944 Canfield Rd · Youngstown, OH
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $713 – $1,323
Heat risk 3/10 · Minor
- Hot days now (above 96°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +25.9/30.0
- ARV discount +15.0/15.0
- DSCR +8.7/10.0
- 1% rule +6.1/10.0
- 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
$154,900
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
Key facts
- Fenced yard
- Double back porch
- Lanterman's mill
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/1.5-bath single-family listed at $155k.
Deal economics
- At list price, monthly cash flow is $380 ($5k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $155k).
- Recommended offer: $150k (3.0% below list) — sets the bar for market timing.
- Cap rate 9.2% vs local median 7.0% in Youngstown — 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 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: 73 active listings in the ZIP; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
- This rent runs 36% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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 53 days — a 3% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
- 9 sale attempts since 13y 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.
- Current owner paid $62k; list at $155k implies a 150% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.11% ✓
- Cap rate
- 9.24%
- Cash-on-cash
- 10.52%
- DSCR
- 1.47
- GRM
- 7.5
CMA / ARV
- ARV (on-the-fly)
- $197,064
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 435 E Parkcliffe Ave | 0.68mi | 5/2.0 (+1) | 1,970 (+2%) | 2mo | $54,500 | $28 | 56 |
| 4052 Lockwood Blvd | 0.67mi | 3/1.5 (-1) | 1,861 (-4%) | 2mo | $276,000 | $148 | 56 |
| 4004 Riverside Dr | 0.53mi | 4/3.0 | 1,954 (+1%) | 15mo | $261,000 | $134 | 55 |
| 734 W Laclede Ave | 0.50mi | 4/1.0 | 1,780 (-8%) | 13mo | $104,000 | $58 | 51 |
| 512 Ferndale Ave | 0.59mi | 3/1.0 (-1) | 1,859 (-4%) | 11mo | $108,000 | $58 | 50 |
| 4021 Riverside Dr | 0.58mi | 4/3.0 | 1,812 (-6%) | 9mo | $180,000 | $99 | 49 |
| 2425 Inglenook Pl | 0.45mi | 3/2.5 (-1) | 1,788 (-8%) | 11mo | $180,000 | $101 | 49 |
| 3206 Hermosa Dr | 0.60mi | 3/2.0 (-1) | 1,742 (-10%) | 6mo | $245,000 | $141 | 44 |
| 741 Sherwood Ave | 0.43mi | 4/2.0 | 1,646 (-15%) | 12mo | $129,000 | $78 | 43 |
| 3911 Arden Blvd | 0.54mi | 3/2.5 (-1) | 1,678 (-13%) | 2mo | $214,800 | $128 | 42 |
| 735 Linwood Ave | 0.73mi | 4/2.0 | 1,796 (-7%) | 12mo | $184,000 | $102 | 42 |
| 2243 Coleman Dr | 0.71mi | 4/2.0 | 1,684 (-13%) | 6mo | $176,500 | $105 | 38 |
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
- IRR
- -0.6%
- Equity multiple
- 0.98×
- Total profit
- $-925
- Equity at exit
- $23,096
- IRR
- 9.1%
- Equity multiple
- 1.70×
- Total profit
- $30,239
- Equity at exit
- $13,393
Cash invested: $43,372 (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
ZIP-level market 44511
- Home prices YoY
- -12.6%
- Active inventory
- 73
- Price-to-rent
- 7.5×
Monthly cashflow live
- Estimated rent
- $1,719 medium interval (Pro) →
- Mortgage (P&I)
- −$812
- Tax from tax record
- −$101 /mo · $1,212/yr
- Insurance
- −$65
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$361
- Net cashflow
- $380
Break-even live
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
- $38,725
- Closing costs
- $4,647
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 36 events
-
2026-06-13status $154,900 Pending 53 DOM
-
2026-06-10days on market $154,900 Contingent 53 DOM
-
2026-06-09days on market $154,900 Contingent 52 DOM
-
2026-06-08days on market $154,900 Contingent 51 DOM
-
2026-06-07days on market $154,900 Contingent 50 DOM
-
2026-06-03days on market $154,900 Contingent 46 DOM
-
2026-06-02days on market $154,900 Contingent 45 DOM
-
2026-06-01days on market $154,900 Contingent 44 DOM
-
2026-05-31days on market $154,900 Contingent 43 DOM
-
2026-05-30days on market $154,900 Contingent 42 DOM
-
2026-05-23historical Contingent
-
2026-05-21price $154,900
-
2026-05-04status Active
-
2026-04-20historical Contingent
-
2026-04-18$159,900 Active
-
2019-09-09historical
-
2019-08-26status Active
-
2019-08-22historical Contingent
-
2019-08-14price $96,900
-
2019-08-02$104,900 Active
-
2017-08-18soldstatus $62,000 Sold 991-char remark
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2017-08-18soldstatus $62,000
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2017-07-31status Pending 991-char remark
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2017-07-06status Active 991-char remark
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2017-06-17status Pending 991-char remark
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2017-06-08$69,900 Active 991-char remark
Show marketing remark (991 chars)
Beautiful brick colonial home by Mill Creek Park! Recently rehabbed , this 4 bedroom, 1.5 bath house is move in ready. The house has been well maintained with nice landscaping to greet you at the front porch. Enter in to the spacious living room with wood burning fireplace, large formal dining room, open eat-in kitchen, with appliances and butlers pantry. The 2nd floor has 4 bedrooms, plenty of closet space, built in drawers and linen closet, large updated bathroom, and a covered 2nd floor balcony. There's also a 3rd floor walk up attic that is great for storage and could potentially be furnished to a 5th bedroom, den, or man cave! Full Unfinished basement and a/c in home. The exterior is all brick and well constructed. Beautiful back yard with partial privacy fence. Covered back porch, shed, and 2 car garage. The yard has raised beds for flower or vegetable gardens ( seller is willing to leave or remove for new buyers preference). Home has been pre-inspected, and Home warra
-
2015-03-13historical
-
2015-03-04$60,000 Active
-
2015-02-27soldstatus $57,000 Sold
-
2014-08-18soldstatus $12,500
-
2014-06-02historical
-
2014-04-03$14,900
-
2014-03-17historical
-
2013-12-17$29,900
-
2006-09-14soldstatus $69,000
-
1991-05-13soldstatus $25,500
ⓘ 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
- $1,212 · $101/mo
- Projected year-2 tax
- $1,814 · $151/mo
- Expected delta
- +$602/yr (+$50/mo · 49.7%)
ⓘ 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 ≥96°F today · 17 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,627
- − Mortgage interest
- −$8,677
- − Property taxes
- −$1,212
- − Insurance
- −$774
- − Repairs & maintenance
- −$1,650
- − Management
- −$1,650
- − Depreciation
- −$4,506
- Taxable income
- $2,157
- Est. tax owed @ 24.0%
- −$518
- After-tax cash flow
- $4,043/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
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Youngstown, OH
- County
- Mahoning County · 84,956 people
- City population
- 28,503
- Metro
- Youngstown-Warren-Boardman, OH-PA
- Population (ZIP)
- 18,909
- Household income
- $56,880
- Rent vs Own
- Severe rent burden
- 336.0
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
- Majority White (64%)
- Race & ethnicity
- White 64% Black 23% Hispanic / Latino 8% Two or more races 7% Native American 1%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 4%
- Common ancestry
- Romanian 5% Lithuanian 1% Slovak 1%
- Foreign-born
- 1% · Canada
- Languages at home
- 96% English-only · Spanish 3%
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
- ▼ -40.81%
- Current HPI
- 283.9088
- 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 |
|
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Price history
+507.5% since first listed26 events — show timeline
- 2026-05-23 Contingent — MLSNOW
- 2026-05-21 Price Changed $154,900 MLSNOW
- 2026-05-04 Relisted — MLSNOW
- 2026-04-20 Contingent — MLSNOW
- 2026-04-18 Listed $159,900 MLSNOW
- 2019-09-09 Listing Removed — MLSNOW
- 2019-08-26 Relisted — MLSNOW
- 2019-08-22 Contingent — MLSNOW
- 2019-08-14 Price Changed $96,900 MLSNOW
- 2019-08-02 Listed $104,900 MLSNOW
- 2017-08-18 Sold (Public Records) $62,000 Public Records
- 2017-08-18 Sold (MLS) $62,000 MLSNOW
- 2017-07-31 Pending — MLSNOW
- 2017-07-06 Relisted — MLSNOW
- 2017-06-17 Pending — MLSNOW
- 2017-06-08 Listed $69,900 MLSNOW
- 2015-03-13 Listing Removed — MLSNOW
- 2015-03-04 Listed $60,000 MLSNOW
- 2015-02-27 Sold (MLS) $57,000 MLSNOW
- 2014-08-18 Sold (MLS) $12,500 MLSNOW
- 2014-06-02 Listing Removed — MLSNOW
- 2014-04-03 Listed $14,900 MLSNOW
- 2014-03-17 Listing Removed — MLSNOW
- 2013-12-17 Listed $29,900 MLSNOW
- 2006-09-14 Sold (Public Records) $69,000 Public Records
- 1991-05-13 Sold (Public Records) $25,500 Public Records
Property tax history
+3.4%/yrLatest (2025): $1,212 · -11.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…