726 N 5th St · Steubenville, OH 43952

$105,000

3 bd · 2.0 ba · 1,435 sqft · SingleFamily public records · 59 Days on market

Built 2003 5,662 sqft lot $73/sqft · 87% above area

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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 +25.8/30.0
• DSCR +8.6/10.0
• ARV discount +7.5/15.0
• Schools +6.0/10.0
• 1% rule +5.9/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This charming colonial home is a well kept 4 bedroom, 1.5 baths, 1 car detached garage. The home was built in 2003 and it features central air, a generous size living room, eat in kitchen and spacious bedrooms with adequate closet space.

Key facts

• 5,662 sq ft lot
• Garage
• Built 2003

Property features AI

Exterior

• Parking: Detached garage (1 car)
• Security: Smoke detectors
• Utilities: Public water; Public sewer
• Home design: 2-story home; Above-grade finished living area reported from public records
• Construction: Vinyl siding; Asphalt/fiberglass roof
• Exterior features: Front porch; Front yard; Back yard; Lot dimensions approximately 32 x 160

Interior

• Kitchen: Eat-in kitchen (First level)
• Bedrooms: Bedroom (Second level) — carpeted; Bedroom (Second level) — carpeted; Bedroom (Second level); Bedroom (Second level) — carpeted
• Flooring: Carpet in multiple rooms
• Bathrooms: 1 full bathroom; 1 half bathroom; Main level bathroom: 1
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Double-pane windows; Full basement
• Laundry & utility: Washer hookup in basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $256 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 5.2% in Steubenville — 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 76/100 on livability (#214 in OH, #3,318 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F, employment F.
• Steubenville City (urban): math 74% / reading 71% proficiency, ranked #150 of 656 in OH (top 23%) — strong family-tenant draw, lease renewals of 3-5y typical.
• Zoned schools: Pugliese Elementary West (math 92% / reading 92%, grade A+, #13 of 1,584 statewide, top 1%, 480 students, 0% FRL); Harding Middle School (math 68% / reading 61%, grade A-, #205 of 654 statewide, top 34%, 752 students, 0% FRL); Steubenville High School (math 72% / reading 77%, grade B+, #69 of 781 statewide, top 10%, 699 students, 0% FRL) — zoned schools average 0% FRL vs 54% district-wide (54 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 103 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 2 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Jefferson County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $101,850 (3.0% below list)

Questions for the listing agent

1. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-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?
4. 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.
5. 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.
6. 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: 1.09% ✓
• Cap rate: 9.22%
• Cash-on-cash: 10.45%
• DSCR: 1.46
• GRM: 7.6

CMA / ARV

• ARV (median comp): $56,095
• List price: $105,000
• Delta: 87.18%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
413 N 6th St	0.29mi	3/1.0	1,450 (+1%)	7mo	$60,000	$41	74
1222 Oregon Ave	0.60mi	3/1.0	1,424 (-1%)	3mo	$12,500	$9	64
1312 Wellesley Ave	0.67mi	3/2.0	1,470 (+2%)	5mo	$31,000	$21	61
507 Highland Ave	0.36mi	2/1.0 (-1)	1,304 (-9%)	2mo	$23,000	$18	58
1219 Oregon Ave	0.59mi	3/1.0	1,364 (-5%)	6mo	$120,500	$88	55
421 Darlington Rd	0.42mi	3/1.0	1,341 (-7%)	15mo	$15,000	$11	53
1315 Oregon Ave	0.67mi	4/2.0 (+1)	1,440 (+0%)	14mo	$18,000	$13	51
1318 Pennsylvania Ave	0.71mi	3/1.0	1,512 (+5%)	10mo	$10,000	$7	46
1316 Oregon Ave	0.69mi	3/1.0	1,508 (+5%)	14mo	$19,900	$13	43
1201 Wellesley Ave	0.54mi	3/1.0	1,280 (-11%)	16mo	$128,000	$100	40
1237 Maryland Ave	0.66mi	3/1.0	1,630 (+14%)	12mo	$60,500	$37	33
1223 Ridge Ave	0.66mi	3/1.0	1,636 (+14%)	12mo	$114,000	$70	32

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: -0.7%
• Equity multiple: 0.97×
• Total profit: $-740
• Equity at exit: $15,656

10-year hold

• IRR: 9.0%
• Equity multiple: 1.69×
• Total profit: $20,229
• Equity at exit: $9,078

Cash invested: $29,400 (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 43952

• Active inventory: 103
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,145 medium
• Mortgage (P&I): −$551
• Tax from tax record: −$54 /mo · $647/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$240
• Net cashflow: $256

Break-even live

Break-even rent $821

Max offer price $105,000

Occupancy floor 73%

Sensitivity live

Price	-10% $315	-5% $286	+0% $256	+5% $226	+10% $197
Rent	-10% $166	-5% $211	+0% $256	+5% $301	+10% $346
Rate	-1.0pp $309	-0.5pp $283	base $256	+0.5pp $229	+1.0pp $201

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1646 Ridge Ave Steubenville, OH	3.0	1.0	1220	$700	$0.57	45d	1	1.04mi

Listing history 18 events

1. 2026-06-22
   days on market $105,000 Active 59 DOM
2. 2026-06-19
   days on market $105,000 Active 56 DOM
3. 2026-06-18
   days on market $105,000 Active 55 DOM
4. 2026-06-17
   days on market $105,000 Active 54 DOM
5. 2026-06-16
   days on market $105,000 Active 53 DOM
6. 2026-06-15
   days on market $105,000 Active 52 DOM
7. 2026-06-14
   days on market $105,000 Active 50 DOM
8. 2026-06-12
   days on market $105,000 Active 49 DOM
9. 2026-06-09
   days on market $105,000 Active 46 DOM
10. 2026-06-08
    days on market $105,000 Active 45 DOM
11. 2026-06-07
    days on market $105,000 Active 44 DOM
12. 2026-06-05
    days on market $105,000 Active 42 DOM
13. 2026-06-04
    days on market $105,000 Active 40 DOM
14. 2026-06-02
    days on market $105,000 Active 39 DOM
15. 2026-06-01
    days on market $105,000 Active 38 DOM
16. 2026-05-31
    days on market $105,000 Active 37 DOM
17. 2026-05-31
    days on market $105,000 Active 36 DOM
18. 2026-04-24
    listed $105,000 Active 237-char remark

ⓘ 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: $647 · $54/mo
• Projected year-2 tax: $1,143 · $95/mo
• Expected delta: +$495/yr (+$41/mo · 76.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥97°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,736
• − Mortgage interest: −$5,882
• − Property taxes: −$647
• − Insurance: −$525
• − Repairs & maintenance: −$1,099
• − Management: −$1,099
• − Depreciation: −$3,055
• Taxable income: $1,430
• Est. tax owed @ 24.0%: −$343
• After-tax cash flow: $2,729/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: Steubenville City
• NCES district ID: 3904482
• Math proficiency: 74% ▼ -15.00%
• Reading proficiency: 71% ▼ -11.00%
• Median HH income: $29,668
• Composite: 59.52/100
• National rank: #920
• State rank: #150 of 656 in OH

Livability — Steubenville

• Score: 76/100
• State rank: #214
• US rank: #3318

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Steubenville, OH
• County: Jefferson County · 17,836 people
• City population: 17,836
• Metro: Weirton-Steubenville, WV-OH
• Population (ZIP): 17,836
• Household income: $47,624
• Rent vs Own: 40.5% rent · 59.5% own
• Severe rent burden: 601.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 63,481 people
• By 2030: 61,067 · -3.8%
• By 2040: 55,860 · -12.0%
• By 2050: 51,236 · -19.3%
• By 2075: 41,804 · -34.1%
• By 2100: 32,344 · -49.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 13% Two or more races 6% Hispanic / Latino 4%
• Common ancestry: Romanian 5% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Jefferson

• 2024 margin: Solid R (+43.9) · D 27.5% · R 71.4% · Other 1.1%
• 2008→2024 swing: -44.1pp toward R · 2008: 0.2pp · 2024: -43.9pp
• All cycles: 2024: R+43.9 2020: R+38.4 2016: R+35.7 2012: R+5.5 2008: D+0.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -124.13%
• Current HPI: 183.5034
• Rent YoY: —
• Metro: Weirton-Steubenville, WV-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

1 event — show timeline

• 2026-04-24 Listed $105,000 MLSNOW

Property tax history

+34.4%/yr

Latest (2025): $647 · +1.5% YoY. Source: county tax records.