2526 Stocker Ave · Youngstown, OH 44505

$134,900

2 bd · 1.0 ba · 1,551 sqft · SingleFamily public records · 16 Days on market

Built 1955 0.31 ac lot Est $99k · 36% over

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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).

• Cash flow +20.5/30.0
• DSCR +6.5/10.0
• 1% rule +4.3/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 2526 Stocker Ave. this lovely cape cod home on the east side of Youngstown has over 1,500 sqft of living space with 4 bedrooms! The home sits on a generous size lot, the property line goes all the way back to the tree line in back yard. The house also features a new roof and gutters put on in 2019. This home needs some cosmetic work but could be a great home for a first time home buyer or investor. Schedule your showing today!

Key facts

• Mounted tv
• New flooring
• Custom feature wall

Tags

• FULL VIEW STORM DOOR
• CUSTOM FEATURE WALL
• BRAND NEW ELECTRIC FIREPLACE
• MOUNTED TV
• NEW FLOORING
• RECESSED LIGHTING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $177 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (7.1% below list).
• Recommended offer: $125k (7.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Youngstown City (urban): math 8% / reading 17% proficiency, ranked #649 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 83 active listings in the ZIP; 2 comparable units currently listed for rent nearby; lower-income renter base — watch delinquency; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• This rent runs 41% of the median local income ($36k/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 $933 of loan paydown is wiped out by about $4k 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 16 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 23y 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 $65k; list at $135k implies a 108% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $125,361 (7.1% below list)

Questions for the listing agent

1. Built in 1955 — 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. 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?
4. 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?
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: 0.93% ✗
• Cap rate: 7.87%
• Cash-on-cash: 5.62%
• DSCR: 1.25
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $99,264
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2337 Bott St	0.72mi	3/2.0 (+1)	1,528 (-2%)	10mo	$91,000	$60	46
206 Beachwood Dr	0.71mi	3/2.5 (+1)	1,638 (+6%)	2mo	$225,000	$137	45
1153 Kenneth St	0.67mi	3/2.0 (+1)	1,564 (+1%)	17mo	$105,000	$67	44
405 Drake Ave	0.75mi	3/1.0 (+1)	1,373 (-12%)	5mo	$34,000	$25	37
450 Drake Ave	0.75mi	3/1.0 (+1)	1,432 (-8%)	20mo	$92,000	$64	30

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: -7.6%
• Equity multiple: 0.72×
• Total profit: $-10,649
• Equity at exit: $20,114

10-year hold

• IRR: 1.9%
• Equity multiple: 1.13×
• Total profit: $5,013
• Equity at exit: $11,664

Cash invested: $37,772 (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 44505

• Home prices YoY: -14.5%
• Active inventory: 83
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,254 medium
• Mortgage (P&I): −$707
• Tax from tax record: −$50 /mo · $598/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $177

Break-even live

Break-even rent $1,030

Max offer price $134,900

Occupancy floor 81%

Sensitivity live

Price	-10% $253	-5% $215	+0% $177	+5% $139	+10% $101
Rent	-10% $78	-5% $127	+0% $177	+5% $226	+10% $276
Rate	-1.0pp $245	-0.5pp $211	base $177	+0.5pp $142	+1.0pp $106

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: $33,725
• Closing costs: $4,047
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
821 Colby Ave Youngstown, OH	3.0	1.0	1512	$1,300	$0.86	22d	1	0.42mi
114 Gluck St Youngstown, OH	1.0–3.0	1.0–1.5	1075	$1,062	$0.99	15d	1	1.22mi

Listing history 11 events

1. 2026-04-10
   status Pending
2. 2026-04-07
   price $134,900
3. 2026-03-25
   listed $139,900 Active
4. 2025-10-14
   status Pending 442-char remark

   Show marketing remark (442 chars)

   Welcome to 2526 Stocker Ave. this lovely cape cod home on the east side of Youngstown has over 1,500 sqft of living space with 4 bedrooms! The home sits on a generous size lot, the property line goes all the way back to the tree line in back yard. The house also features a new roof and gutters put on in 2019. This home needs some cosmetic work but could be a great home for a first time home buyer or investor. Schedule your showing today!

5. 2025-10-07
   soldstatus $65,000 Closed 442-char remark

   Show marketing remark (442 chars)

   Welcome to 2526 Stocker Ave. this lovely cape cod home on the east side of Youngstown has over 1,500 sqft of living space with 4 bedrooms! The home sits on a generous size lot, the property line goes all the way back to the tree line in back yard. The house also features a new roof and gutters put on in 2019. This home needs some cosmetic work but could be a great home for a first time home buyer or investor. Schedule your showing today!

6. 2025-08-02
   historical Contingent 442-char remark

   Show marketing remark (442 chars)

   Welcome to 2526 Stocker Ave. this lovely cape cod home on the east side of Youngstown has over 1,500 sqft of living space with 4 bedrooms! The home sits on a generous size lot, the property line goes all the way back to the tree line in back yard. The house also features a new roof and gutters put on in 2019. This home needs some cosmetic work but could be a great home for a first time home buyer or investor. Schedule your showing today!

7. 2025-07-31
   listed $65,000 Active 442-char remark

   Show marketing remark (442 chars)

   Welcome to 2526 Stocker Ave. this lovely cape cod home on the east side of Youngstown has over 1,500 sqft of living space with 4 bedrooms! The home sits on a generous size lot, the property line goes all the way back to the tree line in back yard. The house also features a new roof and gutters put on in 2019. This home needs some cosmetic work but could be a great home for a first time home buyer or investor. Schedule your showing today!

8. 2004-04-05
   soldstatus $12,000
9. 2003-10-08
   historical
10. 2003-04-08
    listed $25,900
11. 1989-12-18
    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 OH · Partial reset (capped growth)

• Current annual tax: $598 · $50/mo
• Projected year-2 tax: $1,351 · $113/mo
• Expected delta: +$753/yr (+$63/mo · 125.9%)

ⓘ 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 2/10 Low 6 d/yr ≥97°F today · 15 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: $15,043
• − Mortgage interest: −$7,556
• − Property taxes: −$598
• − Insurance: −$674
• − Repairs & maintenance: −$1,203
• − Management: −$1,203
• − Depreciation: −$3,924
• Taxable loss: −$117
• Est. tax savings @ 24.0%: +$28
• After-tax cash flow: $2,151/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: Youngstown City
• NCES district ID: 3904516
• Math proficiency: 8% ▼ -15.00%
• Reading proficiency: 17% ▼ -10.00%
• Median HH income: $25,257
• Composite: 9.29/100
• National rank: #9858
• State rank: #649 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Youngstown, OH
• County: Mahoning · 224,175 people
• City population: 28,503
• Metro: Youngstown-Warren, OH
• Population (ZIP): 16,449
• Household income: $36,480
• Rent vs Own: 47.5% rent · 52.5% own
• Severe rent burden: 10.8

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: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 37% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 10%
• Common ancestry: Romanian 2% Scotch-Irish 1%
• Foreign-born: 3% · Canada
• Languages at home: 88% English-only · Spanish 9% Arabic 1% French/Haitian/Cajun 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: ▼ -32.64%
• Current HPI: 192.3375
• 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

+513.2% since first listed

11 events — show timeline

• 2026-04-10 Pending — MLSNOW
• 2026-04-07 Price Changed $134,900 MLSNOW
• 2026-03-25 Listed $139,900 MLSNOW
• 2025-10-14 Pending — MLSNOW
• 2025-10-07 Sold (MLS) $65,000 MLSNOW
• 2025-08-02 Contingent — MLSNOW
• 2025-07-31 Listed $65,000 MLSNOW
• 2004-04-05 Sold (Public Records) $12,000 Public Records
• 2003-10-08 Listing Removed — MLSNOW
• 2003-04-08 Listed $25,900 MLSNOW
• 1989-12-18 Sold (Public Records) $22,000 Public Records

Property tax history

+1.3%/yr

Latest (2025): $598 · -11.8% YoY. Source: county tax records.