317 S Miami Ave · Bradford, OH 45308

$95,000

2 bd · 1.0 ba · 652 sqft · SingleFamily public records · 19 Days on market

Built 1942 5,824 sqft lot

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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 +20.8/30.0
• ARV discount +7.5/15.0
• DSCR +6.6/10.0
• 1% rule +4.8/10.0
• Schools +3.7/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Are you looking for something smaller or just starting out? Take a look at this nice cozy house that has a nice size living room, with eat in kitchen. All appliances stay, dishwasher hasn't been used in about 3 years. Vinyl flooring throughout the house. New bathroom vanity, water heater about 1 year old. Back metal roof replaced 2024. A/C currently not working, having it checked out. Shed conveys.

Key facts

• Vinyl flooring
• Eat in kitchen
• Water heater

Tags

• EAT IN KITCHEN
• ALL APPLIANCES STAY
• VINYL FLOORING
• NEW BATHROOM VANITY
• WATER HEATER
• BACK METAL ROOF

Property features AI

Finance

• Financial info: Offered for sale

Exterior

• Parking: No garage
• Utilities: Natural gas available; Public water; Sewer available
• Home design: Single-story home
• Construction: Vinyl siding; Slab foundation
• Exterior features: Front porch; Patio; Storage; Shed(s)

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Two main-level bedrooms (11 x 9 and 14 x 10)
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air heating; Natural gas heating
• Interior features: Crawl space basement
• Laundry & utility: Washer; Dryer; Gas water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $131 ($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 $93k (2.3% below list).
• Recommended offer: $93k (2.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 73/100 on livability (#336 in OH) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Bradford Exempted Village (rural): math 35% / reading 51% proficiency, ranked #510 of 656 in OH (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 43 units permitted in Darke County in 2024 (0 in 5+ unit buildings).
• This rent is only 16% of the median local income ($71k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Darke County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 4y 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 $65k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $92,845 (2.3% below list)

Questions for the listing agent

1. Built in 1942 — 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. 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.
4. 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.
5. 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: 0.98% ✗
• Cap rate: 7.94%
• Cash-on-cash: 5.90%
• DSCR: 1.26
• GRM: 8.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -7.2%
• Equity multiple: 0.73×
• Total profit: $-7,087
• Equity at exit: $14,165

10-year hold

• IRR: 2.4%
• Equity multiple: 1.17×
• Total profit: $4,474
• Equity at exit: $8,214

Cash invested: $26,600 (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 45308

• Home prices YoY: -27.6%
• Active inventory: 15
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $928 medium
• Mortgage (P&I): −$498
• Tax from tax record: −$65 /mo · $780/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$195
• Net cashflow: $131

Break-even live

Break-even rent $763

Max offer price $95,000

Occupancy floor 81%

Sensitivity live

Price	-10% $185	-5% $158	+0% $131	+5% $104	+10% $77
Rent	-10% $57	-5% $94	+0% $131	+5% $167	+10% $204
Rate	-1.0pp $179	-0.5pp $155	base $131	+0.5pp $106	+1.0pp $81

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-21
   days on market $95,000 Active 19 DOM
2. 2026-06-18
   days on market $95,000 Active 17 DOM
3. 2026-06-17
   days on market $95,000 Active 16 DOM
4. 2026-06-16
   days on market $95,000 Active 15 DOM
5. 2026-06-15
   days on market $95,000 Active 14 DOM
6. 2026-06-13
   days on market $95,000 Active 12 DOM
7. 2026-06-12
   days on market $95,000 Active 11 DOM
8. 2026-06-09
   days on market $95,000 Active 8 DOM
9. 2026-06-08
   days on market $95,000 Active 7 DOM
10. 2026-06-07
    days on market $95,000 Active 6 DOM
11. 2026-06-07
    days on market $95,000 Active 5 DOM
12. 2026-06-04
    days on market $95,000 Active 2 DOM
13. 2026-06-01
    remarks 403-char remark

    Show marketing remark (408 chars)

    Are you looking for something smaller or just starting out? Take a look at this nice cozy house that has a nice size living room, with eat in kitchen. All appliances stay, dishwasher hasn't been used in about 3 years. Vinyl flooring throughout the house. New bathroom vanity, water heater about 1 year old. Back metal roof replaced 2024. A/C currently not working, having it checked out. Shed conveys.

14. 2026-06-01
    listed $95,000 Active 1 DOM

    Show marketing remark (408 chars)

    Are you looking for something smaller or just starting out? Take a look at this nice cozy house that has a nice size living room, with eat in kitchen. All appliances stay, dishwasher hasn't been used in about 3 years. Vinyl flooring throughout the house. New bathroom vanity, water heater about 1 year old. Back metal roof replaced 2024. A/C currently not working, having it checked out. Shed conveys.

ⓘ 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: $780 · $65/mo
• Projected year-2 tax: $1,131 · $94/mo
• Expected delta: +$351/yr (+$29/mo · 45.0%)

ⓘ 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 ≥99°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,141
• − Mortgage interest: −$5,321
• − Property taxes: −$780
• − Insurance: −$475
• − Repairs & maintenance: −$891
• − Management: −$891
• − Depreciation: −$2,764
• Taxable income: $19
• Est. tax owed @ 24.0%: −$5
• After-tax cash flow: $1,564/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: Bradford Exempted Village
• NCES district ID: 3904522
• Math proficiency: 35% ▼ -23.00%
• Reading proficiency: 51% ▼ -11.00%
• Median HH income: $49,488
• Composite: 36.87/100
• National rank: #4549
• State rank: #510 of 656 in OH

Livability — Bradford

• Score: 73/100
• State rank: #336
• US rank: #5512

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradford, OH
• County: Darke · 50,606 people
• Population (ZIP): 4,376
• Household income: $70,744
• Rent vs Own: 17.5% rent · 82.5% own

Population outlook (Darke County) Hauer SSP2

• Today (2025): 49,377 people
• By 2030: 47,494 · -3.8%
• By 2040: 43,553 · -11.8%
• By 2050: 39,320 · -20.4%
• By 2075: 30,091 · -39.1%
• By 2100: 21,110 · -57.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3%
• Common ancestry: Lithuanian 3% Italian 1%
• Foreign-born: 0%

Political lean MEDSL · Darke

• 2024 margin: Solid R (+65.4) · D 17.0% · R 82.3%
• 2008→2024 swing: -29.2pp toward R · 2008: -36.1pp · 2024: -65.4pp
• All cycles: 2024: R+65.4 2020: R+63.6 2016: R+61.2 2012: R+44.9 2008: R+36.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -84.70%
• Current HPI: 222.0054
• 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

+850.0% since first listed

28 events — show timeline

• 2026-06-01 Listed $95,000 Dayton MLS
• 2026-06-01 Listed $95,000 WRIST
• 2022-11-09 Sold (MLS) $65,000 WRIST
• 2022-11-09 Sold (MLS) $65,000 Dayton MLS
• 2022-11-09 Sold (MLS) $65,000 Dayton MLS
• 2022-10-26 Pending — Dayton MLS
• 2022-10-26 Pending — WRIST
• 2022-10-12 Contingent — Dayton MLS
• 2022-10-12 Contingent — WRIST
• 2022-10-07 Price Changed $68,000 Dayton MLS
• 2022-10-07 Price Changed $68,000 WRIST
• 2022-09-03 Price Changed $69,900 Dayton MLS
• 2022-09-02 Price Changed $69,900 WRIST
• 2022-08-12 Relisted — WRIST
• 2022-08-12 Relisted — Dayton MLS
• 2022-08-03 Pending — WRIST
• 2022-08-03 Contingent — Dayton MLS
• 2022-06-30 Price Changed $72,900 Dayton MLS
• 2022-06-30 Price Changed $72,900 WRIST
• 2022-06-20 Price Changed $74,900 Dayton MLS
• 2022-06-20 Price Changed $74,900 WRIST
• 2022-06-07 Price Changed $79,900 Dayton MLS
• 2022-06-07 Price Changed $79,900 WRIST
• 2022-05-27 Relisted — Dayton MLS
• 2022-05-20 Pending — Dayton MLS
• 2022-05-16 Listed $82,900 WRIST
• 2022-05-16 Listed $82,900 Dayton MLS
• 2000-01-28 Sold (Public Records) $10,000 Public Records

Property tax history

+8.2%/yr

Latest (2025): $780 · -0.4% YoY. Source: county tax records.