914 Stewart Ave · Cambridge, OH 43725

$99,000

4 bd · 1.0 ba · 2,204 sqft · MultiFamily public records · 63 Days on market

Built 1920 8,276 sqft lot $45/sqft · 43% below area Est $172k · 43% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.4/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks MLS

Come see this large home on a sloping corner lot with 4 bedrooms, 2 baths and a spacious kitchen. Upstairs laundry and downstairs en suite add to the conveniences of this home. Fenced in back yard. 'Property is sold in AS IS CONDITION' Call you Realtor today for a viewing.

Key facts

• Sloping corner lot
• Downstairs en suite
• Spacious kitchen

Tags

• SLOPING CORNER LOT
• SPACIOUS KITCHEN
• UPSTAIRS LAUNDRY
• DOWNSTAIRS EN SUITE
• FENCED IN BACK YARD

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath multifamily listed at $99k.

Deal economics

• At list price, monthly cash flow is $624 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $93k (6.0% below list) — sets the bar for market timing.
• Cap rate 13.9% vs local median 5.7% in Cambridge — 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 68/100 on livability (#579 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities D-, commute F, employment D-.
• Cambridge City (town): math 28% / reading 42% proficiency, ranked #565 of 656 in OH (top 86%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 89 active listings in the ZIP; 37 units permitted in Guernsey County in 2024 (0 in 5+ unit buildings).
• This rent runs 40% of the median local income ($52k/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 $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Guernsey County population projected at -20% 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 $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($93k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 10y ago; this cycle's ask has dropped $15k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $93,060 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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. 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: 1.72% ✓
• Cap rate: 13.86%
• Cash-on-cash: 27.03%
• DSCR: 2.20
• GRM: 4.8

CMA / ARV

• ARV (median comp): $172,385
• List price: $99,000
• Delta: -42.57%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 N 9th St	0.21mi	4/—	2,340 (+6%)	17mo	$135,250	$58	66
412 N 7th St	0.22mi	5/2.0 (+1)	2,030 (-8%)	15mo	$126,500	$62	55

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: 21.0%
• Equity multiple: 1.86×
• Total profit: $23,772
• Equity at exit: $14,761

10-year hold

• IRR: 29.2%
• Equity multiple: 3.60×
• Total profit: $72,107
• Equity at exit: $8,560

Cash invested: $27,720 (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 43725

• Active inventory: 89
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,706 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$163 /mo · $1,959/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $624

Break-even live

Break-even rent $916

Max offer price $99,000

Occupancy floor 58%

Sensitivity live

Price	-10% $680	-5% $652	+0% $624	+5% $596	+10% $568
Rent	-10% $490	-5% $557	+0% $624	+5% $692	+10% $759
Rate	-1.0pp $674	-0.5pp $650	base $624	+0.5pp $599	+1.0pp $573

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Listing history 27 events

1. 2026-06-21
   days on market $99,000 Active 63 DOM
2. 2026-06-18
   days on market $99,000 Active 61 DOM
3. 2026-06-17
   days on market $99,000 Active 60 DOM
4. 2026-06-16
   days on market $99,000 Active 59 DOM
5. 2026-06-15
   days on market $99,000 Active 58 DOM
6. 2026-06-13
   days on market $99,000 Active 56 DOM
7. 2026-06-12
   days on market $99,000 Active 55 DOM
8. 2026-06-09
   days on market $99,000 Active 52 DOM
9. 2026-06-08
   days on market $99,000 Active 51 DOM
10. 2026-06-07
    days on market $99,000 Active 50 DOM
11. 2026-06-07
    days on market $99,000 Active 49 DOM
12. 2026-06-04
    days on market $99,000 Active 46 DOM
13. 2026-06-02
    days on market $99,000 Active 45 DOM
14. 2026-06-01
    days on market $99,000 Active 44 DOM
15. 2026-05-31
    days on market $99,000 Active 43 DOM
16. 2026-04-18
    listed $114,000 Active 273-char remark

    Show marketing remark (273 chars)

    Come see this large home on a sloping corner lot with 4 bedrooms, 2 baths and a spacious kitchen. Upstairs laundry and downstairs en suite add to the conveniences of this home. Fenced in back yard. 'Property is sold in AS IS CONDITION' Call you Realtor today for a viewing.

17. 2026-04-16
    listed $114,000 Active 286-char remark

    Show marketing remark (286 chars)

    Come see this large home on a sloping corner lot with 4 bedrooms, 2 baths and a spacious kitchen. Upstairs laundry and downstairs en suite add to the conveniences of this home. Fenced in back yard. ‘Property is sold in AS IS CONDITION” Call you Realtor today for a viewing.

18. 2021-11-18
    soldstatus $153,000 Closed
19. 2021-09-30
    status Pending
20. 2021-08-27
    historical Contingent
21. 2021-08-09
    price $157,400
22. 2021-08-04
    price $164,900
23. 2021-08-02
    price $174,900
24. 2021-07-28
    listed $180,000 Active
25. 2016-10-31
    soldstatus $90,000
26. 2016-08-16
    listed $86,000
27. 2007-07-31
    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: $1,959 · $163/mo
• Projected year-2 tax: $1,959 · $163/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥99°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,476
• − Mortgage interest: −$5,546
• − Property taxes: −$1,959
• − Insurance: −$495
• − Repairs & maintenance: −$1,638
• − Management: −$1,638
• − Depreciation: −$2,880
• Taxable income: $6,320
• Est. tax owed @ 24.0%: −$1,517
• After-tax cash flow: $5,975/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: Cambridge City
• NCES district ID: 3904369
• Math proficiency: 28% ▼ -28.00%
• Reading proficiency: 42% ▼ -17.00%
• Median HH income: $33,874
• Composite: 28.76/100
• National rank: #6673
• State rank: #565 of 656 in OH

Livability — Cambridge

• Score: 68/100
• State rank: #579
• US rank: #9829

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cambridge, OH
• County: Guernsey · 34,843 people
• Population (ZIP): 19,728
• Household income: $51,612
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 12.5

Population outlook (Guernsey County) Hauer SSP2

• Today (2025): 37,281 people
• By 2030: 35,900 · -3.7%
• By 2040: 32,861 · -11.9%
• By 2050: 29,700 · -20.3%
• By 2075: 22,199 · -40.5%
• By 2100: 15,192 · -59.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 3% Slovak 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Guernsey

• 2024 margin: Solid R (+52.1) · D 23.6% · R 75.7%
• 2008→2024 swing: -43.0pp toward R · 2008: -9.1pp · 2024: -52.1pp
• All cycles: 2024: R+52.1 2020: R+48.4 2016: R+42.6 2012: R+9.7 2008: R+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -167.03%
• Current HPI: 197.722
• 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

+225.7% since first listed

12 events — show timeline

• 2026-04-18 Listed $114,000 CBRMLS
• 2026-04-16 Listed $114,000 MLSNOW
• 2021-11-18 Sold (MLS) $153,000 MLSNOW
• 2021-09-30 Pending — MLSNOW
• 2021-08-27 Contingent — MLSNOW
• 2021-08-09 Price Changed $157,400 MLSNOW
• 2021-08-04 Price Changed $164,900 MLSNOW
• 2021-08-02 Price Changed $174,900 MLSNOW
• 2021-07-28 Listed $180,000 MLSNOW
• 2016-10-31 Sold (MLS) $90,000 MLSNOW
• 2016-08-16 Listed $86,000 MLSNOW
• 2007-07-31 Sold (Public Records) $35,000 Public Records

Property tax history

+9.9%/yr

Latest (2025): $1,959 · +2.7% YoY. Source: county tax records.