27 Voltage Hl · Wardensville, WV 26714

$69,000

1 bd · 1.0 ba · 576 sqft · Other public records · 19 Days on market

Built 2006 5.01 ac lot

---

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 +29.7/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.2/10.0
• Appreciation +4.2/10.0
• Livability +3.2/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

ARE YOU LOOKING FOR AN AFfORDABLE WEEKEND GETAWAY? THIS ONE BEDROOM, ONE BATH FURNISHED CABIN IS READY TO USE. THE 5 ACRE PARCEL IS MOSTLY WOODED, WITH ABOUT ONE ACRE CLEARED AROUND THE CABIN. THERE IS A SHED OUTBUILD FOR YOUR ATV'S OR LAWN EQUIPMENT. ENJOY THE NICE WV MOUNTAIN VIEWS FROM YOUR FRONT DECK.

Key facts

• Front deck
• One acre cleared
• Mostly wooded

Tags

• 5 ACRE PARCEL
• MOSTLY WOODED
• ONE ACRE CLEARED
• SHED OUTBUILD
• WV MOUNTAIN VIEWS
• FRONT DECK

Property features AI

Finance

• Other: Fee simple ownership
• HOA & community: HOA fee of $100 annually

Exterior

• Parking: Driveway
• Utilities: Well water; Septic system; Electric service
• Home design: Detached structure; Frame construction
• Construction: Pillar/post/pier foundation; Above and below grade structures
• Exterior features: Located outside city limits; Not in a federal flood zone; No tidal water

Interior

• Kitchen: Refrigerator; Stove; Microwave
• Bedrooms: 1 bedroom on main level
• Bathrooms: 1 full bathroom
• Heating & cooling: Radiant heating; Propane (owned) heating fuel; Central air conditioning (electric)
• Interior features: Average condition; Accessibility features present
• Laundry & utility: Washer; Dryer; Electric hot water

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath other listed at $69k.

Deal economics

• At list price, monthly cash flow is $251 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($841 rent vs $69k).
• Recommended offer: $68k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#167 in WV) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools F, amenities F, commute F.
• Hampshire County Schools (rural): math 25% / reading 38% proficiency, ranked #30 of 55 in WV (top 54%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 7 active listings in the ZIP; 124 units permitted in Hampshire County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.6%/yr); year-one equity from $477 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Hampshire County population projected at -29% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-1.6% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($68k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,965 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 1.22% ✓
• Cap rate: 10.66%
• Cash-on-cash: 15.61%
• DSCR: 1.69
• GRM: 6.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-1.62% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.6%
• Equity multiple: 1.46×
• Total profit: $8,878
• Equity at exit: $14,627

10-year hold

• IRR: 17.6%
• Equity multiple: 2.65×
• Total profit: $31,944
• Equity at exit: $13,690

Cash invested: $19,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 26714

• Home prices YoY: -0.8%
• Active inventory: 7
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $841 medium
• Mortgage (P&I): −$362
• Tax from tax record: −$22 /mo · $269/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$177
• Net cashflow: $251

Break-even live

Break-even rent $523

Max offer price $69,000

Occupancy floor 65%

Sensitivity live

Price	-10% $290	-5% $271	+0% $251	+5% $232	+10% $212
Rent	-10% $185	-5% $218	+0% $251	+5% $285	+10% $318
Rate	-1.0pp $286	-0.5pp $269	base $251	+0.5pp $233	+1.0pp $215

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: $17,250
• Closing costs: $2,070
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-19
   days on market $69,000 Active 19 DOM
2. 2026-06-18
   days on market $69,000 Active 18 DOM
3. 2026-06-17
   days on market $69,000 Active 17 DOM
4. 2026-06-16
   days on market $69,000 Active 16 DOM
5. 2026-06-15
   days on market $69,000 Active 15 DOM
6. 2026-06-14
   days on market $69,000 Active 13 DOM
7. 2026-06-12
   days on market $69,000 Active 12 DOM
8. 2026-06-09
   days on market $69,000 Active 9 DOM
9. 2026-06-08
   days on market $69,000 Active 8 DOM
10. 2026-06-07
    days on market $69,000 Active 7 DOM
11. 2026-06-05
    days on market $69,000 Active 4 DOM
12. 2026-06-03
    days on market $69,000 Active 3 DOM
13. 2026-06-02
    days on market $69,000 Active 2 DOM
14. 2026-06-01
    remarks 306-char remark
15. 2026-06-01
    listed $69,000 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 WV · Resets to sale price

• Current annual tax: $269 · $22/mo
• Projected year-2 tax: $407 · $34/mo
• Expected delta: +$138/yr (+$11/mo · 51.1%)

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 4/10 Moderate 8 d/yr ≥96°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,092
• − Mortgage interest: −$3,865
• − Property taxes: −$269
• − Insurance: −$345
• − Repairs & maintenance: −$807
• − Management: −$807
• − Depreciation: −$2,007
• Taxable income: $1,990
• Est. tax owed @ 24.0%: −$478
• After-tax cash flow: $2,538/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: Hampshire County Schools
• NCES district ID: 5400420
• Math proficiency: 25% ▼ -16.00%
• Reading proficiency: 38% ▼ -8.00%
• Median HH income: $32,170
• Composite: 25.69/100
• National rank: #7392
• State rank: #30 of 55 in WV

Livability — Wardensville

• Score: 63/100
• State rank: #167
• US rank: #15617

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 506

Population outlook (Hampshire County) Hauer SSP2

• Today (2025): 21,820 people
• By 2030: 20,690 · -5.2%
• By 2040: 18,089 · -17.1%
• By 2050: 15,413 · -29.4%
• By 2075: 10,421 · -52.2%
• By 2100: 6,842 · -68.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Hispanic / Latino 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Hampshire

• 2024 margin: Solid R (+62.6) · D 18.0% · R 80.6% · Other 1.4%
• 2008→2024 swing: -35.8pp toward R · 2008: -26.8pp · 2024: -62.6pp
• All cycles: 2024: R+62.6 2020: R+60.4 2016: R+59.2 2012: R+40.4 2008: R+26.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.62%
• Current HPI: 195.0275
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-05-31 Listed $69,000 BRIGHT MLS

Property tax history

+1.3%/yr

Latest (2025): $269 · +4.0% YoY. Source: county tax records.