4434 Dunloe Ct · Toledo, OH 43615

$80,000

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 24 Days on market

Built 1979 6,500 sqft lot Est $128k · 37% 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 +29.9/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• Livability +3.3/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks

Cute home on cul-de-sac with open LR/Kitchen floor plan, 3 beds, utility room, large fenced backyard. Could use some cosmetic updates and would make a great owner occupant home or investment rental.

Key facts

• Utility room
• Cul-de-sac
• 6,500 sq ft lot

Tags

• CUL-DE-SAC
• OPEN LR/KITCHEN FLOOR PLAN
• LARGE FENCED BACKYARD
• UTILITY ROOM

Property features AI

Exterior

• Parking: Concrete driveway
• Utilities: Electricity connected (circuit breakers); Natural gas connected; Public water; Public sewer
• Home design: Single-family house; One story
• Construction: Aluminum siding; Slab foundation
• Exterior features: Shingle roof; City street frontage

Interior

• Kitchen: Kitchen (main level) — approximately 9 x 14
• Bedrooms: Bedroom (main level) — approximately 10 x 10; Bedroom (main level) — approximately 9 x 11
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric baseboard heating
• Interior features: Five total rooms; Other interior features
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $297 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $79k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 7.6% in Toledo — 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 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, crime F, commute F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Keyser Elementary School (math 8% / reading 12%, grade F, #1,471 of 1,584 statewide, top 95%, 306 students, 0% FRL); Rogers High School (math 8% / reading 27%, grade F, #689 of 781 statewide, top 90%, 721 students, 0% FRL) — zoned schools average 0% FRL vs 72% district-wide (72 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising (+2.6%/yr); 114 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 2.6% rent growth), your $22k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 19y 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 $19k; list at $80k implies a 331% gain — meaningful room to come down on a strong offer.

Recommended offer $78,800 (1.5% below list)

Questions for the listing agent

1. Built in 1979 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
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: 1.44% ✓
• Cap rate: 10.75%
• Cash-on-cash: 15.90%
• DSCR: 1.71
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $127,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4347 Merry Ln	0.17mi	3/2.0	912 (-5%)	4mo	$95,000	$104	77
4111 Kingsley Ct	0.56mi	3/1.0	988 (+3%)	7mo	$133,500	$135	64
128 Sierra Ct	0.43mi	3/1.0	1,008 (+5%)	10mo	$123,000	$122	64
4115 Kingsley Ct	0.54mi	3/1.0	1,026 (+7%)	7mo	$159,250	$155	57
4638 Vallejo Dr	0.38mi	3/1.0	1,080 (+12%)	11mo	$133,500	$124	52
4039 Hill Ave	0.50mi	3/1.0	816 (-15%)	4mo	$107,000	$131	48
4060 Hermosa Ave	0.47mi	2/1.0 (-1)	816 (-15%)	5mo	$107,500	$132	44
41 Dickens Dr	0.49mi	3/1.0	1,100 (+15%)	11mo	$68,500	$62	44
4814 Ventura Dr	0.53mi	3/1.0	1,080 (+12%)	13mo	$143,600	$133	43
423 La Jolla Dr	0.41mi	3/2.0	1,080 (+12%)	16mo	$155,000	$144	42
4248 Hunters Trail Dr	0.57mi	3/2.0	1,104 (+15%)	6mo	$173,900	$158	40
4836 Catalina Dr	0.61mi	3/2.0	1,080 (+12%)	11mo	$180,000	$167	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 · 2.59% rent growth · sell at horizon

5-year hold

• IRR: 6.4%
• Equity multiple: 1.25×
• Total profit: $5,525
• Equity at exit: $11,928

10-year hold

• IRR: 15.4%
• Equity multiple: 2.23×
• Total profit: $27,451
• Equity at exit: $6,917

Cash invested: $22,400 (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 43615

• Home prices YoY: -31.9%
• Rents YoY: 2.6%
• Active inventory: 114
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,149 high
• Mortgage (P&I): −$420
• Tax from tax record: −$158 /mo · $1,893/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $297

Break-even live

Break-even rent $773

Max offer price $80,000

Occupancy floor 69%

Sensitivity live

Price	-10% $342	-5% $320	+0% $297	+5% $274	+10% $252
Rent	-10% $206	-5% $251	+0% $297	+5% $342	+10% $388
Rate	-1.0pp $337	-0.5pp $317	base $297	+0.5pp $276	+1.0pp $255

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5007 Hill Ave Unit 5 H Toledo, OH	2.0	1.0	950	$850	$0.89	24d	1	0.65mi
3776 Hill Ave Toledo, OH	1.0–2.0	1.0	650	$735	$1.13	44d	1	0.81mi
5001 South Ave Toledo, OH	3.0	2.0	1312	$1,424	$1.09	14d	1	0.92mi
1130 Pine Valley Ln Toledo, OH	1.0–2.0	1.0–2.0	799	$1,299	$1.63	14d	6	1.03mi
1101 Linden Ln Toledo, OH	1.0–2.0	1.0–2.0	975	$1,345	$1.38	44d	4	1.08mi
4440 Airport Hwy Toledo, OH	2.0	1.0	660	$850	$1.29	14d	2	1.21mi
1339 Brookview Dr Toledo, OH	2.0	1.0	670	$755	$1.13	21d	1	1.30mi
1302 Brookview Dr Toledo, OH	1.0–2.0	1.0	710	$959	$1.35	44d	1	1.30mi
1330 Brookview Dr Toledo, OH	2.0	1.0	800	$850	$1.06	44d	1	1.32mi
1599 Twin Oaks Dr Toledo, OH	2.0	1.0	864	$976	$1.13	14d	1	1.33mi
1318 Montain Rd Toledo, OH	2.0	1.0	1050	$1,195	$1.14	21d	1	1.35mi
1408 Brookview Dr Toledo, OH	1.0–2.0	1.0	592	$850	$1.43	14d	12	1.37mi
1220 Four Seasons Dr Toledo, OH	2.0	2.0	1000	$1,145	$1.15	24d	1	1.37mi
916 S Byrne Rd Toledo, OH	2.0	1.0	900	$899	$1.00	21d	1	1.43mi
3349 Airport Hwy Toledo, OH	1.0–2.0	1.0	791	$885	$1.12	44d	1	1.46mi

Listing history 23 events

1. 2026-06-01
   statusdays on market $80,000 Pending 24 DOM
2. 2026-05-31
   days on market $80,000 Active 23 DOM
3. 2026-05-30
   days on market $80,000 Active 22 DOM
4. 2026-05-22
   status Active
5. 2026-05-12
   historical Contingent
6. 2026-05-08
   listed $80,000 Active
7. 2024-12-16
   historical $850
8. 2024-11-27
   listed $850
9. 2016-07-28
   historical
10. 2015-09-26
    listed $24,000
11. 2015-09-25
    historical
12. 2014-06-09
    listed $24,000
13. 2009-12-28
    soldstatus $18,571
14. 2008-10-24
    historical
15. 2008-08-11
    listed $31,900
16. 2008-05-31
    historical
17. 2007-10-24
    listed $55,000
18. 2005-09-21
    soldstatus $60,000
19. 2004-10-05
    soldstatus $59,900
20. 2001-08-27
    soldstatus $53,000
21. 2000-02-03
    soldstatus $33,800
22. 1991-05-01
    soldstatus $33,000
23. 1990-04-04
    soldstatus $21,346

ⓘ 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: $1,893 · $158/mo
• Projected year-2 tax: $1,893 · $158/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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,785
• − Mortgage interest: −$4,481
• − Property taxes: −$1,893
• − Insurance: −$400
• − Repairs & maintenance: −$1,103
• − Management: −$1,103
• − Depreciation: −$2,327
• Taxable income: $2,477
• Est. tax owed @ 24.0%: −$595
• After-tax cash flow: $2,968/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 40,146
• Household income: $57,713
• Rent vs Own: 46.0% rent · 54.0% own
• Severe rent burden: 1683.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (62%)
• Race & ethnicity: White 62% Black 26% Two or more races 6% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 5% · China, Canada
• Languages at home: 93% English-only · Arabic 2% Spanish 1% Chinese 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.44%
• Current HPI: 205.95
• Rent YoY: ▲ 2.59%
• Metro: Toledo, 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

+274.8% since first listed

20 events — show timeline

• 2026-05-22 Relisted — NORIS
• 2026-05-12 Contingent — NORIS
• 2026-05-08 Listed $80,000 NORIS
• 2024-12-16 Rental Removed $850 BUILDIUM
• 2024-11-27 Listed for Rent $850 BUILDIUM
• 2016-07-28 Listing Removed — MLSNOW
• 2015-09-26 Listed $24,000 MLSNOW
• 2015-09-25 Listing Removed — MLSNOW
• 2014-06-09 Listed $24,000 MLSNOW
• 2009-12-28 Sold (Public Records) $18,571 Public Records
• 2008-10-24 Listing Removed — NORIS
• 2008-08-11 Listed $31,900 NORIS
• 2008-05-31 Listing Removed — NORIS
• 2007-10-24 Listed $55,000 NORIS
• 2005-09-21 Sold (Public Records) $60,000 Public Records
• 2004-10-05 Sold (Public Records) $59,900 Public Records
• 2001-08-27 Sold (Public Records) $53,000 Public Records
• 2000-02-03 Sold (Public Records) $33,800 Public Records
• 1991-05-01 Sold (Public Records) $33,000 Public Records
• 1990-04-04 Sold (Public Records) $21,346 Public Records

Property tax history

+7.6%/yr

Latest (2025): $1,893 · +38.9% YoY. Source: county tax records.