2075 Hurd St · Toledo, OH 43605

$85,000

2 bd · 1.5 ba · 1,068 sqft · SingleFamily public records · 12 Days on market

Built 1917 3,900 sqft lot $80/sqft · 15% above area Est $74k · 15% over

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Why this score? — see what drove the C- 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 +25.3/30.0
• DSCR +8.3/10.0
• 1% rule +7.0/10.0
• Rent growth +3.8/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• ARV discount +0.8/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

1.5-sty traditional with 2 bedrooms. Formal living room and dining room have hardwood floors. Family room with attached half bath. Privacy fenced yard. Deck. 2 car detached garage. Lots of potential with a little work!

Key facts

• 3,900 sq ft lot
• Garage
• Built 1917

Property features AI

Finance

• Other: Lot on a city street with asphalt road frontage; Zoning: 10-RD6

Exterior

• Parking: Detached garage; On-street parking; Total of 2 parking spaces (1 garage space)
• Utilities: Electricity connected (100 Amp service); Natural gas connected; Public water; Public sewer; Internet available
• Home design: Single-family residence (house); Not attached to other structures; One and one-half levels
• Construction: Aluminum siding; Shingle roof; Foundation: block, combination, crawl space; Built per public records
• Exterior features: Front porch; Privacy fencing; Garage(s) on property

Interior

• Kitchen: Includes ENERGY STAR qualified appliances
• Bedrooms: Primary bedroom (upper level); Bedroom 2 (upper level)
• Flooring: Carpet; Plank (vinyl plank in main-level living areas and kitchen)
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Ceiling fans; Window treatments; Storm doors; Water heater; ENERGY STAR qualified appliances; 6 total rooms
• Laundry & utility: Washer hookup in basement; Electric dryer hookup in basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $193 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Cap rate 9.0% vs local median 7.5% in Toledo — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, crime F, commute F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Raymer Elementary School (math 14% / reading 16%, grade F, #1,377 of 1,584 statewide, top 87%, 424 students, 0% FRL); Waite High School (math 12% / reading 24%, grade F, #687 of 781 statewide, top 88%, 997 students, 0% FRL) — zoned schools average 0% FRL vs 72% district-wide (72 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents rising fast (+5.4%/yr); 119 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).
• This rent runs 31% of the median local income ($39k/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 $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $24k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 19y 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 1917 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $85,000

Questions for the listing agent

1. Built in 1917 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.20% ✓
• Cap rate: 9.02%
• Cash-on-cash: 9.75%
• DSCR: 1.43
• GRM: 7.0

CMA / ARV

• ARV (median comp): $74,037
• List price: $85,000
• Delta: 14.81%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
463 Howland Ave	0.33mi	3/1.0 (+1)	1,027 (-4%)	4mo	$65,000	$63	68
2003 Idaho St	0.14mi	3/1.0 (+1)	1,172 (+10%)	5mo	$120,000	$102	66
429 Dover Pl	0.24mi	3/1.0 (+1)	1,155 (+8%)	6mo	$66,000	$57	63
1940 Hurd St	0.18mi	3/1.0 (+1)	1,200 (+12%)	4mo	$99,900	$83	61
1133 Nevada St	0.70mi	2/1.0	1,044 (-2%)	4mo	$36,000	$34	59
932 Cresceus Rd	0.50mi	2/1.0	983 (-8%)	4mo	$118,000	$120	58
2017 Kelsey Ave	0.48mi	3/1.0 (+1)	1,152 (+8%)	1mo	$119,900	$104	56
328 White St	0.69mi	2/1.0	1,000 (-6%)	1mo	$39,900	$40	54
1130 Earlwood Ave	0.47mi	3/1.5 (+1)	1,191 (+12%)	1mo	$185,000	$155	53
590 Sylvandale Ave	0.45mi	3/1.0 (+1)	1,193 (+12%)	5mo	$180,000	$151	49
616 Spring Grove Ave	0.40mi	3/1.0 (+1)	920 (-14%)	6mo	$36,000	$39	47
256 Midvale Ave	0.56mi	3/1.0 (+1)	1,180 (+10%)	4mo	$137,300	$116	46

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 · 5.37% rent growth · sell at horizon

5-year hold

• IRR: 1.1%
• Equity multiple: 1.04×
• Total profit: $1,049
• Equity at exit: $12,674

10-year hold

• IRR: 13.1%
• Equity multiple: 2.16×
• Total profit: $27,573
• Equity at exit: $7,349

Cash invested: $23,800 (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 43605

• Home prices YoY: -25.6%
• Rents YoY: 5.4%
• Active inventory: 119
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,016 high
• Mortgage (P&I): −$446
• Tax from tax record: −$128 /mo · $1,542/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $193

Break-even live

Break-even rent $772

Max offer price $85,000

Occupancy floor 76%

Sensitivity live

Price	-10% $241	-5% $217	+0% $193	+5% $169	+10% $145
Rent	-10% $113	-5% $153	+0% $193	+5% $233	+10% $274
Rate	-1.0pp $236	-0.5pp $215	base $193	+0.5pp $171	+1.0pp $149

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2129 Nevada St Toledo, OH	3.0	1.0	1352	$1,200	$0.89	15d	1	0.12mi
722 Coyne Ave Toledo, OH	2.0	1.0	900	$1,000	$1.11	15d	1	0.15mi
732 Coyne Ave Toledo, OH	3.0	1.0	968	$1,145	$1.18	15d	1	0.16mi
571 Howland Ave Toledo, OH	2.0	1.0	874	$875	$1.00	45d	1	0.26mi
2074 Starr Ave Toledo, OH	3.0	1.0	1115	$1,025	$0.92	24d	1	0.32mi
508 Howland Ave Toledo, OH	3.0	1.0	840	$1,000	$1.19	45d	1	0.32mi
1614 Nevada St Toledo, OH	2.0	1.0	1172	$1,000	$0.85	22d	1	0.41mi
557 Valleywood Dr Toledo, OH	3.0	1.0	848	$1,100	$1.30	45d	1	0.45mi
1505 Navarre Ave Toledo, OH	3.0	1.0	1331	$1,145	$0.86	45d	1	0.52mi
948 White St Toledo, OH	3.0	1.0	1024	$1,135	$1.11	15d	1	0.64mi
724 Plymouth St Toledo, OH	1.0	1.0	850	$750	$0.88	15d	1	0.65mi
724 Plymouth St Toledo, OH	2.0	1.0	819	$750	$0.92	45d	1	0.65mi
1311 Mason St Unit 2 Toledo, OH	1.0	1.0	950	$703	$0.74	15d	1	0.66mi
1106 White St Toledo, OH	3.0	1.0	1200	$1,015	$0.85	15d	1	0.69mi
1123 Nevada St Toledo, OH	2.0	1.0	792	$900	$1.14	15d	1	0.71mi
223 Valleywood Dr Toledo, OH	2.0	1.0	1098	$1,099	$1.00	24d	1	0.73mi
315 Parker Ave Unit 3 Toledo, OH	1.0	1.0	1029	$799	$0.78	24d	1	0.87mi
653 Oswald St Toledo, OH	2.0	1.0	920	$800	$0.87	45d	1	0.92mi
908 Forsythe St Unit Downstairs Toledo, OH	3.0	1.0	1164	$950	$0.82	45d	1	0.95mi
908 Forsythe St Unit Upstairs Toledo, OH	2.0	1.0	1164	$900	$0.77	15d	1	0.95mi
1103 S Wheeling St Oregon, OH	2.0	1.0	825	$1,049	$1.27	45d	1	0.96mi
1205 Liberty St Unit NA Toledo, OH	3.0	1.0	864	$1,195	$1.38	45d	1	0.98mi
221 Licking St Unit 2 Toledo, OH	3.0	1.0	1048	$1,099	$1.05	24d	1	1.09mi
420 Platt St Toledo, OH	2.0	1.0	1499	$685	$0.46	22d	1	1.13mi
912 Willow Ave Toledo, OH	1.0	1.0	900	$850	$0.94	45d	1	1.13mi
1306 Mott Ave Toledo, OH	3.0	1.5	1282	$1,149	$0.90	45d	1	1.13mi
414 Platt St Unit ST-3 Toledo, OH	3.0	1.0	1500	$1,150	$0.77	24d	1	1.13mi
414 Platt St Unit ST-1 Toledo, OH	1.0	1.0	800	$800	$1.00	45d	1	1.13mi
1305 Mott Ave Toledo, OH	3.0	1.0	1080	$1,000	$0.93	45d	1	1.15mi
451 5th St Apt 1 Toledo, OH	1.0	1.0	850	$650	$0.76	45d	1	1.19mi
2750 Pickle Rd Oregon, OH	2.0	1.0	800	$953	$1.19	15d	1	1.19mi
2750 Pickle Rd Oregon, OH	2.0	1.0	800	$1,434	$1.79	24d	1	1.19mi
946 Butler St Toledo, OH	2.0	1.0	944	$650	$0.69	45d	1	1.21mi
128 Carbon St Toledo, OH	3.0	1.0	1113	$1,200	$1.08	24d	1	1.22mi
1537 Carlyle St Toledo, OH	2.0	1.0	800	$800	$1.00	24d	1	1.23mi
537 Potter St Toledo, OH	1.0	1.0	1000	$600	$0.60	45d	1	1.25mi
537 Potter St Toledo, OH	2.0	1.0	1200	$625	$0.52	24d	1	1.25mi
2337 Burnside Ave Oregon, OH	2.0	1.0	1025	$1,150	$1.12	15d	1	1.28mi
3101 Navarre Ave Oregon, OH	1.0	1.0	707	$825	$1.17	15d	1	1.29mi
2401 Burnside Ave Oregon, OH	2.0	1.0	1025	$1,150	$1.12	15d	1	1.30mi

Listing history 12 events

1. 2026-05-13
   status Pending 488-char remark
2. 2026-05-11
   price $12,900 218-char remark

   Show marketing remark (218 chars)

   1.5-sty traditional with 2 bedrooms. Formal living room and dining room have hardwood floors. Family room with attached half bath. Privacy fenced yard. Deck. 2 car detached garage. Lots of potential with a little work!

3. 2026-05-01
   listed $85,000 Active 488-char remark
4. 2026-04-29
   historical $85,000 488-char remark
5. 2025-10-14
   price $56,500

   Show marketing remark (262 chars)

   Must see this home, lots of newers. Remodeled kitchen with new cabinets and counter tops. Ceramic back splash. Hardwood flooring in DR and new carpeting throughout. Family room could be converted to 3rd bedroom. Nice 2.5 car garage. Much more...call for details.

6. 2015-01-09
   soldstatus $13,323 218-char remark

   Show marketing remark (218 chars)

   1.5-sty traditional with 2 bedrooms. Formal living room and dining room have hardwood floors. Family room with attached half bath. Privacy fenced yard. Deck. 2 car detached garage. Lots of potential with a little work!

7. 2014-12-30
   price $13,323 218-char remark

   Show marketing remark (218 chars)

   1.5-sty traditional with 2 bedrooms. Formal living room and dining room have hardwood floors. Family room with attached half bath. Privacy fenced yard. Deck. 2 car detached garage. Lots of potential with a little work!

8. 2014-10-01
   listed $12,900 218-char remark

   Show marketing remark (218 chars)

   1.5-sty traditional with 2 bedrooms. Formal living room and dining room have hardwood floors. Family room with attached half bath. Privacy fenced yard. Deck. 2 car detached garage. Lots of potential with a little work!

9. 2007-12-04
   soldstatus $56,500
10. 2007-11-30
    soldstatus $56,500

    Show marketing remark (262 chars)

    Must see this home, lots of newers. Remodeled kitchen with new cabinets and counter tops. Ceramic back splash. Hardwood flooring in DR and new carpeting throughout. Family room could be converted to 3rd bedroom. Nice 2.5 car garage. Much more...call for details.

11. 2007-06-13
    listed $57,900

    Show marketing remark (262 chars)

    Must see this home, lots of newers. Remodeled kitchen with new cabinets and counter tops. Ceramic back splash. Hardwood flooring in DR and new carpeting throughout. Family room could be converted to 3rd bedroom. Nice 2.5 car garage. Much more...call for details.

12. 2002-04-16
    soldstatus $50,000

ⓘ 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: $1,542 · $128/mo
• Projected year-2 tax: $1,542 · $128/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,197
• − Mortgage interest: −$4,761
• − Property taxes: −$1,542
• − Insurance: −$425
• − Repairs & maintenance: −$976
• − Management: −$976
• − Depreciation: −$2,473
• Taxable income: $1,045
• Est. tax owed @ 24.0%: −$251
• After-tax cash flow: $2,069/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 24,441
• Household income: $39,118
• Rent vs Own: 51.9% rent · 48.1% own
• Severe rent burden: 1257.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 57% Hispanic / Latino 21% Black 14% Two or more races 14%
• Hispanic origin (detail): Mexican 17% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7% Arabic 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.85%
• Current HPI: 138.6894
• Rent YoY: ▲ 5.37%
• Metro: Toledo, 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

+90.0% since first listed

13 events — show timeline

• 2026-06-12 Sold (MLS) $95,000 NORIS
• 2026-05-13 Pending — NORIS
• 2026-05-11 Price Changed $12,900 NORIS
• 2026-05-01 Listed $85,000 NORIS
• 2026-04-29 Coming Soon $85,000 NORIS
• 2025-10-14 Price Changed $56,500 NORIS
• 2015-01-09 Sold (MLS) $13,323 NORIS
• 2014-12-30 Price Changed $13,323 NORIS
• 2014-10-01 Listed $12,900 NORIS
• 2007-12-04 Sold (Public Records) $56,500 Public Records
• 2007-11-30 Sold (MLS) $56,500 NORIS
• 2007-06-13 Listed $57,900 NORIS
• 2002-04-16 Sold (Public Records) $50,000 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,542 · +0.6% YoY. Source: county tax records.