2014 5th St · Republic, PA 15420

$74,900

4 bd · 2.0 ba · 1,747 sqft · SingleFamily public records · 34 Days on market

Built 1890 0.27 ac lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.1/10.0

Listing remarks MLS

Step back in time with this 3-bedroom, 2-bathroom farmhouse full of character and opportunity. Built in the 1800s, this unique property offers the perfect blend of historic charm and investment potential. Whether you're looking to restore and flip, add to your rental portfolio, or create your dream home, . With solid bones and timeless appeal, this is a rare chance to own a piece of history while making a smart investment. Don’t miss out on the potential this property holds.

Key facts

• Large fenced in yard
• 0.27 acre lot
• 3 parking spots

Tags

• REMODELED 2ND BATHROOM
• LARGE FENCED IN YARD

Property features AI

Exterior

• Parking: Off-street parking for 3 vehicles
• Utilities: Public water; Public sewer
• Home design: 2-story home; Resale property
• Construction: Frame construction; Asphalt roof
• Exterior features: Public transportation nearby

Interior

• Kitchen: Kitchen on main level
• Bedrooms: Bedroom 2 (upper); Bedroom 3 (upper)
• Flooring: Carpet; Hardwood; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced-air heating (gas)
• Interior features: Carpet, hardwood, and laminate flooring; Entry/foyer; Living room; Family room
• Laundry & utility: Main-level laundry

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $604 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $73k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#1,126 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: amenities F, commute F, employment D-.
• Brownsville Area SD (rural): math 17% / reading 34% proficiency, ranked #472 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Brownsville Area El Sch (math 16% / reading 37%, grade F, #1,169 of 1,518 statewide, top 77%, 700 students, 100% FRL); Brownsville Area Ms (math 7% / reading 32%, grade F, #444 of 512 statewide, top 87%, 352 students, 100% FRL); Brownsville Area Hs (math 64% / reading 24%, grade F, #196 of 437 statewide, top 47%, 434 students, 77% FRL) — zoned schools average 92% FRL vs 59% district-wide (33 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 2 active listings in the ZIP; 201 units permitted in Fayette County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($518 loan paydown + $2k appreciation (3.0% local appreciation)).
• Fayette County population projected at -19% 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 $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.
• Current owner paid $15k; list at $75k implies a 399% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $72,653 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 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 1890 — 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. 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.
6. 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.
7. 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: 1.86% ✓
• Cap rate: 15.97%
• Cash-on-cash: 34.55%
• DSCR: 2.54
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $337,171
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
309 Shagbark Rd	0.63mi	4/2.5	1,865 (+7%)	2mo	$360,000	$193	56

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: 40.2%
• Equity multiple: 3.26×
• Total profit: $47,482
• Equity at exit: $33,678

10-year hold

• IRR: 40.2%
• Equity multiple: 6.49×
• Total profit: $115,166
• Equity at exit: $51,902

Cash invested: $20,972 (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 15420

• Active inventory: 2
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,392 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$72 /mo · $862/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $604

Break-even live

Break-even rent $628

Max offer price $74,900

Occupancy floor 52%

Sensitivity live

Price	-10% $646	-5% $625	+0% $604	+5% $583	+10% $561
Rent	-10% $494	-5% $549	+0% $604	+5% $659	+10% $714
Rate	-1.0pp $641	-0.5pp $623	base $604	+0.5pp $584	+1.0pp $565

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-22
   days on market $74,900 Active 34 DOM
2. 2026-06-21
   days on market $74,900 Active 33 DOM
3. 2026-06-21
   days on market $74,900 Active 32 DOM
4. 2026-06-18
   days on market $74,900 Active 30 DOM
5. 2026-06-17
   days on market $74,900 Active 29 DOM
6. 2026-06-16
   days on market $74,900 Active 28 DOM
7. 2026-06-15
   days on market $74,900 Active 27 DOM
8. 2026-06-13
   days on market $74,900 Active 25 DOM
9. 2026-06-12
   days on market $74,900 Active 24 DOM
10. 2026-06-09
    days on market $74,900 Active 21 DOM
11. 2026-06-08
    days on market $74,900 Active 20 DOM
12. 2026-06-08
    days on market $74,900 Active 19 DOM
13. 2026-06-04
    days on market $74,900 Active 15 DOM
14. 2026-06-02
    days on market $74,900 Active 14 DOM
15. 2026-06-01
    days on market $74,900 Active 13 DOM
16. 2026-05-31
    days on market $74,900 Active 12 DOM
17. 2026-05-19
    listed $74,900 Active
18. 2026-04-08
    historical Expired 488-char remark

    Show marketing remark (488 chars)

    Step back in time with this 3-bedroom, 2-bathroom farmhouse full of character and opportunity. Built in the 1800s, this unique property offers the perfect blend of historic charm and investment potential. Whether you're looking to restore and flip, add to your rental portfolio, or create your dream home, . With solid bones and timeless appeal, this is a rare chance to own a piece of history while making a smart investment. Don’t miss out on the potential this property holds.

19. 2025-07-06
    price $70,000 488-char remark

    Show marketing remark (488 chars)

    Step back in time with this 3-bedroom, 2-bathroom farmhouse full of character and opportunity. Built in the 1800s, this unique property offers the perfect blend of historic charm and investment potential. Whether you're looking to restore and flip, add to your rental portfolio, or create your dream home, . With solid bones and timeless appeal, this is a rare chance to own a piece of history while making a smart investment. Don’t miss out on the potential this property holds.

20. 2025-04-09
    listed $75,000 Active 488-char remark

    Show marketing remark (488 chars)

    Step back in time with this 3-bedroom, 2-bathroom farmhouse full of character and opportunity. Built in the 1800s, this unique property offers the perfect blend of historic charm and investment potential. Whether you're looking to restore and flip, add to your rental portfolio, or create your dream home, . With solid bones and timeless appeal, this is a rare chance to own a piece of history while making a smart investment. Don’t miss out on the potential this property holds.

21. 2011-02-11
    soldstatus $15,000

ⓘ 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: $862 · $72/mo
• Projected year-2 tax: $1,023 · $85/mo
• Expected delta: +$161/yr (+$13/mo · 18.6%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,703
• − Mortgage interest: −$4,196
• − Property taxes: −$862
• − Insurance: −$374
• − Repairs & maintenance: −$1,336
• − Management: −$1,336
• − Depreciation: −$2,179
• Taxable income: $6,419
• Est. tax owed @ 24.0%: −$1,541
• After-tax cash flow: $5,704/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: Brownsville Area SD
• NCES district ID: 4204080
• Math proficiency: 17% ▼ -3.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $34,500
• Composite: 20.93/100
• National rank: #8481
• State rank: #472 of 539 in PA

Livability — Republic

• Score: 65/100
• State rank: #1126
• US rank: #12918

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 272

Population outlook (Fayette County) Hauer SSP2

• Today (2025): 127,561 people
• By 2030: 123,206 · -3.4%
• By 2040: 113,232 · -11.2%
• By 2050: 103,468 · -18.9%
• By 2075: 83,185 · -34.8%
• By 2100: 62,384 · -51.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (100%)
• Race & ethnicity: White 100%
• Common ancestry: Iranian 67%

Political lean MEDSL · Fayette

• 2024 margin: Solid R (+37.9) · D 30.8% · R 68.7%
• 2008→2024 swing: -37.5pp toward R · 2008: -0.4pp · 2024: -37.9pp
• All cycles: 2024: R+37.9 2020: R+33.5 2016: R+31.0 2012: R+8.3 2008: R+0.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• 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

+399.3% since first listed

5 events — show timeline

• 2026-05-19 Listed $74,900 West Penn MLS
• 2026-04-08 Delisted — West Penn MLS
• 2025-07-06 Price Changed $70,000 West Penn MLS
• 2025-04-09 Listed $75,000 West Penn MLS
• 2011-02-11 Sold (Public Records) $15,000 Public Records

Property tax history

+2.6%/yr

Latest (2026): $862 · +0.0% YoY. Source: county tax records.