127 134th St · Chesapeake, WV 25315

$150,000

2 bd · 1.0 ba · 1,484 sqft · SingleFamily public records · 6 Days on market

Built 1957 7,405 sqft lot Est $156k · at est.

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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 +11.5/30.0
• ARV discount +9.2/15.0
• Appreciation +4.4/10.0
• DSCR +3.4/10.0
• Livability +3.2/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0

Listing remarks MLS

Investors dream ~ a little TLC needed on this 3-bedroom 2 bath home. Large master bedroom with nice master bath. Nice flow to main level 17x13 family room & living room, eat-in kitchen, 2 bedrooms on main level, and large utility room off kitchen. Detached storage shed in back yard. Cash or Rehab loan only.

Key facts

• Modern updates
• Updated home
• Flat yard

Tags

• UPDATED HOME
• FLAT YARD
• MODERN UPDATES
• CONVENIENTLY LOCATED

Property features AI

Exterior

• Parking: Parking pad
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family residential; Frame construction with vinyl siding
• Construction: Metal roof
• Exterior features: Patio

Interior

• Kitchen: Dishwasher; Electric range; Microwave
• Bedrooms: Total of 7 rooms (includes bedrooms and living spaces)
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioning; Electric forced-air heating
• Interior features: Eat-in kitchen; Insulated windows

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-117 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $129k (13.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $108k (28.3% below list).
• Recommended offer: $108k (28.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#155 in WV) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: amenities F, commute F, employment D-.
• Kanawha County Schools (suburban): math 29% / reading 40% proficiency, ranked #17 of 55 in WV (top 31%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Chesapeake Elementary School (math 24% / reading 24%, grade F, #287 of 377 statewide, top 85%, 115 students, 0% FRL); East Bank Middle School (math 21% / reading 29%, grade F, #81 of 109 statewide, top 76%, 254 students, 0% FRL); Riverside High School (math 17% / reading 47%, grade F, #55 of 110 statewide, top 59%, 1,220 students, 0% FRL) — zoned schools average 0% FRL vs 46% district-wide (46 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 7 active listings in the ZIP; 103 units permitted in Kanawha County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.2%/yr); year-one equity from $1k of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Kanawha County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 2y 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 $42k; list at $150k implies a 257% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 8→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $107,527 (28.3% 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 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.72% ✗
• Cap rate: 5.89%
• Cash-on-cash: -1.44%
• DSCR: 0.94
• GRM: 11.6

CMA / ARV

• ARV (on-the-fly): $155,820
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13510 Gatewood Ave	0.14mi	2/1.0	1,281 (-14%)	2mo	$135,000	$105	69
127 134th St	0.00mi	3/2.0 (+1)	1,703 (+15%)	23mo	$42,000	$25	48

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-1.18% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.2%
• Equity multiple: 0.52×
• Total profit: $-20,008
• Equity at exit: $34,889

10-year hold

• IRR: -4.3%
• Equity multiple: 0.61×
• Total profit: $-16,170
• Equity at exit: $35,523

Cash invested: $42,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 25315

• Home prices YoY: -0.7%
• Active inventory: 7
• Price-to-rent: 11.6×

Monthly cashflow live

• Estimated rent: $1,075 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$51 /mo · $610/yr
• Insurance: −$62
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $-117

Break-even live

Break-even rent $1,223

Max offer price $129,346

Occupancy floor —

Sensitivity live

Price	-10% $-32	-5% $-74	+0% $-117	+5% $-159	+10% $-202
Rent	-10% $-202	-5% $-159	+0% $-117	+5% $-74	+10% $-32
Rate	-1.0pp $-41	-0.5pp $-79	base $-117	+0.5pp $-156	+1.0pp $-195

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-19
   days on market $150,000 Active 6 DOM
2. 2026-06-18
   days on market $150,000 Active 5 DOM
3. 2026-06-17
   days on market $150,000 Active 4 DOM
4. 2026-06-16
   days on market $150,000 Active 3 DOM
5. 2026-06-15
   days on market $150,000 Active 2 DOM
6. 2026-06-14
   remarks 342-char remark
7. 2026-06-14
   listed $150,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WV · Resets to sale price

• Current annual tax: $610 · $51/mo
• Projected year-2 tax: $885 · $74/mo
• Expected delta: +$275/yr (+$23/mo · 45.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 8 d/yr ≥100°F today · 22 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,903
• − Mortgage interest: −$8,402
• − Property taxes: −$610
• − Insurance: −$1,547
• − Repairs & maintenance: −$1,032
• − Management: −$1,032
• − Depreciation: −$4,364
• Taxable loss: −$4,084
• Est. tax savings @ 24.0%: +$980
• After-tax cash flow: $-423/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: Kanawha County Schools
• NCES district ID: 5400600
• Math proficiency: 29% ▼ -13.00%
• Reading proficiency: 40% ▼ -7.00%
• Median HH income: $44,329
• Composite: 29.35/100
• National rank: #6540
• State rank: #17 of 55 in WV

Livability — Chesapeake

• Score: 63/100
• State rank: #155
• US rank: #14916

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chesapeake, WV
• Population (ZIP): 3,227

Population outlook (Kanawha County) Hauer SSP2

• Today (2025): 178,946 people
• By 2030: 172,906 · -3.4%
• By 2040: 159,874 · -10.7%
• By 2050: 148,148 · -17.2%
• By 2075: 123,257 · -31.1%
• By 2100: 96,454 · -46.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Black 2%
• Common ancestry: Slovak 1% Iranian 1% Lithuanian 1%
• Foreign-born: 0%

Political lean MEDSL · Kanawha

• 2024 margin: R (+17.4) · D 40.2% · R 57.6% · Other 2.2%
• 2008→2024 swing: -17.0pp toward R · 2008: -0.4pp · 2024: -17.4pp
• All cycles: 2024: R+17.4 2020: R+14.7 2016: R+20.6 2012: R+11.9 2008: R+0.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.18%
• Current HPI: 165.0619
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+417.2% since first listed

8 events — show timeline

• 2026-06-12 Listed $150,000 KVBOR
• 2025-09-10 Price Changed $157,500 KVBOR
• 2025-09-03 Listed $165,000 KVBOR
• 2024-07-29 Sold (MLS) $42,000 KVBOR
• 2024-07-15 Pending — KVBOR
• 2024-07-10 Price Changed $49,900 KVBOR
• 2024-03-26 Listed $54,900 KVBOR
• 1999-09-15 Sold (Public Records) $29,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $610 · +0.0% YoY. Source: county tax records.