548 Cambridge Ave · Youngstown, OH 44502

$84,500

3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 8 Days on market

Built 1953 5,619 sqft lot Est $63k · 33% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• Appreciation +5.9/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Beautiful 3 bedroom, 1 bath Cape Cod boasting ceramic tiles in living room , kitchen and bathroom . Two bedrooms on main level and 1 on upper level with hardwood floors. New windows and bathroom remodeled in 2019. Eight minutes from Boardman and Akron Children's Hospital.

Key facts

• Covered front porch
• First floor bedrooms
• Full tile bathroom

Tags

• FIRST FLOOR BEDROOMS
• SPACIOUS UPSTAIRS BEDROOM
• FULL TILE BATHROOM
• COVERED FRONT PORCH
• FULLY PAINTED BASEMENT
• PAVED DRIVEWAY

Property features AI

Finance

• Financial info: Annual taxes reported

Exterior

• Parking: Detached garage (1 car)
• Utilities: Public sewer; Public water
• Home design: Single-story; Approx. 1,056 above-grade finished area; Home warranty included
• Construction: Vinyl siding; Asphalt/fiberglass roof
• Exterior features: Paved surfaces; Public sewer; Public water

Interior

• Bedrooms: 2 main-level bedrooms
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Baseboard heating (gas); Central air conditioning
• Interior features: Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $84k.

Deal economics

• At list price, monthly cash flow is $398 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $84k).
• Cap rate 11.9% vs local median 7.0% in Youngstown — 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 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Youngstown City (urban): math 8% / reading 17% proficiency, ranked #649 of 656 in OH (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 88% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 45 active listings in the ZIP; 7 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; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• This rent runs 45% of the median local income ($31k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($584 loan paydown + $2k appreciation (1.8% local appreciation)).
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.8% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y 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.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $84,500

Questions for the listing agent

1. Built in 1953 — 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. 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?
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: 1.37% ✓
• Cap rate: 11.95%
• Cash-on-cash: 20.20%
• DSCR: 1.90
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $63,360
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
347 E Ravenwood Ave	0.19mi	3/1.0	1,062 (+1%)	8mo	$60,000	$56	83
3005 Rush Blvd	0.39mi	3/1.0	1,160 (+10%)	2mo	$26,000	$22	64
359 Potomac Ave	0.28mi	4/1.0 (+1)	1,180 (+12%)	1mo	$122,500	$104	62
4206 Rush Blvd	0.64mi	3/1.5	1,016 (-4%)	1mo	$149,500	$147	60
221 E Avondale Ave	0.42mi	3/1.0	1,181 (+12%)	3mo	$53,000	$45	58
308 E Lucius Ave	0.28mi	3/1.0	912 (-14%)	11mo	$42,000	$46	55
1146 Detroit Ave	0.66mi	3/2.0	1,042 (-1%)	12mo	$115,360	$111	53
1321 Detroit Ave	0.71mi	3/2.0	1,001 (-5%)	2mo	$60,000	$60	53
544 Miller St	0.61mi	3/1.5	1,170 (+11%)	3mo	$47,000	$40	49
808 Marmion Ave	0.49mi	2/1.5 (-1)	928 (-12%)	5mo	$96,600	$104	46
603 E Indianola Ave	0.52mi	4/2.0 (+1)	1,196 (+13%)	8mo	$45,000	$38	38
1140 Inverness Ave	0.61mi	3/2.0	1,210 (+15%)	10mo	$99,000	$82	34

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

Projected returns pro-forma

1.78% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.9%
• Equity multiple: 2.28×
• Total profit: $30,184
• Equity at exit: $32,312

10-year hold

• IRR: 26.0%
• Equity multiple: 4.33×
• Total profit: $78,869
• Equity at exit: $45,762

Cash invested: $23,660 (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 44502

• Home prices YoY: 0.7%
• Active inventory: 45
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,160 high
• Mortgage (P&I): −$443
• Tax from tax record: −$40 /mo · $477/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$244
• Net cashflow: $398

Break-even live

Break-even rent $656

Max offer price $84,500

Occupancy floor 61%

Sensitivity live

Price	-10% $446	-5% $422	+0% $398	+5% $374	+10% $350
Rent	-10% $307	-5% $352	+0% $398	+5% $444	+10% $490
Rate	-1.0pp $441	-0.5pp $420	base $398	+0.5pp $376	+1.0pp $354

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: $21,125
• Closing costs: $2,535
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
512 E Philadelphia Ave Unit 1 Youngstown, OH	2.0	1.0	1200	$899	$0.75	21d	1	0.33mi
236 Hilton Ave Youngstown, OH	4.0	1.5	1488	$1,195	$0.80	21d	1	0.39mi
4322 Southern Blvd Youngstown, OH	2.0	1.0	1000	$875	$0.88	14d	1	0.99mi
3446 Ambert Ave Youngstown, OH	4.0	1.0	1100	$1,250	$1.14	14d	1	1.06mi
158 Beechwood Dr Youngstown, OH	3.0	1.5	1438	$1,100	$0.76	14d	1	1.08mi
1803 Pointview Ave Youngstown, OH	2.0	1.0	950	$1,000	$1.05	44d	1	1.17mi
1914 S Heights Ave Youngstown, OH	3.0	1.0	1115	$1,950	$1.75	44d	1	1.27mi

Listing history 8 events

1. 2026-06-19
   days on market $84,500 Active 8 DOM
2. 2026-06-18
   days on market $84,500 Active 7 DOM
3. 2026-06-17
   days on market $84,500 Active 6 DOM
4. 2026-06-16
   days on market $84,500 Active 5 DOM
5. 2026-06-15
   days on market $84,500 Active 4 DOM
6. 2026-06-14
   days on market $84,500 Active 2 DOM
7. 2026-06-13
   remarks 544-char remark
8. 2026-06-13
   listed $84,500 Active 1 DOM

ⓘ 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: $477 · $40/mo
• Projected year-2 tax: $898 · $75/mo
• Expected delta: +$421/yr (+$35/mo · 88.2%)

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,920
• − Mortgage interest: −$4,733
• − Property taxes: −$477
• − Insurance: −$422
• − Repairs & maintenance: −$1,114
• − Management: −$1,114
• − Depreciation: −$2,458
• Taxable income: $3,602
• Est. tax owed @ 24.0%: −$864
• After-tax cash flow: $3,915/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: Youngstown City
• NCES district ID: 3904516
• Math proficiency: 8% ▼ -15.00%
• Reading proficiency: 17% ▼ -10.00%
• Median HH income: $25,257
• Composite: 9.29/100
• National rank: #9858
• State rank: #649 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Youngstown, OH
• County: Mahoning County · 84,956 people
• City population: 28,503
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 9,594
• Household income: $31,170
• Rent vs Own: 51.2% rent · 48.8% own
• Severe rent burden: 566.0

Population outlook (Mahoning County) Hauer SSP2

• Today (2025): 223,932 people
• By 2030: 218,387 · -2.5%
• By 2040: 205,367 · -8.3%
• By 2050: 193,606 · -13.5%
• By 2075: 173,694 · -22.4%
• By 2100: 151,147 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 44% Black 35% Two or more races 12% Hispanic / Latino 11%
• Hispanic origin (detail): Mexican 1% Puerto Rican 9%
• Common ancestry: Romanian 2% Serbian 1% Iranian 1%
• Foreign-born: 4% · Canada
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Arabic 1%

Political lean MEDSL · Mahoning

• 2024 margin: Lean R (+9.4) · D 44.9% · R 54.4%
• 2008→2024 swing: -36.1pp toward R · 2008: 26.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+1.9 2016: D+3.0 2012: D+27.7 2008: D+26.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.78%
• Current HPI: 246.2163
• Rent YoY: —
• Metro: Youngstown-Warren-Boardman, OH-PA
• 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

+302.4% since first listed

11 events — show timeline

• 2026-06-11 Listed $84,500 MLSNOW
• 2024-02-13 Pending — MLSNOW
• 2024-02-07 Sold (Public Records) $246,000 Public Records
• 2024-02-07 Sold (MLS) $82,000 MLSNOW
• 2023-12-19 Contingent — MLSNOW
• 2023-12-03 Price Changed $85,000 MLSNOW
• 2023-11-17 Price Changed $89,500 MLSNOW
• 2023-10-25 Price Changed $95,000 MLSNOW
• 2023-10-08 Price Changed $110,000 MLSNOW
• 2023-10-04 Listed $128,000 MLSNOW
• 2014-12-01 Sold (Public Records) $21,000 Public Records

Property tax history

-2.0%/yr

Latest (2025): $477 · -11.8% YoY. Source: county tax records.