304 W Lynn St · Stryker, OH 43557

$85,000

3 bd · 1.0 ba · 1,080 sqft · SingleFamily public records · 25 Days on market

Built 1920 7,449 sqft lot Est $140k · 39% 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 +28.9/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.7/10.0
• Schools +6.3/10.0
• 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

NICE AFFORDABLE HOME WITH 3 BEDROOMS AND 1 FULL BATH. GREAT FIRST HOME OR RENTAL. CURRENT RENTER PAYS $400/MO. LARGE FENCED-IN YARD WITH ROOM TO ROAM. VERY REASONABLE PAYMENTS. SET YOUR APPOINTMENT UP TODAY.

Key facts

• 7,449 sq ft lot
• Garage
• Built 1920

Property features AI

Exterior

• Parking: Detached 1-car garage; Driveway; Off-street parking
• Utilities: Public water; Sanitary sewer; Other utilities
• Home design: Single family residence; Detached (no common walls); Two levels
• Construction: Vinyl siding; Block foundation; Built as a residential single family home
• Exterior features: Enclosed porch; Front porch; Rear porch; Chain link fencing; Shingle roof

Interior

• Kitchen: Electric cooktop; Refrigerator
• Bedrooms: Upper bedroom (approx. 8 x 9)
• Flooring: Carpet; Hardwood; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (natural gas); Ceiling fan(s); Window unit(s)
• Interior features: Open floorplan; Unfinished basement
• Laundry & utility: Washer; Dryer; Laundry on main level

🏷️ Possibly a rental listed for sale. The $85,000 price doesn't fit this home's estimated sale value (~$140,400) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $289 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $84k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#361 in OH) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Stryker Local (rural): math 73% / reading 73% proficiency, ranked #226 of 802 in OH (top 28%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Zoned schools: Stryker Elementary School (math 62% / reading 67%, grade B, #522 of 1,584 statewide, top 36%, 239 students, 0% FRL); Stryker High School (math 67% / reading 67%, grade B, #137 of 781 statewide, top 19%, 150 students, 98% FRL).
• Market conditions: 6 active listings in the ZIP; solid renter incomes; 40 units permitted in Williams County in 2024 (0 in 5+ unit buildings).
• This rent is only 16% of the median local income ($80k/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 $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Williams County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 20y ago; this cycle's ask is 14% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $65k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $83,725 (1.5% below list)

Questions for the listing agent

1. Built in 1920 — 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: 1.27% ✓
• Cap rate: 10.37%
• Cash-on-cash: 14.57%
• DSCR: 1.65
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $140,400
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
305 W Mulberry St	0.03mi	3/1.0	1,209 (+12%)	5mo	$149,500	$124	74
301 W Mulberry St	0.03mi	3/1.0	1,146 (+6%)	20mo	$90,000	$79	72
103 King St	0.37mi	3/2.0	1,080 (0%)	11mo	$123,000	$114	70
406 Washington St	0.32mi	3/1.0	1,040 (-4%)	15mo	$141,850	$136	66
602 Moyer Ave	0.54mi	3/1.0	1,040 (-4%)	8mo	$175,000	$168	62
109 King St	0.40mi	3/2.0	1,040 (-4%)	17mo	$190,000	$183	57
108 E Church St	0.37mi	3/1.5	1,212 (+12%)	6mo	$70,000	$58	56
114 W Allison St	0.39mi	3/1.0	1,237 (+14%)	9mo	$145,000	$117	50
106 E Church St	0.35mi	3/1.0	924 (-14%)	13mo	$18,000	$19	49
302 Tyler Ln	0.71mi	3/2.0	1,210 (+12%)	2mo	$195,900	$162	42
100 Johnson Ave	0.47mi	3/2.0	1,212 (+12%)	20mo	$157,500	$130	37
308 Tyler Ln	0.74mi	3/2.0	1,210 (+12%)	9mo	$207,000	$171	34

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: 5.0%
• Equity multiple: 1.19×
• Total profit: $4,630
• Equity at exit: $12,674

10-year hold

• IRR: 14.5%
• Equity multiple: 2.17×
• Total profit: $27,731
• Equity at exit: $7,349

Cash invested: $23,800 (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 43557

• Home prices YoY: -8.3%
• Active inventory: 6
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,078 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$81 /mo · $974/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $289

Break-even live

Break-even rent $712

Max offer price $85,000

Occupancy floor 68%

Sensitivity live

Price	-10% $337	-5% $313	+0% $289	+5% $265	+10% $241
Rent	-10% $204	-5% $246	+0% $289	+5% $331	+10% $374
Rate	-1.0pp $332	-0.5pp $311	base $289	+0.5pp $267	+1.0pp $245

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Listing history 34 events

1. 2026-06-21
   statusdays on market $85,000 Contingent 25 DOM
2. 2026-06-18
   days on market $85,000 Active 23 DOM
3. 2026-06-17
   days on market $85,000 Active 22 DOM
4. 2026-06-16
   days on market $85,000 Active 21 DOM
5. 2026-06-15
   days on market $85,000 Active 20 DOM
6. 2026-06-14
   price $85,000 Active 18 DOM
7. 2026-06-13
   days on market $105,000 Active 18 DOM
8. 2026-06-12
   days on market $105,000 Active 17 DOM
9. 2026-06-09
   days on market $105,000 Active 14 DOM
10. 2026-06-08
    days on market $105,000 Active 13 DOM
11. 2026-06-08
    days on market $105,000 Active 12 DOM
12. 2026-06-07
    days on market $105,000 Active 11 DOM
13. 2026-06-04
    days on market $105,000 Active 8 DOM
14. 2026-06-02
    days on market $105,000 Active 7 DOM
15. 2026-06-01
    days on market $105,000 Active 6 DOM
16. 2026-05-31
    days on market $105,000 Active 5 DOM
17. 2026-05-23
    historical $105,000
18. 2025-10-14
    price $22,500 212-char remark

    Show marketing remark (166 chars)

    Move in ready and affordable living. New siding, insulation, windows, lighting, cabinets, doors, carpeting and paint. Fenced in back yard. Come and see for yourself!

19. 2025-10-14
    price $65,000 166-char remark

    Show marketing remark (166 chars)

    Move in ready and affordable living. New siding, insulation, windows, lighting, cabinets, doors, carpeting and paint. Fenced in back yard. Come and see for yourself!

20. 2020-07-13
    soldstatus $65,000 166-char remark

    Show marketing remark (166 chars)

    Move in ready and affordable living. New siding, insulation, windows, lighting, cabinets, doors, carpeting and paint. Fenced in back yard. Come and see for yourself!

21. 2020-07-13
    soldstatus $65,000

    Show marketing remark (166 chars)

    Move in ready and affordable living. New siding, insulation, windows, lighting, cabinets, doors, carpeting and paint. Fenced in back yard. Come and see for yourself!

22. 2019-12-29
    listed $74,500 166-char remark

    Show marketing remark (166 chars)

    Move in ready and affordable living. New siding, insulation, windows, lighting, cabinets, doors, carpeting and paint. Fenced in back yard. Come and see for yourself!

23. 2019-05-03
    soldstatus $22,500 212-char remark

    Show marketing remark (212 chars)

    NICE AFFORDABLE HOME WITH 3 BEDROOMS AND 1 FULL BATH. GREAT FIRST HOME OR RENTAL. CURRENT RENTER PAYS $400/MO. LARGE FENCED-IN YARD WITH ROOM TO ROAM. VERY REASONABLE PAYMENTS. SET YOUR APPOINTMENT UP TODAY.

24. 2018-05-10
    listed $28,500 212-char remark

    Show marketing remark (212 chars)

    NICE AFFORDABLE HOME WITH 3 BEDROOMS AND 1 FULL BATH. GREAT FIRST HOME OR RENTAL. CURRENT RENTER PAYS $400/MO. LARGE FENCED-IN YARD WITH ROOM TO ROAM. VERY REASONABLE PAYMENTS. SET YOUR APPOINTMENT UP TODAY.

25. 2009-03-13
    soldstatus $30,000
26. 2009-03-13
    soldstatus $30,000
27. 2009-01-13
    listed $30,000
28. 2007-05-11
    soldstatus $69,900
29. 2007-05-01
    soldstatus $69,900
30. 2006-12-05
    historical
31. 2006-11-30
    listed $69,900
32. 2006-05-05
    listed $72,900
33. 1998-06-10
    soldstatus $55,000
34. 1998-06-01
    soldstatus $37,000

ⓘ 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: $974 · $81/mo
• Projected year-2 tax: $1,150 · $96/mo
• Expected delta: +$176/yr (+$15/mo · 18.1%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,930
• − Mortgage interest: −$4,761
• − Property taxes: −$974
• − Insurance: −$425
• − Repairs & maintenance: −$1,034
• − Management: −$1,034
• − Depreciation: −$2,473
• Taxable income: $2,229
• Est. tax owed @ 24.0%: −$535
• After-tax cash flow: $2,932/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: Stryker Local
• NCES district ID: 3905065
• Math proficiency: 73% ▲ 3.00%
• Reading proficiency: 73% ▲ 3.00%
• Median HH income: $52,467
• Composite: 63.17/100
• National rank: #1305
• State rank: #226 of 802 in OH

Livability — Stryker

• Score: 72/100
• State rank: #361
• US rank: #5865

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: Stryker, OH
• County: Williams · 37,585 people
• Population (ZIP): 3,219
• Household income: $80,163
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 11.6

Population outlook (Williams County) Hauer SSP2

• Today (2025): 36,125 people
• By 2030: 35,264 · -2.4%
• By 2040: 33,264 · -7.9%
• By 2050: 31,072 · -14.0%
• By 2075: 26,553 · -26.5%
• By 2100: 21,318 · -41.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Hispanic / Latino 12% Two or more races 6% Black 5% Native American 3%
• Hispanic origin (detail): Mexican 7% Puerto Rican 1%
• Common ancestry: Lithuanian 4% Romanian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 4%

Political lean MEDSL · Williams

• 2024 margin: Solid R (+48.2) · D 25.4% · R 73.7%
• 2008→2024 swing: -39.0pp toward R · 2008: -9.3pp · 2024: -48.2pp
• All cycles: 2024: R+48.2 2020: R+46.2 2016: R+43.8 2012: R+16.3 2008: R+9.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -20.03%
• Current HPI: 220.9472
• 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

+183.8% since first listed

18 events — show timeline

• 2026-05-23 Coming Soon $105,000 NORIS
• 2025-10-14 Price Changed $22,500 NORIS
• 2025-10-14 Price Changed $65,000 NORIS
• 2020-07-13 Sold (Public Records) $65,000 Public Records
• 2020-07-13 Sold (MLS) $65,000 NORIS
• 2019-12-29 Listed $74,500 NORIS
• 2019-05-03 Sold (MLS) $22,500 NORIS
• 2018-05-10 Listed $28,500 NORIS
• 2009-03-13 Sold (Public Records) $30,000 Public Records
• 2009-03-13 Sold (MLS) $30,000 NORIS
• 2009-01-13 Listed $30,000 NORIS
• 2007-05-11 Sold (Public Records) $69,900 Public Records
• 2007-05-01 Sold (MLS) $69,900 NORIS
• 2006-12-05 Listing Removed — NORIS
• 2006-11-30 Listed $69,900 NORIS
• 2006-05-05 Listed $72,900 NORIS
• 1998-06-10 Sold (Public Records) $55,000 Public Records
• 1998-06-01 Sold (Public Records) $37,000 Public Records

Property tax history

+8.0%/yr

Latest (2025): $974 · +0.0% YoY. Source: county tax records.