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B+ Composite 76.33
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 +14.4/15.0
  • DSCR +10.0/10.0
  • 1% rule +8.2/10.0
  • Schools +4.9/10.0
  • Livability +3.9/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$125,000

None · Burton, OH 44021
2 bd · 1.0 ba · 864 sqft · SingleFamily public records · 18 Days on market
Built 1950 0.62 ac lot $145/sqft · 15% below area Est $148k · 15% under

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

Key facts

  • Over .62 acres
  • Yard shed
  • 0.62 acre lot

Tags

OVER .62 ACRESDECK OVERLOOKS BACKYARDSEPARATE FENCED-IN AREAPULL-DOWN ATTIC STAIRSYARD SHED

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $125k.

Deal economics

  • At list price, monthly cash flow is $483 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $125k).
  • Recommended offer: $123k (1.5% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 78/100 on livability (#172 in OH, #2,708 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
  • Berkshire Local (town): math 52% / reading 60% proficiency, ranked #335 of 656 in OH (top 51%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 19% free/reduced lunch — higher-income household profile.
  • Market conditions: 20 active listings in the ZIP; solid renter incomes; 220 units permitted in Geauga County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Geauga County population projected to shrink 7% 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 $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 18 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 11y 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 1950 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $123,125 (1.5% below list)

Questions for the listing agent

  1. Built in 1950 — 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 A-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
1.32%
Cap rate
10.93%
Cash-on-cash
16.55%
DSCR
1.74
GRM
6.3

CMA / ARV

ARV (median comp)
$147,660
List price
$125,000
Delta
-15.35%
Verdict
UNDERPRICED
Comps
5 within 1.0 mi
Show comp detail 1 sale within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
16195 Snow Rd 0.00mi 2/1.0 864 (0%) 5mo $168,000 $194 96

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
7.7%
Equity multiple
1.30×
Total profit
$10,478
Equity at exit
$18,638
10-year hold
IRR
16.9%
Equity multiple
2.39×
Total profit
$48,688
Equity at exit
$10,808

Cash invested: $35,000 (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.

ZIP-level market 44021

Home prices YoY
-26.7%
Active inventory
20
Price-to-rent
6.3×

Monthly cashflow live

Estimated rent
$1,646 medium interval (Pro) →
Mortgage (P&I)
$656
Tax from tax record
$110 /mo · $1,320/yr
Insurance
$52
HOA
$0
Vacancy / Maint / Mgmt
$346
Net cashflow
$483

Break-even live

Break-even rent $1,035
Max offer price $125,000
Occupancy floor 66%

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
$31,250
Closing costs
$3,750
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 22 events

  1. 2026-06-01
    status $125,000 Pending 18 DOM
  2. 2026-06-01
    days on market $125,000 Active 18 DOM
  3. 2026-05-31
    days on market $125,000 Active 17 DOM
  4. 2026-05-12
    listed $125,000 Active 603-char remark
  5. 2026-02-05
    soldstatus $168,000
  6. 2026-02-02
    soldstatus $168,000 Closed 826-char remark
    Show marketing remark (826 chars)

    Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

  7. 2025-12-29
    status Pending 826-char remark
    Show marketing remark (826 chars)

    Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

  8. 2025-12-15
    historical Contingent 826-char remark
    Show marketing remark (826 chars)

    Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

  9. 2025-12-11
    price $167,000 826-char remark
    Show marketing remark (826 chars)

    Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

  10. 2025-11-11
    listed $169,000 Active 826-char remark
    Show marketing remark (826 chars)

    Move-in ready Ranch home located on over . 62 of an acre property, conveniently located near OH-44, US-422, and just minutes from Punderson State Park, LaDue Reservoir, Burton Wetlands and many other local attractions. The home features a living room with refinished hardwood floors that is open to an eat-in kitchen with breakfast bar, all appliances included, and access to a deck that overlooks the spacious backyard. A separate fenced-in area off the deck provides a secure space for pets or play. Pull down stairs to an attic and a shed in the yard are perfect for storage. Recent updates include: freshly painted interior (2023), replaced light fixtures, carpet in the primary bedroom and microwave (2024), crawl space sealed. INCLUDED are ALL kitchen appliances, washer/dryer, window blinds, and a 1-year home warranty.

  11. 2023-12-12
    historical
  12. 2023-12-12
    soldstatus $122,000 Closed
  13. 2023-12-01
    soldstatus $122,000
  14. 2023-10-11
    listed $122,000
  15. 2016-09-09
    status Pending
  16. 2016-09-09
    soldstatus $89,000 Sold
  17. 2016-07-11
    historical Contingent
  18. 2016-07-01
    status Active
  19. 2015-12-10
    historical
  20. 2015-09-28
    listed $89,900 Active
  21. 2011-12-29
    soldstatus $80,000
  22. 2008-10-01
    soldstatus $30,000

ⓘ 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
$1,320 · $110/mo
Projected year-2 tax
$1,635 · $136/mo
Expected delta
+$315/yr (+$26/mo · 23.9%)

ⓘ 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 2/10 Low 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,750
− Mortgage interest
−$7,002
− Property taxes
−$1,320
− Insurance
−$625
− Repairs & maintenance
−$1,580
− Management
−$1,580
− Depreciation
−$3,636
Taxable income
$4,007
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$962
After-tax cash flow
$4,830/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
Berkshire Local
NCES district ID
3904716
Math proficiency
52% ▼ -17.00%
Reading proficiency
60% ▼ -6.00%
Median HH income
$58,347
Composite
48.53/100
National rank
#2117
State rank
#335 of 656 in OH

Livability — Burton

Score
78/100
State rank
#172
US rank
#2708

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Geauga · 90,510 people
Metro
Cleveland, OH
Population (ZIP)
5,739
Household income
$79,359
Rent vs Own
19.2% rent · 80.8% own
Severe rent burden
7.9

Population outlook (Geauga County) Hauer SSP2

Today (2025)
94,919 people
By 2030
94,804 · -0.1%
By 2040
92,641 · -2.4%
By 2050
88,198 · -7.1%
By 2075
79,080 · -16.7%
By 2100
60,856 · -35.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (98%)
Race & ethnicity
White 98%
Common ancestry
Polish 13% Romanian 6% Slovak 3%
Foreign-born
0%
Languages at home
79% English-only · German/W. Germanic 19% Spanish 1%

Political lean MEDSL · Geauga

2024 margin
Strong R (+24.1) · D 37.5% · R 61.7%
2008→2024 swing
-8.8pp toward R · 2008: -15.4pp · 2024: -24.1pp
All cycles
2024: R+24.1 2020: R+23.1 2016: R+25.5 2012: R+21.6 2008: R+15.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -75.64%
Current HPI
207.6825
Rent YoY
Metro
State GDP YoY
▲ 1.98%
F500 in state
48

Industry mix (Fortune 500 HQ in OH)

Industry F500 HQs Revenue

Price history

+316.7% since first listed
20 events — show timeline
  • 2026-06-01 Pending MLSNOW
  • 2026-05-12 Listed $125,000 MLSNOW
  • 2026-02-05 Sold (Public Records) $168,000 Public Records
  • 2026-02-02 Sold (MLS) $168,000 MLSNOW
  • 2025-12-29 Pending MLSNOW
  • 2025-12-15 Contingent MLSNOW
  • 2025-12-11 Price Changed $167,000 MLSNOW
  • 2025-11-11 Listed $169,000 MLSNOW
  • 2023-12-12 Listing Removed MLSNOW
  • 2023-12-12 Sold (MLS) $122,000 MLSNOW
  • 2023-12-01 Sold (Public Records) $122,000 Public Records
  • 2023-10-11 Listed $122,000 MLSNOW
  • 2016-09-09 Pending MLSNOW
  • 2016-09-09 Sold (MLS) $89,000 MLSNOW
  • 2016-07-11 Contingent MLSNOW
  • 2016-07-01 Relisted MLSNOW
  • 2015-12-10 Listing Removed MLSNOW
  • 2015-09-28 Listed $89,900 MLSNOW
  • 2011-12-29 Sold (Public Records) $80,000 Public Records
  • 2008-10-01 Sold (Public Records) $30,000 Public Records

Property tax history

+4.5%/yr

Latest (2025): $1,320 · -0.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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