213 Walker Drive Dr · Dunbar, WV 25064

$99,900

3 bd · 1.5 ba · 2,160 sqft · Townhouse · 81 Days on market

Built 1980 Fair condition 3,049 sqft lot Est $162k · 38% under $75/mo HOA · 6% of rent ↓ 33% since listing

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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 +26.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.9/10.0
• 1% rule +8.0/10.0
• Livability +3.5/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Great opportunity for a 3 bedroom 1.5 bath Townhome close to Charleston and near the interstate. This unit is priced to sell well below property values of the townhomes. Would make a good flip or investment property. Needs some TLC and updating. Cash or Renovation loan only. Selling AS IS

Key facts

• $75 HOA
• Built 1980
• Listed 80 days

Property features AI

Finance

• HOA & community: Homeowners association with $900 annual fee ($75/month equivalent)

Exterior

• Parking: Parking pad
• Utilities: Public water; Public sewer
• Home design: Townhouse; Two levels / 2 stories
• Construction: Block and frame construction; Composition/shingle roof
• Exterior features: Deck; Porch

Interior

• Bedrooms: Total rooms: 8
• Flooring: Carpet
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Electric heating; Forced air heating; Central air conditioning
• Interior features: Insulated windows; Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $100k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $258 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $94k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 4.2% in Dunbar — 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 70/100 on livability (#62 in WV) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B+; Watch: employment D+, amenities F, commute F.
• Kanawha County Schools (suburban): math 29% / reading 40% proficiency, ranked #17 of 55 in WV (top 31%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Dunbar Primary Center (297 students, 0% FRL); Dunbar Middle School (math 22% / reading 37%, grade F, #61 of 109 statewide, top 56%, 300 students, 0% FRL); South Charleston High School (math 22% / reading 47%, grade F, #42 of 110 statewide, top 47%, 952 students, 0% FRL) — zoned schools average 0% FRL vs 46% district-wide (46 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 46 active listings in the ZIP; 103 units permitted in Kanawha County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Kanawha County population projected at -17% 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 $28k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 81 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 3 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.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 81 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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.
8. 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.
9. 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: 1.30% ✓
• Cap rate: 9.39%
• Cash-on-cash: 11.06%
• DSCR: 1.49
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $162,000
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
229 Walker Dr	0.05mi	3/2.5	2,160 (0%)	10mo	$175,000	$81	85
207 Walker Drive Dr	0.02mi	3/1.5	2,160 (0%)	21mo	$132,000	$61	82
791 Roxalana Hills Dr	0.13mi	3/3.5	2,100 (-3%)	23mo	$158,000	$75	62

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: 0.3%
• Equity multiple: 1.01×
• Total profit: $291
• Equity at exit: $14,895

10-year hold

• IRR: 10.0%
• Equity multiple: 1.77×
• Total profit: $21,656
• Equity at exit: $8,638

Cash invested: $27,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 25064

• Home prices YoY: -14.2%
• Active inventory: 46
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,295 medium
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,498/yr
• Insurance: −$42
• HOA: −$75
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $258

Break-even live

Break-even rent $969

Max offer price $99,900

Occupancy floor 75%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $75 · $900/yr

Listing history 22 events

1. 2026-06-19
   days on market $99,900 Active 81 DOM
2. 2026-06-18
   days on market $99,900 Active 80 DOM
3. 2026-06-17
   days on market $99,900 Active 79 DOM
4. 2026-06-16
   days on market $99,900 Active 78 DOM
5. 2026-06-15
   days on market $99,900 Active 77 DOM
6. 2026-06-14
   days on market $99,900 Active 75 DOM
7. 2026-06-12
   days on market $99,900 Active 74 DOM
8. 2026-06-09
   days on market $99,900 Active 71 DOM
9. 2026-06-08
   days on market $99,900 Active 70 DOM
10. 2026-06-07
    days on market $99,900 Active 69 DOM
11. 2026-06-05
    days on market $99,900 Active 66 DOM
12. 2026-06-03
    days on market $99,900 Active 65 DOM
13. 2026-06-02
    days on market $99,900 Active 64 DOM
14. 2026-06-01
    days on market $99,900 Active 63 DOM
15. 2026-05-31
    days on market $99,900 Active 62 DOM
16. 2026-05-30
    days on market $99,900 Active 61 DOM
17. 2026-05-15
    price $99,900
18. 2026-03-30
    listed $105,000 Active
19. 2025-07-21
    listed $134,999 Active
20. 2025-05-17
    price $139,000
21. 2025-04-14
    price $144,000
22. 2025-02-03
    listed $149,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 4/10 Moderate 7 d/yr ≥101°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,541
• − Mortgage interest: −$5,596
• − Property taxes: −$1,498
• − Insurance: −$500
• − Repairs & maintenance: −$1,243
• − Management: −$1,243
• − HOA: −$900
• − Depreciation: −$2,906
• Taxable income: $1,654
• Est. tax owed @ 24.0%: −$397
• After-tax cash flow: $2,696/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

This townhouse requires moderate renovations to improve its condition and appeal. Key updates include new kitchen appliances, bathroom fixtures, flooring, and landscaping.

Repairs flagged

• Major kitchen appliances — outdated and non-functional
• Major bathroom fixtures — non-functional and outdated
• Minor exterior siding — some wear

Value-add opportunities

• Resale new kitchen appliances — modern appliances improve appeal
• Resale new bathroom fixtures — modern fixtures improve appeal
• Both new flooring — new flooring improves both resale and rental value
• Both paint — fresh paint improves both resale and rental value
• Both landscaping — improved landscaping enhances curb appeal

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen appliances · outdated and non-functional	Major	$15,000–50,000
bathroom fixtures · non-functional and outdated	Major	$15,000–50,000
exterior siding · some wear	Minor	$500–3,000
Total estimated repair cost · 3 items		$30,500–103,000

Value-add ROI direction

• Resale new kitchen appliances — modern appliances improve appeal ↑
• Resale new bathroom fixtures — modern fixtures improve appeal ↑
• Both new flooring — new flooring improves both resale and rental value ↑
• Both paint — fresh paint improves both resale and rental value ↑
• Both landscaping — improved landscaping enhances curb appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Kanawha County Schools
• NCES district ID: 5400600
• Math proficiency: 29% ▼ -13.00%
• Reading proficiency: 40% ▼ -7.00%
• Median HH income: $44,329
• Composite: 29.35/100
• National rank: #6540
• State rank: #17 of 55 in WV

Livability — Dunbar

• Score: 70/100
• State rank: #62
• US rank: #7810

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dunbar, WV
• Population (ZIP): 9,182

Population outlook (Kanawha County) Hauer SSP2

• Today (2025): 178,946 people
• By 2030: 172,906 · -3.4%
• By 2040: 159,874 · -10.7%
• By 2050: 148,148 · -17.2%
• By 2075: 123,257 · -31.1%
• By 2100: 96,454 · -46.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Black 16% Two or more races 7% Hispanic / Latino 3% Pacific Islander 2% Asian 1%
• Common ancestry: Serbian 2% Italian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 1% Tagalog/Filipino 1%

Political lean MEDSL · Kanawha

• 2024 margin: R (+17.4) · D 40.2% · R 57.6% · Other 2.2%
• 2008→2024 swing: -17.0pp toward R · 2008: -0.4pp · 2024: -17.4pp
• All cycles: 2024: R+17.4 2020: R+14.7 2016: R+20.6 2012: R+11.9 2008: R+0.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.70%
• Current HPI: 172.7534
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

-33.0% since first listed

6 events — show timeline

• 2026-05-15 Price Changed $99,900 KVBOR
• 2026-03-30 Listed $105,000 KVBOR
• 2025-07-21 Listed $134,999 KVBOR
• 2025-05-17 Price Changed $139,000 KVBOR
• 2025-04-14 Price Changed $144,000 KVBOR
• 2025-02-03 Listed $149,000 KVBOR