610 Elm St · Struthers, OH 44471

$111,900

2 bd · 1.0 ba · 768 sqft · SingleFamily public records · 22 Days on market

Built 1954 5,227 sqft lot Est $109k · at est.

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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 +21.6/30.0
• DSCR +6.9/10.0
• ARV discount +6.3/15.0
• 1% rule +5.0/10.0
• Schools +4.0/10.0
• Livability +3.6/5.0
• Appreciation +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

Key facts

• Double garage
• Remodeled kitchen
• Brand new flooring

Tags

• BRAND NEW FLOORING
• REMODELED KITCHEN
• FIRST-FLOOR LAUNDRY
• NEWLY RENOVATED BATHROOM
• DOUBLE GARAGE
• ACCESS TO LOCAL AMENITIES

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $112k.

Deal economics

• At list price, monthly cash flow is $171 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $112k).
• Recommended offer: $110k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.1% vs local median 6.4% in Struthers — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 71/100 on livability (#418 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: commute C-, amenities F, employment F.
• Struthers City (suburban): math 45% / reading 52% proficiency, ranked #475 of 656 in OH (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 66 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $774 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 25y 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.
• Current owner paid $33k; list at $112k implies a 238% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $110,221 (1.5% below list)

Questions for the listing agent

1. Built in 1954 — 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 B-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: 1.00% ✓
• Cap rate: 8.12%
• Cash-on-cash: 6.53%
• DSCR: 1.29
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $109,056
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
610 Elm St	0.00mi	3/1.0 (+1)	768 (0%)	1mo	$109,000	$142	94
608 Maplewood Ave	0.08mi	3/1.0 (+1)	864 (+12%)	6mo	$120,000	$139	66
521 6th St	0.43mi	2/2.0	750 (-2%)	9mo	$119,900	$160	64
3629 Irma St	0.64mi	3/1.0 (+1)	784 (+2%)	3mo	$93,000	$119	60
1634 Meadowbrook Ave	0.59mi	2/1.0	824 (+7%)	1mo	$118,000	$143	59

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: -6.3%
• Equity multiple: 0.77×
• Total profit: $-7,286
• Equity at exit: $16,685

10-year hold

• IRR: 3.3%
• Equity multiple: 1.24×
• Total profit: $7,572
• Equity at exit: $9,675

Cash invested: $31,332 (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 44471

• Home prices YoY: -1.5%
• Active inventory: 66
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,123 high
• Mortgage (P&I): −$587
• Tax from tax record: −$83 /mo · $998/yr
• Insurance: −$47
• HOA: −$0
• Vacancy / Maint / Mgmt: −$236
• Net cashflow: $171

Break-even live

Break-even rent $907

Max offer price $111,900

Occupancy floor 80%

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: $27,975
• Closing costs: $3,357
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
610 Elm St Struthers, OH	3.0	1.0	1050	$1,500	$1.43	13d	1	0.03mi
2002 Brownlee Ave Youngstown, OH	1.0	1.0	820	$875	$1.07	44d	1	0.28mi
61 Crescent Dr Struthers, OH	2.0	1.0	670	$650	$0.97	13d	1	0.28mi
2523 E Midlothian Blvd Apt 5 Struthers, OH	2.0	1.0	750	$800	$1.07	13d	1	0.37mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	44d	1	0.54mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	44d	1	0.64mi
2063 Wolosyn Cir Unit 1 Poland, OH	1.0	1.5	705	$800	$1.13	21d	1	1.08mi
834 E Midlothian Blvd Youngstown, OH	1.0	1.0	708	$750	$1.06	13d	1	1.50mi

Listing history 15 events

1. 2026-04-20
   status Pending
2. 2026-04-06
   status Active
3. 2026-02-13
   status Pending
4. 2026-02-04
   listed $111,900 Active
5. 2016-03-31
   soldstatus $33,110 Sold 239-char remark

   Show marketing remark (239 chars)

   Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

6. 2016-03-23
   status Pending 239-char remark

   Show marketing remark (239 chars)

   Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

7. 2016-03-12
   historical Contingent 239-char remark

   Show marketing remark (239 chars)

   Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

8. 2016-02-13
   price $32,900 239-char remark

   Show marketing remark (239 chars)

   Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

9. 2016-01-22
   listed $33,000 Active 239-char remark

   Show marketing remark (239 chars)

   Nice 3 bedroom on nice street in Struthers, recent new roof and carpet and tile are in great shape. Large garage with fenced in yard will make great first home or investment. Priced way below tax value, make your appointment now to see it!

10. 2013-06-27
    historical
11. 2012-06-28
    listed $69,900
12. 2006-08-06
    historical
13. 2006-02-06
    listed $82,000
14. 2001-09-20
    soldstatus $65,000
15. 2001-04-17
    listed $66,000

ⓘ 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: $998 · $83/mo
• Projected year-2 tax: $1,372 · $114/mo
• Expected delta: +$374/yr (+$31/mo · 37.4%)

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

Taxation est. · year 1

• Rental income: $13,476
• − Mortgage interest: −$6,268
• − Property taxes: −$998
• − Insurance: −$560
• − Repairs & maintenance: −$1,078
• − Management: −$1,078
• − Depreciation: −$3,255
• Taxable income: $239
• Est. tax owed @ 24.0%: −$57
• After-tax cash flow: $1,990/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: Struthers City
• NCES district ID: 3904485
• Math proficiency: 45% ▼ -12.00%
• Reading proficiency: 52% ▼ -8.00%
• Median HH income: $37,753
• Composite: 40.35/100
• National rank: #3742
• State rank: #475 of 656 in OH

Livability — Struthers

• Score: 71/100
• State rank: #418
• US rank: #6867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Struthers, OH
• County: Mahoning · 224,175 people
• City population: 10,296
• Metro: Youngstown-Warren, OH
• Population (ZIP): 10,296
• Household income: $52,811
• Rent vs Own: 31.2% rent · 68.8% own
• Severe rent burden: 12.2

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Romanian 8% Lithuanian 4% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4% Arabic 1% Other Indo-European 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -4.12%
• Current HPI: 274.6394
• 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

+69.5% since first listed

15 events — show timeline

• 2026-04-20 Pending — MLSNOW
• 2026-04-06 Relisted — MLSNOW
• 2026-02-13 Pending — MLSNOW
• 2026-02-04 Listed $111,900 MLSNOW
• 2016-03-31 Sold (MLS) $33,110 MLSNOW
• 2016-03-23 Pending — MLSNOW
• 2016-03-12 Contingent — MLSNOW
• 2016-02-13 Price Changed $32,900 MLSNOW
• 2016-01-22 Listed $33,000 MLSNOW
• 2013-06-27 Listing Removed — MLSNOW
• 2012-06-28 Listed $69,900 MLSNOW
• 2006-08-06 Listing Removed — MLSNOW
• 2006-02-06 Listed $82,000 MLSNOW
• 2001-09-20 Sold (Public Records) $65,000 Public Records
• 2001-04-17 Listed $66,000 MLSNOW

Property tax history

+6.5%/yr

Latest (2025): $998 · -0.0% YoY. Source: county tax records.