415 Whitely St · Bridgeport, OH 43912

$89,000

2 bd · 1.5 ba · 1,622 sqft · SingleFamily public records · 30 Days on market

Built 1880 4,499 sqft lot Est $78k · 14% over

---

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 +23.3/30.0
• DSCR +7.5/10.0
• Appreciation +6.4/10.0
• 1% rule +6.2/10.0
• Schools +4.4/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.1/15.0

Listing remarks MLS

Spacious, well maintained home ready to be moved into. House includes first floor laundry, 2 full upgraded bathrooms that feature custom tile work and a jetted Jacuzzi tub. Home has an abundance of storage and great spaces for entertaining including a covered front porch and a deck on the side of the house. Per owner: roof 2014, furnace 2016, electrical has been updated, some ceilings and flooring new.

Key facts

• Large eat-in kitchen
• Convenient access
• Updated bathrooms

Tags

• UPDATED BATHROOMS
• LARGE EAT-IN KITCHEN
• BACK PORCH
• CONVENIENT ACCESS

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: 2-story house; Vinyl siding; Asphalt roof
• Construction: Built (year per public records); Vinyl siding construction; Asphalt roof
• Exterior features: Public water; Public sewer; Lot approximately 0.1033 acres

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bathrooms: 2 full bathrooms; 1 main-level bathroom
• Heating & cooling: Central air conditioning; Forced air heating (gas)
• Interior features: Unfinished basement; 6 total rooms

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $162 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($993 rent vs $89k).
• Recommended offer: $88k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 75/100 on livability (#239 in OH, #3,844 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Bridgeport Exempted Village (suburban): math 49% / reading 57% proficiency, ranked #429 of 656 in OH (top 65%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 41 active listings in the ZIP; 4 units permitted in Belmont County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($615 loan paydown + $2k appreciation (2.7% local appreciation)).
• Belmont County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.7% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y 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 $73k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $87,665 (1.5% below list)

Questions for the listing agent

1. Built in 1880 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.12% ✓
• Cap rate: 8.48%
• Cash-on-cash: 7.82%
• DSCR: 1.35
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $77,856
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
514 Bennett St	0.11mi	3/3.0 (+1)	1,742 (+7%)	15mo	$57,500	$33	59
67764 Kirkwood Heights Rd	0.41mi	3/1.5 (+1)	1,712 (+6%)	11mo	$164,000	$96	57
8 Spring St	0.41mi	3/1.5 (+1)	1,500 (-8%)	8mo	$120,000	$80	57
405 South Broadway St	0.68mi	2/1.0	1,600 (-1%)	13mo	$65,000	$41	53
799 803 Howard St	0.30mi	3/2.0 (+1)	1,528 (-6%)	22mo	$110,000	$72	51
1039 Howard St	0.52mi	3/2.0 (+1)	1,504 (-7%)	10mo	$72,100	$48	48
842 Main St	0.62mi	2/1.0	1,547 (-5%)	16mo	$8,000	$5	48
1111 Howard St	0.58mi	2/1.0	1,536 (-5%)	18mo	$24,900	$16	47
67578 Kirkwood Heights Rd	0.53mi	3/2.0 (+1)	1,420 (-12%)	11mo	$205,000	$144	38
71 Indiana St	0.70mi	2/1.5	1,470 (-9%)	17mo	$43,000	$29	38
67695 Alexander Rd	0.36mi	3/2.5 (+1)	1,824 (+12%)	22mo	$340,000	$186	35

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

2.71% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.1%
• Equity multiple: 1.79×
• Total profit: $19,747
• Equity at exit: $38,594

10-year hold

• IRR: 16.1%
• Equity multiple: 3.31×
• Total profit: $57,523
• Equity at exit: $58,393

Cash invested: $24,920 (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 43912

• Home prices YoY: 1.7%
• Active inventory: 41
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $993 medium
• Mortgage (P&I): −$467
• Tax from tax record: −$119 /mo · $1,422/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$209
• Net cashflow: $162

Break-even live

Break-even rent $788

Max offer price $89,000

Occupancy floor 79%

Sensitivity live

Price	-10% $213	-5% $188	+0% $162	+5% $137	+10% $112
Rent	-10% $84	-5% $123	+0% $162	+5% $202	+10% $241
Rate	-1.0pp $207	-0.5pp $185	base $162	+0.5pp $139	+1.0pp $116

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-21
   days on market $89,000 Active 30 DOM
2. 2026-06-19
   pricedays on market $89,000 Active 28 DOM
3. 2026-06-18
   days on market $93,000 Active 27 DOM
4. 2026-06-17
   days on market $93,000 Active 26 DOM
5. 2026-06-16
   days on market $93,000 Active 25 DOM
6. 2026-06-15
   days on market $93,000 Active 24 DOM
7. 2026-06-14
   days on market $93,000 Active 22 DOM
8. 2026-06-12
   days on market $93,000 Active 21 DOM
9. 2026-06-09
   days on market $93,000 Active 18 DOM
10. 2026-06-08
    days on market $93,000 Active 17 DOM
11. 2026-06-07
    days on market $93,000 Active 16 DOM
12. 2026-06-03
    days on market $93,000 Active 12 DOM
13. 2026-06-02
    days on market $93,000 Active 11 DOM
14. 2026-06-01
    days on market $93,000 Active 10 DOM
15. 2026-05-31
    days on market $93,000 Active 9 DOM
16. 2026-05-30
    days on market $93,000 Active 8 DOM
17. 2026-05-22
    listed $93,000 Active
18. 2017-10-20
    soldstatus $73,000 405-char remark

    Show marketing remark (405 chars)

    Spacious, well maintained home ready to be moved into. House includes first floor laundry, 2 full upgraded bathrooms that feature custom tile work and a jetted Jacuzzi tub. Home has an abundance of storage and great spaces for entertaining including a covered front porch and a deck on the side of the house. Per owner: roof 2014, furnace 2016, electrical has been updated, some ceilings and flooring new.

19. 2017-08-25
    listed $75,500 405-char remark

    Show marketing remark (405 chars)

    Spacious, well maintained home ready to be moved into. House includes first floor laundry, 2 full upgraded bathrooms that feature custom tile work and a jetted Jacuzzi tub. Home has an abundance of storage and great spaces for entertaining including a covered front porch and a deck on the side of the house. Per owner: roof 2014, furnace 2016, electrical has been updated, some ceilings and flooring new.

20. 2017-08-19
    historical
21. 2016-07-19
    listed $79,500

ⓘ 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: $1,422 · $119/mo
• Projected year-2 tax: $1,422 · $119/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 3/10 Moderate FEMA zone X (unshaded) · 12% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 20 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,920
• − Mortgage interest: −$4,985
• − Property taxes: −$1,422
• − Insurance: −$445
• − Repairs & maintenance: −$954
• − Management: −$954
• − Depreciation: −$2,589
• Taxable income: $571
• Est. tax owed @ 24.0%: −$137
• After-tax cash flow: $1,812/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: Bridgeport Exempted Village
• NCES district ID: 3904523
• Math proficiency: 49% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $31,819
• Composite: 43.51/100
• National rank: #2992
• State rank: #429 of 656 in OH

Livability — Bridgeport

• Score: 75/100
• State rank: #239
• US rank: #3844

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bridgeport, OH
• County: Belmont · 63,139 people
• Metro: Wheeling, WV-OH
• Population (ZIP): 5,852
• Household income: $51,753
• Rent vs Own: 28.3% rent · 71.7% own
• Severe rent burden: 8.1

Population outlook (Belmont County) Hauer SSP2

• Today (2025): 66,568 people
• By 2030: 64,818 · -2.6%
• By 2040: 60,702 · -8.8%
• By 2050: 56,427 · -15.2%
• By 2075: 46,222 · -30.6%
• By 2100: 34,611 · -48.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 6% Black 4% Hispanic / Latino 2%
• Common ancestry: Romanian 8% Slovak 2% Lithuanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Belmont

• 2024 margin: Solid R (+47.3) · D 26.0% · R 73.3%
• 2008→2024 swing: -50.0pp toward R · 2008: 2.7pp · 2024: -47.3pp
• All cycles: 2024: R+47.3 2020: R+43.6 2016: R+39.5 2012: R+8.4 2008: D+2.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.71%
• Current HPI: 159.7811
• 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

+17.0% since first listed

5 events — show timeline

• 2026-05-22 Listed $93,000 MLSNOW
• 2017-10-20 Sold (MLS) $73,000 MLSNOW
• 2017-08-25 Listed $75,500 MLSNOW
• 2017-08-19 Listing Removed — MLSNOW
• 2016-07-19 Listed $79,500 MLSNOW

Property tax history

+6.6%/yr

Latest (2025): $1,422 · +2.3% YoY. Source: county tax records.