Property ID: 4942441644
501 East St, Kenton, OH, 43326
Kenton, OH
Money Down: $43,176
CoC Return: -7.54%
Monthly Cash Flow: $-271
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,980
Closing Costs
$7,196
Total Down
$43,176
Investment Snapshot
Purchase Price
$179,900
Money Down
$43,176
Cash-on-Cash Return
-7.54%
Rent
$969
Monthly Cash Flow
$-271
Annual Cash Flow
$-3,256
Debt Service / Mo
$958
Property Tax / Mo
$142
Insurance / Mo
$44
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$969
Payment Standard
$1,230
Rent
$969
Insurance
$44
Property Tax
$142
Management
$97
Utilities Allowance
$261
NOI (Monthly)
$686
Debt Service
$958
Cash Flow After Debt
$-271
Quality Score: 74.40%
Confidence: 94.00%
Overall this ranch appears to be in good, mostly move‑in condition and would likely pass an initial HCV/NSPIRE inspection with modest fixes. Strengths: newer metal roof, intact siding, finished-looking living spaces, waterproofed basement and functional porch/rail. Moderate inspection risks stem from unverified mechanicals (furnace, water heater, electrical panel), missing visibility of GFCI outlets and CO protection, and unknown bedroom/bath egress/fixtures. Typical minor repairs (porch paint, step cleaning/repair, driveway grading, GFCI/CO installation if missing, and documentation/servicing of mechanicals) should be addressed within 1–4 weeks to ensure compliance.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$261
Guaranteed Section 8 Rent (PS - Utilities)
$969
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$179,900
Beds
3
Baths
1
Living Area
1,008 sqft
Lot Size
11,761 sqft
Year Built
1989
Days on Market
47
Capital Outlay
$43,176
Debt Service
$958
Property Tax / Mo
$142
Insurance / Mo
$44
Property Description
Welcome to this charming ranch style home, perfect for those seeking comfort and convenience! This property features 3 bedrooms making it ideal for families or anyone looking for extra space. The attached one car garage offers easy access and additional storage. One of the standout features of this home is its newer metal roof, providing durability and peace of mind for years to come. The unfinished full basement presents a fantastic opportunity for customization, whether you envision a recreation room, additional living space, or ample storage, the possibilities are endless! Plus, the basement was waterproofed in 2014 by EverDry, ensuring a dry and secure environment. Don;t miss out on the chance to make this lovely ranch your own. Schedule a showing today!
Utility Allowances
Heating
$75
Selected 'Natural Gas' as the property information specifies 'Heating Features: Forced Air, Natural Gas'. The value is from the '3br' column.
Water Heating
$41
Selected 'Electric' as the property information lists 'Electric Water Heater' under appliances. The value is from the '3br' column.
Cooking
$13
Selected 'Electric' as the property provides an oven and range, and this choice is consistent with the explicitly stated electric water heater. The value is from the '3br' column.
Other Electric
$39
This is a standard, non-optional allowance for general electricity usage (lights, outlets). The value is from the '3br' column.
Water
$32
The property information specifies 'Water Source: Public'. This is a standard tenant-paid utility. The value is from the '3br' column.
Sewer
$36
The property information specifies 'Sewer: Public Sewer'. This is a standard tenant-paid utility. The value is from the '3br' column.
Trash Collection
$25
This service is standard for a single-family home and is assumed to be tenant-paid as it's not specified otherwise. The value is from the '3br' column.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$518
DP3 Annual Estimate$542
DP1 Monthly Equivalent$43
DP3 Monthly Equivalent$45
Replacement Value$99,060
Basis1,008 sqft / 1989
Nearby Houses
Photo unavailable
930 Vernon St
sold · 0.04 mi
Price: $80,000
3 bd / 2 ba · 1,404 sqft
Latest sale: $80,000 on May 20, 2020
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.04 mi
Price: $60,000
3 bd / 1 ba · 1,320 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
920 Cooper St
for_sale · 0.07 mi
Price: $117,800
2 bd / 1 ba · 884 sqft
Latest sale: $35,000
Latest rent: —
Photo unavailable
828 Lick St
sold · 0.08 mi
Price: $90,000
3 bd / 1 ba · 864 sqft
Latest sale: $90,000 on Dec 22, 2021
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.11 mi
Price: $79,000
1 bd / 1 ba · 588 sqft
Latest sale: $79,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that roof is 'newer metal' is accurate and the roof is in good condition.
- A forced-air heating system exists (floor register visible) and is operational though not photographed.
- Hot water and water heater are present and functional but not photographed or documented.
- No major unseen structural damage exists beneath visible finishes—the foundation visible in photos shows no obvious movement.
- Kitchen appliances (stove/refrigerator) are not shown; if missing they would be an easy-to-fix rental readiness item and not an automatic failure.
- Carbon monoxide alarm, GFCI outlets in kitchen/bath, and electrical panel condition are unknown and should be verified prior to lease.
- Basement was waterproofed in 2014 (as listed) and there is no current active leakage visible from exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,652 | $109,230 | $38,230 |
| 2024 | $1,997 | $109,230 | $38,230 |
| 2023 | $1,523 | $106,630 | $37,320 |
| 2022 | $1,499 | $92,310 | $32,310 |
| 2021 | $1,505 | $92,310 | $32,310 |
| 2020 | $1,305 | $92,310 | $32,310 |
| 2019 | $1,049 | $76,510 | $26,780 |
| 2018 | $1,050 | $76,510 | $26,780 |
| 2017 | $1,036 | $76,510 | $26,780 |
| 2016 | $1,126 | $87,280 | $30,550 |
| 2015 | $1,101 | $87,280 | $30,550 |
| 2014 | $1,096 | $87,280 | $30,550 |
| 2013 | $1,227 | $93,880 | $32,860 |
| 2012 | $1,220 | $93,880 | $32,860 |
| 2011 | $1,228 | $93,880 | $32,860 |
| 2009 | $1,159 | $101,910 | $35,670 |
| 2008 | $1,122 | $101,910 | $35,670 |
| 2006 | $1,074 | $96,970 | $33,940 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-07-31 | Sold | $159,400 |
Photo Gallery
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"note": "This is a standard, non-optional allowance for general electricity usage (lights, outlets). The value is from the '3br' column.",
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"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 65.0,
"rationale": "Listing states a newer metal roof and basement waterproofing (EverDry 2014) which reduce risk of water intrusion. No visible roof leaks, sagging, or foundation movement in photos. However, critical systems (heating source, HVAC equipment, water heater, electrical panel, and plumbing operation) are not shown. No signs of major system distress visible, but lack of photographic confirmation lowers score — expect standard pre-inspection checks (heat/hot water/electrical) and possible servicing. If HVAC and water heater are present and functional, this would raise the score."
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"label": "Exterior envelope & site condition",
"score": 80.0,
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"confidence": 0.7,
"assumptions": [
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"Basement waterproofing performed in 2014 (EverDry) is intact and there is no active water intrusion.",
"Interior mechanical systems (furnace/HVAC, water heater, electrical panel) exist but were not photographed; assume typical serviceable condition unless inspection reveals otherwise.",
"Appliances (stove/fridge) are not shown; their absence would be an easy-to-fix, capital item and not a major safety failure unless gas/electrical connections are unsafe.",
"The wall-mounted alarm device by the entry is either a smoke or CO/combination alarm; additional detectors in sleeping areas are not visible and should be verified/installed.",
"No visible major structural defects (sagging rooflines, foundation cracks, collapsed ceilings) are present in the provided photos."
],
"overall_score": 73.0,
"rubric_version": "nsPIRE-2024-v1"
},
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"criteria": [
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"label": "Condition & Repairs",
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},
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"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "Visible indicators of safety compliance: a smoke/CO style detector is visible above the interior door; front door has both knob and a deadbolt; no exposed wiring or hanging electrical hazards are visible; porch has a guardrail. Windows appear full-size and likely provide bedroom egress (photos show reasonably sized windows). No active roof leaks, staining, mold, or collapsed ceilings are apparent. Unknowns that affect NSPIRE risk: GFCI protection at kitchen/bath and bathroom ventilation not visible, electrical panel condition not shown, and CO device function/placement cannot be fully verified. These unknowns reduce the safety score modestly but no immediate life-threatening hazards are evident in the photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states a newer metal roof which reduces roof risk. Floor vent visible in entry suggests forced-air HVAC distribution (likely present). Basement waterproofed in 2014 indicates attention to water intrusion. However key system components are not photographed: HVAC unit, water heater, electrical panel, and plumbing access are not shown so operational condition is assumed but not verified. Because these are unknowns, and failure of any could cause inspection issues, a conservative score was applied despite positive exterior signs."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Yard and site are generally tidy; siding appears intact, gutters/downspouts present, and foundation walls visible and appear stable (concrete block stem). Driveway is gravel but serviceable; attached garage door looks intact. Front porch has guardrail and steps; no obvious major trip hazards or collapsed features. Some landscaping cleanup and minor porch railing repainting are recommended but not required for inspection clearance."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing's claim of a 'newer metal roof' is accurate and the roof is in good condition.",
"Basement waterproofing (EverDry 2014) remains effective and there is no active water intrusion; no interior basement photos provided.",
"An HVAC system exists and is operational (floor vent visible in entry) though the unit itself is not shown.",
"Water heater and main plumbing are present and operational (not photographed).",
"Kitchen and bathroom appliances/fixtures were not pictured; appliance availability is unknown. Missing stove/refrigerator would moderately reduce readiness but is assumed resolvable.",
"Smoke/CO device visible is present and functional; placement meets local code or is easily corrected.",
"Electrical panel and GFCI/AFCI protection locations were not photographed; assumed typical condition unless inspection shows otherwise."
],
"overall_score": 76.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "501 East St, Kenton, OH, 43326",
"aggregate": {
"summary": "Overall this ranch appears to be in good, mostly move‑in condition and would likely pass an initial HCV/NSPIRE inspection with modest fixes. Strengths: newer metal roof, intact siding, finished-looking living spaces, waterproofed basement and functional porch/rail. Moderate inspection risks stem from unverified mechanicals (furnace, water heater, electrical panel), missing visibility of GFCI outlets and CO protection, and unknown bedroom/bath egress/fixtures. Typical minor repairs (porch paint, step cleaning/repair, driveway grading, GFCI/CO installation if missing, and documentation/servicing of mechanicals) should be addressed within 1–4 weeks to ensure compliance.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior photos show well-kept living spaces, intact laminate flooring, painted walls and functioning ceiling fans. Exterior siding and porch are intact. Minor deferred items visible: porch paint/wear, small concrete step with surface moss/staining, yard clean-up and mulch beds, gravel driveway ruts. Listing notes unfinished basement (cosmetic) and no interior kitchen/bath photos to confirm appliance/fixture condition. Missing/unknown appliances reduce the score moderately but there is no visible severe interior damage."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Well-maintained exterior siding, intact newer metal roof, attached garage, and covered front porch. Foundation appears continuous and there are no visible major foundation cracks or sagging. Yard is roomy but needs seasonal cleanup; gravel driveway shows wear/ruts. Large tree in front yard close to the foundation/tree roots are a potential maintenance concern but no immediate structural issues visible. Gutters/downspouts appear present."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 71.7,
"rationale": "Visible positive items: a mounted smoke detector near the front door, porch railing present, no visible exposed wiring, ceilings/plaster appear intact, no visible active leaks or mold in photos. Unknown/uncertain items: carbon monoxide alarm not visible (may be required), GFCI protection in kitchen/bath not shown, bedroom egress windows and bathroom fixtures not photographed, electrical panel location/condition not shown. Entry door appears to have secure locks. These unknowns create moderate NSPIRE risk but no immediate life‑threatening hazards are visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 69.0,
"rationale": "Listing states a newer metal roof (positive). Interior floor register is visible (indicates forced‑air heating/ducting present). Basement was waterproofed in 2014 per listing (positive for water intrusion mitigation). No photos of the furnace, water heater, electrical panel, or hot water availability; these systems are assumed present but unverified. Gravel driveway/grades near foundation look generally adequate but tree close to house could affect roots/drainage long-term. Absence of visible HVAC or equipment documentation lowers confidence slightly."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Listing statement that roof is 'newer metal' is accurate and the roof is in good condition.",
"A forced-air heating system exists (floor register visible) and is operational though not photographed.",
"Hot water and water heater are present and functional but not photographed or documented.",
"No major unseen structural damage exists beneath visible finishes—the foundation visible in photos shows no obvious movement.",
"Kitchen appliances (stove/refrigerator) are not shown; if missing they would be an easy-to-fix rental readiness item and not an automatic failure.",
"Carbon monoxide alarm, GFCI outlets in kitchen/bath, and electrical panel condition are unknown and should be verified prior to lease.",
"Basement was waterproofed in 2014 (as listed) and there is no current active leakage visible from exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 74.4,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4942441644"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.