32 Como St · Struthers, OH 44471

$123,900

3 bd · 1.5 ba · 1,358 sqft · SingleFamily public records · 68 Days on market

Built 1921 6,229 sqft lot $91/sqft · 11% below area Est $140k · 11% 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 +12.5/15.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• Schools +4.0/10.0
• Livability +3.6/5.0
• Appreciation +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

Key facts

• 6,229 sq ft lot
• 2 garage spots
• Built 1921

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $124k.

Deal economics

• At list price, monthly cash flow is $523 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $124k).
• Recommended offer: $116k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.4% vs local median 6.4% in Struthers — 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 71/100 on livability (#418 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: commute C-, amenities F, employment F.
• Struthers City (suburban): math 45% / reading 52% proficiency, ranked #475 of 656 in OH (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 67 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $857 of loan paydown is wiped out by about $4k 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 $35k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($116k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 23y ago; this cycle's ask has dropped $21k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $49k; list at $124k implies a 153% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1921 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $116,466 (6.0% below list)

Questions for the listing agent

1. It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1921 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.37% ✓
• Cap rate: 11.36%
• Cash-on-cash: 18.10%
• DSCR: 1.81
• GRM: 6.1

CMA / ARV

• ARV (median comp): $139,541
• List price: $123,900
• Delta: -11.21%
• 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
32 Como St	0.00mi	3/2.5	1,358 (0%)	1mo	$115,000	$85	95
42 E Wilson St	0.07mi	3/2.0	1,409 (+4%)	2mo	$155,000	$110	87
93 Morrison St	0.27mi	3/1.5	1,360 (+0%)	6mo	$135,000	$99	82
178 Como St	0.28mi	3/2.0	1,400 (+3%)	0mo	$221,500	$158	80
227 E Wilson St	0.38mi	3/1.0	1,365 (+0%)	1mo	$187,000	$137	78
556 Idora Ln	0.44mi	3/1.5	1,326 (-2%)	1mo	$198,000	$149	75
19 Renee Dr	0.15mi	3/1.5	1,250 (-8%)	6mo	$192,000	$154	74
24 Sexton St	0.35mi	3/1.0	1,440 (+6%)	1mo	$105,000	$73	71
418 W Wilson St	0.74mi	3/1.5	1,344 (-1%)	6mo	$130,000	$97	59
101 Ridgeway St	0.38mi	3/2.0	1,536 (+13%)	1mo	$136,000	$89	57
281 Sexton St	0.60mi	3/1.0	1,248 (-8%)	1mo	$175,000	$140	56
294 Elm St	0.67mi	3/1.5	1,248 (-8%)	8mo	$120,000	$96	49

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: 9.7%
• Equity multiple: 1.38×
• Total profit: $13,246
• Equity at exit: $18,474

10-year hold

• IRR: 18.8%
• Equity multiple: 2.57×
• Total profit: $54,451
• Equity at exit: $10,713

Cash invested: $34,692 (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 44471

• Home prices YoY: -1.5%
• Active inventory: 67
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,698 medium
• Mortgage (P&I): −$650
• Tax from tax record: −$117 /mo · $1,407/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$357
• Net cashflow: $523

Break-even live

Break-even rent $1,036

Max offer price $123,900

Occupancy floor 64%

Sensitivity live

Price	-10% $593	-5% $558	+0% $523	+5% $488	+10% $453
Rent	-10% $389	-5% $456	+0% $523	+5% $590	+10% $657
Rate	-1.0pp $586	-0.5pp $555	base $523	+0.5pp $491	+1.0pp $458

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: $30,975
• Closing costs: $3,717
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
465 W Omar St Struthers, OH	3.0	2.0	1544	$1,800	$1.17	14d	1	0.86mi
610 Elm St Struthers, OH	3.0	1.0	1050	$1,500	$1.43	14d	1	1.15mi
4807 Sheridan Rd Youngstown, OH	3.0	1.5	1586	$1,750	$1.10	14d	1	1.47mi

Listing history 26 events

1. 2026-05-17
   status Pending 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

2. 2026-05-17
   status Active 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

3. 2026-05-08
   status Pending 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

4. 2026-04-28
   price $123,900 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

5. 2026-04-09
   status Active 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

6. 2026-04-09
   price $129,900 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

7. 2026-04-03
   status Pending 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

8. 2026-03-20
   price $130,900 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

9. 2026-03-03
   price $138,900 318-char remark

   Show marketing remark (318 chars)

   Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

10. 2026-02-23
    listed $144,900 Active 318-char remark

    Show marketing remark (318 chars)

    Great starter home with 3 bedrooms, 2.5 baths and a large 2.5 car garage. Hardwood floors, gas fireplace and a large, enclosed porch make this house cozy, but there is plenty of room for the whole family to have their own space! Full bathrooms upstairs and in the basement and a half bath for guests on the main floor.

11. 2015-10-23
    soldstatus $49,000 Sold 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

12. 2015-10-23
    soldstatus $49,000

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

13. 2015-09-07
    status Pending 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

14. 2015-08-25
    price $49,900 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

15. 2015-08-07
    price $52,000 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

16. 2015-07-17
    price $56,000 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

17. 2015-07-06
    price $59,900 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

18. 2015-06-24
    price $64,900 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

19. 2015-06-01
    listed $69,900 Active 379-char remark

    Show marketing remark (379 chars)

    Spacious 3 bedroom 2 1/2 bath home. Immediate occupancy. Newer roof, furnace, central air conditioning, insulation. Highest gas bill last winter was $110. Beautiful hardwood floors. Gas fireplace. Large enclosed 3 season front porch for additional living space. 2 1/2 car garage with extra storage room. Walking distance to Yellow Creek Park. Call today for your private showing.

20. 2008-08-20
    soldstatus $77,500
21. 2008-08-18
    soldstatus $72,500
22. 2008-07-30
    historical
23. 2007-06-19
    listed $78,900
24. 2003-12-03
    soldstatus $65,500
25. 2003-12-03
    soldstatus $65,500
26. 2003-10-23
    listed $69,900

ⓘ 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: $1,407 · $117/mo
• Projected year-2 tax: $1,670 · $139/mo
• Expected delta: +$263/yr (+$22/mo · 18.7%)

ⓘ 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,382
• − Mortgage interest: −$6,940
• − Property taxes: −$1,407
• − Insurance: −$620
• − Repairs & maintenance: −$1,631
• − Management: −$1,631
• − Depreciation: −$3,604
• Taxable income: $4,549
• Est. tax owed @ 24.0%: −$1,092
• After-tax cash flow: $5,186/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: Struthers City
• NCES district ID: 3904485
• Math proficiency: 45% ▼ -12.00%
• Reading proficiency: 52% ▼ -8.00%
• Median HH income: $37,753
• Composite: 40.35/100
• National rank: #3742
• State rank: #475 of 656 in OH

Livability — Struthers

• Score: 71/100
• State rank: #418
• US rank: #6867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Struthers, OH
• County: Mahoning · 224,175 people
• City population: 10,296
• Metro: Youngstown-Warren, OH
• Population (ZIP): 10,296
• Household income: $52,811
• Rent vs Own: 31.2% rent · 68.8% own
• Severe rent burden: 12.2

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: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Romanian 8% Lithuanian 4% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4% Arabic 1% Other Indo-European 1%

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: ▼ -4.12%
• Current HPI: 274.6394
• 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

+77.3% since first listed

26 events — show timeline

• 2026-05-17 Pending — MLSNOW
• 2026-05-17 Relisted — MLSNOW
• 2026-05-08 Pending — MLSNOW
• 2026-04-28 Price Changed $123,900 MLSNOW
• 2026-04-09 Relisted — MLSNOW
• 2026-04-09 Price Changed $129,900 MLSNOW
• 2026-04-03 Pending — MLSNOW
• 2026-03-20 Price Changed $130,900 MLSNOW
• 2026-03-03 Price Changed $138,900 MLSNOW
• 2026-02-23 Listed $144,900 MLSNOW
• 2015-10-23 Sold (Public Records) $49,000 Public Records
• 2015-10-23 Sold (MLS) $49,000 MLSNOW
• 2015-09-07 Pending — MLSNOW
• 2015-08-25 Price Changed $49,900 MLSNOW
• 2015-08-07 Price Changed $52,000 MLSNOW
• 2015-07-17 Price Changed $56,000 MLSNOW
• 2015-07-06 Price Changed $59,900 MLSNOW
• 2015-06-24 Price Changed $64,900 MLSNOW
• 2015-06-01 Listed $69,900 MLSNOW
• 2008-08-20 Sold (Public Records) $77,500 Public Records
• 2008-08-18 Sold (MLS) $72,500 MLSNOW
• 2008-07-30 Listing Removed — MLSNOW
• 2007-06-19 Listed $78,900 MLSNOW
• 2003-12-03 Sold (Public Records) $65,500 Public Records
• 2003-12-03 Sold (MLS) $65,500 MLSNOW
• 2003-10-23 Listed $69,900 MLSNOW

Property tax history

+1.3%/yr

Latest (2025): $1,407 · -0.0% YoY. Source: county tax records.