1706 18th St · Huntington, WV 25701

$35,900

3 bd · 2.0 ba · 1,568 sqft · SingleFamily public records · 222 Days on market

Built 1920 ↓ 35% since listing

---

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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• Livability +4.0/5.0
• Schools +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Huntington, Large 3 bedroom 2 bath home

Key facts

• Built 1920
• Listed 221 days

Property features AI

Exterior

• Home design: Residential property
• Construction: Concrete perimeter foundation
• Exterior features: Shingle roof

Interior

• Flooring: Hardwood; Vinyl; Laminate
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: No heating; No cooling
• Interior features: Laminate counters; Hardwood flooring; Vinyl flooring; Laminate flooring; 6 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $36k.

Deal economics

• At list price, monthly cash flow is $774 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $36k).
• Recommended offer: $32k (12.0% below list) — sets the bar for market timing.
• Cap rate 34.0% 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: schools C-, 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.
• Market conditions: Rents rising fast (+10.6%/yr); 127 active listings in the ZIP; 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 $248 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $10k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 222 days — a 12% lower offer ($32k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $31,592 (12.0% below list)

Questions for the listing agent

1. It's been on market 222 days. Have you received any prior offers? Is the seller open to a 12% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 3.78% ✓
• Cap rate: 34.03%
• Cash-on-cash: 99.05%
• DSCR: 5.41
• GRM: 2.2

CMA / ARV

• ARV (on-the-fly): $148,960
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1666 Glenway Ln	0.21mi	3/2.0	1,534 (-2%)	1mo	$179,000	$117	86
1830 Hall Ave	0.28mi	3/1.5	1,520 (-3%)	3mo	$3,000	$2	78
1536 18th St	0.09mi	3/2.0	1,428 (-9%)	4mo	$103,000	$72	78
1953 Underwood Ave	0.24mi	3/2.0	1,655 (+6%)	3mo	$143,344	$87	77
1307 13th St	0.60mi	3/1.5	1,568 (0%)	2mo	$198,000	$126	69
1739 Doulton Ave	0.45mi	4/2.0 (+1)	1,530 (-2%)	3mo	$144,900	$95	67
1334 Enslow Blvd	0.54mi	3/2.0	1,644 (+5%)	6mo	$155,500	$95	62
1333 14th St	0.47mi	3/1.0	1,685 (+8%)	0mo	$113,141	$67	61
2050 Donald Ave	0.72mi	3/2.0	1,574 (+0%)	6mo	$170,000	$108	61
1618 Wiltshire Blvd	0.32mi	3/1.5	1,342 (-14%)	2mo	$115,000	$86	57
1502 Washington Blvd	0.46mi	3/2.0	1,390 (-11%)	5mo	$187,000	$135	55
1822 16th Street Road Rd	0.52mi	2/1.5 (-1)	1,784 (+14%)	6mo	$190,000	$107	41

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 99.1%
• Equity multiple: 6.04×
• Total profit: $50,709
• Equity at exit: $5,353

10-year hold

• IRR: —
• Equity multiple: 14.98×
• Total profit: $140,480
• Equity at exit: $3,104

Cash invested: $10,052 (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 25701

• Home prices YoY: -8.7%
• Rents YoY: 10.6%
• Active inventory: 127
• Price-to-rent: 2.2×

Monthly cashflow live

• Estimated rent: $1,356 medium
• Mortgage (P&I): −$188
• Tax from tax record: −$39 /mo · $464/yr
• Insurance: −$15
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $774

Break-even live

Break-even rent $376

Max offer price $35,900

Occupancy floor 38%

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: $8,975
• Closing costs: $1,077
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-19
   days on market $35,900 Active 222 DOM
2. 2026-06-18
   days on market $35,900 Active 221 DOM
3. 2026-06-17
   days on market $35,900 Active 220 DOM
4. 2026-06-16
   days on market $35,900 Active 219 DOM
5. 2026-06-15
   days on market $35,900 Active 218 DOM
6. 2026-06-14
   days on market $35,900 Active 216 DOM
7. 2026-06-12
   days on market $35,900 Active 215 DOM
8. 2026-06-09
   days on market $35,900 Active 212 DOM
9. 2026-06-08
   days on market $35,900 Active 211 DOM
10. 2026-06-07
    days on market $35,900 Active 210 DOM
11. 2026-06-05
    days on market $35,900 Active 207 DOM
12. 2026-06-03
    days on market $35,900 Active 206 DOM
13. 2026-06-02
    days on market $35,900 Active 205 DOM
14. 2026-06-01
    days on market $35,900 Active 204 DOM
15. 2026-05-31
    days on market $35,900 Active 203 DOM
16. 2026-05-30
    days on market $35,900 Active 202 DOM
17. 2026-04-30
    price $35,900
18. 2026-03-21
    price $39,900
19. 2026-02-13
    price $42,900
20. 2026-01-01
    price $45,900
21. 2025-12-09
    price $49,900
22. 2025-11-09
    listed $54,900 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: $464 · $39/mo
• Projected year-2 tax: $464 · $39/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 7/10 Severe FEMA zone X (unshaded) · 97% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥102°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,277
• − Mortgage interest: −$2,011
• − Property taxes: −$464
• − Insurance: −$846
• − Repairs & maintenance: −$1,302
• − Management: −$1,302
• − Depreciation: −$1,044
• Taxable income: $9,308
• Est. tax owed @ 24.0%: −$2,234
• After-tax cash flow: $7,056/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
• County: Cabell County · 30,893 people
• City population: 25,795
• Metro: Huntington-Ashland, WV-KY-OH
• Population (ZIP): 21,197
• Household income: $56,292
• Rent vs Own: 41.2% rent · 58.8% own
• Severe rent burden: 1186.0

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 (82%)
• Race & ethnicity: White 82% Black 8% Two or more races 6% Hispanic / Latino 2% Asian 2%
• Common ancestry: Slovak 4% Italian 2% Serbian 2%
• Foreign-born: 2% · China
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1% Chinese 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: ▼ -19.39%
• Current HPI: 202.9629
• Rent YoY: ▲ 10.58%
• Metro: Huntington-Ashland, WV-KY-OH
• State GDP YoY: —
• F500 in state: 0

Price history

-34.6% since first listed

6 events — show timeline

• 2026-04-30 Price Changed $35,900 GVBOR
• 2026-03-21 Price Changed $39,900 GVBOR
• 2026-02-13 Price Changed $42,900 GVBOR
• 2026-01-01 Price Changed $45,900 GVBOR
• 2025-12-09 Price Changed $49,900 GVBOR
• 2025-11-09 Listed $54,900 GVBOR

Property tax history

+0.1%/yr

Latest (2020): $464 · +0.7% YoY. Source: county tax records.