419 Haskins Ave · Dayton, OH 45420

$134,900

3 bd · 1.0 ba · 1,094 sqft · SingleFamily public records · 48 Days on market

Built 1951 5,184 sqft lot $123/sqft · 17% below area Est $162k · 17% 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 +19.8/30.0
• ARV discount +15.0/15.0
• DSCR +6.3/10.0
• 1% rule +4.9/10.0
• Rent growth +3.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Here's the one you have been waiting for! This fully updated 4 bedroom cape cod is absolutely charming! Updates in the house include updated double pane windows, new basement glass block windows, update HVAC, new water heater, new paint throughout, all new flooring throughout, updated 30yr 3 dimensional roof, updated bathroom, and updated kitchen. The massive fenced backyard offer tons of potential for whatever your outdoor needs may be. Located close to restaurants, lots of locals shopping, several parks, and St Rt 35 for easy commuting access. Call today as this gorgeous home will not last long!

Key facts

• Dedicated driveway
• Cape cod home
• Local parks

Tags

• CAPE COD HOME
• DEDICATED DRIVEWAY
• WALKABLE RESIDENTIAL COMMUNITY
• LOCAL PARKS

Property features AI

Finance

• Financial info: Offered for sale

Exterior

• Parking: No garage
• Home design: Vinyl-sided residence
• Construction: Vinyl siding construction; Finished living above grade with about 728 sqft below grade unfinished
• Exterior features: Lot dimensions approximately 36 x 144; Lot area about 0.12 acres; Residential zoning

Interior

• Kitchen: Kitchen on the main level (approximately 7 x 11)
• Bedrooms: Three bedrooms (two on the second level, one on the main level); Bedroom sizes include 11 x 14, 12 x 12, and 12 x 9
• Bathrooms: One full bathroom (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/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $161 ($2k/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 $133k (1.4% below list).
• Recommended offer: $131k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#716 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools C-, amenities C-, crime F.
• Dayton City (urban): math 12% / reading 21% proficiency, ranked #641 of 656 in OH (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.8%/yr); 106 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 907 units permitted in Montgomery County in 2024 (416 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Montgomery County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($131k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,853 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 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 1951 — 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: 0.99% ✗
• Cap rate: 7.72%
• Cash-on-cash: 5.11%
• DSCR: 1.23
• GRM: 8.4

CMA / ARV

• ARV (median comp): $162,373
• List price: $134,900
• Delta: -16.92%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 Watervliet Ave	0.20mi	2/1.0 (-1)	1,146 (+5%)	2mo	$149,900	$131	76
606 Morse Ave	0.19mi	3/2.5	1,152 (+5%)	1mo	$182,000	$158	76
2307 S Smithville Rd	0.45mi	3/1.0	1,152 (+5%)	1mo	$165,000	$143	69
2348 Fauver Ave	0.42mi	2/2.0 (-1)	1,080 (-1%)	1mo	$200,000	$185	69
541 Watervliet Ave	0.28mi	2/2.0 (-1)	1,000 (-9%)	1mo	$175,000	$175	63
603 Hampshire Rd	0.61mi	3/1.5	1,160 (+6%)	1mo	$219,900	$190	59
1015 Croyden Dr	0.51mi	3/2.0	1,184 (+8%)	0mo	$200,000	$169	58
925 Croyden Dr	0.53mi	3/1.0	1,209 (+10%)	1mo	$205,000	$170	57
1821 S Smithville Rd	0.67mi	2/1.0 (-1)	1,060 (-3%)	2mo	$135,000	$127	57
3312 Wayne Ave	0.37mi	3/2.0	948 (-13%)	2mo	$130,000	$137	55
1333 Pursell Ave	0.52mi	3/2.0	1,213 (+11%)	1mo	$165,000	$136	53
2127 Moreland Ave	0.57mi	2/1.0 (-1)	960 (-12%)	0mo	$134,000	$140	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 · 4.82% rent growth · sell at horizon

5-year hold

• IRR: -6.4%
• Equity multiple: 0.76×
• Total profit: $-9,149
• Equity at exit: $20,114

10-year hold

• IRR: 5.2%
• Equity multiple: 1.42×
• Total profit: $15,756
• Equity at exit: $11,664

Cash invested: $37,772 (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 45420

• Rents YoY: 4.8%
• Active inventory: 106
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,331 high
• Mortgage (P&I): −$707
• Tax from tax record: −$127 /mo · $1,524/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $161

Break-even live

Break-even rent $1,127

Max offer price $134,900

Occupancy floor 83%

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: $33,725
• Closing costs: $4,047
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2416 Brookline Ave Dayton, OH	2.0	1.0	806	$895	$1.11	3d	1	0.06mi
2029 Brookline Ave Dayton, OH	2.0	1.0	990	$1,270	$1.28	14d	1	0.35mi
906 Nordale Ave Dayton, OH	3.0	2.0	1262	$2,200	$1.74	44d	1	0.38mi
922 Wilmington Ave Dayton, OH	2.0	1.0	720	$1,200	$1.67	23d	1	0.41mi
933 Wilmington Ave Dayton, OH	1.0–2.0	1.0–1.5	802	$980	$1.22	3d	8	0.44mi
737 Wilmington Ave Dayton, OH	2.0	1.0	1000	$950	$0.95	23d	1	0.46mi
2212 Fauver Ave Dayton, OH	3.0	1.0	1300	$1,795	$1.38	44d	1	0.48mi
1053 Wilmington Ave Dayton, OH	2.0–3.0	1.0–1.5	1025	$1,495	$1.46	3d	5	0.52mi
1059 Wilmington Ave Unit 1059 1 Dayton, OH	3.0	1.5	1100	$1,495	$1.36	44d	1	0.53mi
1905 Coventry Rd Dayton, OH	2.0	1.0	1000	$1,250	$1.25	23d	1	0.54mi
2600 Wayne Ave Dayton, OH	4.0	1.5	1328	$1,500	$1.13	23d	1	0.55mi
1121 Colwick Dr Dayton, OH	3.0	2.0	1272	$1,875	$1.47	21d	1	0.57mi
1410 Phillips Ave Unit 1 Dayton, OH	2.0	1.0	1000	$950	$0.95	44d	1	0.58mi
1238 Colwick Dr Dayton, OH	2.0	1.0	786	$1,250	$1.59	11d	1	0.64mi
809 Patterson Rd Dayton, OH	2.0	1.0–1.5	895	$1,075	$1.20	3d	7	0.66mi
344 Firwood Dr Dayton, OH	1.0–3.0	1.0–1.5	739	$1,350	$1.83	3d	15	0.71mi
2306 Alice St Dayton, OH	3.0	1.0	918	$1,200	$1.31	3d	1	0.73mi
2308 Wayne Ave Dayton, OH	2.0	1.0	800	$895	$1.12	44d	1	0.84mi
3311 S Smithville Rd Dayton, OH	3.0	1.0	1019	$1,295	$1.27	44d	1	0.85mi
4249 Pleasant View Ave Dayton, OH	3.0	2.0	1440	$1,695	$1.18	44d	1	0.87mi
4253 Pleasant View Ave Dayton, OH	3.0	2.0	1440	$1,695	$1.18	44d	1	0.87mi
1101 Phillips Ave Unit 1101 Dayton, OH	3.0	1.5	1300	$1,450	$1.12	44d	1	0.91mi
313 Illinois Ave Dayton, OH	3.0	1.0	1142	$975	$0.85	3d	1	0.92mi
2850 Hazel Ave Unit 1496064P Dayton, OH	3.0	2.0	850	$6,259	$7.36	19d	1	0.92mi
2200 Wayne Ave Dayton, OH	2.0	1.0	748	$975	$1.30	3d	1	0.93mi
2132 Wayne Ave Dayton, OH	3.0	2.0	1484	$1,350	$0.91	3d	1	0.95mi
920 E Stewart St Dayton, OH	4.0	1.0	1322	$1,425	$1.08	44d	1	0.95mi
854 Santa Cruz Ave Dayton, OH	3.0	1.0	1060	$1,300	$1.23	44d	1	0.97mi
534 Beckman St Dayton, OH	3.0	2.0	1452	$1,400	$0.96	3d	1	0.99mi
136 Indiana Ave Dayton, OH	3.0	1.0	1194	$1,250	$1.05	23d	1	0.99mi
2526 Kennedy Ave Dayton, OH	3.0	1.0	1232	$1,300	$1.06	44d	1	1.02mi
1828 Hazel Ave Dayton, OH	2.0	1.0	960	$1,435	$1.49	3d	1	1.04mi
1430 Coventry Rd Dayton, OH	2.0	1.0	1106	$1,125	$1.02	14d	1	1.06mi
1515 Wyoming St Dayton, OH	3.0	1.0	1400	$1,000	$0.71	44d	1	1.09mi
2012 Saint Charles Ave Dayton, OH	2.0	1.0	945	$1,250	$1.32	44d	1	1.09mi
1520 S Smithville Rd Dayton, OH	3.0	2.0	1481	$1,345	$0.91	3d	1	1.09mi
3603 S Smithville Rd Kettering, OH	2.0	1.0	950	$1,100	$1.16	23d	1	1.12mi
2112 Patterson Rd Dayton, OH	3.0	1.0	1008	$1,425	$1.41	3d	1	1.12mi
20 Lucerne Ave Dayton, OH	3.0	1.0	1378	$1,200	$0.87	44d	1	1.12mi
1411 Wyoming St Dayton, OH	3.0	1.0	1256	$1,095	$0.87	3d	1	1.14mi

Listing history 25 events

1. 2026-06-18
   days on market $134,900 Active 48 DOM
2. 2026-06-17
   days on market $134,900 Active 47 DOM
3. 2026-06-16
   days on market $134,900 Active 46 DOM
4. 2026-06-15
   days on market $134,900 Active 45 DOM
5. 2026-06-14
   days on market $134,900 Active 43 DOM
6. 2026-06-13
   days on market $134,900 Active 42 DOM
7. 2026-06-10
   days on market $134,900 Active 40 DOM
8. 2026-06-09
   days on market $134,900 Active 39 DOM
9. 2026-06-08
   days on market $134,900 Active 38 DOM
10. 2026-06-07
    days on market $134,900 Active 37 DOM
11. 2026-06-05
    days on market $134,900 Active 34 DOM
12. 2026-06-03
    days on market $134,900 Active 33 DOM
13. 2026-06-02
    days on market $134,900 Active 32 DOM
14. 2026-06-01
    days on market $134,900 Active 31 DOM
15. 2026-05-31
    days on market $134,900 Active 30 DOM
16. 2026-05-01
    listed $134,900 Active 557-char remark
17. 2025-01-09
    soldstatus $7,678,000
18. 2017-06-29
    soldstatus $51,000
19. 2017-05-30
    soldstatus $51,000 Sold 605-char remark

    Show marketing remark (605 chars)

    Here's the one you have been waiting for! This fully updated 4 bedroom cape cod is absolutely charming! Updates in the house include updated double pane windows, new basement glass block windows, update HVAC, new water heater, new paint throughout, all new flooring throughout, updated 30yr 3 dimensional roof, updated bathroom, and updated kitchen. The massive fenced backyard offer tons of potential for whatever your outdoor needs may be. Located close to restaurants, lots of locals shopping, several parks, and St Rt 35 for easy commuting access. Call today as this gorgeous home will not last long!

20. 2017-05-30
    soldstatus $51,000 Closed 605-char remark

    Show marketing remark (605 chars)

    Here's the one you have been waiting for! This fully updated 4 bedroom cape cod is absolutely charming! Updates in the house include updated double pane windows, new basement glass block windows, update HVAC, new water heater, new paint throughout, all new flooring throughout, updated 30yr 3 dimensional roof, updated bathroom, and updated kitchen. The massive fenced backyard offer tons of potential for whatever your outdoor needs may be. Located close to restaurants, lots of locals shopping, several parks, and St Rt 35 for easy commuting access. Call today as this gorgeous home will not last long!

21. 2017-05-12
    status Pending 605-char remark

    Show marketing remark (605 chars)

    Here's the one you have been waiting for! This fully updated 4 bedroom cape cod is absolutely charming! Updates in the house include updated double pane windows, new basement glass block windows, update HVAC, new water heater, new paint throughout, all new flooring throughout, updated 30yr 3 dimensional roof, updated bathroom, and updated kitchen. The massive fenced backyard offer tons of potential for whatever your outdoor needs may be. Located close to restaurants, lots of locals shopping, several parks, and St Rt 35 for easy commuting access. Call today as this gorgeous home will not last long!

22. 2017-05-08
    listed $69,900 Active 605-char remark

    Show marketing remark (605 chars)

    Here's the one you have been waiting for! This fully updated 4 bedroom cape cod is absolutely charming! Updates in the house include updated double pane windows, new basement glass block windows, update HVAC, new water heater, new paint throughout, all new flooring throughout, updated 30yr 3 dimensional roof, updated bathroom, and updated kitchen. The massive fenced backyard offer tons of potential for whatever your outdoor needs may be. Located close to restaurants, lots of locals shopping, several parks, and St Rt 35 for easy commuting access. Call today as this gorgeous home will not last long!

23. 1995-08-04
    soldstatus $45,000
24. 1993-09-29
    soldstatus $35,000
25. 1993-09-29
    soldstatus $35,000

ⓘ 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: $1,524 · $127/mo
• Projected year-2 tax: $1,814 · $151/mo
• Expected delta: +$290/yr (+$24/mo · 19.1%)

ⓘ 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 ≥101°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,969
• − Mortgage interest: −$7,556
• − Property taxes: −$1,524
• − Insurance: −$674
• − Repairs & maintenance: −$1,278
• − Management: −$1,278
• − Depreciation: −$3,924
• Taxable loss: −$265
• Est. tax savings @ 24.0%: +$64
• After-tax cash flow: $1,992/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: Dayton City
• NCES district ID: 3904384
• Math proficiency: 12% ▼ -12.00%
• Reading proficiency: 21% ▼ -11.00%
• Median HH income: $28,688
• Composite: 12.94/100
• National rank: #9579
• State rank: #641 of 656 in OH

Livability — Dayton

• Score: 65/100
• State rank: #716
• US rank: #12895

Category grades

Amenities C- Commute F 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

• Census place: Dayton, OH
• County: Montgomery County · 459,541 people
• City population: 164,387
• Metro: Dayton-Kettering, OH
• Population (ZIP): 24,411
• Household income: $60,588
• Rent vs Own: 37.6% rent · 62.4% own
• Severe rent burden: 856.0

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 523,241 people
• By 2030: 514,948 · -1.6%
• By 2040: 493,378 · -5.7%
• By 2050: 469,639 · -10.2%
• By 2075: 418,360 · -20.0%
• By 2100: 353,315 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Black 7% Two or more races 6% Hispanic / Latino 3% Asian 3%
• Common ancestry: Lithuanian 3% Slovak 2% Italian 2%
• Foreign-born: 7% · Canada, China
• Languages at home: 93% English-only · Other Indo-European 2% Spanish 2% Chinese 0%

Political lean MEDSL · Montgomery

• 2024 margin: Toss-up / Even · D 49.8% · R 49.3%
• 2008→2024 swing: -5.8pp toward R · 2008: 6.2pp · 2024: 0.5pp
• All cycles: 2024: D+0.5 2020: D+2.2 2016: R+1.2 2012: D+3.1 2008: D+6.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -192.56%
• Current HPI: 241.6543
• Rent YoY: ▲ 4.82%
• Metro: Dayton-Kettering, OH
• 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

+285.4% since first listed

10 events — show timeline

• 2026-05-01 Listed $134,900 Dayton MLS
• 2025-01-09 Sold (Public Records) $7,678,000 Public Records
• 2017-06-29 Sold (Public Records) $51,000 Public Records
• 2017-05-30 Sold (MLS) $51,000 Dayton MLS
• 2017-05-30 Sold (MLS) $51,000 Dayton MLS
• 2017-05-12 Pending — Dayton MLS
• 2017-05-08 Listed $69,900 Dayton MLS
• 1995-08-04 Sold (Public Records) $45,000 Public Records
• 1993-09-29 Sold (Public Records) $35,000 Public Records
• 1993-09-29 Sold (Public Records) $35,000 Public Records

Property tax history

-1.4%/yr

Latest (2025): $1,524 · -0.2% YoY. Source: county tax records.