734 Cambridge Ave · Youngstown, OH 44502

$69,500

2 bd · 1.0 ba · 1,344 sqft · SingleFamily public records · 35 Days on market

Built 1940 5,619 sqft lot Est $121k · 43% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +5.9/10.0
• 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

Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

Key facts

• 5,619 sq ft lot
• Garage
• Built 1940

Property features AI

Exterior

• Parking: Detached paved garage with 1 garage space
• Utilities: Public water; Public sewer
• Home design: Single-family property; One or more stories (multi-level entry); Asphalt/fiberglass roof
• Construction: Aluminum siding; Year built per public records
• Exterior features: 40 x 140 lot dimensions

Interior

• Kitchen: Kitchen on first level
• Bedrooms: Two main-level bedrooms; One second-level bedroom; Additional first-level bedroom
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Forced-air gas heating
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $67k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.9% 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: 45 active listings in the ZIP; 6 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).
• This rent runs 43% of the median local income ($31k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($481 loan paydown + $1k appreciation (1.8% local appreciation)).
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.8% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($67k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 27y 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 $35k; list at $70k implies a 99% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $67,415 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.60% ✓
• Cap rate: 13.86%
• Cash-on-cash: 27.04%
• DSCR: 2.20
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $120,960
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
582 Roxbury Ave	0.15mi	3/1.0 (+1)	1,256 (-6%)	1mo	$112,900	$90	76
827 E Avondale Ave	0.20mi	3/1.0 (+1)	1,224 (-9%)	4mo	$64,000	$52	67
1210 Aberdeen Ave	0.51mi	3/2.0 (+1)	1,316 (-2%)	1mo	$177,000	$134	63
1122 Inverness Ave	0.45mi	3/2.0 (+1)	1,309 (-3%)	4mo	$126,900	$97	63
1208 Aberdeen Ave	0.50mi	3/2.0 (+1)	1,316 (-2%)	2mo	$175,000	$133	62
708 Miller St	0.61mi	3/1.0 (+1)	1,304 (-3%)	1mo	$55,000	$42	61
3551 Shirley Rd	0.64mi	3/2.0 (+1)	1,341 (-0%)	2mo	$142,000	$106	59
159 E Ravenwood Ave	0.67mi	3/1.0 (+1)	1,249 (-7%)	6mo	$45,000	$36	47
3005 Rush Blvd	0.50mi	3/1.0 (+1)	1,160 (-14%)	2mo	$26,000	$22	47
221 E Avondale Ave	0.56mi	3/1.0 (+1)	1,181 (-12%)	3mo	$53,000	$45	46
230 Clarencedale Ave	0.64mi	3/1.5 (+1)	1,232 (-8%)	5mo	$130,000	$106	45
544 Miller St	0.62mi	3/1.5 (+1)	1,170 (-13%)	3mo	$47,000	$40	40

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

Projected returns pro-forma

1.78% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.8%
• Equity multiple: 2.64×
• Total profit: $31,899
• Equity at exit: $26,577

10-year hold

• IRR: 32.4%
• Equity multiple: 5.12×
• Total profit: $80,165
• Equity at exit: $37,638

Cash invested: $19,460 (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 44502

• Home prices YoY: 0.7%
• Active inventory: 45
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,111 high
• Mortgage (P&I): −$364
• Tax from tax record: −$45 /mo · $545/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $439

Break-even live

Break-even rent $556

Max offer price $69,500

Occupancy floor 56%

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: $17,375
• Closing costs: $2,085
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
512 E Philadelphia Ave Unit 1 Youngstown, OH	2.0	1.0	1200	$899	$0.75	21d	1	0.40mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	43d	1	1.02mi
4322 Southern Blvd Youngstown, OH	2.0	1.0	1000	$875	$0.88	13d	1	1.11mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	43d	1	1.12mi
158 Beechwood Dr Youngstown, OH	3.0	1.5	1438	$1,100	$0.76	13d	1	1.17mi
4807 Sheridan Rd Youngstown, OH	3.0	1.5	1586	$1,750	$1.10	13d	1	1.39mi

Listing history 40 events

1. 2026-06-19
   days on market $69,500 Active 35 DOM
2. 2026-06-18
   days on market $69,500 Active 34 DOM
3. 2026-06-17
   days on market $69,500 Active 33 DOM
4. 2026-06-16
   status $69,500 Active 32 DOM
5. 2026-06-01
   statusdays on market $69,500 Pending 32 DOM
6. 2026-05-31
   days on market $69,500 Active 31 DOM
7. 2026-05-30
   days on market $69,500 Active 30 DOM
8. 2026-04-30
   listed $69,500 Active
9. 2026-03-12
   soldstatus $35,000 Closed 539-char remark

   Show marketing remark (539 chars)

   Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

10. 2026-01-29
    status Pending 539-char remark

    Show marketing remark (539 chars)

    Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

11. 2026-01-19
    status Active 539-char remark

    Show marketing remark (539 chars)

    Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

12. 2026-01-19
    price $45,000 539-char remark

    Show marketing remark (539 chars)

    Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

13. 2026-01-13
    status Pending 539-char remark

    Show marketing remark (539 chars)

    Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

14. 2025-11-13
    listed $58,000 Active 539-char remark

    Show marketing remark (539 chars)

    Don’t miss this great opportunity! This 3-bedroom home on Youngstown’s south side offers tons of potential. The first floor includes a living room, kitchen, two bedrooms, and a full bath, while the upper level features a spacious third bedroom. Additional highlights include a full basement and a 1-car detached garage for extra storage. The property needs some TLC, but with a little work, it could become a valuable investment or a wonderful place to call home. Schedule your showing today—property is being sold as-is.

15. 2025-11-06
    historical
16. 2025-10-16
    price $58,000
17. 2025-10-08
    price $55,000
18. 2025-05-29
    price $60,000
19. 2025-05-06
    listed $65,000 Active
20. 2023-08-26
    price $39,900
21. 2020-11-04
    price $39,900
22. 2020-08-25
    price $39,900
23. 2017-11-21
    soldstatus $37,500
24. 2017-08-31
    soldstatus $50,000
25. 2014-02-12
    price $89,900
26. 2014-02-12
    price $39,900
27. 2014-02-12
    price $39,900
28. 2014-02-12
    price $39,900
29. 2013-11-15
    historical
30. 2009-06-01
    soldstatus $7,500
31. 2009-03-16
    listed $9,900
32. 2005-05-24
    soldstatus $59,000
33. 2000-08-07
    historical
34. 2000-05-20
    listed $89,900
35. 1999-10-08
    listed $37,900
36. 1998-03-05
    price $89,900
37. 1998-03-05
    price $89,900
38. 1998-03-05
    price $89,900
39. 1998-03-05
    price $89,900
40. 1997-07-07
    soldstatus $21,000

ⓘ 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: $545 · $45/mo
• Projected year-2 tax: $815 · $68/mo
• Expected delta: +$269/yr (+$22/mo · 49.4%)

ⓘ 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: $13,327
• − Mortgage interest: −$3,893
• − Property taxes: −$545
• − Insurance: −$348
• − Repairs & maintenance: −$1,066
• − Management: −$1,066
• − Depreciation: −$2,022
• Taxable income: $4,387
• Est. tax owed @ 24.0%: −$1,053
• After-tax cash flow: $4,209/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 County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 9,594
• Household income: $31,170
• Rent vs Own: 51.2% rent · 48.8% own
• Severe rent burden: 566.0

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 0.67)
• Race & ethnicity: White 44% Black 35% Two or more races 12% Hispanic / Latino 11%
• Hispanic origin (detail): Mexican 1% Puerto Rican 9%
• Common ancestry: Romanian 2% Serbian 1% Iranian 1%
• Foreign-born: 4% · Canada
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Arabic 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: ▲ 1.78%
• Current HPI: 246.2163
• Rent YoY: —
• Metro: Youngstown-Warren-Boardman, OH-PA
• 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

+231.0% since first listed

33 events — show timeline

• 2026-04-30 Listed $69,500 MLSNOW
• 2026-03-12 Sold (MLS) $35,000 MLSNOW
• 2026-01-29 Pending — MLSNOW
• 2026-01-19 Relisted — MLSNOW
• 2026-01-19 Price Changed $45,000 MLSNOW
• 2026-01-13 Pending — MLSNOW
• 2025-11-13 Listed $58,000 MLSNOW
• 2025-11-06 Listing Removed — MLSNOW
• 2025-10-16 Price Changed $58,000 MLSNOW
• 2025-10-08 Price Changed $55,000 MLSNOW
• 2025-05-29 Price Changed $60,000 MLSNOW
• 2025-05-06 Listed $65,000 MLSNOW
• 2023-08-26 Price Changed $39,900 MLSNOW
• 2020-11-04 Price Changed $39,900 MLSNOW
• 2020-08-25 Price Changed $39,900 MLSNOW
• 2017-11-21 Sold (Public Records) $37,500 Public Records
• 2017-08-31 Sold (Public Records) $50,000 Public Records
• 2014-02-12 Price Changed $39,900 MLSNOW
• 2014-02-12 Price Changed $39,900 MLSNOW
• 2014-02-12 Price Changed $39,900 MLSNOW
• 2014-02-12 Price Changed $89,900 MLSNOW
• 2013-11-15 Listing Removed — MLSNOW
• 2009-06-01 Sold (MLS) $7,500 MLSNOW
• 2009-03-16 Listed $9,900 MLSNOW
• 2005-05-24 Sold (Public Records) $59,000 Public Records
• 2000-08-07 Listing Removed — MLSNOW
• 2000-05-20 Listed $89,900 MLSNOW
• 1999-10-08 Listed $37,900 MLSNOW
• 1998-03-05 Price Changed $89,900 MLSNOW
• 1998-03-05 Price Changed $89,900 MLSNOW
• 1998-03-05 Price Changed $89,900 MLSNOW
• 1998-03-05 Price Changed $89,900 MLSNOW
• 1997-07-07 Sold (Public Records) $21,000 Public Records

Property tax history

+5.0%/yr

Latest (2025): $545 · -11.9% YoY. Source: county tax records.