520 Sunset Dr · Hubbard, OH 44425

$100,000

3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 3 Days on market

Built 1958 7,853 sqft lot $95/sqft · 36% below area Est $156k · 36% under

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +13.2/30.0
• Schools +4.8/10.0
• 1% rule +4.2/10.0
• DSCR +4.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

3 Bedroom/1 Full Bath home in Hubbard.

Key facts

• 7,853 sq ft lot
• 2 garage spots
• Built 1958

Property features AI

Finance

• Financial info: Annual taxes listed for 2025

Exterior

• Parking: Detached garage; 2-car garage
• Utilities: Public water
• Home design: Single-story home; 1 story total; Shingle roof
• Construction: Vinyl and wood siding; Built per public records
• Exterior features: Lot about 0.18 acres; Public sewer

Interior

• Bedrooms: 3 main-level bedrooms
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Baseboard heating
• Interior features: 5 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $-2 ($-26/yr) — negative.
• To cash-flow at today's rent, offer at most $100k (0.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $92k (8.5% below list).
• Recommended offer: $92k (8.5% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 3.3% in Hubbard — 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 70/100 on livability (#473 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, schools A-; Watch: amenities F, commute F, health & safety F.
• Hubbard Exempted Village (suburban): math 54% / reading 60% proficiency, ranked #346 of 656 in OH (top 53%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 62 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).
• This rent is only 18% of the median local income ($62k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $85k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $91,500 (8.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.92% ✗
• Cap rate: 6.27%
• Cash-on-cash: -0.09%
• DSCR: 1.00
• GRM: 9.1

CMA / ARV

• ARV (median comp): $156,480
• List price: $100,000
• Delta: -36.09%
• 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
520 Sunset Dr	0.00mi	3/1.0	1,056 (0%)	1mo	$85,000	$80	99
462 Elizabeth St	0.20mi	3/2.0	1,056 (0%)	6mo	$170,000	$161	82
513 E Park Ave	0.12mi	3/1.5	1,025 (-3%)	11mo	$154,000	$150	78
239 Princeton Ave	0.23mi	3/1.0	960 (-9%)	1mo	$125,000	$130	74
742 Dresden Dr	0.60mi	3/2.0	1,056 (0%)	6mo	$201,000	$190	63
1119 Doris Dr	0.62mi	3/1.0	1,056 (0%)	10mo	$161,000	$152	63
1145 Doris Dr	0.66mi	3/1.0	994 (-6%)	4mo	$135,600	$136	56
868 Saul Dr	0.63mi	3/1.0	960 (-9%)	3mo	$140,000	$146	54
890 E Liberty St	0.58mi	3/1.0	978 (-7%)	11mo	$103,000	$105	51
28 Spring St	0.53mi	2/2.0 (-1)	1,108 (+5%)	8mo	$126,000	$114	51
28 Elmwood Dr	0.39mi	3/1.0	1,212 (+15%)	12mo	$160,000	$132	47
274 W Park Ave	0.66mi	2/1.5 (-1)	1,124 (+6%)	13mo	$129,000	$115	41

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: -16.4%
• Equity multiple: 0.42×
• Total profit: $-16,305
• Equity at exit: $14,910

10-year hold

• IRR: -8.1%
• Equity multiple: 0.49×
• Total profit: $-14,232
• Equity at exit: $8,646

Cash invested: $28,000 (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.

Methodology + full state rankings →

ZIP-level market 44425

• Home prices YoY: -25.2%
• Active inventory: 62
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $915 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$159 /mo · $1,907/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$192
• Net cashflow: $-2

Break-even live

Break-even rent $918

Max offer price $99,624

Occupancy floor 95%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
157 Youngstown Hubbard Rd Hubbard, OH	1.0–2.0	1.0	888	$915	$1.03	13d	1	1.43mi

Listing history 3 events

1. 2026-05-05
   status Pending 38-char remark
2. 2026-05-02
   listed $100,000 Active 38-char remark
3. 2017-08-25
   soldstatus $49,900

ⓘ 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: $1,907 · $159/mo
• Projected year-2 tax: $1,907 · $159/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 ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,980
• − Mortgage interest: −$5,602
• − Property taxes: −$1,907
• − Insurance: −$500
• − Repairs & maintenance: −$878
• − Management: −$878
• − Depreciation: −$2,909
• Taxable loss: −$1,694
• Est. tax savings @ 24.0%: +$407
• After-tax cash flow: $381/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: Hubbard Exempted Village
• NCES district ID: 3904542
• Math proficiency: 54% ▼ -19.00%
• Reading proficiency: 60% ▼ -12.00%
• Median HH income: $45,623
• Composite: 48.15/100
• National rank: #2179
• State rank: #346 of 656 in OH

Livability — Hubbard

• Score: 70/100
• State rank: #473
• US rank: #7892

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hubbard, OH
• County: Trumbull · 193,293 people
• City population: 13,329
• Metro: Youngstown-Warren, OH
• Population (ZIP): 13,329
• Household income: $62,287
• Rent vs Own: 18.6% rent · 81.4% own
• Severe rent burden: 11.1

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Hispanic / Latino 3% Black 3% Two or more races 2%
• Common ancestry: Romanian 4% Slovak 2% Scandinavian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.06%
• Current HPI: 201.5984
• 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

+70.3% since first listed

4 events — show timeline

• 2026-05-29 Sold (MLS) $85,000 MLSNOW
• 2026-05-05 Pending — MLSNOW
• 2026-05-02 Listed $100,000 MLSNOW
• 2017-08-25 Sold (Public Records) $49,900 Public Records

Property tax history

+10.4%/yr

Latest (2025): $1,907 · +1.8% YoY. Source: county tax records.