-06-01
    days on market $20,000 Active 42 DOM
15. 2026-05-31
    days on market $20,000 Active 41 DOM
16. 2026-05-31
    days on market $20,000 Active 40 DOM
17. 2026-05-06
    status Active 1063-char remark

    Show marketing remark (1063 chars)

    Handyman special with rare seller financing available for a purchase price of $20,000 with just $3,000 down and $355 per month for 48 months! Prefer to pay cash? Take advantage of the discounted cash price of only $15,000. Opportunities like this don’t come along often! Located in an up and coming area of Steubenville just minutes from Franciscan University of Steubenville, this fixer upper is packed with potential for the right buyer with vision. Whether you’re looking for your next investment project, a renovation opportunity, or a property you can transform into something truly special just the way YOU like it, this one is ready for a complete makeover. With strong demand for housing in the area and close proximity to the university, the possibilities here are wide open. Bring your tools, your contractor, and your imagination! Properties at this price point with flexible terms and in a location near Franciscan University are incredibly rare. Don’t miss your chance to turn this diamond in the rough into your next success story!

18. 2026-04-25
    status Pending 1063-char remark

    Show marketing remark (1063 chars)

    Handyman special with rare seller financing available for a purchase price of $20,000 with just $3,000 down and $355 per month for 48 months! Prefer to pay cash? Take advantage of the discounted cash price of only $15,000. Opportunities like this don’t come along often! Located in an up and coming area of Steubenville just minutes from Franciscan University of Steubenville, this fixer upper is packed with potential for the right buyer with vision. Whether you’re looking for your next investment project, a renovation opportunity, or a property you can transform into something truly special just the way YOU like it, this one is ready for a complete makeover. With strong demand for housing in the area and close proximity to the university, the possibilities here are wide open. Bring your tools, your contractor, and your imagination! Properties at this price point with flexible terms and in a location near Franciscan University are incredibly rare. Don’t miss your chance to turn this diamond in the rough into your next success story!

19. 2026-04-08
    listed $20,000 Active 1063-char remark

    Show marketing remark (1063 chars)

    Handyman special with rare seller financing available for a purchase price of $20,000 with just $3,000 down and $355 per month for 48 months! Prefer to pay cash? Take advantage of the discounted cash price of only $15,000. Opportunities like this don’t come along often! Located in an up and coming area of Steubenville just minutes from Franciscan University of Steubenville, this fixer upper is packed with potential for the right buyer with vision. Whether you’re looking for your next investment project, a renovation opportunity, or a property you can transform into something truly special just the way YOU like it, this one is ready for a complete makeover. With strong demand for housing in the area and close proximity to the university, the possibilities here are wide open. Bring your tools, your contractor, and your imagination! Properties at this price point with flexible terms and in a location near Franciscan University are incredibly rare. Don’t miss your chance to turn this diamond in the rough into your next success story!

ⓘ 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: $233 · $19/mo
• Projected year-2 tax: $272 · $23/mo
• Expected delta: +$40/yr (+$3/mo · 17.0%)

ⓘ 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 8 d/yr ≥97°F today · 19 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: $13,517
• − Mortgage interest: −$1,120
• − Property taxes: −$233
• − Insurance: −$100
• − Repairs & maintenance: −$1,081
• − Management: −$1,081
• − Depreciation: −$582
• Taxable income: $9,319
• Est. tax owed @ 24.0%: −$2,237
• After-tax cash flow: $6,850/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

3 events — show timeline

• 2026-05-06 Relisted — MLSNOW
• 2026-04-25 Pending — MLSNOW
• 2026-04-08 Listed $20,000 MLSNOW

Property tax history

+30.9%/yr

Latest (2025): $233 · +1.5% YoY. Source: county tax records.