133 3rd St · Bradley, WV 25880

$89,900

3 bd · 1.5 ba · 1,664 sqft · SingleFamily public records · 339 Days on market

Built 1900 Est $80k · 13% over

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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
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Appreciation +5.8/10.0
• Schools +3.0/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.9/15.0

Listing remarks

1660 sq ft House on Almost Half an Acre in Mt Hope Fixer Upper with Lots of Potential!

Key facts

• Lots of potential
• Fixer upper
• Half an acre

Tags

• HALF AN ACRE
• FIXER UPPER
• LOTS OF POTENTIAL

Property features AI

Exterior

• Home design: Residential property
• Construction: Concrete perimeter foundation
• Exterior features: Metal roof

Interior

• Flooring: Hardwood flooring; Vinyl flooring; Laminate flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioning; Forced air heating
• Interior features: Laminate countertops; Hardwood, vinyl, and laminate flooring; 10 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $376 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#282 in WV) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+, housing A; Watch: schools F, amenities F, commute F.
• Raleigh County Schools (rural): math 29% / reading 42% proficiency, ranked #14 of 55 in WV (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 7 active listings in the ZIP; 41 units permitted in Raleigh County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($622 loan paydown + $2k appreciation (1.7% local appreciation)).
• Raleigh County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.7% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 339 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $22k; list at $90k implies a 309% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 339 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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.
8. 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.
9. 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: 1.42% ✓
• Cap rate: 12.06%
• Cash-on-cash: 20.58%
• DSCR: 1.92
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $79,872
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6110 Robert C Byrd Dr	0.20mi	3/2.0	1,568 (-6%)	3mo	$75,150	$48	76

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

Projected returns pro-forma

1.69% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.5%
• Equity multiple: 2.14×
• Total profit: $28,767
• Equity at exit: $33,984

10-year hold

• IRR: 23.8%
• Equity multiple: 4.05×
• Total profit: $76,822
• Equity at exit: $47,828

Cash invested: $25,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 25880

• Home prices YoY: 0.7%
• Active inventory: 7
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,278 medium
• Mortgage (P&I): −$471
• Tax from tax record: −$69 /mo · $826/yr
• Insurance: −$37
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $376

Break-even live

Break-even rent $802

Max offer price $89,900

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

Listing history 19 events

1. 2026-06-19
   days on market $89,900 Active 339 DOM
2. 2026-06-18
   days on market $89,900 Active 338 DOM
3. 2026-06-17
   days on market $89,900 Active 337 DOM
4. 2026-06-16
   days on market $89,900 Active 336 DOM
5. 2026-06-15
   days on market $89,900 Active 335 DOM
6. 2026-06-14
   days on market $89,900 Active 333 DOM
7. 2026-06-12
   pricedays on market $89,900 Active 332 DOM
8. 2026-06-09
   days on market $109,900 Active 329 DOM
9. 2026-06-08
   days on market $109,900 Active 328 DOM
10. 2026-06-07
    days on market $109,900 Active 327 DOM
11. 2026-06-03
    days on market $109,900 Active 323 DOM
12. 2026-06-02
    days on market $109,900 Active 322 DOM
13. 2026-06-01
    days on market $109,900 Active 321 DOM
14. 2026-05-31
    days on market $109,900 Active 320 DOM
15. 2026-05-30
    days on market $109,900 Active 319 DOM
16. 2025-11-04
    price $109,900
17. 2025-08-26
    price $119,900
18. 2025-07-15
    listed $129,900 Active
19. 2019-03-04
    soldstatus $22,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WV · Resets to sale price

• Current annual tax: $826 · $69/mo
• Projected year-2 tax: $826 · $69/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 77% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 21 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,335
• − Mortgage interest: −$5,036
• − Property taxes: −$826
• − Insurance: −$1,116
• − Repairs & maintenance: −$1,227
• − Management: −$1,227
• − Depreciation: −$2,615
• Taxable income: $3,288
• Est. tax owed @ 24.0%: −$789
• After-tax cash flow: $3,726/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: Raleigh County Schools
• NCES district ID: 5401230
• Math proficiency: 29% ▼ -8.00%
• Reading proficiency: 42% ▼ -3.00%
• Median HH income: $39,828
• Composite: 29.74/100
• National rank: #6445
• State rank: #14 of 55 in WV

Livability — Bradley

• Score: 55/100
• State rank: #282
• US rank: #23569

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradley, WV
• City population: 5,862
• Population (ZIP): 5,552

Population outlook (Raleigh County) Hauer SSP2

• Today (2025): 73,505 people
• By 2030: 70,954 · -3.5%
• By 2040: 66,038 · -10.2%
• By 2050: 61,919 · -15.8%
• By 2075: 51,954 · -29.3%
• By 2100: 39,724 · -46.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 5% Black 4% Hispanic / Latino 3% Asian 1%
• Common ancestry: Slovak 2% Serbian 2% Portuguese 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Chinese 1% Spanish 1%

Political lean MEDSL · Raleigh

• 2024 margin: Solid R (+54.3) · D 22.0% · R 76.3% · Other 1.6%
• 2008→2024 swing: -28.5pp toward R · 2008: -25.9pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+50.4 2016: R+52.8 2012: R+44.6 2008: R+25.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.69%
• Current HPI: 230.0339
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+399.5% since first listed

4 events — show timeline

• 2025-11-04 Price Changed $109,900 GVBOR
• 2025-08-26 Price Changed $119,900 GVBOR
• 2025-07-15 Listed $129,900 GVBOR
• 2019-03-04 Sold (Public Records) $22,000 Public Records

Property tax history

+9.5%/yr

Latest (2025): $826 · +14.4% YoY. Source: county tax records.