137 Oak St · Weirton, WV 26062

$159,900

3 bd · 2.0 ba · 1,590 sqft · SingleFamily public records · 38 Days on market

Built 1952 0.27 ac lot Est $183k · 13% 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).

• Cash flow +15.7/30.0
• ARV discount +13.1/15.0
• DSCR +4.8/10.0
• Livability +3.5/5.0
• Schools +3.4/10.0
• 1% rule +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Brick home situated on 2 lots totaling over a quarter acre, offering plenty of room to roam inside and out! This charming 4-bedroom home features a formal dining area, spacious living areas, and a kitchen with ample cabinet and counter space. The full basement provides endless possibilities for storage, recreation, or additional living space. A 1-car garage adds convenience, while the large yard offers room for outdoor enjoyment. Don’t miss your chance to make this charming home your very own!

Key facts

• Large yard
• Full basement
• Brick home

Tags

• BRICK HOME
• FORMAL DINING AREA
• SPACIOUS LIVING AREAS
• FULL BASEMENT
• LARGE YARD

Property features AI

Finance

• Financial info: Annual taxes reported (2025)

Exterior

• Parking: Detached or attached garage with 1 garage space; Garage parking
• Utilities: Public water; Public sewer
• Home design: Single-story home; Shingle roof; Above-grade finished living area approximately 1,590 (public records)
• Construction: Brick construction; Shingle roof; Built (year per public records)
• Exterior features: Brick exterior

Interior

• Bedrooms: 1 bedroom on the main level
• Bathrooms: 3 full bathrooms (2 on the main level)
• Heating & cooling: Central air conditioning; Forced air heating
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $71 ($851/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 $129k (19.4% below list).
• Recommended offer: $129k (19.4% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 4.3% in Weirton — 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 69/100 on livability (#70 in WV) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: commute C-, schools D+, employment D.
• Hancock County Schools (urban): math 37% / reading 43% proficiency, ranked #7 of 55 in WV (top 13%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 79 active listings in the ZIP; 15 units permitted in Hancock County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Hancock County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask is 3% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $128,817 (19.4% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — 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 D-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. 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: 0.81% ✗
• Cap rate: 6.83%
• Cash-on-cash: 1.90%
• DSCR: 1.08
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $182,850
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
101 Sellitti Ln	0.53mi	4/2.0 (+1)	1,557 (-2%)	2mo	$148,500	$95	65
213 Arena Dr	0.57mi	3/2.0	1,589 (-0%)	10mo	$272,500	$171	65
163 N 15th St	0.55mi	3/2.0	1,674 (+5%)	3mo	$205,000	$122	64
121 Pikeview St	0.31mi	4/2.0 (+1)	1,458 (-8%)	6mo	$189,900	$130	62
124 Church St	0.39mi	4/2.0 (+1)	1,446 (-9%)	2mo	$167,000	$115	60
168 Franklin St	0.11mi	2/2.0 (-1)	1,396 (-12%)	11mo	$90,000	$64	60
132 School St	0.40mi	4/2.0 (+1)	1,440 (-9%)	3mo	$87,000	$60	58
207 Iowa St	0.74mi	3/2.0	1,560 (-2%)	4mo	$167,500	$107	58
1057 Pennsylvania Ave	0.28mi	4/2.0 (+1)	1,812 (+14%)	2mo	$35,000	$19	57
1053 Pennsylvania Ave	0.27mi	4/2.0 (+1)	1,782 (+12%)	7mo	$52,000	$29	57
116 Arena Dr	0.66mi	3/2.0	1,512 (-5%)	6mo	$234,000	$155	56
115 Murphy Ave	0.62mi	3/2.0	1,370 (-14%)	0mo	$169,900	$124	48

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: -13.3%
• Equity multiple: 0.52×
• Total profit: $-21,472
• Equity at exit: $23,842

10-year hold

• IRR: -4.5%
• Equity multiple: 0.71×
• Total profit: $-13,198
• Equity at exit: $13,825

Cash invested: $44,772 (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 26062

• Home prices YoY: -16.5%
• Active inventory: 79
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,288 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$42 /mo · $499/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $71

Break-even live

Break-even rent $1,198

Max offer price $159,900

Occupancy floor 89%

Sensitivity live

Price	-10% $161	-5% $116	+0% $71	+5% $26	+10% $-20
Rent	-10% $-31	-5% $20	+0% $71	+5% $122	+10% $173
Rate	-1.0pp $151	-0.5pp $112	base $71	+0.5pp $29	+1.0pp $-13

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-22
   days on market $159,900 Active 38 DOM
2. 2026-06-21
   days on market $159,900 Active 37 DOM
3. 2026-06-19
   days on market $159,900 Active 35 DOM
4. 2026-06-18
   days on market $159,900 Active 34 DOM
5. 2026-06-17
   days on market $159,900 Active 33 DOM
6. 2026-06-17
   price $159,900 Active 32 DOM
7. 2026-06-16
   days on market $169,900 Active 32 DOM
8. 2026-06-15
   days on market $169,900 Active 31 DOM
9. 2026-06-14
   days on market $169,900 Active 29 DOM
10. 2026-06-12
    days on market $169,900 Active 28 DOM
11. 2026-06-09
    days on market $169,900 Active 25 DOM
12. 2026-06-08
    days on market $169,900 Active 24 DOM
13. 2026-06-07
    days on market $169,900 Active 23 DOM
14. 2026-06-07
    days on market $169,900 Active 22 DOM
15. 2026-06-04
    days on market $169,900 Active 19 DOM
16. 2026-06-02
    days on market $169,900 Active 18 DOM
17. 2026-06-01
    days on market $169,900 Active 17 DOM
18. 2026-05-31
    days on market $169,900 Active 16 DOM
19. 2026-05-31
    days on market $169,900 Active 15 DOM
20. 2026-05-15
    price $169,900
21. 2026-05-15
    listed $155,000 Active
22. 2026-03-17
    listed $155,000 Active

ⓘ 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: $499 · $42/mo
• Projected year-2 tax: $943 · $79/mo
• Expected delta: +$444/yr (+$37/mo · 89.1%)

ⓘ 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 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,458
• − Mortgage interest: −$8,957
• − Property taxes: −$499
• − Insurance: −$800
• − Repairs & maintenance: −$1,237
• − Management: −$1,237
• − Depreciation: −$4,652
• Taxable loss: −$1,922
• Est. tax savings @ 24.0%: +$461
• After-tax cash flow: $1,312/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: Hancock County Schools
• NCES district ID: 5400450
• Math proficiency: 37% ▼ -11.00%
• Reading proficiency: 43% ▼ -5.00%
• Median HH income: $39,803
• Composite: 33.5/100
• National rank: #5445
• State rank: #7 of 55 in WV

Livability — Weirton

• Score: 69/100
• State rank: #70
• US rank: #8638

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Weirton, WV
• City population: 20,721
• Population (ZIP): 20,721

Population outlook (Hancock County) Hauer SSP2

• Today (2025): 28,704 people
• By 2030: 27,913 · -2.8%
• By 2040: 26,078 · -9.1%
• By 2050: 24,521 · -14.6%
• By 2075: 21,630 · -24.6%
• By 2100: 17,867 · -37.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Romanian 7% Lithuanian 2% Serbian 2%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Other Indo-European 1% Spanish 1%

Political lean MEDSL · Hancock

• 2024 margin: Solid R (+46.8) · D 25.8% · R 72.6% · Other 1.6%
• 2008→2024 swing: -31.6pp toward R · 2008: -15.2pp · 2024: -46.8pp
• All cycles: 2024: R+46.8 2020: R+43.6 2016: R+44.5 2012: R+21.6 2008: R+15.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -41.66%
• Current HPI: 210.5239
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

+9.6% since first listed

3 events — show timeline

• 2026-05-15 Price Changed $169,900 MLSNOW
• 2026-05-15 Listed $155,000 MLSNOW
• 2026-03-17 Listed $155,000 MLSNOW

Property tax history

+5.4%/yr

Latest (2025): $499 · +4.3% YoY. Source: county tax records.