1013 Bradshaw Ave · East Liverpool, OH 43920

$45,000

2 bd · 1.5 ba · 1,270 sqft · SingleFamily public records · 34 Days on market

Built 1910 3,001 sqft lot $35/sqft · 16% below area Est $54k · 16% 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 +30.0/30.0
• ARV discount +14.7/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming two-bedroom home offering comfort, convenience, and valuable off-street parking rarely found in the area. A welcoming wraparound covered front porch adds curb appeal and provides the perfect place to relax outdoors. Inside, the main level features a spacious living room, formal dining room, convenient half bath, and an eat-in kitchen with laundry area. Just off the kitchen, you’ll find access to the attached garage and backyard for added functionality and ease. Upstairs includes two comfortable bedrooms and a full bathroom, while the full basement offers excellent storage potential. The private driveway and attached garage provide a major bonus for this location. Additional u

Key facts

• Attached garage
• Private driveway
• Full basement

Tags

• OFF-STREET PARKING
• WRAPAROUND COVERED FRONT PORCH
• EAT-IN KITCHEN
• ATTACHED GARAGE
• PRIVATE DRIVEWAY
• FULL BASEMENT

Property features AI

Finance

• Financial info: Annual tax amount reported

Exterior

• Parking: Attached garage; Driveway; 1 garage space
• Utilities: Public water; Public sewer
• Home design: 2-story house; Shingle roof; Above-grade finished area approximately 1,270
• Construction: Built per public records; Shingle roof
• Exterior features: Public water; Public sewer

Interior

• Kitchen: Laundry located in the kitchen
• Bedrooms: Total rooms: 5
• Bathrooms: One full bathroom; One half bathroom; One main-level bathroom
• Heating & cooling: Forced-air heating (gas)
• Interior features: Unfinished basement
• Laundry & utility: Laundry in kitchen

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $216 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($712 rent vs $45k).
• Recommended offer: $44k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 9.8% in East Liverpool — 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 67/100 on livability (#613 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment F.
• East Liverpool City (town): math 28% / reading 37% proficiency, ranked #571 of 656 in OH (top 87%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 114 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 49 units permitted in Columbiana County in 2024 (0 in 5+ unit buildings).
• This rent is only 17% of the median local income ($51k/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 $311 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Columbiana County population projected at -23% 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 ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $18k; list at $45k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $43,650 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.58% ✓
• Cap rate: 13.53%
• Cash-on-cash: 25.84%
• DSCR: 2.15
• GRM: 5.3

CMA / ARV

• ARV (median comp): $53,629
• List price: $45,000
• Delta: -16.09%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
755 Minerva St	0.15mi	2/1.0	1,320 (+4%)	6mo	$87,700	$66	79
946 Bank St	0.18mi	2/1.0	1,136 (-11%)	2mo	$19,000	$17	70
1052 Huston Ave	0.12mi	2/1.5	1,160 (-9%)	16mo	$45,000	$39	67
420 Vine St	0.16mi	3/1.5 (+1)	1,440 (+13%)	3mo	$119,000	$83	63
213 Blakely St	0.28mi	3/2.0 (+1)	1,188 (-6%)	11mo	$18,500	$16	60
1507 Saint Clair Ave	0.69mi	3/1.0 (+1)	1,232 (-3%)	2mo	$28,000	$23	54
920 Mckinnon Ave	0.57mi	2/1.5	1,400 (+10%)	4mo	$55,000	$39	53
931 Mckinnon Ave	0.60mi	2/1.0	1,158 (-9%)	3mo	$102,500	$89	53
401 Ray St	0.53mi	2/1.0	1,188 (-6%)	12mo	$78,000	$66	53
562 California Ave	0.56mi	3/2.0 (+1)	1,376 (+8%)	9mo	$133,000	$97	46
1520 Smithfield St	0.73mi	3/2.0 (+1)	1,190 (-6%)	7mo	$21,000	$18	43
330 Third St	0.75mi	2/1.0	1,100 (-13%)	8mo	$111,900	$102	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: 12.9%
• Equity multiple: 1.51×
• Total profit: $6,484
• Equity at exit: $6,710

10-year hold

• IRR: 21.8%
• Equity multiple: 2.86×
• Total profit: $23,475
• 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 43920

• Home prices YoY: -29.3%
• Active inventory: 114
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $712 medium
• Mortgage (P&I): −$236
• Tax from tax record: −$37 /mo · $442/yr
• Insurance: −$19
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$150
• Net cashflow: $216

Break-even live

Break-even rent $439

Max offer price $45,000

Occupancy floor 65%

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 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
707 Saint Clair Ave Unit 06 East Liverpool, OH	2.0	1.0	900	$725	$0.81	43d	1	0.42mi
707 Saint Clair Ave Unit 03 East Liverpool, OH	2.0	1.0	900	$700	$0.78	43d	1	0.42mi

Listing history 15 events

1. 2026-06-18
   days on market $45,000 Active 34 DOM
2. 2026-06-17
   days on market $45,000 Active 33 DOM
3. 2026-06-16
   days on market $45,000 Active 32 DOM
4. 2026-06-15
   days on market $45,000 Active 31 DOM
5. 2026-06-13
   days on market $45,000 Active 29 DOM
6. 2026-06-09
   days on market $45,000 Active 25 DOM
7. 2026-06-08
   days on market $45,000 Active 24 DOM
8. 2026-06-07
   days on market $45,000 Active 23 DOM
9. 2026-06-03
   days on market $45,000 Active 19 DOM
10. 2026-06-02
    days on market $45,000 Active 18 DOM
11. 2026-06-01
    days on market $45,000 Active 17 DOM
12. 2026-05-31
    days on market $45,000 Active 16 DOM
13. 2026-05-14
    listed $45,000 Active 856-char remark
14. 1993-01-11
    soldstatus $18,000
15. 1990-10-04
    soldstatus $18,000

ⓘ 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: $442 · $37/mo
• Projected year-2 tax: $572 · $48/mo
• Expected delta: +$130/yr (+$11/mo · 29.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 78% 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 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $8,550
• − Mortgage interest: −$2,521
• − Property taxes: −$442
• − Insurance: −$891
• − Repairs & maintenance: −$684
• − Management: −$684
• − Depreciation: −$1,309
• Taxable income: $2,019
• Est. tax owed @ 24.0%: −$485
• After-tax cash flow: $2,105/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: East Liverpool City
• NCES district ID: 3904391
• Math proficiency: 28% ▼ -16.00%
• Reading proficiency: 37% ▼ -10.00%
• Median HH income: $34,021
• Composite: 26.72/100
• National rank: #7148
• State rank: #571 of 656 in OH

Livability — East Liverpool

• Score: 67/100
• State rank: #613
• US rank: #10580

Category grades

Amenities F Commute F 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: East Liverpool, OH
• County: Columbiana · 99,532 people
• Population (ZIP): 21,124
• Household income: $50,820
• Rent vs Own: 31.0% rent · 69.0% own
• Severe rent burden: 12.6

Population outlook (Columbiana County) Hauer SSP2

• Today (2025): 98,353 people
• By 2030: 94,225 · -4.2%
• By 2040: 85,169 · -13.4%
• By 2050: 76,157 · -22.6%
• By 2075: 58,451 · -40.6%
• By 2100: 42,805 · -56.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 6% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 2% Slovak 2% Serbian 2%
• Foreign-born: 0%

Political lean MEDSL · Columbiana

• 2024 margin: Solid R (+49.0) · D 25.1% · R 74.1%
• 2008→2024 swing: -41.4pp toward R · 2008: -7.6pp · 2024: -49.0pp
• All cycles: 2024: R+49.0 2020: R+44.9 2016: R+41.6 2012: R+12.0 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.53%
• Current HPI: 196.3908
• 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

+150.0% since first listed

3 events — show timeline

• 2026-05-14 Listed $45,000 MLSNOW
• 1993-01-11 Sold (Public Records) $18,000 Public Records
• 1990-10-04 Sold (Public Records) $18,000 Public Records

Property tax history

+2.4%/yr

Latest (2025): $442 · +8.8% YoY. Source: county tax records.