708 Miller St · Youngstown, OH 44502

$72,000

3 bd · 1.0 ba · 1,304 sqft · SingleFamily public records · 27 Days on market

Built 1958 7,187 sqft lot Est $59k · 23% over

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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
• 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
• ARV discount +0.0/15.0

Listing remarks MLS

How About A Date Today! To see a home worth the money! All brick 3 bedroom ranch featuring new carpeting complimenting a fresh paint finish on interior walls! Spacious kitchen with loads of cabinets and built in appliances including refrigerator. The living room is huge and there is an abundance of closet space. Sit underneath the covered patio attached to the garage. Sell includes 2 parcel #'s 531120349000/531120351000. The price you can't beat! Let me show you a good buy!

Key facts

• Eat in kitchen
• Brick ranch home
• Covered patio

Tags

• BRICK RANCH HOME
• BRICK GARAGE
• COVERED PATIO
• SPACIOUS LIVING ROOM
• EAT IN KITCHEN
• FULL BASEMENT

Property features AI

Exterior

• Parking: Detached garage (1 car) on concrete
• Utilities: Public water; Public sewer
• Home design: Single-story home; Brick construction; Asphalt roof
• Construction: Built (year source: public records)
• Exterior features: Patio

Interior

• Bedrooms: 3 main-level bedrooms
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air heating
• Interior features: Full basement; Total of 5 rooms; Property listed as fixer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $72k.

Deal economics

• At list price, monthly cash flow is $500 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $72k).
• Recommended offer: $71k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.6% 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 22d 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).
• At $1,201/mo this rent would consume 46% of the median local household income ($31k/yr) (locally 566% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $2k of equity ($498 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 $20k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($71k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 25y 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 $25k; list at $72k implies a 188% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $70,920 (1.5% below list)

Questions for the listing agent

1. Built in 1958 — 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. 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?
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: 1.67% ✓
• Cap rate: 14.63%
• Cash-on-cash: 29.79%
• DSCR: 2.33
• GRM: 5.0

CMA / ARV

• ARV (on-the-fly): $58,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
708 Miller St	0.00mi	3/1.0	1,304 (0%)	1mo	$55,000	$42	99
609 E Dewey Ave	0.17mi	3/1.0	1,278 (-2%)	1mo	$34,000	$27	88
544 Miller St	0.09mi	3/1.5	1,170 (-10%)	3mo	$47,000	$40	74
827 E Avondale Ave	0.48mi	3/1.0	1,224 (-6%)	5mo	$64,000	$52	64
1210 Aberdeen Ave	0.68mi	3/2.0	1,316 (+1%)	1mo	$177,000	$134	62
1208 Aberdeen Ave	0.67mi	3/2.0	1,316 (+1%)	2mo	$175,000	$133	62
557 Cameron Ave	0.29mi	3/1.0	1,476 (+13%)	5mo	$50,000	$34	60
582 Roxbury Ave	0.74mi	3/1.0	1,256 (-4%)	1mo	$112,900	$90	59
95 E Earle Ave	0.65mi	3/1.0	1,220 (-6%)	2mo	$66,000	$54	57
3005 Rush Blvd	0.50mi	3/1.0	1,160 (-11%)	2mo	$26,000	$22	57
884 E Dewey Ave	0.33mi	3/2.0	1,488 (+14%)	5mo	$39,000	$26	53
221 E Avondale Ave	0.68mi	3/1.0	1,181 (-9%)	3mo	$53,000	$45	50

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: 33.5%
• Equity multiple: 2.78×
• Total profit: $35,984
• Equity at exit: $27,533

10-year hold

• IRR: 35.0%
• Equity multiple: 5.43×
• Total profit: $89,380
• Equity at exit: $38,992

Cash invested: $20,160 (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: 5.0×

Monthly cashflow live

• Estimated rent: $1,201 high
• Mortgage (P&I): −$378
• Tax from tax record: −$40 /mo · $485/yr
• Insurance: −$30
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $500

Break-even live

Break-even rent $567

Max offer price $72,000

Occupancy floor 53%

Sensitivity live

Price	-10% $541	-5% $521	+0% $500	+5% $480	+10% $460
Rent	-10% $406	-5% $453	+0% $500	+5% $548	+10% $595
Rate	-1.0pp $537	-0.5pp $519	base $500	+0.5pp $482	+1.0pp $463

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: $18,000
• Closing costs: $2,160
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
540 Cameron Ave Youngstown, OH	4.0	2.0	1780	$1,300	$0.73	21d	1	0.31mi
512 E Philadelphia Ave Unit 1 Youngstown, OH	2.0	1.0	1200	$899	$0.75	21d	1	0.33mi
236 Hilton Ave Youngstown, OH	4.0	1.5	1488	$1,195	$0.80	21d	1	0.83mi
3446 Ambert Ave Youngstown, OH	4.0	1.0	1100	$1,250	$1.14	14d	1	1.16mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	44d	1	1.37mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	44d	1	1.47mi

Listing history 14 events

1. 2026-05-10
   status Pending
2. 2026-05-01
   status Active
3. 2026-04-17
   historical Contingent
4. 2026-04-12
   listed $72,000 Active
5. 2023-07-21
   historical
6. 2023-07-12
   price $59,900
7. 2023-06-13
   price $64,900
8. 2023-06-01
   listed $69,900 Active
9. 2014-10-01
   soldstatus $25,015 479-char remark

   Show marketing remark (479 chars)

   How About A Date Today! To see a home worth the money! All brick 3 bedroom ranch featuring new carpeting complimenting a fresh paint finish on interior walls! Spacious kitchen with loads of cabinets and built in appliances including refrigerator. The living room is huge and there is an abundance of closet space. Sit underneath the covered patio attached to the garage. Sell includes 2 parcel #'s 531120349000/531120351000. The price you can't beat! Let me show you a good buy!

10. 2014-09-29
    historical 479-char remark

    Show marketing remark (479 chars)

    How About A Date Today! To see a home worth the money! All brick 3 bedroom ranch featuring new carpeting complimenting a fresh paint finish on interior walls! Spacious kitchen with loads of cabinets and built in appliances including refrigerator. The living room is huge and there is an abundance of closet space. Sit underneath the covered patio attached to the garage. Sell includes 2 parcel #'s 531120349000/531120351000. The price you can't beat! Let me show you a good buy!

11. 2014-09-05
    listed $24,900 479-char remark

    Show marketing remark (479 chars)

    How About A Date Today! To see a home worth the money! All brick 3 bedroom ranch featuring new carpeting complimenting a fresh paint finish on interior walls! Spacious kitchen with loads of cabinets and built in appliances including refrigerator. The living room is huge and there is an abundance of closet space. Sit underneath the covered patio attached to the garage. Sell includes 2 parcel #'s 531120349000/531120351000. The price you can't beat! Let me show you a good buy!

12. 2014-01-09
    soldstatus $28,000
13. 2001-09-04
    soldstatus $49,000
14. 2001-07-16
    listed $49,900

ⓘ 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: $485 · $40/mo
• Projected year-2 tax: $804 · $67/mo
• Expected delta: +$319/yr (+$27/mo · 65.8%)

ⓘ 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 ≥96°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: $14,407
• − Mortgage interest: −$4,033
• − Property taxes: −$485
• − Insurance: −$360
• − Repairs & maintenance: −$1,153
• − Management: −$1,153
• − Depreciation: −$2,095
• Taxable income: $5,129
• Est. tax owed @ 24.0%: −$1,231
• After-tax cash flow: $4,775/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

+44.3% since first listed

14 events — show timeline

• 2026-05-10 Pending — MLSNOW
• 2026-05-01 Relisted — MLSNOW
• 2026-04-17 Contingent — MLSNOW
• 2026-04-12 Listed $72,000 MLSNOW
• 2023-07-21 Listing Removed — MLSNOW
• 2023-07-12 Price Changed $59,900 MLSNOW
• 2023-06-13 Price Changed $64,900 MLSNOW
• 2023-06-01 Listed $69,900 MLSNOW
• 2014-10-01 Sold (MLS) $25,015 MLSNOW
• 2014-09-29 Listing Removed — MLSNOW
• 2014-09-05 Listed $24,900 MLSNOW
• 2014-01-09 Sold (Public Records) $28,000 Public Records
• 2001-09-04 Sold (Public Records) $49,000 Public Records
• 2001-07-16 Listed $49,900 MLSNOW

Property tax history

-5.6%/yr

Latest (2025): $485 · -11.8% YoY. Source: county tax records.