1913 Country Club Ave · Youngstown, OH 44514

$115,000

3 bd · 1.0 ba · 1,092 sqft · SingleFamily public records · 124 Days on market

Built 1958 10,018 sqft lot Est $140k · 18% under

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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 +23.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +6.6/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Priced to sell! This home is being offered as-is—no updates or repairs will be made. It features three bedrooms, an attached garage, a covered front porch, and a nicely sized yard. Conveniently located just minutes from everyday necessities, this property offers great potential in a prime location. Seller has no information on age of any mechanicals.

Key facts

• Covered front porch
• Nicely sized yard
• Prime location

Tags

• COVERED FRONT PORCH
• NICELY SIZED YARD
• PRIME LOCATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $211 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $101k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 7.0% in Youngstown — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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: 155 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k 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 124 days — a 12% lower offer ($101k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y ago; this cycle's ask has dropped $23k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $42k; list at $115k implies a 171% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $101,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.16% ✓
• Cap rate: 8.50%
• Cash-on-cash: 7.88%
• DSCR: 1.35
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $139,776
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1913 Country Club Ave	0.00mi	3/2.0	1,092 (0%)	0mo	$78,000	$71	96
1928 Palo Verde Dr	0.04mi	3/1.0	1,074 (-2%)	3mo	$130,000	$121	93
1654 Thalia Ave	0.17mi	3/1.0	984 (-10%)	3mo	$56,250	$57	73
5522 Sheridan Rd	0.52mi	3/1.0	1,084 (-1%)	3mo	$225,000	$208	72
612 Maplewood Ave	0.49mi	3/1.0	1,056 (-3%)	3mo	$135,000	$128	70
511 Edison St	0.56mi	3/2.0	1,120 (+3%)	1mo	$214,000	$191	65
587 Edison St	0.41mi	2/2.0 (-1)	1,163 (+6%)	2mo	$160,000	$138	60
457 Sexton St	0.70mi	2/1.0 (-1)	1,100 (+1%)	2mo	$127,500	$116	59
449 Creed St	0.67mi	3/1.5	1,040 (-5%)	0mo	$172,000	$165	59
1562 Medford Ave	0.65mi	3/1.0	1,170 (+7%)	3mo	$129,156	$110	56
1737 Halbert Dr	0.57mi	3/1.0	960 (-12%)	3mo	$167,000	$174	51
1925 Weston Ave	0.60mi	3/1.0	1,227 (+12%)	1mo	$89,000	$73	50

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: -4.2%
• Equity multiple: 0.84×
• Total profit: $-5,117
• Equity at exit: $17,147

10-year hold

• IRR: 5.5%
• Equity multiple: 1.41×
• Total profit: $13,091
• Equity at exit: $9,943

Cash invested: $32,200 (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 44514

• Home prices YoY: -23.8%
• Active inventory: 155
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,336 high
• Mortgage (P&I): −$603
• Tax from tax record: −$193 /mo · $2,313/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $211

Break-even live

Break-even rent $1,068

Max offer price $115,000

Occupancy floor 79%

Sensitivity live

Price	-10% $277	-5% $244	+0% $211	+5% $179	+10% $146
Rent	-10% $106	-5% $159	+0% $211	+5% $264	+10% $317
Rate	-1.0pp $269	-0.5pp $241	base $211	+0.5pp $182	+1.0pp $151

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
610 Elm St Struthers, OH	3.0	1.0	1050	$1,500	$1.43	14d	1	0.56mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	44d	1	0.82mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	44d	1	0.86mi
2523 E Midlothian Blvd Apt 5 Struthers, OH	2.0	1.0	750	$800	$1.07	14d	1	0.95mi
929 Cook Ave Unit 1 Youngstown, OH	2.0	1.0	700	$850	$1.21	44d	1	1.02mi
3446 Ambert Ave Youngstown, OH	4.0	1.0	1100	$1,250	$1.14	14d	1	1.07mi
851 Cook Ave Unit 4 Youngstown, OH	2.0	1.0	1050	$800	$0.76	44d	1	1.12mi
6300 South Ave Youngstown, OH	1.0–2.0	1.0–2.0	743	$950	$1.28	14d	1	1.31mi
457 Mathews Rd Boardman, OH	3.0	1.0	1200	$1,300	$1.08	44d	1	1.41mi
413 Mathews Rd Boardman, OH	2.0	1.0	1000	$1,200	$1.20	44d	1	1.48mi

Listing history 11 events

1. 2026-05-08
   status Pending
2. 2026-04-23
   status Active
3. 2026-03-05
   status Pending
4. 2026-02-23
   historical Contingent
5. 2026-02-05
   price $115,000
6. 2026-01-05
   price $120,000
7. 2025-12-02
   price $135,000
8. 2025-11-16
   listed $138,000 Active
9. 2014-05-06
   historical
10. 2013-05-22
    listed $53,900
11. 1984-03-01
    soldstatus $42,500

ⓘ 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: $2,313 · $193/mo
• Projected year-2 tax: $2,313 · $193/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 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 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,028
• − Mortgage interest: −$6,442
• − Property taxes: −$2,313
• − Insurance: −$575
• − Repairs & maintenance: −$1,282
• − Management: −$1,282
• − Depreciation: −$3,345
• Taxable income: $789
• Est. tax owed @ 24.0%: −$189
• After-tax cash flow: $2,348/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

• County: Mahoning County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 23,917
• Household income: $79,808
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 411.0

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: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 3% Black 2%
• Common ancestry: Romanian 6% Slovak 2% Lithuanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 2%

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: ▼ -65.78%
• Current HPI: 210.5511
• Rent YoY: —
• Metro: Youngstown-Warren-Boardman, OH-PA
• 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

+170.6% since first listed

11 events — show timeline

• 2026-05-08 Pending — MLSNOW
• 2026-04-23 Relisted — MLSNOW
• 2026-03-05 Pending — MLSNOW
• 2026-02-23 Contingent — MLSNOW
• 2026-02-05 Price Changed $115,000 MLSNOW
• 2026-01-05 Price Changed $120,000 MLSNOW
• 2025-12-02 Price Changed $135,000 MLSNOW
• 2025-11-16 Listed $138,000 MLSNOW
• 2014-05-06 Listing Removed — MLSNOW
• 2013-05-22 Listed $53,900 MLSNOW
• 1984-03-01 Sold (Public Records) $42,500 Public Records

Property tax history

+7.9%/yr

Latest (2025): $2,313 · +20.6% YoY. Source: county tax records.