134 W Cambridge St · Alliance, OH 44601

$89,900

3 bd · 1.0 ba · 1,670 sqft · SingleFamily public records · 10 Days on market

Built 1904 7,300 sqft lot $54/sqft · 36% below area Est $141k · 36% under

---

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
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• Livability +3.9/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful 3 bedroom home. Enjoy entertaining is spacious dining room. Gorgeous woodwork through out! Call for your private tour today

Key facts

• Full basement
• 7,300 sq ft lot
• Built 1904

Tags

• COMFORTABLE LIVING ROOM
• FULL BASEMENT

Property features AI

Finance

• Financial info: Annual tax information available

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Single-story home; Above-grade finished area about 1,670
• Construction: Built (year source: public records)
• Exterior features: Lot approximately 0.1676 acres; Asphalt and fiberglass roof; Vinyl siding

Interior

• Bathrooms: One full bathroom (main level)
• Heating & cooling: Forced-air gas heating; 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 $90k.

Deal economics

• At list price, monthly cash flow is $455 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Cap rate 12.4% vs local median 4.8% in Alliance — 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 78/100 on livability (#175 in OH, #2,737 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F.
• Alliance City (town): math 39% / reading 45% proficiency, ranked #536 of 656 in OH (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 166 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 528 units permitted in Stark County in 2024 (84 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Stark County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 22y 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.

Risks & watch-outs

• Watch-outs: built in 1904 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $89,900

Questions for the listing agent

1. Built in 1904 — 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 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?
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: 1.43% ✓
• Cap rate: 12.37%
• Cash-on-cash: 21.70%
• DSCR: 1.97
• GRM: 5.8

CMA / ARV

• ARV (median comp): $141,375
• List price: $89,900
• Delta: -36.41%
• 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
134 W Cambridge St	0.00mi	3/1.0	1,670 (0%)	0mo	$83,000	$50	100
233 W Cambridge St	0.13mi	3/1.5	1,626 (-3%)	1mo	$139,000	$85	87
621 S Haines Ave	0.10mi	3/1.0	1,456 (-13%)	2mo	$70,000	$48	72
430 W Oxford St	0.29mi	3/1.0	1,472 (-12%)	0mo	$136,000	$92	66
33 S Lincoln Ave	0.39mi	4/2.0 (+1)	1,748 (+5%)	0mo	$101,375	$58	65
62 E Market St	0.37mi	4/1.5 (+1)	1,804 (+8%)	1mo	$103,050	$57	62
134 11th St	0.44mi	4/2.0 (+1)	1,554 (-7%)	2mo	$70,000	$45	57
231 Rosenberry St	0.42mi	4/1.0 (+1)	1,479 (-11%)	2mo	$70,000	$47	54
234 Rosenberry St	0.41mi	3/2.0	1,458 (-13%)	2mo	$70,000	$48	54
167 11th St	0.48mi	3/2.0	1,426 (-15%)	1mo	$150,000	$105	49
1350 S Freedom Ave	0.75mi	3/2.0	1,463 (-12%)	2mo	$45,000	$31	39
225 Shadyside Ct	0.72mi	3/2.0	1,422 (-15%)	1mo	$193,000	$136	37

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: 1.57×
• Total profit: $14,405
• Equity at exit: $13,404

10-year hold

• IRR: 23.1%
• Equity multiple: 2.98×
• Total profit: $49,796
• Equity at exit: $7,773

Cash invested: $25,172 (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 44601

• Active inventory: 166
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,283 medium
• Mortgage (P&I): −$471
• Tax from tax record: −$50 /mo · $594/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$269
• Net cashflow: $455

Break-even live

Break-even rent $707

Max offer price $89,900

Occupancy floor 60%

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
109 W Ely St Alliance, OH	3.0	1.0	1344	$1,300	$0.97	13d	1	0.59mi
2406 S Union Ave Alliance, OH	4.0	2.0	1394	$1,600	$1.15	43d	1	1.26mi

Listing history 29 events

1. 2026-05-08
   status Pending 449-char remark
2. 2026-04-28
   listed $89,900 Active 449-char remark
3. 2020-02-26
   soldstatus $30,000 Closed 133-char remark

   Show marketing remark (133 chars)

   Beautiful 3 bedroom home. Enjoy entertaining is spacious dining room. Gorgeous woodwork through out! Call for your private tour today

4. 2020-01-20
   status Pending 133-char remark

   Show marketing remark (133 chars)

   Beautiful 3 bedroom home. Enjoy entertaining is spacious dining room. Gorgeous woodwork through out! Call for your private tour today

5. 2020-01-10
   listed $39,900 Active 133-char remark

   Show marketing remark (133 chars)

   Beautiful 3 bedroom home. Enjoy entertaining is spacious dining room. Gorgeous woodwork through out! Call for your private tour today

6. 2020-01-03
   historical
7. 2019-11-25
   price $39,900
8. 2019-09-03
   listed $43,600 Active
9. 2019-08-21
   historical
10. 2019-07-22
    status Active
11. 2019-07-22
    price $43,900
12. 2019-07-21
    historical
13. 2019-06-25
    status Active
14. 2019-06-25
    price $44,700
15. 2019-06-21
    historical
16. 2019-06-05
    price $45,000
17. 2019-04-17
    status Active
18. 2019-04-15
    historical Contingent
19. 2019-04-03
    price $49,000
20. 2019-01-28
    price $54,900
21. 2018-12-21
    listed $59,900 Active
22. 2006-06-09
    soldstatus $71,500
23. 2006-06-09
    soldstatus $71,500
24. 2006-05-31
    listed $70,000
25. 2004-08-27
    soldstatus $33,750
26. 2004-06-13
    listed $36,750
27. 1998-06-30
    soldstatus $48,000
28. 1998-06-30
    soldstatus $48,000
29. 1990-06-07
    soldstatus $23,500

ⓘ 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: $594 · $50/mo
• Projected year-2 tax: $998 · $83/mo
• Expected delta: +$404/yr (+$34/mo · 68.0%)

ⓘ 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 · 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: $15,397
• − Mortgage interest: −$5,036
• − Property taxes: −$594
• − Insurance: −$450
• − Repairs & maintenance: −$1,232
• − Management: −$1,232
• − Depreciation: −$2,615
• Taxable income: $4,238
• Est. tax owed @ 24.0%: −$1,017
• After-tax cash flow: $4,445/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: Alliance City
• NCES district ID: 3904349
• Math proficiency: 39% ▼ -9.00%
• Reading proficiency: 45% ▼ -5.00%
• Median HH income: $33,326
• Composite: 34.54/100
• National rank: #5176
• State rank: #536 of 656 in OH

Livability — Alliance

• Score: 78/100
• State rank: #175
• US rank: #2737

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Alliance, OH
• County: Stark County · 272,865 people
• City population: 32,696
• Metro: Canton-Massillon, OH
• Population (ZIP): 32,696
• Household income: $61,965
• Rent vs Own: 36.6% rent · 63.4% own
• Severe rent burden: 780.0

Population outlook (Stark County) Hauer SSP2

• Today (2025): 373,708 people
• By 2030: 371,245 · -0.7%
• By 2040: 361,331 · -3.3%
• By 2050: 345,290 · -7.6%
• By 2075: 302,669 · -19.0%
• By 2100: 238,870 · -36.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 6% Two or more races 5% Hispanic / Latino 1%
• Common ancestry: Italian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Stark

• 2024 margin: Strong R (+21.9) · D 38.6% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.5pp · 2024: -21.9pp
• All cycles: 2024: R+21.9 2020: R+18.5 2016: R+17.4 2012: R+0.4 2008: D+5.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -174.62%
• Current HPI: 224.9507
• Rent YoY: —
• Metro: Canton-Massillon, 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

+253.2% since first listed

30 events — show timeline

• 2026-06-10 Sold (MLS) $83,000 MLSNOW
• 2026-05-08 Pending — MLSNOW
• 2026-04-28 Listed $89,900 MLSNOW
• 2020-02-26 Sold (MLS) $30,000 MLSNOW
• 2020-01-20 Pending — MLSNOW
• 2020-01-10 Listed $39,900 MLSNOW
• 2020-01-03 Listing Removed — MLSNOW
• 2019-11-25 Price Changed $39,900 MLSNOW
• 2019-09-03 Listed $43,600 MLSNOW
• 2019-08-21 Listing Removed — MLSNOW
• 2019-07-22 Relisted — MLSNOW
• 2019-07-22 Price Changed $43,900 MLSNOW
• 2019-07-21 Listing Removed — MLSNOW
• 2019-06-25 Relisted — MLSNOW
• 2019-06-25 Price Changed $44,700 MLSNOW
• 2019-06-21 Listing Removed — MLSNOW
• 2019-06-05 Price Changed $45,000 MLSNOW
• 2019-04-17 Relisted — MLSNOW
• 2019-04-15 Contingent — MLSNOW
• 2019-04-03 Price Changed $49,000 MLSNOW
• 2019-01-28 Price Changed $54,900 MLSNOW
• 2018-12-21 Listed $59,900 MLSNOW
• 2006-06-09 Sold (Public Records) $71,500 Public Records
• 2006-06-09 Sold (MLS) $71,500 MLSNOW
• 2006-05-31 Listed $70,000 MLSNOW
• 2004-08-27 Sold (MLS) $33,750 MLSNOW
• 2004-06-13 Listed $36,750 MLSNOW
• 1998-06-30 Sold (Public Records) $48,000 Public Records
• 1998-06-30 Sold (Public Records) $48,000 Public Records
• 1990-06-07 Sold (Public Records) $23,500 Public Records

Property tax history

-2.5%/yr

Latest (2024): $594 · -34.9% YoY. Source: county tax records.