2020 Jefferson Ave · Huntington, WV 25704

$85,000

3 bd · 1.0 ba · 1,150 sqft · SingleFamily public records · 46 Days on market

Built 1945 5,663 sqft lot Est $92k · 8% 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 +10.9/15.0
• DSCR +10.0/10.0
• 1% rule +7.4/10.0
• Livability +4.0/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Double width fenced lot! One floor plan home in West Huntington on a quiet street. Easy access to Downtown, I-64 and more. Engineering report in file. 1 car carport with additional off street parking. Comfortable front porch, small rear deck and a storage building.

Key facts

• Quiet street
• Off street parking
• Carport

Tags

• FENCED LOT
• ONE FLOOR PLAN HOME
• QUIET STREET
• EASY ACCESS TO DOWNTOWN
• CARPORT
• OFF STREET PARKING

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-family residence; Single story
• Construction: Vinyl siding
• Exterior features: Deck; Porch; Chain link fence; Level lot

Interior

• Kitchen: Range; Oven; Refrigerator; Dishwasher
• Flooring: Vinyl flooring; Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric central heating; Central air; Ceiling fans
• Interior features: Ceiling fans; Central air
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $333 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.0% vs local median 6.5% in Huntington — 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 79/100 on livability (#16 in WV, #2,045 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Cabell County Schools (urban): math 31% / reading 42% proficiency, ranked #13 of 55 in WV (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Central City Elementary School (math 22% / reading 22%, grade F, #324 of 377 statewide, top 89%, 407 students, 0% FRL); Huntington High School (math 26% / reading 50%, grade F, #31 of 110 statewide, top 28%, 1,704 students, 0% FRL) — zoned schools average 0% FRL vs 47% district-wide (47 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 76 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 61 units permitted in Cabell County in 2024 (5 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $82,450 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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 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: 1.24% ✓
• Cap rate: 11.00%
• Cash-on-cash: 16.80%
• DSCR: 1.75
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $92,000
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1648 Jefferson Ave	0.31mi	3/2.0	1,104 (-4%)	7mo	$88,000	$80	69
2126 Jefferson Ave	0.12mi	3/2.0	1,200 (+4%)	19mo	$98,500	$82	68
2210 Adams Ave	0.17mi	3/1.0	1,224 (+6%)	19mo	$48,000	$39	66
302 Clemens Ct	0.30mi	3/1.0	1,008 (-12%)	2mo	$133,900	$133	64
311 W 24th St	0.38mi	3/2.0	1,264 (+10%)	0mo	$100,000	$79	61
2917 Auburn Rd	0.67mi	3/1.5	1,164 (+1%)	10mo	$134,967	$116	57
329 Bernard St	0.29mi	3/1.0	1,032 (-10%)	18mo	$124,500	$121	54
527 26th St W	0.41mi	2/1.0 (-1)	1,080 (-6%)	18mo	$40,000	$37	50
2945 Piedmont Rd	0.68mi	2/2.0 (-1)	1,241 (+8%)	2mo	$55,000	$44	45
1585 S 19th Street St W	0.62mi	3/1.5	1,248 (+8%)	16mo	$95,000	$76	42
417 27th Street St W	0.52mi	3/2.0	998 (-13%)	11mo	$105,000	$105	40
2928 Chase St	0.65mi	2/1.0 (-1)	1,008 (-12%)	15mo	$69,900	$69	31

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: 7.9%
• Equity multiple: 1.31×
• Total profit: $7,406
• Equity at exit: $12,674

10-year hold

• IRR: 17.2%
• Equity multiple: 2.41×
• Total profit: $33,610
• Equity at exit: $7,349

Cash invested: $23,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State West Virginia: 83 Strongly Landlord-Friendly · R+22
• County: — inherits STATE
• City: — inherits STATE

Landlord-favorable; preempted; minimal protections.

Methodology + full state rankings →

ZIP-level market 25704

• Home prices YoY: -13.7%
• Active inventory: 76
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,050 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$15 /mo · $182/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$220
• Net cashflow: $333

Break-even live

Break-even rent $628

Max offer price $85,000

Occupancy floor 63%

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2956 Auburn Rd Huntington, WV	1.0–2.0	1.0	767	$1,050	$1.37	43d	2	0.75mi

Listing history 17 events

1. 2026-06-19
   days on market $85,000 Active 46 DOM
2. 2026-06-18
   days on market $85,000 Active 45 DOM
3. 2026-06-17
   days on market $85,000 Active 44 DOM
4. 2026-06-16
   days on market $85,000 Active 43 DOM
5. 2026-06-15
   days on market $85,000 Active 42 DOM
6. 2026-06-14
   days on market $85,000 Active 40 DOM
7. 2026-06-12
   days on market $85,000 Active 39 DOM
8. 2026-06-09
   days on market $85,000 Active 36 DOM
9. 2026-06-08
   days on market $85,000 Active 35 DOM
10. 2026-06-07
    days on market $85,000 Active 34 DOM
11. 2026-06-05
    days on market $85,000 Active 31 DOM
12. 2026-06-03
    days on market $85,000 Active 30 DOM
13. 2026-06-02
    days on market $85,000 Active 29 DOM
14. 2026-06-01
    days on market $85,000 Active 28 DOM
15. 2026-05-31
    days on market $85,000 Active 27 DOM
16. 2026-05-30
    days on market $85,000 Active 26 DOM
17. 2026-05-02
    listed $85,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WV · Resets to sale price

• Current annual tax: $182 · $15/mo
• Projected year-2 tax: $502 · $42/mo
• Expected delta: +$320/yr (+$27/mo · 175.6%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥102°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,600
• − Mortgage interest: −$4,761
• − Property taxes: −$182
• − Insurance: −$425
• − Repairs & maintenance: −$1,008
• − Management: −$1,008
• − Depreciation: −$2,473
• Taxable income: $2,743
• Est. tax owed @ 24.0%: −$658
• After-tax cash flow: $3,340/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: Cabell County Schools
• NCES district ID: 5400180
• Math proficiency: 31% ▼ -7.00%
• Reading proficiency: 42% ▼ -6.00%
• Median HH income: $36,426
• Composite: 30.26/100
• National rank: #6285
• State rank: #13 of 55 in WV

Livability — Huntington

• Score: 79/100
• State rank: #16
• US rank: #2045

Category grades

Amenities A+ Commute A+ 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: Huntington, WV
• City population: 25,795
• Population (ZIP): 14,413

Population outlook (Cabell County) Hauer SSP2

• Today (2025): 97,574 people
• By 2030: 98,060 · +0.5%
• By 2040: 98,817 · +1.3%
• By 2050: 100,185 · +2.7%
• By 2075: 105,895 · +8.5%
• By 2100: 105,948 · +8.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Black 2%
• Common ancestry: Italian 3% Serbian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · French/Haitian/Cajun 1%

Political lean MEDSL · Cabell

• 2024 margin: Strong R (+21.9) · D 38.0% · R 59.9% · Other 2.0%
• 2008→2024 swing: -11.8pp toward R · 2008: -10.1pp · 2024: -21.9pp
• All cycles: 2024: R+21.9 2020: R+18.0 2016: R+25.5 2012: R+13.9 2008: R+10.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.21%
• Current HPI: 202.1322
• Rent YoY: —
• Metro: —
• State GDP YoY: —
• F500 in state: 0

Price history

1 event — show timeline

• 2026-05-02 Listed $85,000 HBRMLS

Property tax history

+1.0%/yr

Latest (2025): $182 · +30.4% YoY. Source: county tax records.