313 E Oakwood St · Bradford, OH 45308

$125,000

2 bd · 1.0 ba · 912 sqft · SingleFamily public records · 17 Days on market

Built 1920 5,837 sqft lot Est $120k · at est.

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Why this score? — see what drove the D 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 +15.0/30.0
• ARV discount +5.8/15.0
• DSCR +4.6/10.0
• Schools +3.7/10.0
• Livability +3.7/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

Key facts

• Covered front porch
• Durable metal roof
• Gas water heater

Tags

• COVERED FRONT PORCH
• DURABLE METAL ROOF
• UPDATED FASCIA
• GAS WATER HEATER
• SUMP PUMP WITH BATTERY BACKUP
• DETACHED ONE CAR GARAGE

Property features AI

Finance

• Financial info: Offered for sale

Exterior

• Parking: Detached one-car garage
• Utilities: Has heating
• Home design: Single-story residence; Frame construction with vinyl siding; Residential zoning; Lot approximately 60 x 98
• Construction: Frame construction; Vinyl siding
• Exterior features: Front porch

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Two main-level bedrooms (11 x 8; 14 x 11)
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Individual heating
• Interior features: Crawl space basement; Eat-in kitchen
• 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 $125k.

Deal economics

• At list price, monthly cash flow is $38 ($455/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 $100k (19.8% below list).
• Recommended offer: $100k (19.8% 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; 326 units permitted in Miami County in 2024 (0 in 5+ unit buildings).
• This rent is only 17% 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 $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y 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 $85k; 47% 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 $100,220 (19.8% 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.80% ✗
• Cap rate: 6.66%
• Cash-on-cash: 1.30%
• DSCR: 1.06
• GRM: 10.4

CMA / ARV

• ARV (on-the-fly): $120,384
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
313 E Oakwood St	0.00mi	2/1.0	912 (0%)	1mo	$120,000	$132	99
504 Liberty St	0.12mi	2/2.0	910 (-0%)	2mo	$175,697	$193	88
324 E Elm St	0.51mi	2/1.0	927 (+2%)	5mo	$50,000	$54	69
210 S Miami Ave	0.30mi	3/1.5 (+1)	955 (+5%)	11mo	$139,000	$146	62
211 W Elm St	0.57mi	2/1.0	846 (-7%)	9mo	$58,700	$69	54
234 E James St	0.43mi	3/1.0 (+1)	1,042 (+14%)	20mo	$135,000	$130	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: -14.3%
• Equity multiple: 0.49×
• Total profit: $-17,894
• Equity at exit: $18,638

10-year hold

• IRR: -5.6%
• Equity multiple: 0.64×
• Total profit: $-12,687
• Equity at exit: $10,808

Cash invested: $35,000 (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: 10.4×

Monthly cashflow live

• Estimated rent: $1,002 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$46 /mo · $555/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$210
• Net cashflow: $38

Break-even live

Break-even rent $954

Max offer price $125,000

Occupancy floor 91%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-05-11
   status Pending 1296-char remark

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

2. 2026-05-11
   status Pending

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

3. 2026-04-28
   historical Contingency - Finance and Inspections 1296-char remark

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

4. 2026-04-28
   historical ActiveUnderContract

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

5. 2026-04-24
   listed $125,000 Active 1296-char remark

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

6. 2026-04-24
   listed $125,000 Active

   Show marketing remark (1296 chars)

   Charming bungalow nestled in a quaint, small-town setting, offering the perfect blend of comfort, character, and recent updates! This delightful 2-bedroom, 1-bath home welcomes you with a cozy covered front porch...an ideal spot to enjoy your morning coffee or unwind in the evening while taking in the peaceful surroundings. Inside, you'll find a functional layout designed for easy living, with comfortable living spaces. Since 2021, the property has seen numerous important updates that add both value and peace of mind. These include a durable metal roof, updated fascia, gutters, and downspouts, as well as five mini-split heating and cooling systems to provide efficient, customizable comfort in multiple areas of the home. Additional improvements include a gas water heater, sump pump with battery backup, and replacement of both the front and rear doors. Some electrical updates have also been completed. Step outside to find a detached one car garage, offering convenient parking and extra storage space. The manageable yard provides room to enjoy relaxing in a quiet setting. Located in a charming community with a welcoming small-town feel, this home offers a great opportunity for buyers looking to personalize a property while benefiting from key mechanical updates already in place.

7. 2021-05-21
   soldstatus $85,000
8. 2021-05-18
   soldstatus $85,000 Sold 737-char remark

   Show marketing remark (737 chars)

   This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

9. 2021-05-18
   soldstatus $85,000 Closed 737-char remark

   Show marketing remark (737 chars)

   This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

10. 2021-05-18
    soldstatus $85,000

    Show marketing remark (737 chars)

    This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

11. 2021-04-30
    status Pending 737-char remark

    Show marketing remark (737 chars)

    This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

12. 2021-04-29
    listed $78,000 Active 737-char remark

    Show marketing remark (737 chars)

    This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

13. 2021-04-29
    listed $78,000

    Show marketing remark (737 chars)

    This cozy home welcomes you with many updates to add to its charm in wonderful Bradford, OH. The open and spaciouse living room/great room leads into an eat-in kitchen making this 2 bedroom home a nice, easy to maintain place to call home! Detached 1-car garage and plenty of off-street parking. The recently updated covered porch allows you to enjoy a nice shaded view of the neighborhood. Plenty of storage in the basement and crawl space. This home has a history of updates including flooring, new bathroom vanity/sink, new washer/dryer, range, and refrigerator. Roof replaced in 2008. Easy to maintain vinyl siding with new soffits. Local shopping and conveniently minutes from Piqua, Troy, Greenville, and I-75. Move in at escrow.

14. 2001-07-17
    soldstatus $60,000
15. 2000-10-11
    soldstatus $49,900
16. 1983-11-10
    soldstatus $14,600

ⓘ 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: $555 · $46/mo
• Projected year-2 tax: $1,252 · $104/mo
• Expected delta: +$698/yr (+$58/mo · 125.7%)

ⓘ 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: $12,026
• − Mortgage interest: −$7,002
• − Property taxes: −$555
• − Insurance: −$625
• − Repairs & maintenance: −$962
• − Management: −$962
• − Depreciation: −$3,636
• Taxable loss: −$1,716
• Est. tax savings @ 24.0%: +$412
• After-tax cash flow: $867/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 (Miami County) Hauer SSP2

• Today (2025): 107,816 people
• By 2030: 108,896 · +1.0%
• By 2040: 109,581 · +1.6%
• By 2050: 108,110 · +0.3%
• By 2075: 101,523 · -5.8%
• By 2100: 85,787 · -20.4%

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 · Miami

• 2024 margin: Solid R (+45.1) · D 27.0% · R 72.1%
• 2008→2024 swing: -16.6pp toward R · 2008: -28.5pp · 2024: -45.1pp
• All cycles: 2024: R+45.1 2020: R+44.3 2016: R+45.6 2012: R+35.6 2008: R+28.5

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

+756.2% since first listed

16 events — show timeline

• 2026-05-11 Pending — WRIST
• 2026-05-11 Pending — Dayton MLS
• 2026-04-28 Contingent — WRIST
• 2026-04-28 Contingent — Dayton MLS
• 2026-04-24 Listed $125,000 Dayton MLS
• 2026-04-24 Listed $125,000 WRIST
• 2021-05-21 Sold (Public Records) $85,000 Public Records
• 2021-05-18 Sold (MLS) $85,000 WRIST
• 2021-05-18 Sold (MLS) $85,000 Dayton MLS
• 2021-05-18 Sold (MLS) $85,000 Dayton MLS
• 2021-04-30 Pending — Dayton MLS
• 2021-04-29 Listed $78,000 WRIST
• 2021-04-29 Listed $78,000 Dayton MLS
• 2001-07-17 Sold (Public Records) $60,000 Public Records
• 2000-10-11 Sold (Public Records) $49,900 Public Records
• 1983-11-10 Sold (Public Records) $14,600 Public Records

Property tax history

-2.2%/yr

Latest (2025): $555 · -7.1% YoY. Source: county tax records.