5058 Trimble Rd · Toledo, OH 43613

$79,000

3 bd · 1.0 ba · 900 sqft · SingleFamily public records · 29 Days on market

Built 1955 7,600 sqft lot $88/sqft · 51% below area

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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 +23.4/30.0
• 1% rule +7.8/10.0
• DSCR +7.5/10.0
• ARV discount +7.5/15.0
• Schools +3.5/10.0
• Rent growth +3.3/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WHITMER CREAMPUFF W/3 BEDS, 2.5 CAR GARAGE + FULL FIN BSMT W/AIR TIGHT STOVE! UPDATED FURNACE & C/A! UPDATED ELECTRICAL BREAKER BOX! EXTERIOR W/STONE + UPDATED VINYL SIDING! UPDATED VINYL REPLACEMENTWINDOWS! NICE EAT-IN KITCHEN! FRESHLY PAINTED INTERIOR AND SHOWS WELL! NICELY FINISHED BASEMENT W/BAR AREA! AWESOME VALUE FOR THE MONEY!

Key facts

• 7,600 sq ft lot
• 2 garage spots
• Built 1955

Property features AI

Exterior

• Parking: Detached 2-car garage; Driveway
• Utilities: Electricity connected; Natural gas connected; Public sewer; Public water
• Home design: Single-family residence (house); One story
• Construction: Vinyl siding; Block foundation; Built as residential single-family
• Exterior features: Shingle roof

Interior

• Kitchen: Kitchen on main level (approx. 12 x 10)
• Bedrooms: Primary bedroom on main level (approx. 12 x 10); Bedroom 2 on main level (approx. 12 x 10); Bedroom 3 on main level (approx. 12 x 10)
• Flooring: Other flooring
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (natural gas); Central air conditioning
• Interior features: Five total rooms; Basement present; Other interior finishes
• Laundry & utility: Laundry area located in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $79k.

Deal economics

• At list price, monthly cash flow is $146 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $79k).
• Recommended offer: $78k (1.5% below list) — sets the bar for market timing.

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-, crime F, commute F.
• Washington Local (urban): math 37% / reading 47% proficiency, ranked #528 of 656 in OH (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hiawatha Elementary School (math 37% / reading 52%, grade F, #991 of 1,584 statewide, top 64%, 345 students, 49% FRL); Whitmer High School (math 38% / reading 48%, grade F, #494 of 781 statewide, top 63%, 2,247 students, 42% FRL) — zoned schools at 46% FRL track the district average.
• Market conditions: Rents rising (+3.3%/yr); 117 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 415 units permitted in Lucas County in 2024 (122 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $546 of loan paydown is wiped out by about $2k 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.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y 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: property tax is 3.1% of price; built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $77,815 (1.5% below list)

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.28% ✓
• Cap rate: 8.52%
• Cash-on-cash: 7.95%
• DSCR: 1.35
• GRM: 6.5

CMA / ARV

• ARV (median comp): $161,177
• List price: $79,000
• Delta: -50.99%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4915 Bales Rd	0.24mi	3/1.0	900 (0%)	7mo	$125,000	$139	83
5112 Elaine Dr	0.38mi	3/1.0	912 (+1%)	10mo	$200,000	$219	72
5238 Sheila Dr	0.49mi	3/1.5	912 (+1%)	6mo	$196,900	$216	68
4807 Brott Rd	0.42mi	3/1.0	996 (+11%)	2mo	$157,000	$158	62
2534 Arletta St	0.48mi	3/1.0	952 (+6%)	10mo	$138,000	$145	59
5303 Winona Rd	0.56mi	2/1.0 (-1)	850 (-6%)	1mo	$130,000	$153	59
2605 Wyndale Rd	0.38mi	2/1.0 (-1)	816 (-9%)	6mo	$169,000	$207	57
4722 Bowser Dr	0.48mi	3/2.0	1,020 (+13%)	2mo	$180,000	$176	50
2413 Murray Dr	0.58mi	3/1.0	1,008 (+12%)	9mo	$160,000	$159	46
2344 Mellwood Ave	0.61mi	2/1.0 (-1)	790 (-12%)	6mo	$99,000	$125	41
5027 Winona Dr	0.53mi	2/1.0 (-1)	1,015 (+13%)	10mo	$152,000	$150	40
2849 Castleton Ave	0.62mi	2/1.0 (-1)	1,022 (+14%)	5mo	$149,900	$147	39

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 · 3.3% rent growth · sell at horizon

5-year hold

• IRR: -3.7%
• Equity multiple: 0.86×
• Total profit: $-3,083
• Equity at exit: $11,779

10-year hold

• IRR: 6.5%
• Equity multiple: 1.49×
• Total profit: $10,927
• Equity at exit: $6,830

Cash invested: $22,120 (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 43613

• Home prices YoY: -20.7%
• Rents YoY: 3.3%
• Active inventory: 117
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,013 high
• Mortgage (P&I): −$414
• Tax from tax record: −$207 /mo · $2,482/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $146

Break-even live

Break-even rent $828

Max offer price $79,000

Occupancy floor 81%

Sensitivity live

Price	-10% $191	-5% $169	+0% $146	+5% $124	+10% $102
Rent	-10% $66	-5% $106	+0% $146	+5% $187	+10% $227
Rate	-1.0pp $186	-0.5pp $167	base $146	+0.5pp $126	+1.0pp $105

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: $19,750
• Closing costs: $2,370
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2527 Arletta St Toledo, OH	2.0	1.0	1100	$1,100	$1.00	44d	1	0.46mi
2255 W Laskey Rd Unit 14 Toledo, OH	2.0	1.0	650	$775	$1.19	22d	1	0.53mi
2255 W Laskey Rd Apt 10 Toledo, OH	2.0	1.0	650	$775	$1.19	15d	1	0.53mi
5080 Secor Rd Toledo, OH	1.0–2.0	1.0–1.5	699	$925	$1.32	44d	1	0.73mi
5360 Secor Rd Unit 316 Toledo, OH	2.0	1.0	900	$699	$0.78	24d	1	0.82mi
3065 Tremainsville Rd Toledo, OH	1.0–2.0	1.0	800	$929	$1.16	15d	1	0.84mi
5133 Secor Rd Toledo, OH	2.0	2.0	850	$1,099	$1.29	24d	1	0.84mi
3353 W Laskey Rd Unit 2 Toledo, OH	3.0	1.0	750	$850	$1.13	22d	1	0.86mi
3355 W Laskey Rd Apt 24 Toledo, OH	2.0	1.0	750	$850	$1.13	24d	1	0.88mi
3355 W Laskey Rd Toledo, OH	2.0	1.0	750	$850	$1.13	15d	2	0.88mi
5240 Oakridge Dr Toledo, OH	2.0	1.0	872	$945	$1.08	15d	1	0.95mi
1801 Christian Ave Toledo, OH	1.0–2.0	1.0	750	$939	$1.25	15d	1	1.06mi
5635 Secor Rd Toledo, OH	2.0	1.0	800	$858	$1.07	44d	1	1.06mi
4030 Elmhurst Rd Apt 2 Toledo, OH	2.0	1.0	875	$900	$1.03	44d	1	1.07mi
4030 Elmhurst Rd Toledo, OH	2.0	1.0	800	$900	$1.12	24d	1	1.07mi
5834 Yermo Dr Toledo, OH	1.0–2.0	1.0–2.0	870	$909	$1.04	15d	12	1.16mi
1733 Christian Ave Unit 5 Toledo, OH	2.0	1.0	839	$700	$0.83	44d	1	1.16mi
2244 W Sylvania Ave Unit 6 Toledo, OH	2.0	1.0	800	$795	$0.99	44d	1	1.20mi
1732 Newport Ave Toledo, OH	3.0	1.0	896	$1,350	$1.51	24d	1	1.21mi
3355 W Alexis Rd Toledo, OH	2.0	1.0	675	$809	$1.20	15d	3	1.21mi
5317 Jackman Rd Unit 4 Toledo, OH	2.0	1.0	625	$655	$1.05	24d	1	1.23mi
4137 Secor Rd Toledo, OH	1.0–2.0	1.0	750	$921	$1.23	15d	7	1.23mi
5831 Gany Mede Dr Toledo, OH	3.0	1.0	1004	$1,600	$1.59	15d	1	1.28mi
2132 Stirrup Ln Toledo, OH	2.0	1.0	900	$1,035	$1.15	44d	3	1.30mi
4435 Jackman Rd Toledo, OH	1.0–2.0	1.0	725	$922	$1.27	15d	3	1.34mi
6020 Secor Rd Unit 1 Toledo, OH	2.0	1.5	760	$825	$1.09	22d	1	1.40mi
3145 Brock Dr Toledo, OH	3.0	2.0	1100	$1,600	$1.45	15d	1	1.48mi
3644 Harley Rd Toledo, OH	2.0	1.0	1025	$975	$0.95	24d	1	1.49mi

Listing history 10 events

1. 2026-04-27
   listed $79,000 Active 573-char remark
2. 2025-10-09
   price $86,600 339-char remark

   Show marketing remark (339 chars)

   WHITMER CREAMPUFF W/3 BEDS, 2.5 CAR GARAGE + FULL FIN BSMT W/AIR TIGHT STOVE! UPDATED FURNACE & C/A! UPDATED ELECTRICAL BREAKER BOX! EXTERIOR W/STONE + UPDATED VINYL SIDING! UPDATED VINYL REPLACEMENTWINDOWS! NICE EAT-IN KITCHEN! FRESHLY PAINTED INTERIOR AND SHOWS WELL! NICELY FINISHED BASEMENT W/BAR AREA! AWESOME VALUE FOR THE MONEY!

3. 2019-08-02
   soldstatus $71,577

   Show marketing remark (406 chars)

   HUD #412-813661 SOLD AS-IS. FHA FINANCING IE (Insured Repair Escrow: $8,000). 3 BED/1 BATH WASHINGTON LOCAL RANCH IN GOOD CONDITION. UPDATED FULL BATH & GOOD KITCHEN. UPDATED ELECTRIC; FURNACE & HOT WATER TANK. 3rd BED COULD BE FORMAL DINING ROOM. DEEP BACKYARD w/PATIO. 2-CAR GARAGE. *Keys cannot be provided at closing (must be rekeyed). Utilities must be put in buyer's name for any inspections.

4. 2019-07-08
   price $71,577

   Show marketing remark (406 chars)

   HUD #412-813661 SOLD AS-IS. FHA FINANCING IE (Insured Repair Escrow: $8,000). 3 BED/1 BATH WASHINGTON LOCAL RANCH IN GOOD CONDITION. UPDATED FULL BATH & GOOD KITCHEN. UPDATED ELECTRIC; FURNACE & HOT WATER TANK. 3rd BED COULD BE FORMAL DINING ROOM. DEEP BACKYARD w/PATIO. 2-CAR GARAGE. *Keys cannot be provided at closing (must be rekeyed). Utilities must be put in buyer's name for any inspections.

5. 2019-05-30
   listed $71,000

   Show marketing remark (406 chars)

   HUD #412-813661 SOLD AS-IS. FHA FINANCING IE (Insured Repair Escrow: $8,000). 3 BED/1 BATH WASHINGTON LOCAL RANCH IN GOOD CONDITION. UPDATED FULL BATH & GOOD KITCHEN. UPDATED ELECTRIC; FURNACE & HOT WATER TANK. 3rd BED COULD BE FORMAL DINING ROOM. DEEP BACKYARD w/PATIO. 2-CAR GARAGE. *Keys cannot be provided at closing (must be rekeyed). Utilities must be put in buyer's name for any inspections.

6. 2008-08-29
   soldstatus $86,600
7. 2008-08-28
   soldstatus $86,600 339-char remark

   Show marketing remark (339 chars)

   WHITMER CREAMPUFF W/3 BEDS, 2.5 CAR GARAGE + FULL FIN BSMT W/AIR TIGHT STOVE! UPDATED FURNACE & C/A! UPDATED ELECTRICAL BREAKER BOX! EXTERIOR W/STONE + UPDATED VINYL SIDING! UPDATED VINYL REPLACEMENTWINDOWS! NICE EAT-IN KITCHEN! FRESHLY PAINTED INTERIOR AND SHOWS WELL! NICELY FINISHED BASEMENT W/BAR AREA! AWESOME VALUE FOR THE MONEY!

8. 2008-04-05
   listed $89,900 339-char remark

   Show marketing remark (339 chars)

   WHITMER CREAMPUFF W/3 BEDS, 2.5 CAR GARAGE + FULL FIN BSMT W/AIR TIGHT STOVE! UPDATED FURNACE & C/A! UPDATED ELECTRICAL BREAKER BOX! EXTERIOR W/STONE + UPDATED VINYL SIDING! UPDATED VINYL REPLACEMENTWINDOWS! NICE EAT-IN KITCHEN! FRESHLY PAINTED INTERIOR AND SHOWS WELL! NICELY FINISHED BASEMENT W/BAR AREA! AWESOME VALUE FOR THE MONEY!

9. 2008-03-24
   historical
10. 2007-09-24
    listed $104,900

ⓘ 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: $2,482 · $207/mo
• Projected year-2 tax: $2,482 · $207/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 ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,160
• − Mortgage interest: −$4,425
• − Property taxes: −$2,482
• − Insurance: −$395
• − Repairs & maintenance: −$973
• − Management: −$973
• − Depreciation: −$2,298
• Taxable income: $614
• Est. tax owed @ 24.0%: −$147
• After-tax cash flow: $1,611/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: Washington Local
• NCES district ID: 3904823
• Math proficiency: 37% ▼ -20.00%
• Reading proficiency: 47% ▼ -11.00%
• Median HH income: $42,105
• Composite: 35.36/100
• National rank: #4957
• State rank: #528 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): 30,780
• Household income: $64,384
• Rent vs Own: 32.5% rent · 67.5% own
• Severe rent burden: 917.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Black 15% Two or more races 10% Hispanic / Latino 7%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Romanian 9% Lithuanian 3% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 3% 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: ▼ -62.37%
• Current HPI: 239.1345
• Rent YoY: ▲ 3.30%
• 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

+35.3% since first listed

13 events — show timeline

• 2026-06-12 Sold (MLS) $141,900 NORIS
• 2026-05-28 Pending — NORIS
• 2026-04-27 Listed $79,000 NORIS
• 2025-10-09 Price Changed $86,600 NORIS
• 2019-08-02 Sold (MLS) $71,577 NORIS
• 2019-07-08 Price Changed $71,577 NORIS
• 2019-05-30 Listed $71,000 NORIS
• 2008-08-29 Sold (Public Records) $86,600 Public Records
• 2008-08-28 Sold (MLS) $86,600 NORIS
• 2008-07-14 Price Changed $89,900 NORIS
• 2008-04-05 Listed $89,900 NORIS
• 2008-03-24 Listing Removed — NORIS
• 2007-09-24 Listed $104,900 NORIS

Property tax history

+2.7%/yr

Latest (2025): $2,482 · +1.7% YoY. Source: county tax records.