824 Ohio Ave · McDonald, OH 44437

$135,000

2 bd · 1.0 ba · 1,200 sqft · SingleFamily public records · 3 Days on market

Built 1950 10,193 sqft lot Est $137k · at est.

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Why this score? — see what drove the C- 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 +19.9/30.0
• ARV discount +8.1/15.0
• DSCR +6.3/10.0
• Schools +5.3/10.0
• 1% rule +4.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Two bedroom McDonald ranch. Large family room addition with wood burning stove. Dinette area. First floor laundry area. Over-sized two car garage. Extra deep double lot.

Key facts

• Large family room
• New landscaping
• Updated kitchen

Tags

• LARGE FAMILY ROOM
• FULL-SIZE LIVING ROOM
• UPDATED KITCHEN
• UPDATED BATHROOM
• OVERSIZED 2 CAR GARAGE
• NEW LANDSCAPING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $163 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (3.5% below list).
• Recommended offer: $130k (3.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#376 in OH) — a middle-class / working-renter tenant base. Strengths: schools A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Mcdonald Local (suburban): math 57% / reading 67% proficiency, ranked #259 of 656 in OH (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 21 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 17y 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 $38k; list at $135k implies a 255% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,213 (3.5% below list)

Questions for the listing agent

1. Built in 1950 — 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: 0.96% ✗
• Cap rate: 7.74%
• Cash-on-cash: 5.17%
• DSCR: 1.23
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $136,800
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
925 Ohio Ave	0.12mi	3/1.0 (+1)	1,186 (-1%)	6mo	$124,000	$105	82
943 Ohio Ave	0.15mi	3/1.0 (+1)	1,152 (-4%)	3mo	$90,900	$79	79
438 Grant St	0.45mi	2/1.0	1,200 (0%)	1mo	$137,000	$114	78
438 Hayes Ave	0.47mi	2/1.0	1,148 (-4%)	4mo	$125,000	$109	67
1066 Iowa Ave	0.35mi	3/2.0 (+1)	1,220 (+2%)	14mo	$185,000	$152	60
419 Hayes Ave	0.52mi	3/1.5 (+1)	1,152 (-4%)	6mo	$140,000	$122	57
3385 Hughes Ave	0.73mi	3/1.0 (+1)	1,196 (-0%)	6mo	$159,000	$133	55
410 Mckinley Blvd	0.56mi	3/2.0 (+1)	1,192 (-1%)	12mo	$193,900	$163	53
334 Hayes Ave	0.58mi	3/1.0 (+1)	1,284 (+7%)	8mo	$129,900	$101	49
408 Indiana Ave	0.49mi	3/2.0 (+1)	1,248 (+4%)	15mo	$150,000	$120	49
522 Illinois Ave	0.37mi	3/2.0 (+1)	1,350 (+12%)	8mo	$120,000	$89	47
456 Mcdonald Ave	0.61mi	2/1.0	1,360 (+13%)	3mo	$107,500	$79	46

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: -8.3%
• Equity multiple: 0.70×
• Total profit: $-11,523
• Equity at exit: $20,129

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $3,236
• Equity at exit: $11,672

Cash invested: $37,800 (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 44437

• Home prices YoY: -7.8%
• Active inventory: 21
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,302 high
• Mortgage (P&I): −$708
• Tax from tax record: −$102 /mo · $1,219/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $163

Break-even live

Break-even rent $1,096

Max offer price $135,000

Occupancy floor 82%

Sensitivity live

Price	-10% $239	-5% $201	+0% $163	+5% $125	+10% $86
Rent	-10% $60	-5% $111	+0% $163	+5% $214	+10% $266
Rate	-1.0pp $231	-0.5pp $197	base $163	+0.5pp $128	+1.0pp $92

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3504 Oakview Dr Girard, OH	3.0	1.0	1276	$1,450	$1.14	14d	1	0.78mi
103 Hazel St Girard, OH	2.0	1.5	1152	$1,100	$0.95	14d	1	1.26mi
135 E Broadway Ave Girard, OH	2.0	1.0	1120	$995	$0.89	14d	1	1.36mi
1079 North Ave Girard, OH	3.0	2.0	1462	$1,600	$1.09	14d	1	1.36mi
701 Summit Ave Niles, OH	2.0	1.0–2.0	963	$1,220	$1.27	14d	1	1.42mi
848 Lawrence Ave Girard, OH	3.0	1.0	950	$1,400	$1.47	14d	1	1.44mi

Listing history 5 events

1. 2026-06-18
   status $135,000 Pending 3 DOM
2. 2026-06-18
   days on market $135,000 Active 3 DOM
3. 2026-06-17
   days on market $135,000 Active 2 DOM
4. 2026-06-15
   remarks 576-char remark
5. 2026-06-15
   listed $135,000 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: $1,219 · $102/mo
• Projected year-2 tax: $1,663 · $139/mo
• Expected delta: +$443/yr (+$37/mo · 36.4%)

ⓘ 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 ≥98°F today · 18 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: $15,626
• − Mortgage interest: −$7,562
• − Property taxes: −$1,219
• − Insurance: −$675
• − Repairs & maintenance: −$1,250
• − Management: −$1,250
• − Depreciation: −$3,927
• Taxable loss: −$258
• Est. tax savings @ 24.0%: +$62
• After-tax cash flow: $2,017/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: Mcdonald Local
• NCES district ID: 3905022
• Math proficiency: 57% ▼ -20.00%
• Reading proficiency: 67% ▼ -11.00%
• Median HH income: $49,637
• Composite: 52.66/100
• National rank: #1554
• State rank: #259 of 656 in OH

Livability — McDonald

• Score: 72/100
• State rank: #376
• US rank: #6131

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McDonald, OH
• County: Trumbull · 193,293 people
• City population: 3,900
• Metro: Youngstown-Warren, OH
• Population (ZIP): 3,900
• Household income: $72,545
• Rent vs Own: 17.1% rent · 82.9% own

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Romanian 7% Scotch-Irish 2% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 96% English-only · Other Indo-European 3% Spanish 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.52%
• Current HPI: 241.8126
• 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

+98.8% since first listed

13 events — show timeline

• 2026-06-14 Listed $135,000 MLSNOW
• 2015-04-24 Sold (Public Records) $38,000 Public Records
• 2015-04-20 Sold (MLS) $38,000 MLSNOW
• 2015-02-27 Listing Removed — MLSNOW
• 2014-08-29 Listed $39,900 MLSNOW
• 2014-07-30 Listing Removed — MLSNOW
• 2014-01-23 Listed $52,900 MLSNOW
• 2013-09-30 Listing Removed — MLSNOW
• 2012-08-29 Listed $52,900 MLSNOW
• 2012-05-17 Sold (Public Records) $34,000 Public Records
• 2010-12-15 Listing Removed — MLSNOW
• 2009-09-01 Listed $59,900 MLSNOW
• 1999-10-19 Sold (Public Records) $67,900 Public Records

Property tax history

+1.2%/yr

Latest (2025): $1,219 · +0.5% YoY. Source: county tax records.