522 Parkcliffe Ave · Youngstown, OH 44511

$59,900

3 bd · 1.0 ba · 1,344 sqft · SingleFamily public records · 33 Days on market

Built 1941 10,018 sqft lot Est $90k · 33% 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 +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

* * Seller willing to consider seller financing * * This 3-bedroom home is full of character with its original natural woodwork and solid layout. The property requires renovation, but it comes with a new roof, making it a strong starting point for your project. With vision and updates, this could be a beautiful home or rental investment in a convenient Youngstown location. A great opportunity for contractors, investors, or DIY buyers looking for their next project. Motivated seller, make an offer!

Key facts

• New roof
• 0.23 acre lot
• 2 garage spots

Tags

• ORIGINAL NATURAL WOODWORK
• NEW ROOF
• CONVENIENT YOUNGSTOWN LOCATION

Property features AI

Finance

• Financial info: Annual tax amount listed (2025)

Exterior

• Parking: Attached or detached 2-car garage (has garage)
• Utilities: Public water; Public sewer
• Home design: Two-story brick home; Above-grade finished area approximately 1,344 (assessor)
• Construction: Brick construction; Asphalt and fiberglass roof; Block foundation; Built per public records
• Exterior features: Paved parking area

Interior

• Bedrooms: Total of 6 rooms (bedrooms included)
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Gas heating
• Interior features: Full basement; One fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $587 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $58k (3.0% below list) — sets the bar for market timing.
• Cap rate 18.1% vs local median 7.0% in Youngstown — 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 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Youngstown City (urban): math 8% / reading 17% proficiency, ranked #649 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 73 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Mahoning 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 $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($58k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 30y 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 $37k; list at $60k implies a 63% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $58,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 33 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 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 2.01% ✓
• Cap rate: 18.05%
• Cash-on-cash: 42.00%
• DSCR: 2.87
• GRM: 4.2

CMA / ARV

• ARV (on-the-fly): $90,048
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
570 Almyra Ave	0.20mi	3/1.0	1,328 (-1%)	14mo	$59,000	$44	76
3414 Idlewood Ave	0.35mi	3/1.5	1,404 (+4%)	5mo	$92,000	$66	70
452 W Midlothian Blvd	0.43mi	3/1.5	1,409 (+5%)	4mo	$135,000	$96	66
628 Almyra Ave	0.21mi	3/2.0	1,474 (+10%)	14mo	$23,980	$16	58
970 Bonnie Brae Ave	0.62mi	3/2.0	1,409 (+5%)	2mo	$160,000	$114	58
27 W Avondale Ave	0.50mi	3/1.0	1,420 (+6%)	15mo	$22,000	$15	55
34 Labelle Ave	0.69mi	3/1.5	1,327 (-1%)	14mo	$105,000	$79	53
3631 Dover Rd	0.67mi	3/2.0	1,380 (+3%)	12mo	$146,000	$106	50
980 W Laclede Ave	0.74mi	3/1.0	1,453 (+8%)	2mo	$97,000	$67	50
950 Bonnie Brae Ave	0.60mi	3/2.0	1,206 (-10%)	3mo	$145,000	$120	49
464 W Hylda Ave	0.34mi	3/2.0	1,152 (-14%)	12mo	$60,000	$52	46
471 W Hylda	0.30mi	4/1.5 (+1)	1,151 (-14%)	12mo	$29,000	$25	45

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: 38.6%
• Equity multiple: 2.65×
• Total profit: $27,667
• Equity at exit: $8,931

10-year hold

• IRR: 45.1%
• Equity multiple: 5.30×
• Total profit: $72,179
• Equity at exit: $5,179

Cash invested: $16,772 (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 44511

• Home prices YoY: -12.6%
• Active inventory: 73
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,202 high
• Mortgage (P&I): −$314
• Tax from tax record: −$24 /mo · $283/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $587

Break-even live

Break-even rent $459

Max offer price $59,900

Occupancy floor 46%

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3639 Shelby Rd Youngstown, OH	2.0	1.0	936	$1,200	$1.28	20d	1	0.79mi
4322 Southern Blvd Youngstown, OH	2.0	1.0	1000	$875	$0.88	13d	1	1.08mi
236 Hilton Ave Youngstown, OH	4.0	1.5	1488	$1,195	$0.80	20d	1	1.10mi
158 Beechwood Dr Youngstown, OH	3.0	1.5	1438	$1,100	$0.76	13d	1	1.39mi
512 E Philadelphia Ave Unit 1 Youngstown, OH	2.0	1.0	1200	$899	$0.75	20d	1	1.39mi
360 Shields Rd Unit 360 Youngstown, OH	2.0	1.0	974	$925	$0.95	20d	1	1.40mi

Listing history 10 events

1. 2026-05-14
   status Pending
2. 2026-04-08
   listed $59,900 Active
3. 2025-11-22
   historical
4. 2025-09-16
   price $79,900
5. 2025-08-22
   listed $89,000 Active
6. 1997-02-21
   soldstatus $36,700
7. 1997-01-09
   historical
8. 1996-09-30
   historical
9. 1996-07-09
   listed $38,500
10. 1996-04-09
    listed $38,900

ⓘ 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: $283 · $24/mo
• Projected year-2 tax: $609 · $51/mo
• Expected delta: +$325/yr (+$27/mo · 114.8%)

ⓘ 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 ≥96°F today · 17 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: $14,426
• − Mortgage interest: −$3,355
• − Property taxes: −$283
• − Insurance: −$300
• − Repairs & maintenance: −$1,154
• − Management: −$1,154
• − Depreciation: −$1,743
• Taxable income: $6,437
• Est. tax owed @ 24.0%: −$1,545
• After-tax cash flow: $5,499/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: Youngstown City
• NCES district ID: 3904516
• Math proficiency: 8% ▼ -15.00%
• Reading proficiency: 17% ▼ -10.00%
• Median HH income: $25,257
• Composite: 9.29/100
• National rank: #9858
• State rank: #649 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Youngstown, OH
• County: Mahoning County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 18,909
• Household income: $56,880
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 336.0

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (64%)
• Race & ethnicity: White 64% Black 23% Hispanic / Latino 8% Two or more races 7% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Romanian 5% Lithuanian 1% Slovak 1%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -40.81%
• Current HPI: 283.9088
• Rent YoY: —
• Metro: Youngstown-Warren-Boardman, OH-PA
• 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

+54.0% since first listed

10 events — show timeline

• 2026-05-14 Pending — MLSNOW
• 2026-04-08 Listed $59,900 MLSNOW
• 2025-11-22 Listing Removed — MLSNOW
• 2025-09-16 Price Changed $79,900 MLSNOW
• 2025-08-22 Listed $89,000 MLSNOW
• 1997-02-21 Sold (Public Records) $36,700 Public Records
• 1997-01-09 Listing Removed — MLSNOW
• 1996-09-30 Listing Removed — MLSNOW
• 1996-07-09 Listed $38,500 MLSNOW
• 1996-04-09 Listed $38,900 MLSNOW

Property tax history

-2.5%/yr

Latest (2025): $283 · -11.8% YoY. Source: county tax records.