112 Valencia St · Cincinnati, OH
Flood risk 8/10 · Major
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.78%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $713 – $1,323
Heat risk 4/10 · Minor
- Hot days now (above 103°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 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 +26.2/30.0
- ARV discount +15.0/15.0
- DSCR +8.8/10.0
- 1% rule +6.5/10.0
- Livability +4.0/5.0
- Rent growth +3.0/5.0
- Schools +2.5/10.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$335,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
Key facts
- Custom cabinetry
- Dedicated full bath
- Gourmet kitchen
Tags
Property features AI
Finance
- Other: Residential zoning; Lot less than 0.5 acre (approx. 0.084 acres)
- HOA & community: No HOA
Exterior
- Parking: On-street parking
- Utilities: Public water; Public sewer; Natural gas; Electric water heater
- Home design: Traditional / Historical style; Single-family home; Three or more levels; Stone foundation; Faces Mt. Auburn area
- Construction: Brick construction; Shingle roof; Vinyl windows
- Exterior features: Front porch; City street access
Interior
- Kitchen: Laminate and marble/granite/slate surfaces; Appliances included: Dishwasher, Oven/Range, Refrigerator
- Bedrooms: 4 bedrooms total; Primary bedroom on level 2 with fireplace (14 x 14); Bedroom 2 on level 2 (10 x 11); Bedroom 3 on level 3 (15 x 19); Bedroom 4 on level 3 (13 x 12)
- Flooring: Laminate flooring in kitchen, dining room, living room, and entry
- Bathrooms: Two full bathrooms (located on level 2); Two half/partial bathrooms (one on level 1 and one on level 3); Primary bathroom includes a shower
- Heating & cooling: Forced air heating (gas); Central air conditioning; Ceiling fans
- Interior features: 9-foot (or taller) ceilings; Ceiling fan; CO detector; Recessed lighting; Full unfinished basement
- Laundry & utility: Full unfinished basement (utility/storage space)
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.0-bath single-family listed at $335k.
Deal economics
- At list price, monthly cash flow is $794 ($10k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $335k).
- Recommended offer: $305k (9.0% below list) — sets the bar for market timing.
- Cap rate 9.3% vs local median 3.9% in Cincinnati — 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 80/100 on livability (#130 in OH, #1,856 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
- Cincinnati Public Schools (urban): math 25% / reading 36% proficiency, ranked #581 of 656 in OH (top 89%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising (+2.1%/yr); 71 active listings in the ZIP; 40 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; 801 units permitted in Hamilton County in 2024 (190 in 5+ unit buildings).
- At $3,837/mo this rent would consume 129% of the median local household income ($36k/yr) (locally 2461% of renters already pay >50% of income on rent) — 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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
Negotiation context
- It's been on market 101 days — a 9% lower offer ($305k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 15y ago; this cycle's ask has dropped $85k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $133k; list at $335k implies a 152% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: flood insurance adds $56/mo; built in 1915 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 101 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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
- 1.15% ✓
- Cap rate
- 9.34%
- Cash-on-cash
- 10.87%
- DSCR
- 1.48
- GRM
- 7.3
CMA / ARV
- ARV (on-the-fly)
- $598,810
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1797 Sycamore St | 0.38mi | 3/2.5 (-1) | 2,320 (-0%) | 0mo | $560,000 | $241 | 74 |
| 2312 Highland Ave | 0.52mi | 4/3.0 | 2,434 (+4%) | 3mo | $390,000 | $160 | 62 |
| 2238 Maplewood Ave | 0.45mi | 4/2.5 | 2,536 (+9%) | 10mo | $475,000 | $187 | 54 |
| 2130 Loth St | 0.25mi | 3/2.5 (-1) | 2,010 (-14%) | 9mo | $420,000 | $209 | 51 |
| 1828 Republic St | 0.48mi | 3/2.5 (-1) | 2,467 (+6%) | 13mo | $650,000 | $263 | 50 |
| 541 Ringgold St | 0.67mi | 3/3.5 (-1) | 2,239 (-4%) | 5mo | $575,000 | $257 | 47 |
| 446 Boal St | 0.68mi | 3/3.0 (-1) | 2,204 (-5%) | 6mo | $695,000 | $315 | 45 |
| 2427 Dover St | 0.75mi | 3/2.0 (-1) | 2,651 (+14%) | 2mo | $110,000 | $41 | 36 |
| 548 Slack St | 0.70mi | 3/3.5 (-1) | 2,056 (-12%) | 3mo | $595,000 | $289 | 34 |
| 2241 Flora St | 0.67mi | 4/2.0 | 1,981 (-15%) | 11mo | $342,000 | $173 | 34 |
| 1622 Walnut St | 0.62mi | 3/3.5 (-1) | 2,607 (+12%) | 12mo | $710,000 | $272 | 30 |
| 432 Milton St | 0.68mi | 4/4.0 | 2,664 (+14%) | 11mo | $795,000 | $298 | 27 |
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 · 2.07% rent growth · sell at horizon
- IRR
- -2.1%
- Equity multiple
- 0.92×
- Total profit
- $-7,269
- Equity at exit
- $49,950
- IRR
- 6.6%
- Equity multiple
- 1.47×
- Total profit
- $44,492
- Equity at exit
- $28,965
Cash invested: $93,800 (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 45219
- Home prices YoY
- -28.3%
- Rents YoY
- 2.1%
- Active inventory
- 71
- Price-to-rent
- 7.3×
Monthly cashflow live
- Estimated rent
- $3,837 high interval (Pro) →
- Mortgage (P&I)
- −$1,757
- Tax from tax record
- −$286 /mo · $3,428/yr
- Insurance
- −$140
- Flood insurance flood zone
- −$56 /mo · $666/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$806
- Net cashflow
- $794
Break-even live
Sensitivity live
| Price | -10% $984 | -5% $889 | +0% $794 | +5% $699 | +10% $604 |
|---|---|---|---|---|---|
| Rent | -10% $491 | -5% $642 | +0% $794 | +5% $945 | +10% $1,097 |
| Rate | -1.0pp $963 | -0.5pp $879 | base $794 | +0.5pp $707 | +1.0pp $619 |
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
- $83,750
- Closing costs
- $10,050
- 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.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2271 Vine St Cincinnati, OH | 4.0 | 2.0 | 2268 | $1,525 | $0.67 | 4d | 1 | 0.11mi |
| 7 W Hollister St Cincinnati, OH | 5.0 | 2.0 | 1585 | $2,750 | $1.74 | 15d | 1 | 0.24mi |
| 216 Gilman Ave Unit 1363975P Cincinnati, OH | 3.0 | 1.0 | 1776 | $3,474 | $1.96 | 3d | 1 | 0.30mi |
| 236 Gilman Ave Cincinnati, OH | 3.0 | 2.5 | 1699 | $2,200 | $1.29 | 13d | 1 | 0.34mi |
| 55 Mulberry St Cincinnati, OH | 3.0 | 3.0 | 2500 | $3,500 | $1.40 | 24d | 1 | 0.37mi |
| 107 E Clifton Ave Unit 1234537P Cincinnati, OH | 2.0–3.0 | 1.0–2.0 | 2260 | $6,619 | $2.93 | 15d | 2 | 0.40mi |
| 2386 Wheeler St Cincinnati, OH | 4.0 | 1.0 | 1740 | $2,700 | $1.55 | 24d | 1 | 0.49mi |
| 2388 Wheeler St Cincinnati, OH | 4.0 | 2.0 | 1740 | $2,700 | $1.55 | 24d | 1 | 0.49mi |
| 2332 Chickasaw St Unit 1 Cincinnati, OH | 3.0 | 1.0 | 2000 | $1,800 | $0.90 | 24d | 1 | 0.53mi |
| 2317 Chickasaw St Cincinnati, OH | 5.0 | 2.0 | 2826 | $2,750 | $0.97 | 15d | 1 | 0.54mi |
| 328 Mulberry St Cincinnati, OH | 3.0 | 3.5 | 2640 | $5,500 | $2.08 | 24d | 1 | 0.55mi |
| 328 Mulberry St Cincinnati, OH | 3.0 | 3.5 | 2640 | $5,500 | $2.08 | 15d | 1 | 0.55mi |
| 2105 Burnet Ave Unit 1056017P Cincinnati, OH | 4.0 | 2.0 | 2960 | $7,384 | $2.49 | 2d | 1 | 0.59mi |
| 2235 Victor St Cincinnati, OH | 4.0 | 2.0 | 2043 | $2,250 | $1.10 | 24d | 1 | 0.61mi |
| 2800 Jefferson Ave Cincinnati, OH | 4.0 | 2.0 | 2500 | $625 | $0.25 | 20d | 1 | 0.62mi |
| 111 W Elder St Unit 1056044P Cincinnati, OH | 1.0–4.0 | 1.0–4.0 | 1835 | $7,140 | $3.89 | 11d | 2 | 0.62mi |
| 2231 Flora St Cincinnati, OH | 4.0 | 2.0 | 1728 | $1,500 | $0.87 | 24d | 1 | 0.65mi |
| 1610 Pleasant St Unit 1056041P Cincinnati, OH | 3.0–4.0 | 2.0–3.0 | 2960 | $7,037 | $2.38 | 11d | 2 | 0.72mi |
| 2813 Gerard St Unit 1540075P Cincinnati, OH | 4.0 | 3.0 | 2152 | $6,281 | $2.92 | 20d | 1 | 0.73mi |
| 1537 Republic St Unit 1058850P Cincinnati, OH | 4.0 | 3.0 | 2421 | $10,677 | $4.41 | 21d | 1 | 0.74mi |
| 21 E 15th St Unit 1512946P Cincinnati, OH | 3.0 | 2.0 | 2852 | $12,830 | $4.50 | 24d | 1 | 0.76mi |
| 1354 Broadway Unit 1056136P Cincinnati, OH | 4.0 | 3.0 | 2529 | $7,307 | $2.89 | 3d | 1 | 0.77mi |
| 241 E University Ave Cincinnati, OH | 5.0 | 2.0 | 1836 | $4,000 | $2.18 | 24d | 1 | 0.82mi |
| 1424 Pleasant St Unit 1056038P Cincinnati, OH | 4.0 | 3.0 | 2960 | $7,167 | $2.42 | 15d | 1 | 0.87mi |
| 2421 Fairview Ave Cincinnati, OH | 5.0 | 2.0 | 2400 | $3,300 | $1.38 | 24d | 1 | 0.89mi |
| 1304 Broadway Unit 1056130P Cincinnati, OH | 1.0–5.0 | 1.0–4.0 | 2072 | $7,152 | $3.45 | 11d | 2 | 0.89mi |
| 120 E 13th St Unit 1056091P Cincinnati, OH | 4.0 | 2.0 | 3229 | $10,667 | $3.30 | 21d | 1 | 0.89mi |
| 126 E 13th St Unit 1056025P Cincinnati, OH | 5.0 | 4.0 | 2960 | $5,339 | $1.80 | 3d | 1 | 0.90mi |
| 242 Stetson St Unit NA Cincinnati, OH | 3.0 | 2.5 | 2300 | $3,500 | $1.52 | 21d | 1 | 0.95mi |
| 516 E 12th St Unit 1314562P Cincinnati, OH | 4.0 | 2.0 | 2023 | $10,170 | $5.03 | 24d | 1 | 0.96mi |
| 2517 May St Cincinnati, OH | 3.0 | 3.5 | 2014 | $3,420 | $1.70 | 21d | 1 | 0.98mi |
| 2601 May St Cincinnati, OH | 2.0–3.0 | 2.5–3.5 | 1737 | $3,325 | $1.91 | 2d | 12 | 1.00mi |
| 2704 W McMicken Ave Unit 2 Cincinnati, OH | 3.0 | 1.0 | 1760 | $1,500 | $0.85 | 24d | 1 | 1.07mi |
| 1287 Ida St Cincinnati, OH | 3.0 | 2.5 | 2494 | $4,700 | $1.88 | 17d | 1 | 1.08mi |
| 918 Windsor St Cincinnati, OH | 3.0 | 1.0 | 2583 | $1,675 | $0.65 | 24d | 1 | 1.16mi |
| 623 Riddle Rd Cincinnati, OH | 3.0 | 2.0 | 2028 | $1,800 | $0.89 | 24d | 1 | 1.17mi |
| 923 Paradrome St Cincinnati, OH | 3.0 | 2.5 | 2098 | $3,000 | $1.43 | 24d | 1 | 1.19mi |
| 923 Rogers Pl Cincinnati, OH | 3.0 | 1.0 | 2061 | $1,600 | $0.78 | 24d | 1 | 1.22mi |
| 595 Martin Luther King Dr W Cincinnati, OH | 3.0 | 2.0 | 2048 | $1,650 | $0.81 | 11d | 1 | 1.41mi |
| 2331 Park Ave Unit 1 Cincinnati, OH | 3.0 | 2.5 | 2200 | $2,350 | $1.07 | 2d | 1 | 1.41mi |
Listing history 30 events
-
2026-06-18days on market $335,000 Active 101 DOM
-
2026-06-17price $335,000 Active 100 DOM
-
2026-06-17days on market $350,000 Active 100 DOM
-
2026-06-16days on market $350,000 Active 99 DOM
-
2026-06-15days on market $350,000 Active 98 DOM
-
2026-06-13days on market $350,000 Active 96 DOM
-
2026-06-13days on market $350,000 Active 95 DOM
-
2026-06-09days on market $350,000 Active 92 DOM
-
2026-06-08days on market $350,000 Active 91 DOM
-
2026-06-07days on market $350,000 Active 90 DOM
-
2026-06-03days on market $350,000 Active 86 DOM
-
2026-06-02days on market $350,000 Active 85 DOM
-
2026-06-01days on market $350,000 Active 84 DOM
-
2026-05-31days on market $350,000 Active 83 DOM
-
2026-05-06price $379,900
-
2026-04-08price $399,900
-
2026-03-27price $409,900
-
2026-03-09$419,900 Active
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-03-09historical 715-char remark
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-02-17price $424,000 715-char remark
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-01-29price $429,000 715-char remark
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-01-17$439,000 Active 715-char remark
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-01-17$439,000 Active
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2026-01-17historical
Show marketing remark (715 chars)
Beautifully renovated 4 bedroom, 2 full bath, 2 partial bath home in the heart of Mt. Auburn, updated top to bottom across all three levels. This spacious home features four large bedrooms, including an owner's suite with a private full bath. The main level is ideal for everyday living and entertaining with a convenient half bath and a stunning kitchen offering brand new stainless steel appliances, new cabinetry, and modern countertops. All new mechanicals and quality finishes throughout make this home truly move in ready. Property is eligible for a tax abatement, which could save the new owner thousands of dollars. Ideally located just minutes from downtown Cincinnati and all of its dining, entertainment.
-
2023-08-28soldstatus $133,000
-
2013-08-31historical
-
2012-08-18$3,000
-
2011-12-31historical
-
2011-06-16$7,000
-
2001-11-02soldstatus $73,500
ⓘ 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
- $3,428 · $286/mo
- Projected year-2 tax
- $4,327 · $361/mo
- Expected delta
- +$899/yr (+$75/mo · 26.2%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 8/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 4/10 Moderate 7 d/yr ≥103°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
- $46,047
- − Mortgage interest
- −$18,765
- − Property taxes
- −$3,428
- − Insurance
- −$2,342
- − Repairs & maintenance
- −$3,684
- − Management
- −$3,684
- − Depreciation
- −$9,745
- Taxable income
- $4,400
- Est. tax owed @ 24.0%
- −$1,056
- After-tax cash flow
- $8,471/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
- Cincinnati Public Schools
- NCES district ID
- 3904375
- Math proficiency
- 25% ▼ -19.00%
- Reading proficiency
- 36% ▼ -14.00%
- Median HH income
- $35,743
- Composite
- 25.21/100
- National rank
- #7508
- State rank
- #581 of 656 in OH
Livability — Cincinnati
- Score
- 80/100
- State rank
- #130
- US rank
- #1856
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Cincinnati, OH
- County
- Hamilton County · 701,295 people
- City population
- 505,555
- Metro
- Cincinnati, OH-KY-IN
- Population (ZIP)
- 20,012
- Household income
- $35,657
- Rent vs Own
- Severe rent burden
- 2461.0
Population outlook (Hamilton County) Hauer SSP2
- Today (2025)
- 826,054 people
- By 2030
- 830,947 · +0.6%
- By 2040
- 832,319 · +0.8%
- By 2050
- 822,428 · -0.4%
- By 2075
- 788,688 · -4.5%
- By 2100
- 710,674 · -14.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (67%)
- Race & ethnicity
- White 67% Black 16% Asian 7% Two or more races 6% Hispanic / Latino 4%
- Common ancestry
- Romanian 3% Italian 2% Slovak 1%
- Foreign-born
- 10% · China, Canada
- Languages at home
- 88% English-only · Chinese 3% Spanish 2% Other Indo-European 2%
Political lean MEDSL · Hamilton
- 2024 margin
- D (+14.9) · D 57.0% · R 42.1%
- 2008→2024 swing
- +7.9pp toward D · 2008: 7.0pp · 2024: 14.9pp
- All cycles
- 2024: D+14.9 2020: D+15.9 2016: D+9.5 2012: D+4.9 2008: D+7.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -134.46%
- Current HPI
- 340.1262
- Rent YoY
- ▲ 2.07%
- Metro
- Cincinnati, OH-KY-IN
- State GDP YoY
- ▲ 1.98%
- F500 in state
- 48
Industry mix (Fortune 500 HQ in OH)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Insurance | 3 | $145B |
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| Industrial Machinery | 3 | $49B |
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| Financial Services | 3 | $24B |
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| Consumer Goods | 2 | $93B |
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| Aerospace / Defense | 2 | $47B |
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| Utilities | 2 | $33B |
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Price history
+416.9% since first listed16 events — show timeline
- 2026-05-06 Price Changed $379,900 Cincy MLS
- 2026-04-08 Price Changed $399,900 Cincy MLS
- 2026-03-27 Price Changed $409,900 Cincy MLS
- 2026-03-09 Listing Removed — Cincy MLS
- 2026-03-09 Listed $419,900 Cincy MLS
- 2026-02-17 Price Changed $424,000 Cincy MLS
- 2026-01-29 Price Changed $429,000 Cincy MLS
- 2026-01-17 Listing Removed — Cincy MLS
- 2026-01-17 Listed $439,000 Cincy MLS
- 2026-01-17 Listed $439,000 Cincy MLS
- 2023-08-28 Sold (Public Records) $133,000 Public Records
- 2013-08-31 Listing Removed — Cincy MLS
- 2012-08-18 Listed $3,000 Cincy MLS
- 2011-12-31 Listing Removed — Cincy MLS
- 2011-06-16 Listed $7,000 Cincy MLS
- 2001-11-02 Sold (Public Records) $73,500 Public Records
Property tax history
+22.0%/yrLatest (2025): $3,428 · +0.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…