54059 Stop 32 Rd · Blaine, OH 43912

$125,000

4 bd · 1.0 ba · 1,800 sqft · SingleFamily public records · 72 Days on market

Built 1923 0.33 ac lot $69/sqft · 32% below area Est $185k · 32% under

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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 +18.7/30.0
• ARV discount +15.0/15.0
• Appreciation +6.4/10.0
• DSCR +5.9/10.0
• Schools +4.4/10.0
• 1% rule +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to 54059 Stop 32 Road in Bridgeport, a charming 4-bedroom, 1-bath home tucked away on a quiet road. This property offers the perfect balance of privacy and convenience, with a peaceful riverside setting without being located in a flood zone. Inside, you’ll find a spacious and inviting layout highlighted by a great kitchen that’s perfect for everyday living and entertaining. Downstairs is the perfect workshop area and storage with a half bathroom as well! Step outside to a relaxing deck where you can unwind, enjoy the views, and take in the calm surroundings. Don’t forget the amazing deck as well, which gives amazing views of the town and the creek! Whether you're looking for a full-time residence or a quiet retreat, this home offers comfort, space, and a unique location that’s hard to find. Mineral Rights will convey!

Key facts

• Great kitchen
• Private road
• Mineral rights

Tags

• PRIVATE ROAD
• RIVERSIDE SETTING
• GREAT KITCHEN
• RELAXING DECK
• MINERAL RIGHTS

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $123 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $114k (9.2% below list).
• Recommended offer: $114k (9.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• 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: 40 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 $4k of equity ($864 loan paydown + $3k 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 $35k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $21k; list at $125k implies a 490% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1923 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $113,559 (9.2% below list)

Questions for the listing agent

1. It's been on market 72 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 1923 — 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. 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: 0.91% ✗
• Cap rate: 7.48%
• Cash-on-cash: 4.23%
• DSCR: 1.19
• GRM: 9.2

CMA / ARV

• ARV (median comp): $184,607
• List price: $125,000
• Delta: -32.29%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
68133 Blaine Chermont Rd	0.38mi	3/2.0 (-1)	1,792 (-0%)	8mo	$180,000	$100	66
68139 Blaine-chermont Rd	0.29mi	3/2.5 (-1)	1,848 (+3%)	15mo	$150,000	$81	58

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: 10.7%
• Equity multiple: 1.60×
• Total profit: $21,000
• Equity at exit: $54,205

10-year hold

• IRR: 13.1%
• Equity multiple: 2.89×
• Total profit: $66,074
• Equity at exit: $82,013

Cash invested: $35,000 (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: 40
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,136 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$66 /mo · $793/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$238
• Net cashflow: $123

Break-even live

Break-even rent $979

Max offer price $125,000

Occupancy floor 84%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-19
   days on market $125,000 Active 72 DOM
2. 2026-06-18
   days on market $125,000 Active 71 DOM
3. 2026-06-17
   days on market $125,000 Active 70 DOM
4. 2026-06-16
   days on market $125,000 Active 69 DOM
5. 2026-06-15
   days on market $125,000 Active 68 DOM
6. 2026-06-14
   days on market $125,000 Active 66 DOM
7. 2026-06-12
   days on market $125,000 Active 65 DOM
8. 2026-06-09
   days on market $125,000 Active 62 DOM
9. 2026-06-08
   days on market $125,000 Active 61 DOM
10. 2026-06-07
    days on market $125,000 Active 60 DOM
11. 2026-06-03
    days on market $125,000 Active 56 DOM
12. 2026-06-02
    days on market $125,000 Active 55 DOM
13. 2026-06-01
    days on market $125,000 Active 54 DOM
14. 2026-05-31
    days on market $125,000 Active 53 DOM
15. 2026-05-30
    days on market $125,000 Active 52 DOM
16. 2026-04-08
    listed $125,000 Active 864-char remark

    Show marketing remark (864 chars)

    Welcome to 54059 Stop 32 Road in Bridgeport, a charming 4-bedroom, 1-bath home tucked away on a quiet road. This property offers the perfect balance of privacy and convenience, with a peaceful riverside setting without being located in a flood zone. Inside, you’ll find a spacious and inviting layout highlighted by a great kitchen that’s perfect for everyday living and entertaining. Downstairs is the perfect workshop area and storage with a half bathroom as well! Step outside to a relaxing deck where you can unwind, enjoy the views, and take in the calm surroundings. Don’t forget the amazing deck as well, which gives amazing views of the town and the creek! Whether you're looking for a full-time residence or a quiet retreat, this home offers comfort, space, and a unique location that’s hard to find. Mineral Rights will convey!

17. 2005-07-19
    soldstatus $21,200

ⓘ 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: $793 · $66/mo
• Projected year-2 tax: $1,372 · $114/mo
• Expected delta: +$578/yr (+$48/mo · 72.9%)

ⓘ 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 · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,627
• − Mortgage interest: −$7,002
• − Property taxes: −$793
• − Insurance: −$625
• − Repairs & maintenance: −$1,090
• − Management: −$1,090
• − Depreciation: −$3,636
• Taxable loss: −$610
• Est. tax savings @ 24.0%: +$146
• After-tax cash flow: $1,627/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 — Blaine

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Blaine, OH
• County: Belmont · 63,139 people
• City population: 38
• 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

+489.6% since first listed

2 events — show timeline

• 2026-04-08 Listed $125,000 MLSNOW
• 2005-07-19 Sold (Public Records) $21,200 Public Records

Property tax history

+0.5%/yr

Latest (2025): $793 · +1.6% YoY. Source: county tax records.