39 Duquesne St · Columbiana, OH 44408

$110,000

4 bd · 2.0 ba · 2,644 sqft · SingleFamily public records · 10 Days on market

Built 1910 10,240 sqft lot ↓ 12% 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• Schools +6.5/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Step into the charm and character of this historic Columbiana property! Beautiful original hardwood, a stunning cherry staircase and timeless architectural details create a warm and inviting atmosphere throughout. Original hardwood floors remain beneath the carpeting on the main level, offering an opportunity to restore their natural beauty. The spacious primary bedroom features soaring cathedral ceilings and a unique loft area, adding character and versatility to the space. Generous room sizes and a flexible floor plan provide numerous possibilities for future use. Whether you're looking to restore and personalize a historic home or explore investment opportunities, this property offers ex

Key facts

• Original hardwood
• Cherry staircase
• Flexible floor plan

Tags

• ORIGINAL HARDWOOD
• CHERRY STAIRCASE
• ARCHITECTURAL DETAILS
• CATHEDRAL CEILINGS
• LOFT AREA
• FLEXIBLE FLOOR PLAN

Property features AI

Exterior

• Parking: Drive-through access; Gravel and unpaved parking; No garage
• Utilities: Public water; Public sewer
• Home design: 2-story home; Property listed as fixer
• Construction: Vinyl siding; Asphalt/fiberglass roof
• Exterior features: Front, rear and side porches; Outbuilding/shed for storage

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Total of 8 rooms (includes bedrooms and other living spaces)
• Bathrooms: 2 full bathrooms; 1 main-level bathroom
• Heating & cooling: Forced air heating; Has heating
• Interior features: Full unfinished basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $413 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Cap rate 10.8% vs local median 4.6% in Columbiana — 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 71/100 on livability (#427 in OH) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, cost of living A+; Watch: employment D, amenities F, commute F.
• Columbiana Exempted Village (town): math 73% / reading 81% proficiency, ranked #84 of 656 in OH (top 13%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Market conditions: 55 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 49 units permitted in Columbiana County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Columbiana County population projected at -23% 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 $31k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 26y 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 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $110,000

Questions for the listing agent

1. Built in 1910 — 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 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. 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: 1.36% ✓
• Cap rate: 10.80%
• Cash-on-cash: 16.09%
• DSCR: 1.72
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $288,196
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
226 S Elm St	0.37mi	3/2.5 (-1)	2,283 (-14%)	2mo	$249,900	$109	51

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: 7.1%
• Equity multiple: 1.28×
• Total profit: $8,503
• Equity at exit: $16,401

10-year hold

• IRR: 16.4%
• Equity multiple: 2.34×
• Total profit: $41,388
• Equity at exit: $9,511

Cash invested: $30,800 (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 44408

• Home prices YoY: -30.7%
• Active inventory: 55
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,500 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$149 /mo · $1,793/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $413

Break-even live

Break-even rent $977

Max offer price $110,000

Occupancy floor 67%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
40 E Duquesne St Unit A Columbiana, OH	3.0	2.0	2272	$1,500	$0.66	43d	1	0.02mi

Listing history 8 events

1. 2026-06-18
   days on market $110,000 Active 10 DOM
2. 2026-06-17
   days on market $110,000 Active 9 DOM
3. 2026-06-16
   days on market $110,000 Active 8 DOM
4. 2026-06-15
   days on market $110,000 Active 7 DOM
5. 2026-06-13
   days on market $110,000 Active 5 DOM
6. 2026-06-12
   days on market $110,000 Active 4 DOM
7. 2026-06-09
   remarks 699-char remark
8. 2026-06-09
   listed $110,000 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: $1,793 · $149/mo
• Projected year-2 tax: $1,793 · $149/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,000
• − Mortgage interest: −$6,162
• − Property taxes: −$1,793
• − Insurance: −$550
• − Repairs & maintenance: −$1,440
• − Management: −$1,440
• − Depreciation: −$3,200
• Taxable income: $3,415
• Est. tax owed @ 24.0%: −$820
• After-tax cash flow: $4,135/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: Columbiana Exempted Village
• NCES district ID: 3904532
• Math proficiency: 73% ▼ -5.00%
• Reading proficiency: 81% ▼ -2.00%
• Median HH income: $48,052
• Composite: 64.96/100
• National rank: #507
• State rank: #84 of 656 in OH

Livability — Columbiana

• Score: 71/100
• State rank: #427
• US rank: #6997

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Columbiana, OH
• County: Columbiana · 99,532 people
• City population: 10,924
• Population (ZIP): 10,924
• Household income: $71,205
• Rent vs Own: 32.9% rent · 67.1% own
• Severe rent burden: 10.0

Population outlook (Columbiana County) Hauer SSP2

• Today (2025): 98,353 people
• By 2030: 94,225 · -4.2%
• By 2040: 85,169 · -13.4%
• By 2050: 76,157 · -22.6%
• By 2075: 58,451 · -40.6%
• By 2100: 42,805 · -56.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 3% Asian 2% Two or more races 1%
• Common ancestry: Romanian 4% Italian 3% Iranian 2%
• Foreign-born: 2% · Canada, Jamaica
• Languages at home: 97% English-only · Vietnamese 2% Spanish 1%

Political lean MEDSL · Columbiana

• 2024 margin: Solid R (+49.0) · D 25.1% · R 74.1%
• 2008→2024 swing: -41.4pp toward R · 2008: -7.6pp · 2024: -49.0pp
• All cycles: 2024: R+49.0 2020: R+44.9 2016: R+41.6 2012: R+12.0 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -100.83%
• Current HPI: 227.4173
• 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

-12.0% since first listed

13 events — show timeline

• 2026-06-08 Listed $110,000 MLSNOW
• 2015-09-01 Listing Removed — MLSNOW
• 2015-09-01 Price Changed $84,950 MLSNOW
• 2015-08-02 Price Changed $91,950 MLSNOW
• 2015-06-26 Price Changed $94,950 MLSNOW
• 2015-05-30 Price Changed $99,000 MLSNOW
• 2015-04-17 Listed $110,000 MLSNOW
• 2013-08-22 Listing Removed — MLSNOW
• 2013-03-23 Listed $117,000 MLSNOW
• 2001-03-31 Listing Removed — MLSNOW
• 2000-11-30 Listing Removed — MLSNOW
• 2000-09-28 Listed $90,000 MLSNOW
• 2000-05-18 Listed $125,000 MLSNOW

Property tax history

+4.5%/yr

Latest (2025): $1,793 · +20.4% YoY. Source: county tax records.