434 Mary St · Jeannette, PA 15644

$97,900

3 bd · 1.0 ba · 756 sqft · Other public records · 50 Days on market

Built 1952 0.44 ac lot $129/sqft · 15% below area Est $116k · 15% 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 +25.0/30.0
• ARV discount +14.4/15.0
• DSCR +8.1/10.0
• 1% rule +7.0/10.0
• Schools +3.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3 bedroom brick 2 story with many updates and fresh new paint. Move in ready, newer kitchen with island and bar stools, lots of bright white cabinets and a lovely ceramic tile floor. Living room and dining room welcome you with beautiful brand new laminate. Lots of natural lighting with large front window. Window blinds will stay. Covered front porch and covered rear porch give you plenty of room for summer gatherings or to just relax on those beautiful evenings. Rear porch is trex decking requiring little to no maintenance. Very convenient, close to Rt. 30. Only minutes from the NEW AGH Hempfield Hospital.

Key facts

• 0.44 acre lot
• Garage
• Built 1952

Property features AI

Exterior

• Parking: Built-in parking; Off-street parking; Garage door opener; 3 total parking spaces; Attached garage
• Utilities: Public water; Public sewer
• Home design: Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Lot with irregular dimensions (124 x 49 x 32 x 42 x 35 x 92)

Interior

• Kitchen: Dishwasher; Microwave; Stove; Some electric appliances
• Bedrooms: Upper bedroom (12 x 10); Upper bedroom (12 x 12)
• Flooring: Ceramic tile; Hardwood; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (gas); Central air conditioning
• Interior features: Kitchen island; Interior entry basement; Partial, unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $98k.

Deal economics

• At list price, monthly cash flow is $213 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $98k).
• Recommended offer: $95k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#1,552 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, schools B; Watch: crime D+, amenities F, commute F.
• Jeannette City SD (suburban): math 25% / reading 47% proficiency, ranked #417 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 130 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $677 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($95k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y 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 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $94,963 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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. 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: 1.20% ✓
• Cap rate: 8.90%
• Cash-on-cash: 9.32%
• DSCR: 1.41
• GRM: 6.9

CMA / ARV

• ARV (median comp): $115,643
• List price: $97,900
• Delta: -15.34%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -2.2%
• Equity multiple: 0.92×
• Total profit: $-2,265
• Equity at exit: $14,597

10-year hold

• IRR: 7.5%
• Equity multiple: 1.57×
• Total profit: $15,659
• Equity at exit: $8,465

Cash invested: $27,412 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Pennsylvania: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 15644

• Home prices YoY: -34.7%
• Active inventory: 130
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,179 high
• Mortgage (P&I): −$513
• Tax from tax record: −$164 /mo · $1,968/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$247
• Net cashflow: $213

Break-even live

Break-even rent $909

Max offer price $97,900

Occupancy floor 77%

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: $24,475
• Closing costs: $2,937
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
508 Lowry Ave Jeannette, PA	2.0	1.0	1000	$950	$0.95	43d	1	0.57mi
36 Gaskill Ave Unit 2 Jeannette, PA	3.0	1.0	1100	$950	$0.86	1d	1	0.70mi
104 Baughman Ave Unit 1 Jeannette, PA	2.0	2.0	1000	$1,200	$1.20	19d	1	0.71mi
421 N 3rd St Jeannette, PA	2.0	1.0	800	$900	$1.12	1d	1	0.91mi
211 S 7th St Unit A Jeannette, PA	3.0	1.0	900	$1,450	$1.61	1d	1	0.97mi

Listing history 25 events

1. 2026-06-18
   days on market $97,900 Active 50 DOM
2. 2026-06-17
   days on market $97,900 Active 49 DOM
3. 2026-06-16
   days on market $97,900 Active 48 DOM
4. 2026-06-15
   days on market $97,900 Active 47 DOM
5. 2026-06-13
   days on market $97,900 Active 45 DOM
6. 2026-06-09
   days on market $97,900 Active 41 DOM
7. 2026-06-08
   days on market $97,900 Active 40 DOM
8. 2026-06-07
   days on market $97,900 Active 39 DOM
9. 2026-06-03
   days on market $97,900 Active 35 DOM
10. 2026-06-02
    days on market $97,900 Active 34 DOM
11. 2026-06-01
    days on market $97,900 Active 33 DOM
12. 2026-05-31
    days on market $97,900 Active 32 DOM
13. 2026-05-04
    historical Contingent 880-char remark
14. 2026-04-29
    listed $97,900 Active 880-char remark
15. 2020-04-13
    soldstatus $109,000
16. 2020-04-07
    soldstatus $109,000 Sold 623-char remark

    Show marketing remark (623 chars)

    Charming 3 bedroom brick 2 story with many updates and fresh new paint. Move in ready, newer kitchen with island and bar stools, lots of bright white cabinets and a lovely ceramic tile floor. Living room and dining room welcome you with beautiful brand new laminate. Lots of natural lighting with large front window. Window blinds will stay. Covered front porch and covered rear porch give you plenty of room for summer gatherings or to just relax on those beautiful evenings. Rear porch is trex decking requiring little to no maintenance. Very convenient, close to Rt. 30. Only minutes from the NEW AGH Hempfield Hospital.

17. 2020-03-16
    status Under Contract 623-char remark

    Show marketing remark (623 chars)

    Charming 3 bedroom brick 2 story with many updates and fresh new paint. Move in ready, newer kitchen with island and bar stools, lots of bright white cabinets and a lovely ceramic tile floor. Living room and dining room welcome you with beautiful brand new laminate. Lots of natural lighting with large front window. Window blinds will stay. Covered front porch and covered rear porch give you plenty of room for summer gatherings or to just relax on those beautiful evenings. Rear porch is trex decking requiring little to no maintenance. Very convenient, close to Rt. 30. Only minutes from the NEW AGH Hempfield Hospital.

18. 2020-02-09
    historical Contingent 623-char remark

    Show marketing remark (623 chars)

    Charming 3 bedroom brick 2 story with many updates and fresh new paint. Move in ready, newer kitchen with island and bar stools, lots of bright white cabinets and a lovely ceramic tile floor. Living room and dining room welcome you with beautiful brand new laminate. Lots of natural lighting with large front window. Window blinds will stay. Covered front porch and covered rear porch give you plenty of room for summer gatherings or to just relax on those beautiful evenings. Rear porch is trex decking requiring little to no maintenance. Very convenient, close to Rt. 30. Only minutes from the NEW AGH Hempfield Hospital.

19. 2020-01-30
    listed $109,000 Active 623-char remark

    Show marketing remark (623 chars)

    Charming 3 bedroom brick 2 story with many updates and fresh new paint. Move in ready, newer kitchen with island and bar stools, lots of bright white cabinets and a lovely ceramic tile floor. Living room and dining room welcome you with beautiful brand new laminate. Lots of natural lighting with large front window. Window blinds will stay. Covered front porch and covered rear porch give you plenty of room for summer gatherings or to just relax on those beautiful evenings. Rear porch is trex decking requiring little to no maintenance. Very convenient, close to Rt. 30. Only minutes from the NEW AGH Hempfield Hospital.

20. 2014-01-31
    price $84,000

    Show marketing remark (451 chars)

    Charming all Brick 2 Story in Pleasant Park Gorgeous New Kitchen with lots of Cabinets and Storage Plus an Island with Room for Bar Stools Ceramic Tile Floor Cooks Delight. .Bathroom has New Ceramic Tile Floor and Tub Surround. New Sink and Cabinet First Floor Master Bedroom All New Carpet over Hardwood Floors Vinyl Windows 2 Porches Ready for New Owner Convenient Location close to Rt. 30 and Shopping Light and Bright Inside. .. Nice Neighborhood

21. 2014-01-31
    soldstatus $84,000

    Show marketing remark (451 chars)

    Charming all Brick 2 Story in Pleasant Park Gorgeous New Kitchen with lots of Cabinets and Storage Plus an Island with Room for Bar Stools Ceramic Tile Floor Cooks Delight. .Bathroom has New Ceramic Tile Floor and Tub Surround. New Sink and Cabinet First Floor Master Bedroom All New Carpet over Hardwood Floors Vinyl Windows 2 Porches Ready for New Owner Convenient Location close to Rt. 30 and Shopping Light and Bright Inside. .. Nice Neighborhood

22. 2014-01-29
    price $89,999

    Show marketing remark (451 chars)

    Charming all Brick 2 Story in Pleasant Park Gorgeous New Kitchen with lots of Cabinets and Storage Plus an Island with Room for Bar Stools Ceramic Tile Floor Cooks Delight. .Bathroom has New Ceramic Tile Floor and Tub Surround. New Sink and Cabinet First Floor Master Bedroom All New Carpet over Hardwood Floors Vinyl Windows 2 Porches Ready for New Owner Convenient Location close to Rt. 30 and Shopping Light and Bright Inside. .. Nice Neighborhood

23. 2014-01-29
    soldstatus $84,000

    Show marketing remark (451 chars)

    Charming all Brick 2 Story in Pleasant Park Gorgeous New Kitchen with lots of Cabinets and Storage Plus an Island with Room for Bar Stools Ceramic Tile Floor Cooks Delight. .Bathroom has New Ceramic Tile Floor and Tub Surround. New Sink and Cabinet First Floor Master Bedroom All New Carpet over Hardwood Floors Vinyl Windows 2 Porches Ready for New Owner Convenient Location close to Rt. 30 and Shopping Light and Bright Inside. .. Nice Neighborhood

24. 2013-09-21
    listed $89,999

    Show marketing remark (451 chars)

    Charming all Brick 2 Story in Pleasant Park Gorgeous New Kitchen with lots of Cabinets and Storage Plus an Island with Room for Bar Stools Ceramic Tile Floor Cooks Delight. .Bathroom has New Ceramic Tile Floor and Tub Surround. New Sink and Cabinet First Floor Master Bedroom All New Carpet over Hardwood Floors Vinyl Windows 2 Porches Ready for New Owner Convenient Location close to Rt. 30 and Shopping Light and Bright Inside. .. Nice Neighborhood

25. 2013-06-21
    soldstatus $46,000

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $1,968 · $164/mo
• Projected year-2 tax: $1,968 · $164/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 ≥95°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,142
• − Mortgage interest: −$5,484
• − Property taxes: −$1,968
• − Insurance: −$490
• − Repairs & maintenance: −$1,131
• − Management: −$1,131
• − Depreciation: −$2,848
• Taxable income: $1,090
• Est. tax owed @ 24.0%: −$262
• After-tax cash flow: $2,292/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: Jeannette City SD
• NCES district ID: 4212330
• Math proficiency: 25% ▼ -8.00%
• Reading proficiency: 47% ▼ -7.00%
• Median HH income: $37,400
• Composite: 29.88/100
• National rank: #6398
• State rank: #417 of 539 in PA

Livability — Jeannette

• Score: 59/100
• State rank: #1552
• US rank: #20510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jeannette, PA
• County: Westmoreland County · 183,777 people
• City population: 18,512
• Metro: Pittsburgh, PA
• Population (ZIP): 18,512
• Household income: $64,684
• Rent vs Own: 22.9% rent · 77.1% own
• Severe rent burden: 342.0

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 6% Black 5% Hispanic / Latino 3%
• Common ancestry: Romanian 6% Italian 2% Slovak 1%
• Foreign-born: 2% · Canada, South Korea
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.33%
• Current HPI: 179.5086
• Rent YoY: —
• Metro: Pittsburgh, PA
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

Industry mix (Fortune 500 HQ in PA)

Industry	F500 HQs	Revenue
▸Healthcare	2	$309B
▸Insurance	2	$27B
▸Telecommunications / Media	1	$124B
▸Industrial Distribution	1	$22B
▸Financial Services	1	$20B
▸Chemicals / Materials	1	$18B

Price history

+112.8% since first listed

14 events — show timeline

• 2026-05-20 Relisted — West Penn MLS
• 2026-05-04 Contingent — West Penn MLS
• 2026-04-29 Listed $97,900 West Penn MLS
• 2020-04-13 Sold (Public Records) $109,000 Public Records
• 2020-04-07 Sold (MLS) $109,000 West Penn MLS
• 2020-03-16 Pending — West Penn MLS
• 2020-02-09 Contingent — West Penn MLS
• 2020-01-30 Listed $109,000 West Penn MLS
• 2014-01-31 Price Changed $84,000 West Penn MLS
• 2014-01-31 Sold (Public Records) $84,000 Public Records
• 2014-01-29 Sold (MLS) $84,000 West Penn MLS
• 2014-01-29 Price Changed $89,999 West Penn MLS
• 2013-09-21 Listed $89,999 West Penn MLS
• 2013-06-21 Sold (Public Records) $46,000 Public Records

Property tax history

+1.1%/yr

Latest (2026): $1,968 · +0.0% YoY. Source: county tax records.