2014 Ohio Ave · East Liverpool, OH 43920

$99,000

3 bd · 2.0 ba · 1,326 sqft · SingleFamily public records · 5 Days on market

Built 1930 10,829 sqft lot Est $145k · 32% 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 +27.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.7/10.0
• 1% rule +6.9/10.0
• Livability +3.4/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Have you been searching for that home to call your own? Look no further! 2014 Ohio Avenue could be yours! Just take a look at the beautiful view of the Ohio River from the back yard! This 3 to 4 bedroom home has many major updates already complete- New roof in 2025, gas furnace in 2023 and a newer hot water tank! Sitting on . 25 acres gives you plenty of options for many things- kids, pets a new garage- you name it! The location of this home is centrally located near all major highways to PA and WV! Call now to make this home yours!

Key facts

• 0.25 acre lot
• Garage
• Built 1930

Property features AI

Exterior

• Parking: Detached garage (1 car); Off-street, unpaved parking
• Utilities: Public water; Public sewer; Electric service (standard)
• Home design: Vinyl-sided home; Block foundation; Metal roof
• Construction: Vinyl siding construction; Metal roof; Block foundation
• Exterior features: Covered front porch; Views; Waterfront

Interior

• Kitchen: Eat-in kitchen (approx. 18 x 12)
• Bedrooms: Three main-level bedrooms; Additional living suite on first floor that could be used as a fourth bedroom (exterior access to garage area); Second-floor bedroom (wood flooring, approx. 13 x 14); First-floor bedrooms with carpeted floors (approx. 13 x 11 and 8.5 x 11.5)
• Flooring: Carpet in living areas and most bedrooms; Wood flooring in one second-floor bedroom
• Bathrooms: Two full bathrooms (both on main level)
• Heating & cooling: Forced-air gas heating
• Interior features: Partial, unfinished basement with exterior entry; Total of 7 rooms
• Laundry & utility: Basement utility access

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $298 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).

Location & tenants

• Location reads 67/100 on livability (#613 in OH) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment F.
• East Liverpool City (town): math 28% / reading 37% proficiency, ranked #571 of 656 in OH (top 87%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 78% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 114 active listings in the ZIP; 49 units permitted in Columbiana County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Columbiana County population projected at -23% 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 $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $43k; list at $99k implies a 131% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,000

Questions for the listing agent

1. Built in 1930 — 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: 1.19% ✓
• Cap rate: 9.90%
• Cash-on-cash: 12.88%
• DSCR: 1.57
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $144,534
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1912 Michigan Ave	0.14mi	3/1.0	1,272 (-4%)	18mo	$146,500	$115	68
419 Putnam St	0.21mi	4/1.5 (+1)	1,332 (+0%)	23mo	$73,000	$55	63
1610 Globe	0.61mi	2/1.5 (-1)	1,160 (-12%)	8mo	$126,000	$109	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 2.7%
• Equity multiple: 1.10×
• Total profit: $2,899
• Equity at exit: $14,761

10-year hold

• IRR: 12.3%
• Equity multiple: 1.97×
• Total profit: $26,880
• Equity at exit: $8,560

Cash invested: $27,720 (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 43920

• Home prices YoY: -29.3%
• Active inventory: 114
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,181 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$75 /mo · $901/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$248
• Net cashflow: $298

Break-even live

Break-even rent $804

Max offer price $99,000

Occupancy floor 70%

Sensitivity live

Price	-10% $354	-5% $326	+0% $298	+5% $270	+10% $242
Rent	-10% $204	-5% $251	+0% $298	+5% $344	+10% $391
Rate	-1.0pp $347	-0.5pp $323	base $298	+0.5pp $272	+1.0pp $246

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-06-18
   days on market $99,000 Active 5 DOM
2. 2026-06-17
   days on market $99,000 Active 4 DOM
3. 2026-06-16
   days on market $99,000 Active 3 DOM
4. 2026-06-15
   days on market $99,000 Active 2 DOM
5. 2026-06-13
   remarks 539-char remark
6. 2026-06-13
   listed $99,000 Active 1 DOM

ⓘ 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: $901 · $75/mo
• Projected year-2 tax: $1,223 · $102/mo
• Expected delta: +$322/yr (+$27/mo · 35.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥96°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,173
• − Mortgage interest: −$5,546
• − Property taxes: −$901
• − Insurance: −$495
• − Repairs & maintenance: −$1,134
• − Management: −$1,134
• − Depreciation: −$2,880
• Taxable income: $2,084
• Est. tax owed @ 24.0%: −$500
• After-tax cash flow: $3,071/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: East Liverpool City
• NCES district ID: 3904391
• Math proficiency: 28% ▼ -16.00%
• Reading proficiency: 37% ▼ -10.00%
• Median HH income: $34,021
• Composite: 26.72/100
• National rank: #7148
• State rank: #571 of 656 in OH

Livability — East Liverpool

• Score: 67/100
• State rank: #613
• US rank: #10580

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Liverpool, OH
• County: Columbiana · 99,532 people
• Population (ZIP): 21,124
• Household income: $50,820
• Rent vs Own: 31.0% rent · 69.0% own
• Severe rent burden: 12.6

Population outlook (Columbiana County) Hauer SSP2

• Today (2025): 98,353 people
• By 2030: 94,225 · -4.2%
• By 2040: 85,169 · -13.4%
• By 2050: 76,157 · -22.6%
• By 2075: 58,451 · -40.6%
• By 2100: 42,805 · -56.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 6% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 2% Slovak 2% Serbian 2%
• Foreign-born: 0%

Political lean MEDSL · Columbiana

• 2024 margin: Solid R (+49.0) · D 25.1% · R 74.1%
• 2008→2024 swing: -41.4pp toward R · 2008: -7.6pp · 2024: -49.0pp
• All cycles: 2024: R+49.0 2020: R+44.9 2016: R+41.6 2012: R+12.0 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.53%
• Current HPI: 196.3908
• 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

+130.8% since first listed

2 events — show timeline

• 2026-06-12 Listed $99,000 MLSNOW
• 2016-03-04 Sold (Public Records) $42,900 Public Records

Property tax history

+3.0%/yr

Latest (2025): $901 · +8.7% YoY. Source: county tax records.