347 E Judson Ave · Youngstown, OH 44507

$104,999

5 bd · 3.0 ba · 1,598 sqft · SingleFamily public records · 11 Days on market

Built 1922 5,662 sqft lot Est $133k · 21% under

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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 +27.8/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +6.6/10.0
• Appreciation +4.6/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0

Listing remarks MLS

Lovely, well maintained, spacious and Move-In ready 5 bedroom 3 bath larger home on the Southside. Home features hardwood floors, Large livingroom and diningroom with builit-ins on main floor including a full bathroom and the spacious Kitchen with an eat in area. Upstairs features a 2 full bathrooms, 4 -5 bedrooms with large closets. The attic is an additional living suite/bedroom with its own bathroom. (Finished Attic sq footage not included in auditors total sq footage. ) The Basement is an open slate with great storage space, laundry area with maintained mechanicals. Enjoy relaxing time on the front porch or in backyard. Make your appointment today! As-Is, Seller makes no guarantees or warranties.

Key facts

• Solid foundation
• Outdoor enjoyment
• Convenient location

Tags

• CONVENIENT LOCATION
• CLASSIC DESIGN
• OUTDOOR ENJOYMENT
• ACCESSIBILITY TO AMENITIES
• SOLID FOUNDATION

Property features AI

Finance

• Financial info: Pets allowed

Exterior

• Parking: Detached garage (2 car spaces)
• Utilities: Public water; Public sewer
• Home design: 3 stories; Aluminum siding; Asphalt roof
• Construction: Aluminum siding construction; Asphalt roof; Below-grade finished area; Above-grade finished area
• Exterior features: City lot; Less than half-acre lot; Lot dimensions approximately 45 x 130

Interior

• Kitchen: Eat-in kitchen (appliances not specified)
• Bedrooms: 3 main-level bedrooms
• Bathrooms: 3 full bathrooms
• Heating & cooling: Forced air heating (gas); Central air conditioning; Ceiling fans; Window units
• Interior features: Built-in features; Eat-in kitchen; Decorative fireplace in the living room; Full, unfinished basement with storage space
• Laundry & utility: Laundry area in basement

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $322 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Cap rate 10.0% vs local median 7.0% in Youngstown — 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 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Youngstown City (urban): math 8% / reading 17% proficiency, ranked #649 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 28 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• At $1,213/mo this rent would consume 57% of the median local household income ($26k/yr) (locally 17% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-0.8%/yr); year-one equity from $726 of loan paydown is wiped out by about $868 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.
• At projected returns (-0.8% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 34y 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 $90k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1922 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $104,999

Questions for the listing agent

1. Built in 1922 — 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. 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?
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 9.97%
• Cash-on-cash: 13.13%
• DSCR: 1.58
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $132,634
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3919 Rush Blvd	0.17mi	4/2.0 (-1)	1,510 (-6%)	3mo	$154,000	$102	72
228 Lowell Ave	0.41mi	4/3.0 (-1)	1,551 (-3%)	20mo	$128,000	$83	55
4019 Euclid Blvd	0.25mi	4/2.0 (-1)	1,776 (+11%)	10mo	$169,950	$96	52
190 Lowell Ave	0.46mi	4/2.5 (-1)	1,522 (-5%)	15mo	$40,000	$26	51
72 Labelle Ave	0.58mi	4/1.5 (-1)	1,716 (+7%)	1mo	$40,100	$23	49
354 E Indianola Ave	0.71mi	4/1.5 (-1)	1,552 (-3%)	13mo	$65,000	$42	40
177 Wychwood Ln	0.64mi	4/2.0 (-1)	1,660 (+4%)	20mo	$165,000	$99	38
204 Berkshire Ave	0.62mi	4/1.5 (-1)	1,463 (-8%)	10mo	$150,000	$103	38
4307 Rush Blvd	0.48mi	4/1.5 (-1)	1,796 (+12%)	15mo	$114,050	$64	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.83% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.0%
• Equity multiple: 1.45×
• Total profit: $13,370
• Equity at exit: $26,217

10-year hold

• IRR: 15.9%
• Equity multiple: 2.61×
• Total profit: $47,288
• Equity at exit: $28,280

Cash invested: $29,400 (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 44507

• Home prices YoY: -0.3%
• Active inventory: 28
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,213 medium
• Mortgage (P&I): −$551
• Tax from tax record: −$42 /mo · $508/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$255
• Net cashflow: $322

Break-even live

Break-even rent $806

Max offer price $104,999

Occupancy floor 68%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
236 Hilton Ave Youngstown, OH	4.0	1.5	1488	$1,195	$0.80	21d	1	0.18mi
540 Cameron Ave Youngstown, OH	4.0	2.0	1780	$1,300	$0.73	21d	1	1.07mi
3446 Ambert Ave Youngstown, OH	4.0	1.0	1100	$1,250	$1.14	13d	1	1.27mi

Listing history 10 events

1. 2026-06-19
   days on market $104,999 Active 11 DOM
2. 2026-06-18
   days on market $104,999 Active 10 DOM
3. 2026-06-17
   days on market $104,999 Active 9 DOM
4. 2026-06-16
   days on market $104,999 Active 8 DOM
5. 2026-06-15
   days on market $104,999 Active 7 DOM
6. 2026-06-14
   days on market $104,999 Active 5 DOM
7. 2026-06-13
   days on market $104,999 Active 4 DOM
8. 2026-06-10
   days on market $104,999 Active 2 DOM
9. 2026-06-09
   remarks 692-char remark
10. 2026-06-09
    listed $104,999 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: $508 · $42/mo
• Projected year-2 tax: $1,073 · $89/mo
• Expected delta: +$565/yr (+$47/mo · 111.3%)

ⓘ 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 ≥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: $14,559
• − Mortgage interest: −$5,882
• − Property taxes: −$508
• − Insurance: −$525
• − Repairs & maintenance: −$1,165
• − Management: −$1,165
• − Depreciation: −$3,055
• Taxable income: $2,260
• Est. tax owed @ 24.0%: −$543
• After-tax cash flow: $3,319/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: Youngstown City
• NCES district ID: 3904516
• Math proficiency: 8% ▼ -15.00%
• Reading proficiency: 17% ▼ -10.00%
• Median HH income: $25,257
• Composite: 9.29/100
• National rank: #9858
• State rank: #649 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Youngstown, OH
• County: Mahoning · 224,175 people
• City population: 28,503
• Metro: Youngstown-Warren, OH
• Population (ZIP): 4,402
• Household income: $25,767
• Rent vs Own: 53.9% rent · 46.1% own
• Severe rent burden: 17.1

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: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: Black 60% White 20% Hispanic / Latino 12% Two or more races 10%
• Hispanic origin (detail): Puerto Rican 10%
• Common ancestry: Subsaharan African 2% Hispanic 2% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 89% English-only · Spanish 10%

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: ▼ -0.83%
• Current HPI: 282.496
• 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

+163.2% since first listed

14 events — show timeline

• 2026-06-08 Listed $104,999 MLSNOW
• 2025-02-19 Sold (Public Records) $90,000 Public Records
• 2025-02-18 Sold (MLS) $90,000 MLSNOW
• 2025-02-07 Pending — MLSNOW
• 2025-01-18 Relisted — MLSNOW
• 2024-12-19 Pending — MLSNOW
• 2024-11-23 Contingent — MLSNOW
• 2024-09-29 Listed $94,900 MLSNOW
• 2005-03-28 Sold (Public Records) $25,500 Public Records
• 2005-03-22 Sold (MLS) $25,500 MLSNOW
• 2004-08-13 Listed $34,900 MLSNOW
• 1995-08-08 Listed $38,900 MLSNOW
• 1993-02-12 Listing Removed — MLSNOW
• 1992-08-12 Listed $39,900 MLSNOW

Property tax history

+1.2%/yr

Latest (2025): $508 · -11.8% YoY. Source: county tax records.