3510 Trumbull St · Bellaire, OH 43906

$85,000

3 bd · 1.0 ba · 1,000 sqft · SingleFamily public records · 8 Days on market

Built 2006 4,094 sqft lot $85/sqft · at area comps Est $82k · at est.

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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 +26.1/30.0
• DSCR +8.8/10.0
• 1% rule +6.5/10.0
• Appreciation +5.9/10.0
• ARV discount +5.7/15.0
• Schools +5.5/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Back on the market to no fault of the sellers! Welcome to 3510 Trumbull Street in Bellaire! This 3-bed, 1-bath ranch home built in 2006 offers comfortable one-level living in a quiet part of town. The functional layout features three nicely sized bedrooms, a full bath, and newer vinyl flooring throughout, making this home ideal for first-time buyers, downsizers, or anyone seeking convenient single-floor living. Below the home, the crawl space basement is well-insulated with a covered floor, offering clean and efficient storage. Outside, you’ll appreciate both street parking and a private driveway for added convenience. The smaller, manageable yard requires less maintenance than most homes. If you're looking for a newer, move-in ready ranch in Bellaire, 3510 Trumbull Street is ready to welcome you home!

Key facts

• Manageable yard
• Private driveway
• Crawl space basement

Tags

• ONE LEVEL LIVING
• CRAWL SPACE BASEMENT
• PRIVATE DRIVEWAY
• MANAGEABLE YARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $214 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($976 rent vs $85k).

Location & tenants

• Location reads 69/100 on livability (#535 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, amenities F, commute F.
• Bellaire Local (rural): math 73% / reading 56% proficiency, ranked #430 of 802 in OH (top 54%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 26 active listings in the ZIP; lower-income renter base — watch delinquency; 4 units permitted in Belmont County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($588 loan paydown + $2k appreciation (1.8% local appreciation)).
• Belmont County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.8% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 6y 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 $68k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $85,000

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 B-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?
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: 1.15% ✓
• Cap rate: 9.31%
• Cash-on-cash: 10.78%
• DSCR: 1.48
• GRM: 7.3

CMA / ARV

• ARV (median comp): $81,740
• List price: $85,000
• Delta: 3.99%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3510 Trumbull St	0.00mi	3/1.0	1,000 (0%)	0mo	$85,000	$85	100
4515 Harrison St	0.67mi	2/1.0 (-1)	886 (-11%)	0mo	$8,000	$9	45
114 Dorer Ave	0.75mi	2/1.0 (-1)	896 (-10%)	24mo	$105,000	$117	23

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.79% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.6%
• Equity multiple: 1.78×
• Total profit: $18,540
• Equity at exit: $32,566

10-year hold

• IRR: 17.3%
• Equity multiple: 3.26×
• Total profit: $53,873
• Equity at exit: $46,169

Cash invested: $23,800 (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 43906

• Home prices YoY: 1.1%
• Active inventory: 26
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $976 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$76 /mo · $909/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$205
• Net cashflow: $214

Break-even live

Break-even rent $705

Max offer price $85,000

Occupancy floor 73%

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-05-20
   status Pending 821-char remark

   Show marketing remark (821 chars)

   Back on the market to no fault of the sellers! Welcome to 3510 Trumbull Street in Bellaire! This 3-bed, 1-bath ranch home built in 2006 offers comfortable one-level living in a quiet part of town. The functional layout features three nicely sized bedrooms, a full bath, and newer vinyl flooring throughout, making this home ideal for first-time buyers, downsizers, or anyone seeking convenient single-floor living. Below the home, the crawl space basement is well-insulated with a covered floor, offering clean and efficient storage. Outside, you’ll appreciate both street parking and a private driveway for added convenience. The smaller, manageable yard requires less maintenance than most homes. If you're looking for a newer, move-in ready ranch in Bellaire, 3510 Trumbull Street is ready to welcome you home!

2. 2026-05-14
   status Active 821-char remark

   Show marketing remark (821 chars)

   Back on the market to no fault of the sellers! Welcome to 3510 Trumbull Street in Bellaire! This 3-bed, 1-bath ranch home built in 2006 offers comfortable one-level living in a quiet part of town. The functional layout features three nicely sized bedrooms, a full bath, and newer vinyl flooring throughout, making this home ideal for first-time buyers, downsizers, or anyone seeking convenient single-floor living. Below the home, the crawl space basement is well-insulated with a covered floor, offering clean and efficient storage. Outside, you’ll appreciate both street parking and a private driveway for added convenience. The smaller, manageable yard requires less maintenance than most homes. If you're looking for a newer, move-in ready ranch in Bellaire, 3510 Trumbull Street is ready to welcome you home!

3. 2026-02-27
   status Pending 821-char remark

   Show marketing remark (821 chars)

   Back on the market to no fault of the sellers! Welcome to 3510 Trumbull Street in Bellaire! This 3-bed, 1-bath ranch home built in 2006 offers comfortable one-level living in a quiet part of town. The functional layout features three nicely sized bedrooms, a full bath, and newer vinyl flooring throughout, making this home ideal for first-time buyers, downsizers, or anyone seeking convenient single-floor living. Below the home, the crawl space basement is well-insulated with a covered floor, offering clean and efficient storage. Outside, you’ll appreciate both street parking and a private driveway for added convenience. The smaller, manageable yard requires less maintenance than most homes. If you're looking for a newer, move-in ready ranch in Bellaire, 3510 Trumbull Street is ready to welcome you home!

4. 2026-02-24
   listed $85,000 Active 821-char remark

   Show marketing remark (821 chars)

   Back on the market to no fault of the sellers! Welcome to 3510 Trumbull Street in Bellaire! This 3-bed, 1-bath ranch home built in 2006 offers comfortable one-level living in a quiet part of town. The functional layout features three nicely sized bedrooms, a full bath, and newer vinyl flooring throughout, making this home ideal for first-time buyers, downsizers, or anyone seeking convenient single-floor living. Below the home, the crawl space basement is well-insulated with a covered floor, offering clean and efficient storage. Outside, you’ll appreciate both street parking and a private driveway for added convenience. The smaller, manageable yard requires less maintenance than most homes. If you're looking for a newer, move-in ready ranch in Bellaire, 3510 Trumbull Street is ready to welcome you home!

5. 2021-04-16
   soldstatus $68,000
6. 2021-04-15
   soldstatus $68,000 Closed 224-char remark

   Show marketing remark (224 chars)

   Ranch home built in 2006, 1000 sq ft 3 bedrooms, 1 bath, laundry on main level. offstreet parking, basement is considered a crawl space, with 6' high ceilings. Per the seller, the deck is currently wired to accept a hot tub.

7. 2021-03-31
   historical 224-char remark

   Show marketing remark (224 chars)

   Ranch home built in 2006, 1000 sq ft 3 bedrooms, 1 bath, laundry on main level. offstreet parking, basement is considered a crawl space, with 6' high ceilings. Per the seller, the deck is currently wired to accept a hot tub.

8. 2021-02-11
   listed $79,900 224-char remark

   Show marketing remark (224 chars)

   Ranch home built in 2006, 1000 sq ft 3 bedrooms, 1 bath, laundry on main level. offstreet parking, basement is considered a crawl space, with 6' high ceilings. Per the seller, the deck is currently wired to accept a hot tub.

9. 2020-12-31
   historical
10. 2020-05-20
    listed $84,900

ⓘ 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: $909 · $76/mo
• Projected year-2 tax: $1,117 · $93/mo
• Expected delta: +$209/yr (+$17/mo · 22.9%)

ⓘ 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 4/10 Moderate 8 d/yr ≥97°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,708
• − Mortgage interest: −$4,761
• − Property taxes: −$909
• − Insurance: −$425
• − Repairs & maintenance: −$937
• − Management: −$937
• − Depreciation: −$2,473
• Taxable income: $1,266
• Est. tax owed @ 24.0%: −$304
• After-tax cash flow: $2,262/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: Bellaire Local
• NCES district ID: 3904357
• Math proficiency: 73% ▲ 5.00%
• Reading proficiency: 56% ▼ -3.00%
• Median HH income: $37,307
• Composite: 55.05/100
• National rank: #2773
• State rank: #430 of 802 in OH

Livability — Bellaire

• Score: 69/100
• State rank: #535
• US rank: #9051

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellaire, OH
• County: Belmont · 63,139 people
• Metro: Wheeling, WV-OH
• Population (ZIP): 7,888
• Household income: $41,635
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 5.6

Population outlook (Belmont County) Hauer SSP2

• Today (2025): 66,568 people
• By 2030: 64,818 · -2.6%
• By 2040: 60,702 · -8.8%
• By 2050: 56,427 · -15.2%
• By 2075: 46,222 · -30.6%
• By 2100: 34,611 · -48.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 5% Black 4%
• Common ancestry: Romanian 5% Slovak 2% Iranian 2%
• Foreign-born: 1%

Political lean MEDSL · Belmont

• 2024 margin: Solid R (+47.3) · D 26.0% · R 73.3%
• 2008→2024 swing: -50.0pp toward R · 2008: 2.7pp · 2024: -47.3pp
• All cycles: 2024: R+47.3 2020: R+43.6 2016: R+39.5 2012: R+8.4 2008: D+2.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.79%
• Current HPI: 159.8031
• 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

+0.1% since first listed

10 events — show timeline

• 2026-05-20 Pending — MLSNOW
• 2026-05-14 Relisted — MLSNOW
• 2026-02-27 Pending — MLSNOW
• 2026-02-24 Listed $85,000 MLSNOW
• 2021-04-16 Sold (Public Records) $68,000 Public Records
• 2021-04-15 Sold (MLS) $68,000 MLSNOW
• 2021-03-31 Listing Removed — MLSNOW
• 2021-02-11 Listed $79,900 MLSNOW
• 2020-12-31 Listing Removed — MLSNOW
• 2020-05-20 Listed $84,900 MLSNOW

Property tax history

+2.0%/yr

Latest (2025): $909 · -42.6% YoY. Source: county tax records.