449 7th St · Struthers, OH 44471

$145,000

3 bd · 1.0 ba · 1,244 sqft · SingleFamily public records · 26 Days on market

Built 1926 7,492 sqft lot Est $149k · at est.

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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 +13.7/30.0
• ARV discount +8.8/15.0
• DSCR +4.1/10.0
• Schools +4.0/10.0
• Livability +3.6/5.0
• 1% rule +3.1/10.0
• Appreciation +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Here’s the WOW factor! This awesome kitchen offers an abundance of soft-close cabinetry and generous counter space featuring beautiful granite countertops installed by Signature Granite. The dishwasher and microwave will stay, and the stove hookup is electric. You’ll also love the stylish under-cabinet lighting and the beautifully updated main bathroom. Continuous updates and improvements reflect the sellers’ pride of ownership throughout the home. Per the owners: the roof is approximately 2 years old, the kitchen was remodeled 3 years ago, and carpeting in select rooms was updated in 2020–2021. Energy-saving blown-in insulation has also been added, and the windows w

Key facts

• Soft-close cabinetry
• Granite countertops
• 7,492 sq ft lot

Tags

• SOFT-CLOSE CABINETRY
• GRANITE COUNTERTOPS
• UNDER-CABINET LIGHTING
• UPDATED MAIN BATHROOM
• ENERGY-SAVING INSULATION
• DETACHED MULTI-VEHICLE GARAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $11 ($127/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 $118k (18.8% below list).
• Recommended offer: $118k (18.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#418 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: commute C-, amenities F, employment F.
• Struthers City (suburban): math 45% / reading 52% proficiency, ranked #475 of 656 in OH (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Struthers Elementary School (math 57% / reading 39%, grade D, #941 of 1,584 statewide, top 59%, 654 students, 0% FRL); Struthers Middle School (math 43% / reading 58%, grade C, #413 of 654 statewide, top 63%, 545 students, 72% FRL); Struthers High School (math 27% / reading 52%, grade F, #528 of 781 statewide, top 71%, 465 students, 74% FRL).
• Market conditions: 67 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 147 units permitted in Mahoning County in 2024 (0 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 $4k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y 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.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $117,777 (18.8% below list)

Questions for the listing agent

1. Built in 1926 — 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. 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: 0.81% ✗
• Cap rate: 6.38%
• Cash-on-cash: 0.31%
• DSCR: 1.01
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $149,280
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2743 Mount Vernon Ave	0.15mi	3/1.0	1,248 (+0%)	4mo	$65,000	$52	89
417 9th St	0.21mi	3/1.0	1,260 (+1%)	2mo	$93,000	$74	87
537 7th St	0.17mi	3/1.0	1,280 (+3%)	3mo	$153,500	$120	85
281 Sexton St	0.43mi	3/1.0	1,248 (+0%)	1mo	$175,000	$140	79
2016 Pointview Ave	0.64mi	3/1.0	1,232 (-1%)	5mo	$34,000	$28	64
536 Creed St	0.64mi	3/1.0	1,272 (+2%)	4mo	$170,000	$134	63
1925 Weston Ave	0.73mi	3/1.0	1,227 (-1%)	1mo	$89,000	$73	63
261 Sexton St	0.45mi	3/1.0	1,100 (-12%)	2mo	$135,500	$123	58
457 Sexton St	0.38mi	2/1.0 (-1)	1,100 (-12%)	2mo	$127,500	$116	56
418 W Wilson St	0.65mi	3/1.5	1,344 (+8%)	6mo	$130,000	$97	49
227 E Wilson St	0.72mi	3/1.0	1,365 (+10%)	1mo	$187,000	$137	49
2002 Bancroft Ave	0.68mi	3/2.0	1,080 (-13%)	4mo	$131,500	$122	39

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: -15.8%
• Equity multiple: 0.44×
• Total profit: $-22,855
• Equity at exit: $21,620

10-year hold

• IRR: -7.5%
• Equity multiple: 0.53×
• Total profit: $-19,167
• Equity at exit: $12,537

Cash invested: $40,600 (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 44471

• Home prices YoY: -1.5%
• Active inventory: 67
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,178 high
• Mortgage (P&I): −$760
• Tax from tax record: −$99 /mo · $1,189/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$247
• Net cashflow: $11

Break-even live

Break-even rent $1,164

Max offer price $145,000

Occupancy floor 94%

Sensitivity live

Price	-10% $93	-5% $52	+0% $11	+5% $-30	+10% $-72
Rent	-10% $-82	-5% $-36	+0% $11	+5% $57	+10% $104
Rate	-1.0pp $84	-0.5pp $47	base $11	+0.5pp $-27	+1.0pp $-65

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2523 E Midlothian Blvd Apt 5 Struthers, OH	2.0	1.0	750	$800	$1.07	15d	1	0.15mi
610 Elm St Struthers, OH	3.0	1.0	1050	$1,500	$1.43	15d	1	0.40mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	45d	1	0.71mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	45d	1	0.81mi
3446 Ambert Ave Youngstown, OH	4.0	1.0	1100	$1,250	$1.14	15d	1	0.98mi

Listing history 23 events

1. 2026-06-21
   days on market $145,000 Active 26 DOM
2. 2026-06-19
   days on market $145,000 Active 24 DOM
3. 2026-06-18
   days on market $145,000 Active 23 DOM
4. 2026-06-17
   days on market $145,000 Active 22 DOM
5. 2026-06-16
   days on market $145,000 Active 21 DOM
6. 2026-06-15
   price $145,000 Active 20 DOM
7. 2026-06-15
   days on market $149,900 Active 20 DOM
8. 2026-06-14
   days on market $149,900 Active 18 DOM
9. 2026-06-13
   days on market $149,900 Active 17 DOM
10. 2026-06-10
    days on market $149,900 Active 15 DOM
11. 2026-06-09
    days on market $149,900 Active 14 DOM
12. 2026-06-08
    days on market $149,900 Active 13 DOM
13. 2026-06-07
    days on market $149,900 Active 12 DOM
14. 2026-06-03
    days on market $149,900 Active 8 DOM
15. 2026-06-02
    days on market $149,900 Active 7 DOM
16. 2026-06-01
    days on market $149,900 Active 6 DOM
17. 2026-05-31
    days on market $149,900 Active 5 DOM
18. 2026-05-30
    days on market $149,900 Active 4 DOM
19. 2026-05-24
    listed $149,900 Active
20. 2025-08-18
    historical $1,400
21. 2025-08-12
    listed $1,400
22. 2006-07-17
    historical
23. 2005-07-17
    listed $63,450

ⓘ 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: $1,189 · $99/mo
• Projected year-2 tax: $1,725 · $144/mo
• Expected delta: +$537/yr (+$45/mo · 45.2%)

ⓘ 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 ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,133
• − Mortgage interest: −$8,122
• − Property taxes: −$1,189
• − Insurance: −$725
• − Repairs & maintenance: −$1,131
• − Management: −$1,131
• − Depreciation: −$4,218
• Taxable loss: −$2,382
• Est. tax savings @ 24.0%: +$572
• After-tax cash flow: $699/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: Struthers City
• NCES district ID: 3904485
• Math proficiency: 45% ▼ -12.00%
• Reading proficiency: 52% ▼ -8.00%
• Median HH income: $37,753
• Composite: 40.35/100
• National rank: #3742
• State rank: #475 of 656 in OH

Livability — Struthers

• Score: 71/100
• State rank: #418
• US rank: #6867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Struthers, OH
• County: Mahoning · 224,175 people
• City population: 10,296
• Metro: Youngstown-Warren, OH
• Population (ZIP): 10,296
• Household income: $52,811
• Rent vs Own: 31.2% rent · 68.8% own
• Severe rent burden: 12.2

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Romanian 8% Lithuanian 4% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4% Arabic 1% Other Indo-European 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -4.12%
• Current HPI: 274.6394
• 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

+136.2% since first listed

5 events — show timeline

• 2026-05-24 Listed $149,900 MLSNOW
• 2025-08-18 Rental Removed $1,400 Avail
• 2025-08-12 Listed for Rent $1,400 Avail
• 2006-07-17 Listing Removed — MLSNOW
• 2005-07-17 Listed $63,450 MLSNOW

Property tax history

+5.0%/yr

Latest (2025): $1,189 · -0.0% YoY. Source: county tax records.