3222 Escott Ave · Toledo, OH 43614

$159,900

3 bd · 1.0 ba · 1,111 sqft · SingleFamily public records · 68 Days on market

Built 1947 5,000 sqft lot Est $176k · 9% under

---

Why this score? — see what drove the D+ 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 +14.2/30.0
• ARV discount +11.5/15.0
• Rent growth +4.5/5.0
• DSCR +4.3/10.0
• 1% rule +3.8/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Clean and well-maintained home with gorgeous hardwood floors! Second floor master offers large storage and skylights. Bathroom has a jacuzzi tub. Rec rooms adds additional living space. Glass block in basement provides natural light! 1-year home warranty offered!

Key facts

• 5,000 sq ft lot
• 2 garage spots
• Built 1947

Property features AI

Finance

• Other: Lot on a city street with asphalt road frontage; Lot size approximately 0.12 acre; Below-grade finished area present (finished basement space)

Exterior

• Parking: Detached garage; 2 parking spaces total; Driveway with ribbon concrete
• Utilities: Public water; Public sewer; 100 amp electric service; Natural gas available; Cable available; Internet available; Sewer connected; Water connected
• Home design: Single-family residence (house); One and one-half levels; No attached units or common walls
• Construction: Aluminum roof; Block foundation; Other construction materials; Public records used for year built
• Exterior features: Rear patio; Partial wood fencing

Interior

• Kitchen: Eat-in kitchen; Electric range; Refrigerator; Dishwasher not listed
• Bedrooms: Primary bedroom on main level with ceiling fan and wood flooring; Second bedroom on main level with wood flooring; Third bedroom on upper level with carpet
• Flooring: Wood flooring; Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Eat-in kitchen; Storage; Window coverings; Cove ceilings; Has basement; 6 total rooms
• Laundry & utility: Washer and dryer included; Laundry located in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $25 ($305/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 $140k (12.2% below list).
• Recommended offer: $140k (12.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, crime F, commute F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Beverly Elementary School (math 32% / reading 46%, grade F, #1,078 of 1,584 statewide, top 68%, 536 students, 48% FRL); Bowsher High School (math 23% / reading 45%, grade F, #596 of 781 statewide, top 76%, 1,240 students, 49% FRL) — zoned schools average 49% FRL vs 72% district-wide (23 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 36% at this address vs 20% district-wide (+17 pts) — the actual schools serving this property are materially stronger than the Toledo City average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+8.0%/yr); 71 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 43% of comp listings sitting > 30 days — soft ceiling on asking rent; 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).

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.
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y 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 $76k; list at $160k implies a 109% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1947 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $140,423 (12.2% below list)

Questions for the listing agent

1. It's been on market 68 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 1947 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.88% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.68%
• DSCR: 1.03
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $175,538
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3222 Escott Ave	0.00mi	3/1.0	1,111 (0%)	1mo	$159,000	$143	99
3205 Penrose Ave	0.09mi	3/1.5	1,114 (+0%)	6mo	$149,900	$135	88
4347 S Detroit Ave	0.28mi	3/2.0	1,210 (+9%)	2mo	$189,900	$157	67
3121 Daleford Dr	0.58mi	3/1.5	1,076 (-3%)	2mo	$153,500	$143	64
715 Carew Ln	0.66mi	3/1.0	1,153 (+4%)	1mo	$200,000	$173	62
1377 Kirk St	0.59mi	3/1.0	1,148 (+3%)	7mo	$181,000	$158	61
3905 Chipplegate Rd	0.55mi	3/1.0	1,180 (+6%)	4mo	$164,900	$140	60
1135 Richland St	0.51mi	3/1.0	1,008 (-9%)	7mo	$209,000	$207	55
1216 Cady St	0.54mi	3/1.5	1,232 (+11%)	1mo	$197,500	$160	54
851 Lamonde Dr	0.70mi	3/1.0	1,206 (+9%)	3mo	$185,000	$153	50
2944 Daleford Dr	0.69mi	3/1.5	1,204 (+8%)	3mo	$232,500	$193	50
5022 Stengel Ave	0.56mi	3/1.0	960 (-14%)	6mo	$166,500	$173	46

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -9.8%
• Equity multiple: 0.62×
• Total profit: $-16,862
• Equity at exit: $23,842

10-year hold

• IRR: 5.3%
• Equity multiple: 1.47×
• Total profit: $21,212
• Equity at exit: $13,825

Cash invested: $44,772 (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 43614

• Home prices YoY: -22.4%
• Rents YoY: 8.0%
• Active inventory: 71
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,404 high
• Mortgage (P&I): −$839
• Tax from tax record: −$179 /mo · $2,145/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $25

Break-even live

Break-even rent $1,372

Max offer price $159,900

Occupancy floor 93%

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1027 Valley Side Dr Maumee, OH	2.0	1.5	1260	$1,495	$1.19	23d	1	0.23mi
1010 Valley Side Dr Unit 1010 Maumee, OH	2.0	1.5	1260	$1,395	$1.11	13d	1	0.23mi
3025 S Byrne Rd Unit 1 Toledo, OH	3.0	1.0	1064	$1,095	$1.03	21d	1	0.44mi
1106 Hugo St Maumee, OH	3.0	1.0	1006	$1,595	$1.59	43d	1	0.64mi
3165 Glanzman Rd Toledo, OH	1.0–2.0	1.0	658	$799	$1.21	43d	1	0.97mi
2647 Eastgate Rd Toledo, OH	1.0–2.0	1.0	722	$1,209	$1.67	23d	1	1.21mi
3042 Cragmoor Ave Toledo, OH	3.0	1.0	1250	$1,800	$1.44	43d	1	1.40mi

Listing history 16 events

1. 2026-04-30
   historical Contingent
2. 2026-04-23
   status Active
3. 2026-04-13
   historical Contingent
4. 2026-03-21
   listed $159,900 Active
5. 2026-03-16
   historical $159,900
6. 2025-10-14
   price $76,500 265-char remark

   Show marketing remark (265 chars)

   Clean and well-maintained home with gorgeous hardwood floors! Second floor master offers large storage and skylights. Bathroom has a jacuzzi tub. Rec rooms adds additional living space. Glass block in basement provides natural light! 1-year home warranty offered!

7. 2016-06-24
   soldstatus $76,500
8. 2016-06-23
   soldstatus $76,500 265-char remark

   Show marketing remark (265 chars)

   Clean and well-maintained home with gorgeous hardwood floors! Second floor master offers large storage and skylights. Bathroom has a jacuzzi tub. Rec rooms adds additional living space. Glass block in basement provides natural light! 1-year home warranty offered!

9. 2016-06-10
   price $79,900 265-char remark

   Show marketing remark (265 chars)

   Clean and well-maintained home with gorgeous hardwood floors! Second floor master offers large storage and skylights. Bathroom has a jacuzzi tub. Rec rooms adds additional living space. Glass block in basement provides natural light! 1-year home warranty offered!

10. 2016-03-24
    listed $79,900 265-char remark

    Show marketing remark (265 chars)

    Clean and well-maintained home with gorgeous hardwood floors! Second floor master offers large storage and skylights. Bathroom has a jacuzzi tub. Rec rooms adds additional living space. Glass block in basement provides natural light! 1-year home warranty offered!

11. 2016-01-28
    historical
12. 2015-06-05
    listed $79,900
13. 2000-01-03
    soldstatus $75,000
14. 1991-10-25
    soldstatus $61,500
15. 1987-06-01
    soldstatus $45,000
16. 1978-06-07
    soldstatus $37,000

ⓘ 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: $2,145 · $179/mo
• Projected year-2 tax: $2,320 · $193/mo
• Expected delta: +$175/yr (+$15/mo · 8.1%)

ⓘ 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 ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,851
• − Mortgage interest: −$8,957
• − Property taxes: −$2,145
• − Insurance: −$800
• − Repairs & maintenance: −$1,348
• − Management: −$1,348
• − Depreciation: −$4,652
• Taxable loss: −$2,398
• Est. tax savings @ 24.0%: +$576
• After-tax cash flow: $881/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

Amenities C- Commute F 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: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 29,075
• Household income: $58,961
• Rent vs Own: 40.7% rent · 59.3% own
• Severe rent burden: 1407.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Black 21% Hispanic / Latino 7% Two or more races 4% Asian 2%
• Hispanic origin (detail): Mexican 6% Puerto Rican 1%
• Common ancestry: Romanian 8% Italian 5% Lithuanian 3%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Other Indo-European 1% Spanish 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.96%
• Current HPI: 214.7031
• Rent YoY: ▲ 8.03%
• Metro: Toledo, 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

+332.2% since first listed

16 events — show timeline

• 2026-04-30 Contingent — NORIS
• 2026-04-23 Relisted — NORIS
• 2026-04-13 Contingent — NORIS
• 2026-03-21 Listed $159,900 NORIS
• 2026-03-16 Coming Soon $159,900 NORIS
• 2025-10-14 Price Changed $76,500 NORIS
• 2016-06-24 Sold (Public Records) $76,500 Public Records
• 2016-06-23 Sold (MLS) $76,500 NORIS
• 2016-06-10 Price Changed $79,900 NORIS
• 2016-03-24 Listed $79,900 NORIS
• 2016-01-28 Listing Removed — NORIS
• 2015-06-05 Listed $79,900 NORIS
• 2000-01-03 Sold (Public Records) $75,000 Public Records
• 1991-10-25 Sold (Public Records) $61,500 Public Records
• 1987-06-01 Sold (Public Records) $45,000 Public Records
• 1978-06-07 Sold (Public Records) $37,000 Public Records

Property tax history

+1.8%/yr

Latest (2025): $2,145 · -0.0% YoY. Source: county tax records.