200 Maple St · Elmwood Place, OH 45216

$109,900

2 bd · 2.0 ba · 1,308 sqft · SingleFamily public records · 12 Days on market

Built 1895 4,487 sqft lot Est $136k · 19% 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 +27.9/30.0
• ARV discount +15.0/15.0
• DSCR +9.9/10.0
• 1% rule +7.8/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 200 Maple Street in Cincinnati--an affordable opportunity to own a spacious home with room to grow. This 2-bedroom, 2-bath property offers over 1,300 square feet of living space, featuring multiple living areas, updated flooring, and a large kitchen with plenty of cabinet space. The layout provides flexibility for a home office, additional living space, or creative use to fit your lifestyle. Upstairs, you'll find generously sized bedrooms filled with natural light, along with the added convenience of a second full bathroom. Outside, enjoy a covered front porch and a fenced yard--perfect for relaxing or entertaining. With solid space, functional updates, and the chance to add your own personal touches, this home is a great opportunity for buyers looking to build equity while staying within budget.

Key facts

• 4,487 sq ft lot
• Built 1895
• Listed 11 days

Property features AI

Finance

• Other: Zoned residential
• HOA & community: No homeowners association

Exterior

• Utilities: Public water; Public sewer; Natural gas
• Home design: Traditional single-family home; Two levels; Stone foundation
• Construction: Aluminum siding
• Exterior features: Shingle roof; Aluminum windows

Interior

• Kitchen: Kitchen approximately 12 x 10
• Bedrooms: Two bedrooms; Primary bedroom on level 2, approximately 14 x 12; Second bedroom on level 2, approximately 12 x 11
• Bathrooms: Two full bathrooms (both on level 2); Primary bathroom includes a shower
• Heating & cooling: Forced air heating (gas); Central air conditioning; Gas water heater
• Interior features: Five total rooms; Full basement

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $338 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).

Location & tenants

• Location reads 68/100 on livability (#553 in OH) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing B; Watch: employment D+, schools F, crime F.
• St Bernard-Elmwood Place City (suburban): math 36% / reading 48% proficiency, ranked #529 of 656 in OH (top 81%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 17 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 801 units permitted in Hamilton County in 2024 (190 in 5+ unit buildings).
• This rent runs 38% of the median local income ($44k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 24y ago; this cycle's ask has dropped $30k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $43k; list at $110k implies a 156% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1895 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,900

Questions for the listing agent

1. Built in 1895 — 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 F-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: 1.28% ✓
• Cap rate: 9.99%
• Cash-on-cash: 13.19%
• DSCR: 1.59
• GRM: 6.5

CMA / ARV

• ARV (on-the-fly): $136,032
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
310 Beech St	0.14mi	3/1.0 (+1)	1,274 (-3%)	8mo	$175,000	$137	73
223 Linden St	0.14mi	3/1.0 (+1)	1,382 (+6%)	6mo	$89,000	$64	70
412 Walnut St	0.19mi	3/2.0 (+1)	1,422 (+9%)	2mo	$159,900	$112	69
404 Oak St	0.17mi	3/1.0 (+1)	1,360 (+4%)	9mo	$171,000	$126	69
409 Maple St	0.17mi	3/1.0 (+1)	1,202 (-8%)	2mo	$55,000	$46	68
3 Linden St	0.16mi	2/1.0	1,469 (+12%)	6mo	$152,500	$104	63
116 W Seventieth St	0.59mi	2/1.0	1,238 (-5%)	1mo	$117,000	$95	59
122 W Sixty Fourth St	0.31mi	2/1.0	1,168 (-11%)	8mo	$65,500	$56	57
203 W Sixty Ninth St	0.53mi	3/2.0 (+1)	1,451 (+11%)	10mo	$115,000	$79	44
203 W Seventieth St	0.58mi	2/2.0	1,136 (-13%)	11mo	$180,000	$158	42
1108 Ryland Ave	0.60mi	3/2.5 (+1)	1,495 (+14%)	8mo	$268,000	$179	35
1143 Ryland Ave	0.68mi	3/1.0 (+1)	1,492 (+14%)	12mo	$124,000	$83	26

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: 3.2%
• Equity multiple: 1.12×
• Total profit: $3,764
• Equity at exit: $16,386

10-year hold

• IRR: 12.7%
• Equity multiple: 2.01×
• Total profit: $31,142
• Equity at exit: $9,502

Cash invested: $30,772 (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 45216

• Home prices YoY: -19.1%
• Active inventory: 17
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,410 high
• Mortgage (P&I): −$576
• Tax from tax record: −$153 /mo · $1,840/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $338

Break-even live

Break-even rent $982

Max offer price $109,900

Occupancy floor 71%

Sensitivity live

Price	-10% $400	-5% $369	+0% $338	+5% $307	+10% $276
Rent	-10% $227	-5% $283	+0% $338	+5% $394	+10% $450
Rate	-1.0pp $394	-0.5pp $366	base $338	+0.5pp $310	+1.0pp $281

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5912 Elmwood Ave Cincinnati, OH	3.0	1.0	1323	$1,450	$1.10	5d	1	0.15mi
6305 Vine St Unit 2 Cincinnati, OH	2.0	1.0	900	$1,100	$1.22	25d	1	0.16mi
409 Locust St Cincinnati, OH	1.0	1.0	1728	$1,600	$0.93	25d	1	0.25mi
113 W 66th St Cincinnati, OH	3.0	2.0	1166	$1,800	$1.54	5d	1	0.35mi
1231 Laidlaw Ave Unit 3 Cincinnati, OH	2.0	1.0	900	$1,550	$1.72	25d	1	0.79mi
1500 Yarmouth Ave Unit 2 Cincinnati, OH	1.0	1.0	899	$800	$0.89	18d	1	1.12mi
1649 Anita Pl Unit 3 Cincinnati, OH	2.0	1.0	1100	$1,098	$1.00	25d	1	1.21mi
1727 Garden Ln Unit 1730 5 Cincinnati, OH	2.0	1.0	1000	$1,300	$1.30	25d	1	1.30mi
1727 Garden Ln Unit 1731 2 Cincinnati, OH	2.0	1.0	1000	$1,195	$1.20	25d	1	1.30mi
1806 Dale Rd Unit 4 Cincinnati, OH	2.0	1.0	900	$1,140	$1.27	25d	1	1.41mi
1992 E Seymour Ave Cincinnati, OH	2.0	1.0	767	$1,325	$1.73	5d	7	1.46mi
7209 Brookcrest Dr Unit 2 Cincinnati, OH	2.0	1.0	1100	$1,395	$1.27	18d	1	1.47mi
7209 Brookcrest Dr Unit 1 Cincinnati, OH	2.0	1.0	1100	$1,395	$1.27	5d	1	1.47mi

Listing history 26 events

1. 2026-06-21
   days on market $109,900 Active 12 DOM
2. 2026-06-18
   price $109,900 Active 9 DOM
3. 2026-06-18
   days on market $116,900 Active 9 DOM
4. 2026-06-17
   days on market $116,900 Active 8 DOM
5. 2026-06-16
   days on market $116,900 Active 7 DOM
6. 2026-06-15
   days on market $116,900 Active 6 DOM
7. 2026-06-13
   days on market $116,900 Active 4 DOM
8. 2026-06-10
   pricedays on marketlisting id $116,900 Active 1 DOM
9. 2026-05-22
   price $128,500 818-char remark

   Show marketing remark (818 chars)

   Welcome to 200 Maple Street in Cincinnati--an affordable opportunity to own a spacious home with room to grow. This 2-bedroom, 2-bath property offers over 1,300 square feet of living space, featuring multiple living areas, updated flooring, and a large kitchen with plenty of cabinet space. The layout provides flexibility for a home office, additional living space, or creative use to fit your lifestyle. Upstairs, you'll find generously sized bedrooms filled with natural light, along with the added convenience of a second full bathroom. Outside, enjoy a covered front porch and a fenced yard--perfect for relaxing or entertaining. With solid space, functional updates, and the chance to add your own personal touches, this home is a great opportunity for buyers looking to build equity while staying within budget.

10. 2026-05-07
    listed $139,900 Active
11. 2026-05-06
    price $139,900 818-char remark

    Show marketing remark (818 chars)

    Welcome to 200 Maple Street in Cincinnati--an affordable opportunity to own a spacious home with room to grow. This 2-bedroom, 2-bath property offers over 1,300 square feet of living space, featuring multiple living areas, updated flooring, and a large kitchen with plenty of cabinet space. The layout provides flexibility for a home office, additional living space, or creative use to fit your lifestyle. Upstairs, you'll find generously sized bedrooms filled with natural light, along with the added convenience of a second full bathroom. Outside, enjoy a covered front porch and a fenced yard--perfect for relaxing or entertaining. With solid space, functional updates, and the chance to add your own personal touches, this home is a great opportunity for buyers looking to build equity while staying within budget.

12. 2026-05-02
    listed $156,000 Active 818-char remark

    Show marketing remark (818 chars)

    Welcome to 200 Maple Street in Cincinnati--an affordable opportunity to own a spacious home with room to grow. This 2-bedroom, 2-bath property offers over 1,300 square feet of living space, featuring multiple living areas, updated flooring, and a large kitchen with plenty of cabinet space. The layout provides flexibility for a home office, additional living space, or creative use to fit your lifestyle. Upstairs, you'll find generously sized bedrooms filled with natural light, along with the added convenience of a second full bathroom. Outside, enjoy a covered front porch and a fenced yard--perfect for relaxing or entertaining. With solid space, functional updates, and the chance to add your own personal touches, this home is a great opportunity for buyers looking to build equity while staying within budget.

13. 2010-05-17
    historical
14. 2010-02-23
    listed $37,000
15. 2010-02-20
    historical
16. 2009-08-28
    listed $43,500
17. 2005-10-15
    historical
18. 2005-04-15
    listed $79,900
19. 2005-02-24
    soldstatus $42,900
20. 2005-02-23
    soldstatus $42,900
21. 2004-10-27
    listed $42,500
22. 2002-10-24
    soldstatus $75,000
23. 2002-07-10
    soldstatus $46,526
24. 2002-02-22
    listed $49,900
25. 1997-01-07
    soldstatus $66,300
26. 1987-07-15
    soldstatus $43,500

ⓘ 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: $1,840 · $153/mo
• Projected year-2 tax: $1,840 · $153/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 5/10 Major 7 d/yr ≥103°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,917
• − Mortgage interest: −$6,156
• − Property taxes: −$1,840
• − Insurance: −$550
• − Repairs & maintenance: −$1,353
• − Management: −$1,353
• − Depreciation: −$3,197
• Taxable income: $2,467
• Est. tax owed @ 24.0%: −$592
• After-tax cash flow: $3,466/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: St Bernard-Elmwood Place City
• NCES district ID: 3904471
• Math proficiency: 36% ▼ -11.00%
• Reading proficiency: 48% ▼ -9.00%
• Median HH income: $41,587
• Composite: 35.3/100
• National rank: #4966
• State rank: #529 of 656 in OH

Livability — Elmwood Place

• Score: 68/100
• State rank: #553
• US rank: #9449

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Elmwood Place, OH
• County: Hamilton County · 701,295 people
• Metro: Cincinnati, OH-KY-IN
• Population (ZIP): 9,569
• Household income: $44,099
• Rent vs Own: 48.9% rent · 51.1% own
• Severe rent burden: 407.0

Population outlook (Hamilton County) Hauer SSP2

• Today (2025): 826,054 people
• By 2030: 830,947 · +0.6%
• By 2040: 832,319 · +0.8%
• By 2050: 822,428 · -0.4%
• By 2075: 788,688 · -4.5%
• By 2100: 710,674 · -14.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 56% Black 20% Hispanic / Latino 15% Two or more races 10%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Romanian 2% Serbian 2% Iranian 1%
• Foreign-born: 12% · Canada, Guatemala
• Languages at home: 88% English-only · Spanish 11%

Political lean MEDSL · Hamilton

• 2024 margin: D (+14.9) · D 57.0% · R 42.1%
• 2008→2024 swing: +7.9pp toward D · 2008: 7.0pp · 2024: 14.9pp
• All cycles: 2024: D+14.9 2020: D+15.9 2016: D+9.5 2012: D+4.9 2008: D+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.73%
• Current HPI: 248.8995
• Rent YoY: —
• Metro: Cincinnati, OH-KY-IN
• 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

+195.4% since first listed

18 events — show timeline

• 2026-05-22 Price Changed $128,500 CBRMLS
• 2026-05-07 Listed $139,900 Cincy MLS
• 2026-05-06 Price Changed $139,900 CBRMLS
• 2026-05-02 Listed $156,000 CBRMLS
• 2010-05-17 Listing Removed — Cincy MLS
• 2010-02-23 Listed $37,000 Cincy MLS
• 2010-02-20 Listing Removed — Cincy MLS
• 2009-08-28 Listed $43,500 Cincy MLS
• 2005-10-15 Listing Removed — Cincy MLS
• 2005-04-15 Listed $79,900 Cincy MLS
• 2005-02-24 Sold (Public Records) $42,900 Public Records
• 2005-02-23 Sold (MLS) $42,900 Cincy MLS
• 2004-10-27 Listed $42,500 Cincy MLS
• 2002-10-24 Sold (Public Records) $75,000 Public Records
• 2002-07-10 Sold (MLS) $46,526 Cincy MLS
• 2002-02-22 Listed $49,900 Cincy MLS
• 1997-01-07 Sold (Public Records) $66,300 Public Records
• 1987-07-15 Sold (Public Records) $43,500 Public Records

Property tax history

+12.3%/yr

Latest (2025): $1,840 · +1.1% YoY. Source: county tax records.