137 Wildon Ave · Steubenville, OH 43952

$45,000

3 bd · 1.0 ba · 1,722 sqft · SingleFamily public records · 16 Days on market

Built 1946 4,356 sqft lot

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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
• ARV discount +7.5/15.0
• Schools +6.0/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Magnificent Colonial with Endless Potential! Featuring a durable new metal roof, this classic home is ready for its next owner to restore it to its original grandeur. Filled with character, the home boasts large windows, high ceilings, spacious rooms, and the timeless charm that is increasingly hard to find. Major exterior updates have already been completed, including newer windows and siding. Situated on an elevated lot, the home benefits from a dry basement and attractive curb appeal. While the exterior presents well, the interior is currently heavily cluttered and will require a substantial cleanout. The property is being sold as-is, and the price reflects its current condition and the

Key facts

• New metal roof
• Oak kitchen
• New siding

Tags

• NEW METAL ROOF
• NEWER WINDOWS
• NEW SIDING
• DRY BASEMENT
• OAK KITCHEN
• BRICK ACCENT

Property features AI

Finance

• Other: Approximately 1,722 above-grade finished area; Lot of about 0.1 acre
• Financial info: Annual tax amount reported

Exterior

• Utilities: Public water; Public sewer
• Home design: Two-story home; Fixer condition
• Construction: Metal roof; Built by owner (year built source: owner)
• Exterior features: Public water; Public sewer

Interior

• Bedrooms: 3 main-level bedrooms
• Bathrooms: 2 full bathrooms, both on the main level
• Heating & cooling: Gas heating with baseboard units; Central air conditioning
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $634 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $45k).
• Recommended offer: $44k (1.5% below list) — sets the bar for market timing.
• Cap rate 23.2% vs local median 5.2% in Steubenville — 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 76/100 on livability (#214 in OH, #3,318 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, commute A+, cost of living A+; Watch: amenities F, employment F.
• Steubenville City (urban): math 74% / reading 71% proficiency, ranked #150 of 656 in OH (top 23%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Market conditions: 98 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $311 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Jefferson County population projected at -19% 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 $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $38k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $44,325 (1.5% below list)

Questions for the listing agent

1. Built in 1946 — 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: 2.58% ✓
• Cap rate: 23.20%
• Cash-on-cash: 60.37%
• DSCR: 3.69
• GRM: 3.2

CMA / ARV

• ARV (on-the-fly): $120,540
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
742 Kendall Ave	0.32mi	3/1.0	1,676 (-3%)	10mo	$20,000	$12	72
1816 Norton Pl	0.34mi	3/2.5	1,664 (-3%)	6mo	$287,000	$172	67
1237 Maryland Ave	0.40mi	3/1.0	1,630 (-5%)	12mo	$60,500	$37	63
1223 Ridge Ave	0.42mi	3/1.0	1,636 (-5%)	12mo	$114,000	$70	62
1810 Mary Ave	0.38mi	3/1.0	1,538 (-11%)	7mo	$136,000	$88	59
1318 Pennsylvania Ave	0.36mi	3/1.0	1,512 (-12%)	10mo	$10,000	$7	55
749 Kendall Ave	0.33mi	3/1.0	1,497 (-13%)	11mo	$15,000	$10	54
1144 Oregon Ave	0.52mi	4/1.5 (+1)	1,789 (+4%)	11mo	$145,000	$81	53
266 Hollywood Blvd	0.63mi	4/2.5 (+1)	1,701 (-1%)	7mo	$203,000	$119	52
1312 Wellesley Ave	0.42mi	3/2.0	1,470 (-15%)	5mo	$31,000	$21	48
1855 Plum St	0.37mi	4/2.0 (+1)	1,468 (-15%)	9mo	$125,000	$85	42
435 Lawson Ave	0.53mi	3/2.0	1,512 (-12%)	11mo	$15,000	$10	42

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: 59.1%
• Equity multiple: 3.63×
• Total profit: $33,079
• Equity at exit: $6,710

10-year hold

• IRR: 63.9%
• Equity multiple: 7.41×
• Total profit: $80,793
• Equity at exit: $3,891

Cash invested: $12,600 (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 43952

• Active inventory: 98
• Price-to-rent: 3.2×

Monthly cashflow live

• Estimated rent: $1,163 medium
• Mortgage (P&I): −$236
• Tax from tax record: −$30 /mo · $364/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$244
• Net cashflow: $634

Break-even live

Break-even rent $361

Max offer price $45,000

Occupancy floor 41%

Sensitivity live

Price	-10% $659	-5% $647	+0% $634	+5% $621	+10% $608
Rent	-10% $542	-5% $588	+0% $634	+5% $680	+10% $726
Rate	-1.0pp $656	-0.5pp $645	base $634	+0.5pp $622	+1.0pp $610

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1646 Ridge Ave Steubenville, OH	3.0	1.0	1220	$700	$0.57	44d	1	0.05mi

Listing history 13 events

1. 2026-06-17
   status $45,000 Pending 16 DOM
2. 2026-06-17
   days on market $45,000 Active 16 DOM
3. 2026-06-16
   days on market $45,000 Active 15 DOM
4. 2026-06-15
   days on market $45,000 Active 14 DOM
5. 2026-06-14
   days on market $45,000 Active 12 DOM
6. 2026-06-12
   days on market $45,000 Active 11 DOM
7. 2026-06-09
   days on market $45,000 Active 8 DOM
8. 2026-06-08
   days on market $45,000 Active 7 DOM
9. 2026-06-07
   days on market $45,000 Active 6 DOM
10. 2026-06-05
    days on market $45,000 Active 4 DOM
11. 2026-06-04
    days on market $45,000 Active 2 DOM
12. 2026-06-01
    remarks 699-char remark
13. 2026-06-01
    listed $45,000 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 OH · Partial reset (capped growth)

• Current annual tax: $364 · $30/mo
• Projected year-2 tax: $533 · $44/mo
• Expected delta: +$169/yr (+$14/mo · 46.5%)

ⓘ 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 ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,958
• − Mortgage interest: −$2,521
• − Property taxes: −$364
• − Insurance: −$225
• − Repairs & maintenance: −$1,117
• − Management: −$1,117
• − Depreciation: −$1,309
• Taxable income: $7,306
• Est. tax owed @ 24.0%: −$1,753
• After-tax cash flow: $5,853/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: Steubenville City
• NCES district ID: 3904482
• Math proficiency: 74% ▼ -15.00%
• Reading proficiency: 71% ▼ -11.00%
• Median HH income: $29,668
• Composite: 59.52/100
• National rank: #920
• State rank: #150 of 656 in OH

Livability — Steubenville

• Score: 76/100
• State rank: #214
• US rank: #3318

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Steubenville, OH
• County: Jefferson County · 17,836 people
• City population: 17,836
• Metro: Weirton-Steubenville, WV-OH
• Population (ZIP): 17,836
• Household income: $47,624
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 601.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 63,481 people
• By 2030: 61,067 · -3.8%
• By 2040: 55,860 · -12.0%
• By 2050: 51,236 · -19.3%
• By 2075: 41,804 · -34.1%
• By 2100: 32,344 · -49.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 13% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Romanian 5% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Jefferson

• 2024 margin: Solid R (+43.9) · D 27.5% · R 71.4% · Other 1.1%
• 2008→2024 swing: -44.1pp toward R · 2008: 0.2pp · 2024: -43.9pp
• All cycles: 2024: R+43.9 2020: R+38.4 2016: R+35.7 2012: R+5.5 2008: D+0.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -124.13%
• Current HPI: 183.5034
• Rent YoY: —
• Metro: Weirton-Steubenville, WV-OH
• 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

+60.7% since first listed

3 events — show timeline

• 2026-06-01 Listed $45,000 MLSNOW
• 1998-06-24 Sold (Public Records) $38,000 Public Records
• 1995-12-26 Sold (Public Records) $28,000 Public Records

Property tax history

+19.3%/yr

Latest (2025): $364 · -64.8% YoY. Source: county tax records.