225 W Ohio Ave · Sebring, OH 44672

$55,000

3 bd · 1.0 ba · 1,400 sqft · SingleFamily public records · 3 Days on market

Built 1906 7,501 sqft lot

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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 +24.7/30.0
• DSCR +8.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Schools +4.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

Key facts

• 7,501 sq ft lot
• Garage
• Built 1906

Property features AI

Exterior

• Parking: Detached garage; On-street parking; 1 garage space
• Utilities: Public water; Public sewer
• Home design: 2-story home; Vinyl siding; Asphalt/fiberglass roof
• Construction: Vinyl siding construction; Asphalt/fiberglass roof; Built year from public records
• Exterior features: Deck; Front porch

Interior

• Kitchen: Dishwasher; Microwave; Range
• Bedrooms: Main level has 1 bedroom; Second floor bonus room; Second floor bedroom (9 x 13) with carpet; Second floor bedroom (15 x 15) with carpet; First floor bedroom (14 x 15) with carpet
• Flooring: Carpet in multiple bedrooms and living areas
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced-air gas heating
• Interior features: Walk-in closet(s); Full unfinished basement
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $115 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($650 rent vs $55k).

Location & tenants

• Location reads 63/100 on livability (#827 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: schools C-, amenities F, commute F.
• Sebring Local (town): math 48% / reading 54% proficiency, ranked #438 of 656 in OH (top 67%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 17 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 147 units permitted in Mahoning County in 2024 (0 in 5+ unit buildings).
• This rent is only 16% of the median local income ($50k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Mahoning County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 26y 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 $28k; list at $55k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1906 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $55,000

Questions for the listing agent

1. Built in 1906 — 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: 1.18% ✓
• Cap rate: 8.80%
• Cash-on-cash: 8.94%
• DSCR: 1.40
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $155,400
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
225 W Ohio Ave	0.00mi	3/1.0	1,400 (0%)	0mo	$60,100	$43	100
425 N 17th St	0.15mi	3/1.5	1,344 (-4%)	4mo	$162,500	$121	82
455 W Maryland Ave	0.26mi	3/1.5	1,344 (-4%)	1mo	$160,000	$119	78
286 W Maryland Ave	0.11mi	3/1.0	1,243 (-11%)	5mo	$110,000	$88	72
245 E Maryland Ave	0.31mi	3/1.0	1,496 (+7%)	4mo	$25,000	$17	70
155 E Michigan Ave	0.38mi	4/1.0 (+1)	1,320 (-6%)	2mo	$170,000	$129	66
195 E Pennsylvania Ave	0.26mi	3/1.0	1,232 (-12%)	2mo	$172,000	$140	66
145 N 17th St	0.12mi	3/1.0	1,592 (+14%)	7mo	$144,200	$91	66
540 S 15th St	0.57mi	3/1.0	1,335 (-5%)	2mo	$90,000	$67	64
406 W Indiana Ave	0.27mi	3/2.0	1,584 (+13%)	1mo	$87,000	$55	61
324 S 15th St	0.44mi	3/2.5	1,509 (+8%)	2mo	$167,500	$111	58
696 E Ohio Ave	0.69mi	3/1.0	1,248 (-11%)	0mo	$194,468	$156	50

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.7%
• Equity multiple: 0.90×
• Total profit: $-1,584
• Equity at exit: $8,201

10-year hold

• IRR: 7.0%
• Equity multiple: 1.53×
• Total profit: $8,117
• Equity at exit: $4,755

Cash invested: $15,400 (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 44672

• Home prices YoY: -14.6%
• Active inventory: 17
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $650 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$87 /mo · $1,049/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$136
• Net cashflow: $115

Break-even live

Break-even rent $505

Max offer price $55,000

Occupancy floor 77%

Sensitivity live

Price	-10% $146	-5% $130	+0% $115	+5% $99	+10% $84
Rent	-10% $63	-5% $89	+0% $115	+5% $140	+10% $166
Rate	-1.0pp $142	-0.5pp $129	base $115	+0.5pp $100	+1.0pp $86

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: $13,750
• Closing costs: $1,650
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
836 S 13th St Unit 236 Alabama 11 Sebring, OH	2.0	1.0	900	$650	$0.72	14d	1	0.93mi

Listing history 15 events

1. 2026-05-12
   status Pending
2. 2026-05-09
   listed $55,000 Active
3. 2016-04-28
   soldstatus $27,500 Sold 590-char remark

   Show marketing remark (590 chars)

   Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

4. 2016-04-12
   status Pending 590-char remark

   Show marketing remark (590 chars)

   Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

5. 2016-04-08
   historical Contingent 590-char remark

   Show marketing remark (590 chars)

   Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

6. 2016-03-13
   price $29,900 590-char remark

   Show marketing remark (590 chars)

   Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

7. 2016-02-11
   listed $39,900 Active 590-char remark

   Show marketing remark (590 chars)

   Sebring Village vinyl sided colonial offers eat in kitchen, spacious living room and first floor dining room or bedroom. Modified 2nd floor has 2-3 additional bedrooms or large walk in closet and full bath. Unfinished basement plus rear deck and detached garage located off rear alley. Freshly painted with some new flooring just about move in ready condition. oThe purchaser must be buying the home as their primary residence during the initial 20 days of listing, without competition from investors. This property is eligible under the Freddie Mac First Look Initiative through 02/29/2016

8. 2007-11-30
   soldstatus $28,000 285-char remark

   Show marketing remark (285 chars)

   4 Bdr, 1 Bath home with newer vinyl siding and newer shingles, newer kitchen cabnets and flooring in kitchen. Needs some updating and repairs. All buyers must be pre - approved in writting for conventional financing or show proof of cash. Enter garage at your own risk. USE CAUTION!!!!

9. 2007-08-23
   listed $28,900 285-char remark

   Show marketing remark (285 chars)

   4 Bdr, 1 Bath home with newer vinyl siding and newer shingles, newer kitchen cabnets and flooring in kitchen. Needs some updating and repairs. All buyers must be pre - approved in writting for conventional financing or show proof of cash. Enter garage at your own risk. USE CAUTION!!!!

10. 2005-08-30
    soldstatus $83,000
11. 2005-07-24
    historical
12. 2005-01-24
    listed $79,000
13. 2000-04-30
    historical
14. 2000-01-31
    listed $63,000
15. 1994-03-14
    soldstatus $33,000

ⓘ 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: $1,049 · $87/mo
• Projected year-2 tax: $1,049 · $87/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥96°F today · 18 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: $7,800
• − Mortgage interest: −$3,081
• − Property taxes: −$1,049
• − Insurance: −$275
• − Repairs & maintenance: −$624
• − Management: −$624
• − Depreciation: −$1,600
• Taxable income: $547
• Est. tax owed @ 24.0%: −$131
• After-tax cash flow: $1,245/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: Sebring Local
• NCES district ID: 3904835
• Math proficiency: 48% ▼ -4.00%
• Reading proficiency: 54% ▼ -2.00%
• Median HH income: $38,488
• Composite: 42.5/100
• National rank: #3207
• State rank: #438 of 656 in OH

Livability — Sebring

• Score: 63/100
• State rank: #827
• US rank: #15374

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sebring, OH
• County: Mahoning · 224,175 people
• City population: 4,741
• Metro: Youngstown-Warren, OH
• Population (ZIP): 4,741
• Household income: $49,835
• Rent vs Own: 50.1% rent · 49.9% own
• Severe rent burden: 20.1

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: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 6% Hispanic / Latino 2%
• Common ancestry: Slovak 4% Iranian 3% Romanian 3%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -38.88%
• Current HPI: 227.2518
• 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

+66.7% since first listed

15 events — show timeline

• 2026-05-12 Pending — MLSNOW
• 2026-05-09 Listed $55,000 MLSNOW
• 2016-04-28 Sold (MLS) $27,500 MLSNOW
• 2016-04-12 Pending — MLSNOW
• 2016-04-08 Contingent — MLSNOW
• 2016-03-13 Price Changed $29,900 MLSNOW
• 2016-02-11 Listed $39,900 MLSNOW
• 2007-11-30 Sold (MLS) $28,000 MLSNOW
• 2007-08-23 Listed $28,900 MLSNOW
• 2005-08-30 Sold (Public Records) $83,000 Public Records
• 2005-07-24 Listing Removed — MLSNOW
• 2005-01-24 Listed $79,000 MLSNOW
• 2000-04-30 Listing Removed — MLSNOW
• 2000-01-31 Listed $63,000 MLSNOW
• 1994-03-14 Sold (Public Records) $33,000 Public Records

Property tax history

+5.4%/yr

Latest (2025): $1,049 · +0.0% YoY. Source: county tax records.