1107 Seventh St · Moundsville, WV 26041

$65,000

2 bd · 1.5 ba · 1,254 sqft · SingleFamily public records · 44 Days on market

Built 1900 4,138 sqft lot Est $105k · 38% under

---

Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Livability +3.3/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This charming 1-bedroom, 1.5-bath home offers great potential for customization and personal touches. While it requires some work, it features updated windows, siding, and partial flooring, providing a solid foundation for your renovation project. The spacious layout includes a comfortable living area and a versatile space that can be tailored to your needs. Ideal for investors or first-time homeowners, this property presents an excellent opportunity to create a cozy, personalized residence in a desirable location.

Key facts

• Versatile space
• Updated siding
• Updated windows

Tags

• UPDATED WINDOWS
• UPDATED SIDING
• PARTIAL FLOORING
• SPACIOUS LAYOUT
• VERSATILE SPACE
• DESIRABLE LOCATION

Property features AI

Finance

• Other: Property located in a residential zoning area
• Financial info: Tax amount not included per instructions
• HOA & community: HOA information not provided

Exterior

• Parking: Parking details not provided
• Security: No specific security features listed
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family residence (traditional); 2 stories
• Construction: Vinyl siding; Shingle roof; Built year not provided; Foundation details not provided
• Exterior features: Porch; Level lot

Interior

• Kitchen: Range; Gas water heater
• Bedrooms: Total of 6 rooms (bedroom count not specified)
• Flooring: Hardwood floors
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Forced-air heating (natural gas); Window air conditioning units
• Interior features: Walk-in closet(s); Full basement
• Laundry & utility: Washer/dryer location not specified

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $353 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($943 rent vs $65k).
• Recommended offer: $63k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.8% vs local median 4.7% in Moundsville — 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 66/100 on livability (#105 in WV) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-, health & safety A-; Watch: schools D+, amenities F, commute F.
• Marshall County Schools (suburban): math 28% / reading 36% proficiency, ranked #21 of 55 in WV (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 78 active listings in the ZIP; 6 units permitted in Marshall County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Marshall County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($63k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $63,050 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — 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. 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: 1.45% ✓
• Cap rate: 12.81%
• Cash-on-cash: 23.28%
• DSCR: 2.04
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $105,336
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1404 9th St	0.19mi	2/1.5	1,260 (+0%)	1mo	$128,500	$102	90
1106 8th St	0.03mi	3/2.0 (+1)	1,156 (-8%)	8mo	$75,000	$65	72
207 Tomlinson Ave	0.42mi	3/1.0 (+1)	1,232 (-2%)	7mo	$70,000	$57	65
606 12th St	0.43mi	3/2.0 (+1)	1,320 (+5%)	0mo	$120,000	$91	64
1502 8th St	0.25mi	3/1.0 (+1)	1,385 (+10%)	2mo	$101,000	$73	62
524 9th St	0.27mi	3/1.0 (+1)	1,374 (+10%)	3mo	$41,500	$30	62
1004 Morton Ave	0.25mi	3/1.0 (+1)	1,373 (+10%)	6mo	$36,000	$26	60
1012 Mcconnell Dr	0.22mi	3/2.0 (+1)	1,080 (-14%)	1mo	$150,000	$139	59
1025 Morton Ave	0.31mi	3/1.5 (+1)	1,355 (+8%)	10mo	$148,000	$109	58
2018 Jackson St	0.69mi	3/1.0 (+1)	1,296 (+3%)	1mo	$193,000	$149	55
117 Ash Ave	0.48mi	3/1.5 (+1)	1,392 (+11%)	3mo	$106,000	$76	52
2009 Center St	0.75mi	2/1.0	1,172 (-6%)	6mo	$99,000	$84	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: 16.3%
• Equity multiple: 1.66×
• Total profit: $11,938
• Equity at exit: $9,692

10-year hold

• IRR: 24.9%
• Equity multiple: 3.16×
• Total profit: $39,273
• Equity at exit: $5,620

Cash invested: $18,200 (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 26041

• Home prices YoY: -24.8%
• Active inventory: 78
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $943 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$24 /mo · $290/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$198
• Net cashflow: $353

Break-even live

Break-even rent $496

Max offer price $65,000

Occupancy floor 58%

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-19
   pricedays on market $65,000 Active 44 DOM
2. 2026-06-18
   days on market $70,000 Active 43 DOM
3. 2026-06-17
   days on market $70,000 Active 42 DOM
4. 2026-06-16
   days on market $70,000 Active 41 DOM
5. 2026-06-15
   days on market $70,000 Active 40 DOM
6. 2026-06-14
   days on market $70,000 Active 38 DOM
7. 2026-06-12
   days on market $70,000 Active 37 DOM
8. 2026-06-09
   days on market $70,000 Active 34 DOM
9. 2026-06-08
   days on market $70,000 Active 33 DOM
10. 2026-06-07
    days on market $70,000 Active 32 DOM
11. 2026-06-02
    days on market $70,000 Active 27 DOM
12. 2026-06-01
    days on market $70,000 Active 26 DOM
13. 2026-05-31
    days on market $70,000 Active 25 DOM
14. 2026-05-30
    days on market $70,000 Active 24 DOM
15. 2026-05-06
    listed $70,000 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: $290 · $24/mo
• Projected year-2 tax: $384 · $32/mo
• Expected delta: +$93/yr (+$8/mo · 32.1%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥99°F today · 21 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,321
• − Mortgage interest: −$3,641
• − Property taxes: −$290
• − Insurance: −$325
• − Repairs & maintenance: −$906
• − Management: −$906
• − Depreciation: −$1,891
• Taxable income: $3,362
• Est. tax owed @ 24.0%: −$807
• After-tax cash flow: $3,431/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: Marshall County Schools
• NCES district ID: 5400750
• Math proficiency: 28% ▼ -6.00%
• Reading proficiency: 36% ▼ -4.00%
• Median HH income: $40,289
• Composite: 26.91/100
• National rank: #7086
• State rank: #21 of 55 in WV

Livability — Moundsville

• Score: 66/100
• State rank: #105
• US rank: #11553

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moundsville, WV
• County: Marshall · 16,750 people
• Metro: Wheeling, WV-OH
• Population (ZIP): 15,706
• Household income: $55,545
• Rent vs Own: 24.1% rent · 75.9% own
• Severe rent burden: 7.4

Population outlook (Marshall County) Hauer SSP2

• Today (2025): 30,387 people
• By 2030: 29,242 · -3.8%
• By 2040: 26,806 · -11.8%
• By 2050: 24,627 · -19.0%
• By 2075: 19,846 · -34.7%
• By 2100: 15,169 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Romanian 4% Iranian 2% Italian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Marshall

• 2024 margin: Solid R (+50.0) · D 24.1% · R 74.1% · Other 1.8%
• 2008→2024 swing: -37.5pp toward R · 2008: -12.6pp · 2024: -50.0pp
• All cycles: 2024: R+50.0 2020: R+49.6 2016: R+51.0 2012: R+28.6 2008: R+12.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -50.71%
• Current HPI: 153.9522
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-05-06 Listed $70,000 WBOR

Property tax history

-4.7%/yr

Latest (2025): $290 · +2.5% YoY. Source: county tax records.