7145 Bloomfield Rd · Cambridge, OH 43725

$84,900

2 bd · 1.0 ba · 936 sqft · SingleFamily public records · 38 Days on market

0.57 ac lot $91/sqft · 25% below area Est $113k · 25% under

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Livability +3.4/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

A great little starter home or investment property, this 2 bed 1 bath house is it. With over . 5 acres close to town there is a lot to offer. Several updates have been done over the years: newer roof, windows, flooring, and more. Don't miss out on the opportunities here. Schedule to see it today.

Key facts

• Newer flooring
• Newer roof
• Investment property

Tags

• INVESTMENT PROPERTY
• OVER . 5 ACRES
• NEWER ROOF
• NEWER WINDOWS
• NEWER FLOORING

Property features AI

Finance

• Other: Approximately 0.572-acre lot; About 936 above-grade finished square footage

Exterior

• Parking: Driveway with gravel/unpaved surface
• Utilities: Public water; Septic tank
• Home design: Single-story home; Faces south
• Construction: Vinyl siding; Asphalt/fiberglass roof
• Exterior features: Front porch

Interior

• Kitchen: Refrigerator included
• Bedrooms: 2 main-level bedrooms
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air gas heating
• Interior features: Partial, unfinished basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $437 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.5% vs local median 5.7% in Cambridge — 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 68/100 on livability (#579 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities D-, commute F, employment D-.
• Cambridge City (town): math 28% / reading 42% proficiency, ranked #565 of 656 in OH (top 86%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 90 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 37 units permitted in Guernsey County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $587 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Guernsey County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $27k; list at $85k implies a 214% gain — meaningful room to come down on a strong offer.

Recommended offer $82,353 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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: 1.45% ✓
• Cap rate: 12.48%
• Cash-on-cash: 22.08%
• DSCR: 1.98
• GRM: 5.7

CMA / ARV

• ARV (median comp): $112,981
• List price: $84,900
• Delta: -24.85%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
64271 Warne Dr	0.39mi	3/1.0 (+1)	960 (+3%)	12mo	$132,000	$138	63

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: 14.8%
• Equity multiple: 1.59×
• Total profit: $14,095
• Equity at exit: $12,659

10-year hold

• IRR: 23.5%
• Equity multiple: 3.02×
• Total profit: $48,105
• Equity at exit: $7,341

Cash invested: $23,772 (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 43725

• Active inventory: 90
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,234 medium
• Mortgage (P&I): −$445
• Tax from tax record: −$57 /mo · $681/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$259
• Net cashflow: $437

Break-even live

Break-even rent $680

Max offer price $84,900

Occupancy floor 60%

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: $21,225
• Closing costs: $2,547
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
304 Dewey Ave Cambridge, OH	2.0	1.0	728	$900	$1.24	43d	1	0.81mi
6630 John Glenn Hwy Apt 302 Cambridge, OH	1.0	1.5	950	$1,300	$1.37	21d	1	1.22mi
6630 John Glenn Hwy Cambridge, OH	1.0	1.0	950	$1,300	$1.37	19d	1	1.22mi
6630 John Glenn Hwy Unit 201 Cambridge, OH	2.0	1.5	950	$1,500	$1.58	16d	1	1.23mi

Listing history 19 events

1. 2026-06-18
   price $84,900 Active 38 DOM
2. 2026-06-18
   days on market $89,900 Active 38 DOM
3. 2026-06-17
   days on market $89,900 Active 37 DOM
4. 2026-06-16
   days on market $89,900 Active 36 DOM
5. 2026-06-15
   days on market $89,900 Active 35 DOM
6. 2026-06-13
   days on market $89,900 Active 33 DOM
7. 2026-06-12
   days on market $89,900 Active 32 DOM
8. 2026-06-09
   days on market $89,900 Active 29 DOM
9. 2026-06-08
   days on market $89,900 Active 28 DOM
10. 2026-06-07
    days on market $89,900 Active 27 DOM
11. 2026-06-07
    days on market $89,900 Active 26 DOM
12. 2026-06-04
    days on market $89,900 Active 23 DOM
13. 2026-06-02
    days on market $89,900 Active 22 DOM
14. 2026-06-01
    days on market $89,900 Active 21 DOM
15. 2026-05-31
    days on market $89,900 Active 20 DOM
16. 2026-05-08
    listed $89,900 Active 297-char remark
17. 2023-06-29
    soldstatus $27,000
18. 2023-05-23
    listed $27,000 Active
19. 1998-12-09
    soldstatus $34,500

ⓘ 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: $681 · $57/mo
• Projected year-2 tax: $1,003 · $84/mo
• Expected delta: +$322/yr (+$27/mo · 47.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥99°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,808
• − Mortgage interest: −$4,756
• − Property taxes: −$681
• − Insurance: −$424
• − Repairs & maintenance: −$1,185
• − Management: −$1,185
• − Depreciation: −$2,470
• Taxable income: $4,107
• Est. tax owed @ 24.0%: −$986
• After-tax cash flow: $4,264/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: Cambridge City
• NCES district ID: 3904369
• Math proficiency: 28% ▼ -28.00%
• Reading proficiency: 42% ▼ -17.00%
• Median HH income: $33,874
• Composite: 28.76/100
• National rank: #6673
• State rank: #565 of 656 in OH

Livability — Cambridge

• Score: 68/100
• State rank: #579
• US rank: #9829

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Guernsey · 34,843 people
• Population (ZIP): 19,728
• Household income: $51,612
• Rent vs Own: 34.7% rent · 65.3% own
• Severe rent burden: 12.5

Population outlook (Guernsey County) Hauer SSP2

• Today (2025): 37,281 people
• By 2030: 35,900 · -3.7%
• By 2040: 32,861 · -11.9%
• By 2050: 29,700 · -20.3%
• By 2075: 22,199 · -40.5%
• By 2100: 15,192 · -59.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 3% Slovak 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Guernsey

• 2024 margin: Solid R (+52.1) · D 23.6% · R 75.7%
• 2008→2024 swing: -43.0pp toward R · 2008: -9.1pp · 2024: -52.1pp
• All cycles: 2024: R+52.1 2020: R+48.4 2016: R+42.6 2012: R+9.7 2008: R+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -167.03%
• Current HPI: 197.722
• 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

+160.6% since first listed

4 events — show timeline

• 2026-05-08 Listed $89,900 MLSNOW
• 2023-06-29 Sold (Public Records) $27,000 Public Records
• 2023-05-23 Listed $27,000 MLSNOW
• 1998-12-09 Sold (Public Records) $34,500 Public Records

Property tax history

+4.1%/yr

Latest (2025): $681 · +3.0% YoY. Source: county tax records.