90820 Jewett Germano Rd · Jewett, OH 43986

$8,500

3 bd · 2.0 ba · 1,328 sqft · SingleFamily public records · 11 Days on market

Built 1943 0.25 ac lot ↓ 51% since listing

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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 +15.0/30.0
• Appreciation +7.9/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.6/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Home offers two bedrooms and one bathroom on a 0.25-acre lot. Home features a first-floor laundry.

Key facts

• First-floor laundry
• 0.25 acre lot
• Parking

Tags

• FIRST-FLOOR LAUNDRY

Property features AI

Finance

• Financial info: Annual tax amount reported

Exterior

• Parking: Driveway
• Utilities: Well water; Septic tank
• Home design: Single-story; Vinyl siding; Shingle roof; Above-grade finished living area approximately 1,328
• Construction: Built according to public records; Vinyl siding construction; Shingle roof
• Exterior features: Quarter-acre lot

Interior

• Bedrooms: 3 main-level bedrooms
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air heating
• Interior features: Partial basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $8k.

Deal economics

• At list price, monthly cash flow is $878 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $8k).

Location & tenants

• Location reads 56/100 on livability (#1,117 in OH) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D, schools F, amenities F.
• Harrison Hills City (rural): math 35% / reading 51% proficiency, ranked #522 of 656 in OH (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 6 active listings in the ZIP; solid renter incomes; 1 units permitted in Harrison County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $553 of equity ($59 loan paydown + $494 appreciation (5.8% local appreciation)).
• Harrison County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.8% appreciation + 3.0% rent growth), your $2k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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: property tax is 4.1% of price; built in 1943 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $8,500

Questions for the listing agent

1. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
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: 14.22% ✓
• Cap rate: 130.22%
• Cash-on-cash: 442.59%
• DSCR: 20.69
• GRM: 0.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

5.81% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 25.49×
• Total profit: $58,295
• Equity at exit: $5,242

10-year hold

• IRR: —
• Equity multiple: 54.69×
• Total profit: $127,781
• Equity at exit: $9,419

Cash invested: $2,380 (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 43986

• Home prices YoY: 3.0%
• Active inventory: 6
• Price-to-rent: 0.6×

Monthly cashflow live

• Estimated rent: $1,209 medium
• Mortgage (P&I): −$45
• Tax from tax record: −$29 /mo · $346/yr
• Insurance: −$4
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $878

Break-even live

Break-even rent $97

Max offer price $8,500

Occupancy floor 22%

Sensitivity live

Price	-10% $883	-5% $880	+0% $878	+5% $875	+10% $873
Rent	-10% $782	-5% $830	+0% $878	+5% $926	+10% $973
Rate	-1.0pp $882	-0.5pp $880	base $878	+0.5pp $876	+1.0pp $873

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: $2,125
• Closing costs: $255
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-06-21
   statusdays on market $8,500 Contingent 11 DOM
2. 2026-06-18
   days on market $8,500 Active 9 DOM
3. 2026-06-17
   days on market $8,500 Active 8 DOM
4. 2026-06-16
   days on market $8,500 Active 7 DOM
5. 2026-06-15
   days on market $8,500 Active 6 DOM
6. 2026-06-13
   days on market $8,500 Active 4 DOM
7. 2026-06-12
   days on market $8,500 Active 3 DOM
8. 2026-06-09
   pricedays on marketlisting id $8,500 Active 1 DOM
9. 2026-06-01
   days on market $9,900 Active 88 DOM
10. 2026-05-31
    days on market $9,900 Active 87 DOM
11. 2026-05-11
    price $9,900 98-char remark
12. 2026-04-04
    price $12,500 98-char remark
13. 2026-03-03
    listed $17,500 Active 98-char remark

ⓘ 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: $346 · $29/mo
• Projected year-2 tax: $346 · $29/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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,502
• − Mortgage interest: −$476
• − Property taxes: −$346
• − Insurance: −$42
• − Repairs & maintenance: −$1,160
• − Management: −$1,160
• − Depreciation: −$247
• Taxable income: $11,070
• Est. tax owed @ 24.0%: −$2,657
• After-tax cash flow: $7,877/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: Harrison Hills City
• NCES district ID: 3904524
• Math proficiency: 35% ▼ -24.00%
• Reading proficiency: 51% ▼ -12.00%
• Median HH income: $39,642
• Composite: 35.93/100
• National rank: #4803
• State rank: #522 of 656 in OH

Livability — Jewett

• Score: 56/100
• State rank: #1117
• US rank: #22845

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Harrison · 13,333 people
• Population (ZIP): 1,657
• Household income: $75,750
• Rent vs Own: 16.6% rent · 83.4% own
• Severe rent burden: 4.8

Population outlook (Harrison County) Hauer SSP2

• Today (2025): 14,537 people
• By 2030: 13,961 · -4.0%
• By 2040: 12,753 · -12.3%
• By 2050: 11,607 · -20.2%
• By 2075: 9,299 · -36.0%
• By 2100: 7,447 · -48.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Romanian 5% Iranian 3% Serbian 1%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Harrison

• 2024 margin: Solid R (+55.2) · D 21.9% · R 77.1%
• 2008→2024 swing: -52.8pp toward R · 2008: -2.4pp · 2024: -55.2pp
• All cycles: 2024: R+55.2 2020: R+52.6 2016: R+48.3 2012: R+14.9 2008: R+2.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.81%
• Current HPI: 200.6668
• 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

-51.4% since first listed

6 events — show timeline

• 2026-06-19 Contingent — MLSNOW
• 2026-06-08 Listed $8,500 MLSNOW
• 2026-06-01 Listing Removed — MLSNOW
• 2026-05-11 Price Changed $9,900 MLSNOW
• 2026-04-04 Price Changed $12,500 MLSNOW
• 2026-03-03 Listed $17,500 MLSNOW

Property tax history

+25.6%/yr

Latest (2025): $346 · +908.2% YoY. Source: county tax records.