1006 Powers Ave · Churchill, OH 44505

$119,900

2 bd · 1.0 ba · 1,350 sqft · Condo · 26 Days on market

Built 1990 Good condition $188/mo HOA · 10% of rent

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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
• Condition / age +3.8/5.0
• Livability +3.2/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This affordable, well-maintained condo features a newer roof and siding (just 7 years old), Furnace/AC 2023, HWT-2025 and a secure building entrance. Inside you will find a spacious, open-concept layout designed for comfort. The Great Room showcases a beautiful gas fireplace and a stylish dimensional ceiling that beautifully defines the living and dining spaces. Step out through this room onto a deck where you can enjoy fresh air and outdoor relaxation. The generously sized primary bedroom and second bedroom are thoughtfully positioned on either side of a large full bathroom, complete with a tub/shower combination and double sinks. All appliances are included—featuring a newer washer

Key facts

• Furnace ac 2023
• Newer roof
• Newer siding

Tags

• NEWER ROOF
• NEWER SIDING
• FURNACE AC 2023
• HWT 2025
• SECURE BUILDING ENTRANCE
• OPEN-CONCEPT LAYOUT

Property features AI

Finance

• Financial info: Pets allowed
• HOA & community: Homeowners association (Orchards of Liberty) with a monthly fee of $188 covering insurance, ground and structure maintenance, snow removal, and trash

Exterior

• Parking: Attached garage (1 car)
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer
• Home design: Single-story unit in a 2-story building; Entry level: 5
• Construction: Vinyl siding; Asphalt/fiberglass roof; Built according to public records
• Exterior features: Patio; Lot approximately 0.706 acres

Interior

• Kitchen: Range; Refrigerator; Dishwasher; Disposal
• Bedrooms: Two main-level bedrooms (one bedroom ~14 x 11)
• Flooring: Carpet in living areas and dining room; Linoleum in kitchen and laundry room
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air gas heating; Central air conditioning
• Interior features: Fireplace (1); Smoke detector(s)
• Laundry & utility: In-unit laundry with washer and dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $120k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $520 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $118k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.5% vs local median 3.7% in Churchill — 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 65/100 on livability (#708 in OH) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: employment C-, schools F, amenities F.
• Liberty Local (suburban): math 30% / reading 41% proficiency, ranked #555 of 656 in OH (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 80 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).
• At $1,945/mo this rent would consume 64% of the median local household income ($36k/yr) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% 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 $34k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 30y 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.

Recommended offer $118,101 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.62% ✓
• Cap rate: 11.50%
• Cash-on-cash: 18.59%
• DSCR: 1.83
• GRM: 5.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 10.4%
• Equity multiple: 1.41×
• Total profit: $13,845
• Equity at exit: $17,877

10-year hold

• IRR: 19.6%
• Equity multiple: 2.65×
• Total profit: $55,304
• Equity at exit: $10,367

Cash invested: $33,572 (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 44505

• Home prices YoY: -14.5%
• Active inventory: 80
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,945 medium
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,798/yr
• Insurance: −$50
• HOA: −$188
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $520

Break-even live

Break-even rent $1,287

Max offer price $119,900

Occupancy floor 68%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4779 Logan Arms Dr Youngstown, OH	3.0	1.5	1536	$2,300	$1.50	13d	1	0.47mi
343 Beverly Hills Dr Youngstown, OH	3.0	1.5	912	$1,500	$1.64	44d	1	0.73mi
1046 Leslie Ln Girard, OH	3.0	1.5	936	$1,400	$1.50	21d	1	1.48mi

HOA detail condo

• Monthly dues: $188 · $2,256/yr
• Likely covers: gas
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 14 events

1. 2026-05-01
   listed $119,900 Active 1326-char remark
2. 2020-11-04
   price $74,900
3. 2020-05-02
   price $74,900
4. 2014-02-12
   price $74,900
5. 2014-02-12
   price $74,900
6. 2014-02-12
   price $74,900
7. 2014-02-12
   price $124,900
8. 2013-11-15
   historical
9. 2000-05-05
   listed $124,900
10. 1998-02-01
    price $124,900
11. 1998-02-01
    price $124,900
12. 1998-02-01
    price $124,900
13. 1996-07-27
    historical
14. 1996-05-02
    listed $72,900

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,343
• − Mortgage interest: −$6,716
• − Property taxes: −$1,798
• − Insurance: −$600
• − Repairs & maintenance: −$1,867
• − Management: −$1,867
• − HOA: −$2,256
• − Depreciation: −$3,488
• Taxable income: $4,750
• Est. tax owed @ 24.0%: −$1,140
• After-tax cash flow: $5,102/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.

Condition & rehab AI · 2 photos

Good 75/100 Cosmetic rehab

This well-maintained condo features a newer roof and siding, and is in good condition with no visible repairs needed. Painting the exterior and landscaping the front yard can significantly increase its value.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value
• Both Landscaping the front yard — Improves curb appeal and can increase both resale and rental value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and can increase both resale and rental value ↑
• Both Landscaping the front yard — Improves curb appeal and can increase both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Liberty Local
• NCES district ID: 3905019
• Math proficiency: 30% ▼ -23.00%
• Reading proficiency: 41% ▼ -16.00%
• Median HH income: $48,604
• Composite: 30.59/100
• National rank: #6202
• State rank: #555 of 656 in OH

Livability — Churchill

• Score: 65/100
• State rank: #708
• US rank: #12768

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mahoning · 224,175 people
• City population: 15,066
• Metro: Youngstown-Warren, OH
• Population (ZIP): 16,449
• Household income: $36,480
• Rent vs Own: 47.5% rent · 52.5% own
• Severe rent burden: 10.8

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 37% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 10%
• Common ancestry: Romanian 2% Scotch-Irish 1%
• Foreign-born: 3% · Canada
• Languages at home: 88% English-only · Spanish 9% Arabic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.64%
• Current HPI: 192.3375
• Rent YoY: —
• Metro: —
• 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

+2.7% since first listed

13 events — show timeline

• 2020-11-04 Price Changed $74,900 MLSNOW
• 2020-05-02 Price Changed $74,900 MLSNOW
• 2014-02-12 Price Changed $124,900 MLSNOW
• 2014-02-12 Price Changed $74,900 MLSNOW
• 2014-02-12 Price Changed $74,900 MLSNOW
• 2014-02-12 Price Changed $74,900 MLSNOW
• 2013-11-15 Listing Removed — MLSNOW
• 2000-05-05 Listed $124,900 MLSNOW
• 1998-02-01 Price Changed $124,900 MLSNOW
• 1998-02-01 Price Changed $124,900 MLSNOW
• 1998-02-01 Price Changed $124,900 MLSNOW
• 1996-07-27 Listing Removed — MLSNOW
• 1996-05-02 Listed $72,900 MLSNOW