122 Auld St · Gettysburg, OH 45328

$129,900

2 bd · 1.0 ba · 704 sqft · SingleFamily public records · 1 Days on market

Built 1947 9,583 sqft lot

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Why this score? — see what drove the D 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 +8.8/30.0
• Appreciation +8.5/10.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• 1% rule +2.1/10.0

Listing remarks MLS

Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

Key facts

• 9,583 sq ft lot
• Built 1947

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $-107 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $111k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $92k (29.2% below list).
• Recommended offer: $92k (29.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 58/100 on livability (#1,049 in OH) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D, employment D, schools F.
• Greenville City (town): math 49% / reading 50% proficiency, ranked #456 of 656 in OH (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 1 active listings in the ZIP; 43 units permitted in Darke County in 2024 (0 in 5+ unit buildings).
• This rent is only 17% of the median local income ($64k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• In year one you build about $10k of equity ($898 loan paydown + $9k appreciation (7.0% local appreciation)).
• Darke County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 4, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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: built in 1947 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $91,990 (29.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1947 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-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 D 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.71% ✗
• Cap rate: 5.30%
• Cash-on-cash: -3.53%
• DSCR: 0.84
• GRM: 11.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

7.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.9%
• Equity multiple: 2.06×
• Total profit: $38,468
• Equity at exit: $89,970

10-year hold

• IRR: 14.9%
• Equity multiple: 4.21×
• Total profit: $116,870
• Equity at exit: $170,858

Cash invested: $36,372 (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 45328

• Home prices YoY: 3.7%
• Active inventory: 1
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $920 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$98 /mo · $1,182/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$193
• Net cashflow: $-107

Break-even live

Break-even rent $1,055

Max offer price $110,979

Occupancy floor —

Sensitivity live

Price	-10% $-34	-5% $-70	+0% $-107	+5% $-144	+10% $-181
Rent	-10% $-180	-5% $-143	+0% $-107	+5% $-71	+10% $-34
Rate	-1.0pp $-42	-0.5pp $-74	base $-107	+0.5pp $-141	+1.0pp $-175

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-03-10
   soldstatus $130,000
2. 2026-02-26
   soldstatus $130,000 Closed 530-char remark

   Show marketing remark (530 chars)

   Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

3. 2026-01-23
   status Pending

   Show marketing remark (530 chars)

   Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

4. 2026-01-23
   status Pending 530-char remark

   Show marketing remark (530 chars)

   Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

5. 2026-01-22
   listed $129,900 Active 530-char remark

   Show marketing remark (530 chars)

   Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

6. 2026-01-22
   listed $129,900 Active

   Show marketing remark (530 chars)

   Welcome to quiet Auld Street in Gettysburg! Remodeled in 2022, this cute home is a 2 bedroom 1 full bath with a large living room, eat-in kitchen, and full basement. The most recent upgrade was new HVAC in 2025, updates less than 5 years old include: LVP flooring throughout, trim, doors, LED lighting, bathroom and kitchen cabinet/sink (all appliances convey), new insulation was blown throughout attic and walls. This home also features double hung vinyl windows and two enclosed porches! Don't miss your chance to see this gem!

7. 2022-07-28
   soldstatus $100,000
8. 2022-07-15
   soldstatus $100,000 Sold 570-char remark

   Show marketing remark (570 chars)

   Cute newly remodeled 2 bedroom home with a large living room, eat-in kitchen, bathroom, front and rear enclosed porches and a full basement. Updates include new furnace, central air, all new drywall, interior paint, kitchen cabinets, sink, Whirlpool stainless steel appliances, luxury vinyl plank flooring, trim, door, LED lighting, bathroom, all new insulation in the walls and blown in the attic as well as almost all the plumbing was just replaced and a lot of the wiring. Updated 200 amp breaker box. The vinyl siding and vinyl double pane windows are a added bonus.

9. 2022-07-15
   soldstatus $100,000 Closed 570-char remark

   Show marketing remark (570 chars)

   Cute newly remodeled 2 bedroom home with a large living room, eat-in kitchen, bathroom, front and rear enclosed porches and a full basement. Updates include new furnace, central air, all new drywall, interior paint, kitchen cabinets, sink, Whirlpool stainless steel appliances, luxury vinyl plank flooring, trim, door, LED lighting, bathroom, all new insulation in the walls and blown in the attic as well as almost all the plumbing was just replaced and a lot of the wiring. Updated 200 amp breaker box. The vinyl siding and vinyl double pane windows are a added bonus.

10. 2022-06-16
    historical Active/Pending 570-char remark

    Show marketing remark (570 chars)

    Cute newly remodeled 2 bedroom home with a large living room, eat-in kitchen, bathroom, front and rear enclosed porches and a full basement. Updates include new furnace, central air, all new drywall, interior paint, kitchen cabinets, sink, Whirlpool stainless steel appliances, luxury vinyl plank flooring, trim, door, LED lighting, bathroom, all new insulation in the walls and blown in the attic as well as almost all the plumbing was just replaced and a lot of the wiring. Updated 200 amp breaker box. The vinyl siding and vinyl double pane windows are a added bonus.

11. 2022-06-13
    listed $99,700 Active 570-char remark

    Show marketing remark (570 chars)

    Cute newly remodeled 2 bedroom home with a large living room, eat-in kitchen, bathroom, front and rear enclosed porches and a full basement. Updates include new furnace, central air, all new drywall, interior paint, kitchen cabinets, sink, Whirlpool stainless steel appliances, luxury vinyl plank flooring, trim, door, LED lighting, bathroom, all new insulation in the walls and blown in the attic as well as almost all the plumbing was just replaced and a lot of the wiring. Updated 200 amp breaker box. The vinyl siding and vinyl double pane windows are a added bonus.

ⓘ 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: $1,182 · $98/mo
• Projected year-2 tax: $1,604 · $134/mo
• Expected delta: +$422/yr (+$35/mo · 35.7%)

ⓘ 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 ≥99°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,039
• − Mortgage interest: −$7,276
• − Property taxes: −$1,182
• − Insurance: −$650
• − Repairs & maintenance: −$883
• − Management: −$883
• − Depreciation: −$3,779
• Taxable loss: −$3,614
• Est. tax savings @ 24.0%: +$867
• After-tax cash flow: $-418/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: Greenville City
• NCES district ID: 3904409
• Math proficiency: 49% ▼ -15.00%
• Reading proficiency: 50% ▼ -7.00%
• Median HH income: $39,578
• Composite: 41.38/100
• National rank: #3488
• State rank: #456 of 656 in OH

Livability — Gettysburg

• Score: 58/100
• State rank: #1049
• US rank: #20893

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gettysburg, OH
• County: Darke · 50,606 people
• City population: 538
• Population (ZIP): 538
• Household income: $63,594
• Rent vs Own: 33.5% rent · 66.5% own

Population outlook (Darke County) Hauer SSP2

• Today (2025): 49,377 people
• By 2030: 47,494 · -3.8%
• By 2040: 43,553 · -11.8%
• By 2050: 39,320 · -20.4%
• By 2075: 30,091 · -39.1%
• By 2100: 21,110 · -57.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Slovak 2% Portuguese 1% Iranian 1%
• Foreign-born: 0%

Political lean MEDSL · Darke

• 2024 margin: Solid R (+65.4) · D 17.0% · R 82.3%
• 2008→2024 swing: -29.2pp toward R · 2008: -36.1pp · 2024: -65.4pp
• All cycles: 2024: R+65.4 2020: R+63.6 2016: R+61.2 2012: R+44.9 2008: R+36.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 7.00%
• Current HPI: 197.1598
• 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

+30.4% since first listed

11 events — show timeline

• 2026-03-10 Sold (Public Records) $130,000 Public Records
• 2026-02-26 Sold (MLS) $130,000 Dayton MLS
• 2026-01-23 Pending — WRIST
• 2026-01-23 Pending — Dayton MLS
• 2026-01-22 Listed $129,900 WRIST
• 2026-01-22 Listed $129,900 Dayton MLS
• 2022-07-28 Sold (Public Records) $100,000 Public Records
• 2022-07-15 Sold (MLS) $100,000 Dayton MLS
• 2022-07-15 Sold (MLS) $100,000 Dayton MLS
• 2022-06-16 Contingent — Dayton MLS
• 2022-06-13 Listed $99,700 Dayton MLS

Property tax history

+7.6%/yr

Latest (2025): $1,182 · +0.1% YoY. Source: county tax records.