433 S 7th St · Coshocton, OH 43812

$59,000

3 bd · 1.0 ba · 1,296 sqft · SingleFamily public records · 61 Days on market

Built 1915 2,456 sqft lot $46/sqft · 30% below area Est $84k · 30% 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
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 Bedroom 1 bath home that is currently excellent tenant occupied. This two-story home boast large rooms, a 1 car detached garage, and wrap around front porch on a corner lot close to everything. Listing agent is member of owning LLC.

Key facts

• 2,456 sq ft lot
• Garage
• Built 1915

🏷️ Possibly a rental listed for sale. The $59,000 price doesn't fit this home's estimated sale value (~$84,320) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $59k.

Deal economics

• At list price, monthly cash flow is $408 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $59k).
• Recommended offer: $55k (6.0% below list) — sets the bar for market timing.
• Cap rate 14.6% vs local median 4.0% in Coshocton — 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 69/100 on livability (#526 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B+; Watch: crime C-, amenities F, commute F.
• Coshocton City (town): math 39% / reading 49% proficiency, ranked #518 of 656 in OH (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 118 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 7 units permitted in Coshocton County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $408 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Coshocton County population projected at -18% 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 ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($55k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y ago; this cycle's ask has dropped $11k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $25k; list at $59k implies a 136% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $55,460 (6.0% below list)

Questions for the listing agent

1. It's been on market 61 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 1915 — 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. 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: 1.72% ✓
• Cap rate: 14.60%
• Cash-on-cash: 29.67%
• DSCR: 2.32
• GRM: 4.8

CMA / ARV

• ARV (median comp): $84,320
• List price: $59,000
• Delta: -30.03%
• 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
731 S 6th St	0.25mi	3/1.0	1,278 (-1%)	3mo	$110,000	$86	84
803 Kenilworth Ave	0.27mi	3/2.0	1,296 (0%)	1mo	$161,000	$124	82
914 S Lawn Ave	0.42mi	2/1.0 (-1)	1,244 (-4%)	6mo	$135,000	$109	64
640 Orange St	0.12mi	2/1.0 (-1)	1,108 (-14%)	3mo	$29,000	$26	62
223 Pine St	0.46mi	3/2.0	1,190 (-8%)	1mo	$122,000	$103	60
422 N 12th St	0.71mi	2/1.0 (-1)	1,234 (-5%)	2mo	$63,000	$51	52
546 Cemetery St	0.54mi	3/1.0	1,120 (-14%)	2mo	$135,000	$121	51
227 Pine St	0.46mi	4/2.0 (+1)	1,436 (+11%)	2mo	$108,000	$75	50
631 Locust St	0.45mi	3/2.0	1,112 (-14%)	5mo	$78,000	$70	47
438 N 9th St	0.63mi	2/1.0 (-1)	1,132 (-13%)	1mo	$139,200	$123	44
349 N 11th St	0.61mi	2/1.0 (-1)	1,479 (+14%)	7mo	$129,900	$88	37
1521 Elm St	0.70mi	2/1.5 (-1)	1,140 (-12%)	6mo	$130,000	$114	35

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: 24.2%
• Equity multiple: 2.00×
• Total profit: $16,463
• Equity at exit: $8,797

10-year hold

• IRR: 32.0%
• Equity multiple: 3.90×
• Total profit: $47,865
• Equity at exit: $5,101

Cash invested: $16,520 (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 43812

• Active inventory: 118
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,017 medium
• Mortgage (P&I): −$309
• Tax from tax record: −$61 /mo · $727/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $408

Break-even live

Break-even rent $499

Max offer price $59,000

Occupancy floor 55%

Sensitivity live

Price	-10% $442	-5% $425	+0% $408	+5% $392	+10% $375
Rent	-10% $328	-5% $368	+0% $408	+5% $449	+10% $489
Rate	-1.0pp $438	-0.5pp $423	base $408	+0.5pp $393	+1.0pp $378

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: $14,750
• Closing costs: $1,770
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
611 Pine St Coshocton, OH	3.0	1.0	1277	$1,100	$0.86	16d	1	0.13mi
925 Walnut St Coshocton, OH	2.0	1.0	1096	$800	$0.73	16d	1	0.30mi

Listing history 26 events

1. 2026-06-21
   days on market $59,000 Active 61 DOM
2. 2026-06-21
   days on market $59,000 Active 60 DOM
3. 2026-06-18
   days on market $59,000 Active 58 DOM
4. 2026-06-17
   days on market $59,000 Active 57 DOM
5. 2026-06-16
   days on market $59,000 Active 56 DOM
6. 2026-06-15
   days on market $59,000 Active 55 DOM
7. 2026-06-13
   days on market $59,000 Active 53 DOM
8. 2026-06-12
   days on market $59,000 Active 52 DOM
9. 2026-06-09
   days on market $59,000 Active 49 DOM
10. 2026-06-08
    days on market $59,000 Active 48 DOM
11. 2026-06-08
    days on market $59,000 Active 47 DOM
12. 2026-06-07
    days on market $59,000 Active 46 DOM
13. 2026-06-04
    days on market $59,000 Active 43 DOM
14. 2026-06-02
    days on market $59,000 Active 42 DOM
15. 2026-06-01
    days on market $59,000 Active 41 DOM
16. 2026-05-31
    days on market $59,000 Active 40 DOM
17. 2026-04-21
    listed $69,900 Active 234-char remark

    Show marketing remark (234 chars)

    3 Bedroom 1 bath home that is currently excellent tenant occupied. This two-story home boast large rooms, a 1 car detached garage, and wrap around front porch on a corner lot close to everything. Listing agent is member of owning LLC.

18. 2026-04-14
    historical
19. 2026-02-16
    price $69,900
20. 2026-01-09
    price $74,900
21. 2025-12-02
    price $79,900
22. 2025-10-28
    listed $84,900 Active
23. 2016-09-28
    soldstatus $25,000 Sold
24. 2015-12-30
    listed $35,000 Active
25. 2014-03-30
    historical
26. 2013-10-02
    listed $35,000

ⓘ 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: $727 · $61/mo
• Projected year-2 tax: $824 · $69/mo
• Expected delta: +$97/yr (+$8/mo · 13.3%)

ⓘ 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 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,198
• − Mortgage interest: −$3,305
• − Property taxes: −$727
• − Insurance: −$295
• − Repairs & maintenance: −$976
• − Management: −$976
• − Depreciation: −$1,716
• Taxable income: $4,203
• Est. tax owed @ 24.0%: −$1,009
• After-tax cash flow: $3,893/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: Coshocton City
• NCES district ID: 3904382
• Math proficiency: 39% ▼ -22.00%
• Reading proficiency: 49% ▼ -10.00%
• Median HH income: $33,758
• Composite: 36.22/100
• National rank: #4726
• State rank: #518 of 656 in OH

Livability — Coshocton

• Score: 69/100
• State rank: #526
• US rank: #8938

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Coshocton, OH
• County: Coshocton · 37,075 people
• Population (ZIP): 18,716
• Household income: $51,930
• Rent vs Own: 36.2% rent · 63.8% own
• Severe rent burden: 7.2

Population outlook (Coshocton County) Hauer SSP2

• Today (2025): 35,193 people
• By 2030: 34,112 · -3.1%
• By 2040: 31,670 · -10.0%
• By 2050: 29,033 · -17.5%
• By 2075: 22,827 · -35.1%
• By 2100: 16,421 · -53.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5%
• Common ancestry: Iranian 2% Lithuanian 2% Slovak 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1%

Political lean MEDSL · Coshocton

• 2024 margin: Solid R (+52.2) · D 23.5% · R 75.7%
• 2008→2024 swing: -46.4pp toward R · 2008: -5.8pp · 2024: -52.2pp
• All cycles: 2024: R+52.2 2020: R+49.0 2016: R+43.3 2012: R+9.5 2008: R+5.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -188.33%
• Current HPI: 216.5142
• 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

+99.7% since first listed

10 events — show timeline

• 2026-04-21 Listed $69,900 MLSNOW
• 2026-04-14 Listing Removed — MLSNOW
• 2026-02-16 Price Changed $69,900 MLSNOW
• 2026-01-09 Price Changed $74,900 MLSNOW
• 2025-12-02 Price Changed $79,900 MLSNOW
• 2025-10-28 Listed $84,900 MLSNOW
• 2016-09-28 Sold (MLS) $25,000 MLSNOW
• 2015-12-30 Listed $35,000 MLSNOW
• 2014-03-30 Listing Removed — MLSNOW
• 2013-10-02 Listed $35,000 MLSNOW

Property tax history

-3.5%/yr

Latest (2025): $727 · +8.9% YoY. Source: county tax records.