577 Dover Pl · Toledo, OH 43605

$94,900

3 bd · 1.5 ba · 1,152 sqft · SingleFamily public records · 102 Days on market

Built 1926 4,200 sqft lot $82/sqft · 27% above area Est $75k · 27% 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 +25.8/30.0
• DSCR +8.6/10.0
• 1% rule +6.8/10.0
• Rent growth +3.8/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully refreshed rental home with a reliable tenant already in place paying $1,195/month, this property offers immediate income and stable cash flow for investors seeking a turnkey addition to their portfolio. This well-maintained 3-bedroom, 1.5-bath home features 1,152 sq ft of comfortable living space with a blend of modern upgrades and classic charm. Inside, you'll find original hardwood floors that add warmth and character on the main floor, and new carpet and trim upstairs. Kitchen renovation includes new floor, countertop and backsplash, hardware, and more. Bathroom renovation includes new floor, subfloor, toilet, fixtures, and more. Close to Downtown recreation and entertainment, Glass City and Middlegrounds Metroparks, shopping, restaurants, and commuter routes, this home benefits from steady rental demand and convenient access to everyday amenities. Offering strong returns, modern updates, and solid renter stability, this is an outstanding buy-and-hold opportunity at $95,900. Discover the unbeatable lifestyle Toledo has to offer—a vibrant city known for its affordability, natural beauty, and exceptional amenities. Residents enjoy access to some of the region's finest attractions, including the nationally acclaimed Toledo Zoo & Aquarium and the world-renowned Toledo Museum of Art, home to one of the most impressive collections in the country. Outdoor lovers appreciate Toledo's award-winning Metroparks system, featuring miles of scenic trails, kayaking, wildlife viewing, and year-round recreational opportunities. With the Maumee River and Lake Erie nearby, boating, fishing, and waterfront enjoyment are always within easy reach. Toledo also offers a flourishing dining and brewery scene, charming local shops, and exciting sporting events with the Toledo Mud Hens and Toledo Walleye—all without the high costs of big-city living. Its central location provides quick access to Ann Arbor, Detroit, and other major hubs, making it ideal for commuters and weekend adventurers. With its strong sense of community, affordable housing, and continually growing amenities, Toledo delivers a high-quality lifestyle with exceptional value—an outstanding place to call home.

Key facts

• Nearby maumee river
• Access to metroparks
• Kitchen renovation

Tags

• ORIGINAL HARDWOOD FLOORS
• KITCHEN RENOVATION
• BATHROOM RENOVATION
• CLOSE TO DOWNTOWN
• ACCESS TO METROPARKS
• NEARBY MAUMEE RIVER

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $229 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $86k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 7.6% in Toledo — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 66/100 on livability (#645 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, schools D-, crime F.
• Toledo City (urban): math 15% / reading 24% proficiency, ranked #634 of 656 in OH (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.4%/yr); 117 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).
• This rent runs 34% of the median local income ($39k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lucas County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.4% rent growth), your $27k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 102 days — a 9% lower offer ($86k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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 $72k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $86,359 (9.0% below list)

Questions for the listing agent

1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.18% ✓
• Cap rate: 9.19%
• Cash-on-cash: 10.36%
• DSCR: 1.46
• GRM: 7.1

CMA / ARV

• ARV (median comp): $74,614
• List price: $94,900
• Delta: 27.19%
• 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
2003 Idaho St	0.21mi	3/1.0	1,172 (+2%)	5mo	$120,000	$102	81
2017 Kelsey Ave	0.43mi	3/1.0	1,152 (0%)	1mo	$119,900	$104	77
1940 Hurd St	0.24mi	3/1.0	1,200 (+4%)	4mo	$99,900	$83	77
1130 Earlwood Ave	0.45mi	3/1.5	1,191 (+3%)	1mo	$185,000	$155	73
590 Sylvandale Ave	0.41mi	3/1.0	1,193 (+4%)	4mo	$180,000	$151	69
256 Midvale Ave	0.53mi	3/1.0	1,180 (+2%)	4mo	$137,300	$116	66
463 Howland Ave	0.33mi	3/1.0	1,027 (-11%)	4mo	$65,000	$63	61
444 Raymer Blvd	0.58mi	2/1.5 (-1)	1,283 (+11%)	5mo	$90,000	$70	45
932 Cresceus Rd	0.53mi	2/1.0 (-1)	983 (-15%)	4mo	$118,000	$120	41
1133 Nevada St	0.74mi	2/1.0 (-1)	1,044 (-9%)	4mo	$36,000	$34	40
328 White St	0.70mi	2/1.0 (-1)	1,000 (-13%)	1mo	$39,900	$40	38
2649 Luverne Ave	0.73mi	2/1.0 (-1)	1,023 (-11%)	4mo	$185,500	$181	37

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 · 5.37% rent growth · sell at horizon

5-year hold

• IRR: 1.9%
• Equity multiple: 1.07×
• Total profit: $1,970
• Equity at exit: $14,150

10-year hold

• IRR: 13.7%
• Equity multiple: 2.22×
• Total profit: $32,323
• Equity at exit: $8,205

Cash invested: $26,572 (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 43605

• Home prices YoY: -25.6%
• Rents YoY: 5.4%
• Active inventory: 117
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,116 high
• Mortgage (P&I): −$498
• Tax from tax record: −$115 /mo · $1,384/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$234
• Net cashflow: $229

Break-even live

Break-even rent $826

Max offer price $94,900

Occupancy floor 74%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2129 Nevada St Toledo, OH	3.0	1.0	1352	$1,200	$0.89	13d	1	0.05mi
722 Coyne Ave Toledo, OH	2.0	1.0	900	$1,000	$1.11	13d	1	0.17mi
732 Coyne Ave Toledo, OH	3.0	1.0	968	$1,145	$1.18	13d	1	0.19mi
2074 Starr Ave Toledo, OH	3.0	1.0	1115	$1,025	$0.92	23d	1	0.25mi
571 Howland Ave Toledo, OH	2.0	1.0	874	$875	$1.00	43d	1	0.30mi
508 Howland Ave Toledo, OH	3.0	1.0	840	$1,000	$1.19	43d	1	0.34mi
1614 Nevada St Toledo, OH	2.0	1.0	1172	$1,000	$0.85	21d	1	0.46mi
557 Valleywood Dr Toledo, OH	3.0	1.0	848	$1,100	$1.30	43d	1	0.49mi
1505 Navarre Ave Toledo, OH	3.0	1.0	1331	$1,145	$0.86	43d	1	0.59mi
948 White St Toledo, OH	3.0	1.0	1024	$1,135	$1.11	13d	1	0.71mi
223 Valleywood Dr Toledo, OH	2.0	1.0	1098	$1,099	$1.00	23d	1	0.71mi
724 Plymouth St Toledo, OH	2.0	1.0	819	$750	$0.92	43d	1	0.72mi
1123 Nevada St Toledo, OH	2.0	1.0	792	$900	$1.14	13d	1	0.76mi
1106 White St Toledo, OH	3.0	1.0	1200	$1,015	$0.85	13d	1	0.77mi
653 Oswald St Toledo, OH	2.0	1.0	920	$800	$0.87	43d	1	0.94mi
1103 S Wheeling St Oregon, OH	2.0	1.0	825	$1,049	$1.27	43d	1	0.96mi
908 Forsythe St Unit Downstairs Toledo, OH	3.0	1.0	1164	$950	$0.82	43d	1	1.03mi
908 Forsythe St Unit Upstairs Toledo, OH	2.0	1.0	1164	$900	$0.77	13d	1	1.03mi
1205 Liberty St Unit NA Toledo, OH	3.0	1.0	864	$1,195	$1.38	43d	1	1.07mi
921 Berry St Toledo, OH	4.0	1.0	1204	$1,350	$1.12	13d	1	1.07mi
221 Licking St Unit 2 Toledo, OH	3.0	1.0	1048	$1,099	$1.05	23d	1	1.07mi
29 Garfield Pl Toledo, OH	4.0	2.0	1300	$1,250	$0.96	13d	1	1.10mi
1306 Mott Ave Toledo, OH	3.0	1.5	1282	$1,149	$0.90	43d	1	1.11mi
1305 Mott Ave Toledo, OH	3.0	1.0	1080	$1,000	$0.93	43d	1	1.13mi
420 Platt St Toledo, OH	2.0	1.0	1499	$685	$0.46	21d	1	1.15mi
414 Platt St Unit ST-3 Toledo, OH	3.0	1.0	1500	$1,150	$0.77	23d	1	1.15mi
128 Carbon St Toledo, OH	3.0	1.0	1113	$1,200	$1.08	23d	1	1.20mi
2750 Pickle Rd Oregon, OH	2.0	1.0	800	$1,434	$1.79	23d	1	1.20mi
2750 Pickle Rd Oregon, OH	2.0	1.0	800	$953	$1.19	13d	1	1.20mi
1848 Genesee St Toledo, OH	3.0	1.0	1069	$1,300	$1.22	23d	1	1.26mi
1848 Genesee St Toledo, OH	3.0	1.0	1069	$1,200	$1.12	43d	1	1.26mi
946 Butler St Toledo, OH	2.0	1.0	944	$650	$0.69	43d	1	1.28mi
537 Potter St Toledo, OH	2.0	1.0	1200	$625	$0.52	23d	1	1.30mi
1964 Burr St Toledo, OH	3.0	1.0	1159	$1,250	$1.08	43d	1	1.31mi
1537 Carlyle St Toledo, OH	2.0	1.0	800	$800	$1.00	23d	1	1.31mi
470 2nd St Unit 1 Toledo, OH	2.0	1.0	950	$799	$0.84	43d	1	1.33mi
2337 Burnside Ave Oregon, OH	2.0	1.0	1025	$1,150	$1.12	13d	1	1.33mi
2401 Burnside Ave Oregon, OH	2.0	1.0	1025	$1,150	$1.12	13d	1	1.34mi
834 Oak St Toledo, OH	3.0	1.0	1064	$900	$0.85	43d	1	1.41mi
950 Oak St Unit 1 Toledo, OH	2.0	1.0	725	$700	$0.97	43d	1	1.46mi

Listing history 21 events

1. 2026-06-07
   statusdays on market $94,900 Pending 102 DOM
2. 2026-06-05
   days on market $94,900 Active 101 DOM
3. 2026-06-03
   days on market $94,900 Active 100 DOM
4. 2026-06-02
   days on market $94,900 Active 99 DOM
5. 2026-06-01
   days on market $94,900 Active 98 DOM
6. 2026-05-31
   days on market $94,900 Active 97 DOM
7. 2026-05-30
   days on market $94,900 Active 96 DOM
8. 2026-04-27
   price $94,900 2223-char remark

   Show marketing remark (2223 chars)

   Beautifully refreshed rental home with a reliable tenant already in place paying $1,195/month, this property offers immediate income and stable cash flow for investors seeking a turnkey addition to their portfolio. This well-maintained 3-bedroom, 1.5-bath home features 1,152 sq ft of comfortable living space with a blend of modern upgrades and classic charm. Inside, you'll find original hardwood floors that add warmth and character on the main floor, and new carpet and trim upstairs. Kitchen renovation includes new floor, countertop and backsplash, hardware, and more. Bathroom renovation includes new floor, subfloor, toilet, fixtures, and more. Close to Downtown recreation and entertainment, Glass City and Middlegrounds Metroparks, shopping, restaurants, and commuter routes, this home benefits from steady rental demand and convenient access to everyday amenities. Offering strong returns, modern updates, and solid renter stability, this is an outstanding buy-and-hold opportunity at $95,900. Discover the unbeatable lifestyle Toledo has to offer—a vibrant city known for its affordability, natural beauty, and exceptional amenities. Residents enjoy access to some of the region's finest attractions, including the nationally acclaimed Toledo Zoo & Aquarium and the world-renowned Toledo Museum of Art, home to one of the most impressive collections in the country. Outdoor lovers appreciate Toledo's award-winning Metroparks system, featuring miles of scenic trails, kayaking, wildlife viewing, and year-round recreational opportunities. With the Maumee River and Lake Erie nearby, boating, fishing, and waterfront enjoyment are always within easy reach. Toledo also offers a flourishing dining and brewery scene, charming local shops, and exciting sporting events with the Toledo Mud Hens and Toledo Walleye—all without the high costs of big-city living. Its central location provides quick access to Ann Arbor, Detroit, and other major hubs, making it ideal for commuters and weekend adventurers. With its strong sense of community, affordable housing, and continually growing amenities, Toledo delivers a high-quality lifestyle with exceptional value—an outstanding place to call home.

9. 2026-03-16
   status Active 2223-char remark

   Show marketing remark (2223 chars)

   Beautifully refreshed rental home with a reliable tenant already in place paying $1,195/month, this property offers immediate income and stable cash flow for investors seeking a turnkey addition to their portfolio. This well-maintained 3-bedroom, 1.5-bath home features 1,152 sq ft of comfortable living space with a blend of modern upgrades and classic charm. Inside, you'll find original hardwood floors that add warmth and character on the main floor, and new carpet and trim upstairs. Kitchen renovation includes new floor, countertop and backsplash, hardware, and more. Bathroom renovation includes new floor, subfloor, toilet, fixtures, and more. Close to Downtown recreation and entertainment, Glass City and Middlegrounds Metroparks, shopping, restaurants, and commuter routes, this home benefits from steady rental demand and convenient access to everyday amenities. Offering strong returns, modern updates, and solid renter stability, this is an outstanding buy-and-hold opportunity at $95,900. Discover the unbeatable lifestyle Toledo has to offer—a vibrant city known for its affordability, natural beauty, and exceptional amenities. Residents enjoy access to some of the region's finest attractions, including the nationally acclaimed Toledo Zoo & Aquarium and the world-renowned Toledo Museum of Art, home to one of the most impressive collections in the country. Outdoor lovers appreciate Toledo's award-winning Metroparks system, featuring miles of scenic trails, kayaking, wildlife viewing, and year-round recreational opportunities. With the Maumee River and Lake Erie nearby, boating, fishing, and waterfront enjoyment are always within easy reach. Toledo also offers a flourishing dining and brewery scene, charming local shops, and exciting sporting events with the Toledo Mud Hens and Toledo Walleye—all without the high costs of big-city living. Its central location provides quick access to Ann Arbor, Detroit, and other major hubs, making it ideal for commuters and weekend adventurers. With its strong sense of community, affordable housing, and continually growing amenities, Toledo delivers a high-quality lifestyle with exceptional value—an outstanding place to call home.

10. 2026-01-12
    status Pending 2223-char remark

    Show marketing remark (2223 chars)

    Beautifully refreshed rental home with a reliable tenant already in place paying $1,195/month, this property offers immediate income and stable cash flow for investors seeking a turnkey addition to their portfolio. This well-maintained 3-bedroom, 1.5-bath home features 1,152 sq ft of comfortable living space with a blend of modern upgrades and classic charm. Inside, you'll find original hardwood floors that add warmth and character on the main floor, and new carpet and trim upstairs. Kitchen renovation includes new floor, countertop and backsplash, hardware, and more. Bathroom renovation includes new floor, subfloor, toilet, fixtures, and more. Close to Downtown recreation and entertainment, Glass City and Middlegrounds Metroparks, shopping, restaurants, and commuter routes, this home benefits from steady rental demand and convenient access to everyday amenities. Offering strong returns, modern updates, and solid renter stability, this is an outstanding buy-and-hold opportunity at $95,900. Discover the unbeatable lifestyle Toledo has to offer—a vibrant city known for its affordability, natural beauty, and exceptional amenities. Residents enjoy access to some of the region's finest attractions, including the nationally acclaimed Toledo Zoo & Aquarium and the world-renowned Toledo Museum of Art, home to one of the most impressive collections in the country. Outdoor lovers appreciate Toledo's award-winning Metroparks system, featuring miles of scenic trails, kayaking, wildlife viewing, and year-round recreational opportunities. With the Maumee River and Lake Erie nearby, boating, fishing, and waterfront enjoyment are always within easy reach. Toledo also offers a flourishing dining and brewery scene, charming local shops, and exciting sporting events with the Toledo Mud Hens and Toledo Walleye—all without the high costs of big-city living. Its central location provides quick access to Ann Arbor, Detroit, and other major hubs, making it ideal for commuters and weekend adventurers. With its strong sense of community, affordable housing, and continually growing amenities, Toledo delivers a high-quality lifestyle with exceptional value—an outstanding place to call home.

11. 2025-12-22
    listed $95,900 Active 2223-char remark

    Show marketing remark (2223 chars)

    Beautifully refreshed rental home with a reliable tenant already in place paying $1,195/month, this property offers immediate income and stable cash flow for investors seeking a turnkey addition to their portfolio. This well-maintained 3-bedroom, 1.5-bath home features 1,152 sq ft of comfortable living space with a blend of modern upgrades and classic charm. Inside, you'll find original hardwood floors that add warmth and character on the main floor, and new carpet and trim upstairs. Kitchen renovation includes new floor, countertop and backsplash, hardware, and more. Bathroom renovation includes new floor, subfloor, toilet, fixtures, and more. Close to Downtown recreation and entertainment, Glass City and Middlegrounds Metroparks, shopping, restaurants, and commuter routes, this home benefits from steady rental demand and convenient access to everyday amenities. Offering strong returns, modern updates, and solid renter stability, this is an outstanding buy-and-hold opportunity at $95,900. Discover the unbeatable lifestyle Toledo has to offer—a vibrant city known for its affordability, natural beauty, and exceptional amenities. Residents enjoy access to some of the region's finest attractions, including the nationally acclaimed Toledo Zoo & Aquarium and the world-renowned Toledo Museum of Art, home to one of the most impressive collections in the country. Outdoor lovers appreciate Toledo's award-winning Metroparks system, featuring miles of scenic trails, kayaking, wildlife viewing, and year-round recreational opportunities. With the Maumee River and Lake Erie nearby, boating, fishing, and waterfront enjoyment are always within easy reach. Toledo also offers a flourishing dining and brewery scene, charming local shops, and exciting sporting events with the Toledo Mud Hens and Toledo Walleye—all without the high costs of big-city living. Its central location provides quick access to Ann Arbor, Detroit, and other major hubs, making it ideal for commuters and weekend adventurers. With its strong sense of community, affordable housing, and continually growing amenities, Toledo delivers a high-quality lifestyle with exceptional value—an outstanding place to call home.

12. 2025-10-14
    price $72,000 122-char remark

    Show marketing remark (122 chars)

    Nice house - fantastic 3 bedroom and 1.5 bath with heated and AC'd shop/garage, newer roof, HVAC, windows, more. Act fast!

13. 2025-08-04
    historical $1,195
14. 2025-06-11
    price $1,195
15. 2025-05-02
    listed $1,295
16. 2024-12-31
    soldstatus $72,000
17. 2024-12-13
    soldstatus $72,000 Closed 122-char remark

    Show marketing remark (122 chars)

    Nice house - fantastic 3 bedroom and 1.5 bath with heated and AC'd shop/garage, newer roof, HVAC, windows, more. Act fast!

18. 2024-11-26
    status Pending 122-char remark

    Show marketing remark (122 chars)

    Nice house - fantastic 3 bedroom and 1.5 bath with heated and AC'd shop/garage, newer roof, HVAC, windows, more. Act fast!

19. 2024-11-13
    listed $84,900 Active 122-char remark

    Show marketing remark (122 chars)

    Nice house - fantastic 3 bedroom and 1.5 bath with heated and AC'd shop/garage, newer roof, HVAC, windows, more. Act fast!

20. 2024-11-06
    historical $84,900 122-char remark

    Show marketing remark (122 chars)

    Nice house - fantastic 3 bedroom and 1.5 bath with heated and AC'd shop/garage, newer roof, HVAC, windows, more. Act fast!

21. 1998-05-28
    soldstatus $54,000

ⓘ 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: $1,384 · $115/mo
• Projected year-2 tax: $1,432 · $119/mo
• Expected delta: +$48/yr (+$4/mo · 3.5%)

ⓘ 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 ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,396
• − Mortgage interest: −$5,316
• − Property taxes: −$1,384
• − Insurance: −$474
• − Repairs & maintenance: −$1,072
• − Management: −$1,072
• − Depreciation: −$2,761
• Taxable income: $1,317
• Est. tax owed @ 24.0%: −$316
• After-tax cash flow: $2,436/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: Toledo City
• NCES district ID: 3904490
• Math proficiency: 15% ▼ -16.00%
• Reading proficiency: 24% ▼ -13.00%
• Median HH income: $32,137
• Composite: 15.76/100
• National rank: #9276
• State rank: #634 of 656 in OH

Livability — Toledo

• Score: 66/100
• State rank: #645
• US rank: #11442

Category grades

Amenities C- Commute F 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: Toledo, OH
• County: Lucas County · 380,724 people
• City population: 280,811
• Metro: Toledo, OH
• Population (ZIP): 24,441
• Household income: $39,118
• Rent vs Own: 51.9% rent · 48.1% own
• Severe rent burden: 1257.0

Population outlook (Lucas County) Hauer SSP2

• Today (2025): 420,751 people
• By 2030: 410,187 · -2.5%
• By 2040: 384,019 · -8.7%
• By 2050: 355,125 · -15.6%
• By 2075: 291,683 · -30.7%
• By 2100: 233,670 · -44.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 57% Hispanic / Latino 21% Black 14% Two or more races 14%
• Hispanic origin (detail): Mexican 17% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Portuguese 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 7% Arabic 1%

Political lean MEDSL · Lucas

• 2024 margin: D (+12.6) · D 55.8% · R 43.2%
• 2008→2024 swing: -18.9pp toward R · 2008: 31.4pp · 2024: 12.6pp
• All cycles: 2024: D+12.6 2020: D+16.8 2016: D+17.4 2012: D+30.4 2008: D+31.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -47.85%
• Current HPI: 138.6894
• Rent YoY: ▲ 5.37%
• Metro: Toledo, 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

+75.7% since first listed

14 events — show timeline

• 2026-04-27 Price Changed $94,900 NORIS
• 2026-03-16 Relisted — NORIS
• 2026-01-12 Pending — NORIS
• 2025-12-22 Listed $95,900 NORIS
• 2025-10-14 Price Changed $72,000 NORIS
• 2025-08-04 Rental Removed $1,195 APPFOLIO
• 2025-06-11 Price Changed $1,195 APPFOLIO
• 2025-05-02 Listed for Rent $1,295 APPFOLIO
• 2024-12-31 Sold (Public Records) $72,000 Public Records
• 2024-12-13 Sold (MLS) $72,000 NORIS
• 2024-11-26 Pending — NORIS
• 2024-11-13 Listed $84,900 NORIS
• 2024-11-06 Coming Soon $84,900 NORIS
• 1998-05-28 Sold (Public Records) $54,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $1,384 · +0.8% YoY. Source: county tax records.