548 Bridge St · Huntington, WV 25702

$50,000

4 bd · 1.5 ba · 1,560 sqft · SingleFamily public records · 51 Days on market

Built 1921 8,712 sqft lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Partially updated 4 bedroom, 2 bath home in beautiful downtown Guyandotte. This home has a detached garage, large lot that goes to the alley, new toilets, hot water heater, gas wall heaters, and more. Come put your finishing touches on this large Huntington home.

Key facts

• New toilets
• Gas wall heaters
• Large lot

Tags

• DETACHED GARAGE
• LARGE LOT
• NEW TOILETS
• HOT WATER HEATER
• GAS WALL HEATERS

Property features AI

Finance

• Other: Located next to the Marathon station on 3rd Ave in Guyandotte

Exterior

• Parking: Off-street parking; Detached garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property; 2 stories
• Construction: Vinyl siding; Wood siding; Shingle roof
• Exterior features: Porch; Level lot

Interior

• Kitchen: Range; Oven; Refrigerator; Dishwasher not listed
• Flooring: Wood floors
• Bathrooms: 2 full bathrooms
• Heating & cooling: Window unit(s) for cooling
• Interior features: Washer and dryer included; Range and oven; Refrigerator; Wood flooring; Crawl space basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $674 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $48k (3.0% below list) — sets the bar for market timing.
• Cap rate 22.5% vs local median 6.5% in Huntington — 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 79/100 on livability (#16 in WV, #2,045 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Cabell County Schools (urban): math 31% / reading 42% proficiency, ranked #13 of 55 in WV (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Huntington East Middle School (math 18% / reading 32%, grade F, #81 of 109 statewide, top 76%, 585 students, 0% FRL); Huntington High School (math 26% / reading 50%, grade F, #31 of 110 statewide, top 28%, 1,704 students, 0% FRL) — zoned schools average 0% FRL vs 47% district-wide (47 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 32 active listings in the ZIP; 61 units permitted in Cabell County in 2024 (5 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $346 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
• 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: built in 1921 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $48,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 51 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 1921 — 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. 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?
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: 2.58% ✓
• Cap rate: 22.47%
• Cash-on-cash: 57.78%
• DSCR: 3.57
• GRM: 3.2

CMA / ARV

• ARV (on-the-fly): $157,560
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
302 Township Road 1533	0.60mi	3/2.0 (-1)	1,598 (+2%)	6mo	$233,000	$146	56
94 Township Road 368	0.60mi	3/2.0 (-1)	1,519 (-3%)	10mo	$264,000	$174	52
101 Ferry St	0.49mi	3/1.5 (-1)	1,467 (-6%)	14mo	$83,200	$57	51
307 Wilgus St	0.68mi	3/1.0 (-1)	1,434 (-8%)	8mo	$145,000	$101	41
3118 Third Ave	0.59mi	3/2.0 (-1)	1,487 (-5%)	24mo	$99,700	$67	38
306 Elizabeth St	0.59mi	3/1.0 (-1)	1,347 (-14%)	9mo	$28,380	$21	35
201 Jones St	0.71mi	3/1.0 (-1)	1,400 (-10%)	15mo	$194,900	$139	31

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: 56.3%
• Equity multiple: 3.49×
• Total profit: $34,851
• Equity at exit: $7,455

10-year hold

• IRR: 61.3%
• Equity multiple: 7.12×
• Total profit: $85,710
• Equity at exit: $4,323

Cash invested: $14,000 (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 25702

• Home prices YoY: -11.1%
• Active inventory: 32
• Price-to-rent: 3.2×

Monthly cashflow live

• Estimated rent: $1,290 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$62 /mo · $739/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $674

Break-even live

Break-even rent $436

Max offer price $50,000

Occupancy floor 43%

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $50,000 Active 51 DOM
2. 2026-06-18
   days on market $50,000 Active 50 DOM
3. 2026-06-17
   days on market $50,000 Active 49 DOM
4. 2026-06-16
   days on market $50,000 Active 48 DOM
5. 2026-06-15
   days on market $50,000 Active 47 DOM
6. 2026-06-14
   days on market $50,000 Active 45 DOM
7. 2026-06-12
   days on market $50,000 Active 44 DOM
8. 2026-06-09
   days on market $50,000 Active 41 DOM
9. 2026-06-08
   days on market $50,000 Active 40 DOM
10. 2026-06-07
    days on market $50,000 Active 39 DOM
11. 2026-06-05
    days on market $50,000 Active 36 DOM
12. 2026-06-03
    days on market $50,000 Active 35 DOM
13. 2026-06-02
    days on market $50,000 Active 34 DOM
14. 2026-06-01
    days on market $50,000 Active 33 DOM
15. 2026-05-31
    days on market $50,000 Active 32 DOM
16. 2026-05-30
    days on market $50,000 Active 31 DOM
17. 2026-04-29
    listed $50,000 Active
18. 2026-03-04
    price
19. 2026-02-12
    price
20. 2025-09-18
    listed 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: $739 · $62/mo
• Projected year-2 tax: $739 · $62/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 6/10 Major FEMA zone X · 69% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥102°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,475
• − Mortgage interest: −$2,801
• − Property taxes: −$739
• − Insurance: −$250
• − Repairs & maintenance: −$1,238
• − Management: −$1,238
• − Depreciation: −$1,455
• Taxable income: $7,754
• Est. tax owed @ 24.0%: −$1,861
• After-tax cash flow: $6,228/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: Cabell County Schools
• NCES district ID: 5400180
• Math proficiency: 31% ▼ -7.00%
• Reading proficiency: 42% ▼ -6.00%
• Median HH income: $36,426
• Composite: 30.26/100
• National rank: #6285
• State rank: #13 of 55 in WV

Livability — Huntington

• Score: 79/100
• State rank: #16
• US rank: #2045

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntington, WV
• City population: 25,795
• Population (ZIP): 7,164

Population outlook (Cabell County) Hauer SSP2

• Today (2025): 97,574 people
• By 2030: 98,060 · +0.5%
• By 2040: 98,817 · +1.3%
• By 2050: 100,185 · +2.7%
• By 2075: 105,895 · +8.5%
• By 2100: 105,948 · +8.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 5% Hispanic / Latino 2% Black 2% Asian 1%
• Common ancestry: Lithuanian 1% Slovak 1% Italian 1%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% Chinese 1%

Political lean MEDSL · Cabell

• 2024 margin: Strong R (+21.9) · D 38.0% · R 59.9% · Other 2.0%
• 2008→2024 swing: -11.8pp toward R · 2008: -10.1pp · 2024: -21.9pp
• All cycles: 2024: R+21.9 2020: R+18.0 2016: R+25.5 2012: R+13.9 2008: R+10.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -21.03%
• Current HPI: 168.2172
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

4 events — show timeline

• 2026-04-29 Listed $50,000 HBRMLS
• 2026-03-04 Price Changed — HBRMLS
• 2026-02-12 Price Changed — HBRMLS
• 2025-09-18 Listed — HBRMLS

Property tax history

-1.7%/yr

Latest (2025): $739 · +16.1% YoY. Source: county tax records.