3470 Hadley Ave · Youngstown, OH 44505

$95,000

2 bd · 1.0 ba · 972 sqft · SingleFamily · 332 Days on market

Built 1948 6,969 sqft lot $98/sqft · 27% below area Est $130k · 27% 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 +16.8/30.0
• ARV discount +15.0/15.0
• DSCR +5.2/10.0
• 1% rule +4.6/10.0
• Livability +4.0/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for a home in the desirable Liberty school district? You have to check out this adorable two bedroom home just minutes from shopping, restaurants & highways. Enter into a large living room and pass through the eat in kitchen to get to the spacious family room in the back of the home. The first floor also features two nice sized bedrooms and a full bathroom. Potential lies in the full basement with an additional bathroom space and large backyard space is great for entertaining. Currently tenant occupied - Pictures are prior to tenant moving in. Schedule a showing today!

Key facts

• Eat in kitchen
• Large living room
• Full basement

Tags

• LARGE LIVING ROOM
• EAT IN KITCHEN
• SPACIOUS FAMILY ROOM
• FULL BASEMENT
• LARGE BACKYARD SPACE

🏷️ Possibly a rental listed for sale. The $95,000 price doesn't fit this home's estimated sale value (~$130,254) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $62 ($740/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 $91k (4.3% below list).
• Recommended offer: $84k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 81/100 on livability (#99 in OH, #1,506 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Liberty Local (suburban): math 30% / reading 41% proficiency, ranked #555 of 656 in OH (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: E J Blott Elementary School (math 37% / reading 37%, grade F, #1,087 of 1,584 statewide, top 70%, 497 students, 0% FRL); William S Guy Middle School (math 26% / reading 40%, grade F, #553 of 654 statewide, top 85%, 375 students, 99% FRL); Liberty High School (math 32% / reading 47%, grade F, #528 of 781 statewide, top 71%, 379 students, 99% FRL).
• Market conditions: 83 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 129 units permitted in Trumbull County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Trumbull County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 332 days — a 12% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 23y ago; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $32k; list at $95k implies a 197% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $83,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 332 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1948 — 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. 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: 0.96% ✗
• Cap rate: 7.07%
• Cash-on-cash: 2.78%
• DSCR: 1.12
• GRM: 8.7

CMA / ARV

• ARV (median comp): $130,254
• List price: $95,000
• Delta: -27.07%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
209 Mansell Dr	0.13mi	3/1.5 (+1)	976 (+0%)	5mo	$155,000	$159	82
131 Euclid Blvd	0.21mi	2/1.5	1,012 (+4%)	10mo	$127,777	$126	73
3205 Hadley Ave	0.22mi	3/1.5 (+1)	960 (-1%)	19mo	$115,000	$120	64
310 Mansell Dr	0.23mi	3/1.0 (+1)	1,076 (+11%)	12mo	$129,900	$121	57
4039 Parkwood Ave	0.68mi	3/2.0 (+1)	936 (-4%)	4mo	$165,000	$176	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: -11.9%
• Equity multiple: 0.57×
• Total profit: $-11,452
• Equity at exit: $14,165

10-year hold

• IRR: -2.7%
• Equity multiple: 0.82×
• Total profit: $-4,858
• Equity at exit: $8,214

Cash invested: $26,600 (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 44505

• Home prices YoY: -14.5%
• Active inventory: 83
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $909 high
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$191
• Net cashflow: $62

Break-even live

Break-even rent $831

Max offer price $95,000

Occupancy floor 88%

Sensitivity live

Price	-10% $127	-5% $95	+0% $62	+5% $29	+10% $-4
Rent	-10% $-10	-5% $26	+0% $62	+5% $98	+10% $134
Rate	-1.0pp $110	-0.5pp $86	base $62	+0.5pp $37	+1.0pp $12

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3020 Northgate Ave Youngstown, OH	2.0	1.0	816	$815	$1.00	46d	1	0.43mi
465 Gypsy Ln Youngstown, OH	2.0	1.0–2.0	1060	$920	$0.87	15d	1	0.94mi
178 Upland Ave Youngstown, OH	2.0	1.0	1000	$750	$0.75	46d	1	1.27mi
171 Upland Ave Unit 171 2nd floor Youngstown, OH	3.0	1.0	1100	$1,040	$0.95	15d	1	1.30mi
817 Taylor Ave Girard, OH	2.0	1.0	780	$1,250	$1.60	23d	1	1.34mi

Listing history 25 events

1. 2026-06-22
   days on market $95,000 Active 332 DOM
2. 2026-06-19
   days on market $95,000 Active 330 DOM
3. 2026-06-18
   days on market $95,000 Active 329 DOM
4. 2026-06-17
   days on market $95,000 Active 328 DOM
5. 2026-06-16
   days on market $95,000 Active 327 DOM
6. 2026-06-15
   days on market $95,000 Active 326 DOM
7. 2026-06-14
   days on market $95,000 Active 324 DOM
8. 2026-06-13
   days on market $95,000 Active 323 DOM
9. 2026-06-10
   days on market $95,000 Active 321 DOM
10. 2026-06-09
    days on market $95,000 Active 320 DOM
11. 2026-06-08
    days on market $95,000 Active 319 DOM
12. 2026-06-07
    days on market $95,000 Active 318 DOM
13. 2026-06-03
    days on market $95,000 Active 314 DOM
14. 2026-06-02
    days on market $95,000 Active 313 DOM
15. 2026-06-01
    days on market $95,000 Active 312 DOM
16. 2026-05-31
    days on market $95,000 Active 311 DOM
17. 2026-05-30
    days on market $95,000 Active 310 DOM
18. 2025-10-08
    price $95,000 589-char remark

    Show marketing remark (589 chars)

    Looking for a home in the desirable Liberty school district? You have to check out this adorable two bedroom home just minutes from shopping, restaurants & highways. Enter into a large living room and pass through the eat in kitchen to get to the spacious family room in the back of the home. The first floor also features two nice sized bedrooms and a full bathroom. Potential lies in the full basement with an additional bathroom space and large backyard space is great for entertaining. Currently tenant occupied - Pictures are prior to tenant moving in. Schedule a showing today!

19. 2025-09-05
    price $99,500 589-char remark

    Show marketing remark (589 chars)

    Looking for a home in the desirable Liberty school district? You have to check out this adorable two bedroom home just minutes from shopping, restaurants & highways. Enter into a large living room and pass through the eat in kitchen to get to the spacious family room in the back of the home. The first floor also features two nice sized bedrooms and a full bathroom. Potential lies in the full basement with an additional bathroom space and large backyard space is great for entertaining. Currently tenant occupied - Pictures are prior to tenant moving in. Schedule a showing today!

20. 2025-07-24
    listed $105,000 Active 589-char remark

    Show marketing remark (589 chars)

    Looking for a home in the desirable Liberty school district? You have to check out this adorable two bedroom home just minutes from shopping, restaurants & highways. Enter into a large living room and pass through the eat in kitchen to get to the spacious family room in the back of the home. The first floor also features two nice sized bedrooms and a full bathroom. Potential lies in the full basement with an additional bathroom space and large backyard space is great for entertaining. Currently tenant occupied - Pictures are prior to tenant moving in. Schedule a showing today!

21. 2025-05-31
    historical
22. 2025-02-21
    price $105,000
23. 2025-01-14
    listed $110,000 Active
24. 2003-11-14
    soldstatus $32,000
25. 2003-10-02
    listed $35,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $10,909
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$475
• − Repairs & maintenance: −$873
• − Management: −$873
• − Depreciation: −$2,764
• Taxable loss: −$821
• Est. tax savings @ 24.0%: +$197
• After-tax cash flow: $937/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: Liberty Local
• NCES district ID: 3905019
• Math proficiency: 30% ▼ -23.00%
• Reading proficiency: 41% ▼ -16.00%
• Median HH income: $48,604
• Composite: 30.59/100
• National rank: #6202
• State rank: #555 of 656 in OH

Livability — Youngstown

• Score: 81/100
• State rank: #99
• US rank: #1506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Mahoning · 224,175 people
• City population: 28,503
• Metro: Youngstown-Warren, OH
• Population (ZIP): 16,449
• Household income: $36,480
• Rent vs Own: 47.5% rent · 52.5% own
• Severe rent burden: 10.8

Population outlook (Trumbull County) Hauer SSP2

• Today (2025): 191,696 people
• By 2030: 184,015 · -4.0%
• By 2040: 166,810 · -13.0%
• By 2050: 149,857 · -21.8%
• By 2075: 115,769 · -39.6%
• By 2100: 83,617 · -56.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: Black 42% White 37% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 10%
• Common ancestry: Romanian 2% Scotch-Irish 1%
• Foreign-born: 3% · Canada
• Languages at home: 88% English-only · Spanish 9% Arabic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Trumbull

• 2024 margin: R (+16.8) · D 41.2% · R 58.0%
• 2008→2024 swing: -39.2pp toward R · 2008: 22.4pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+10.6 2016: R+6.4 2012: D+22.2 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.64%
• Current HPI: 192.3375
• 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

+167.6% since first listed

8 events — show timeline

• 2025-10-08 Price Changed $95,000 MLSNOW
• 2025-09-05 Price Changed $99,500 MLSNOW
• 2025-07-24 Listed $105,000 MLSNOW
• 2025-05-31 Listing Removed — MLSNOW
• 2025-02-21 Price Changed $105,000 MLSNOW
• 2025-01-14 Listed $110,000 MLSNOW
• 2003-11-14 Sold (MLS) $32,000 MLSNOW
• 2003-10-02 Listed $35,500 MLSNOW