25 W 1st St #1 · Everett, PA 15537

$155,000

4 bd · 2.0 ba · 1,930 sqft · SingleFamily · 10 Days on market

Built 1981 Fair condition 0.36 ac lot Est $141k · 10% over

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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 +17.1/30.0
• Appreciation +10.0/10.0
• DSCR +5.3/10.0
• 1% rule +4.6/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• ARV discount +3.0/15.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks

Two for the price of One!! One house on two lots with 2 garages. Much potential in this 2story, 4 bedroom home built in1871 - hardwood floors, original woodwork, even pocket doors! There is a full bath on each level and a main floor laundry. Charming covered front porch. The rear deck opens into a surprisingly private back yard with mature landscaping. This rehab project was interrupted and now needs someone to take over and complete the work already started. This is your chance to truly make this home your own and build equity at the same time.

Key facts

• Two lots
• Pocket doors
• Two garages

Tags

• TWO LOTS
• TWO GARAGES
• HARDWOOD FLOORS
• ORIGINAL WOODWORK
• POCKET DOORS
• FULL BATH ON EACH LEVEL

Property features AI

Exterior

• Parking: Detached or attached garage with 1 parking space
• Utilities: Public water
• Home design: Single-family residence; Two-story; Fixer condition
• Construction: Vinyl siding; Shingle roof; Built with a basement
• Exterior features: Deck; Porch

Interior

• Flooring: Hardwood; Vinyl; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating
• Interior features: Insulated windows; Basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $155k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $107 ($1k/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 $149k (3.7% below list).
• Recommended offer: $149k (3.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#906 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: amenities F, commute F, employment F.
• Everett Area SD (rural): math 32% / reading 52% proficiency, ranked #337 of 539 in PA (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 61 active listings in the ZIP; 54 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $17k of equity ($1k loan paydown + $16k appreciation (10.0% local appreciation)).
• Bedford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $149,196 (3.7% below list)

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 7.13%
• Cash-on-cash: 2.97%
• DSCR: 1.13
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $140,890
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19 Second St W	0.07mi	4/2.0	1,960 (+2%)	13mo	$67,500	$34	83
137 E 1st St	0.20mi	4/2.5	2,094 (+8%)	13mo	$110,000	$53	64
133 Mechanic St	0.13mi	3/2.0 (-1)	1,770 (-8%)	17mo	$161,500	$91	61
118 W South St	0.22mi	3/1.0 (-1)	1,716 (-11%)	8mo	$125,000	$73	55

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.4%
• Equity multiple: 3.10×
• Total profit: $91,285
• Equity at exit: $139,636

10-year hold

• IRR: 23.2%
• Equity multiple: 7.07×
• Total profit: $263,481
• Equity at exit: $301,131

Cash invested: $43,400 (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 15537

• Home prices YoY: 17.3%
• Active inventory: 61
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,492 medium
• Mortgage (P&I): −$813
• Tax est. 1.5%: −$194 /mo · $2,325/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $107

Break-even live

Break-even rent $1,356

Max offer price $155,000

Occupancy floor 88%

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-18
   days on market $155,000 Active 10 DOM
2. 2026-06-17
   days on market $155,000 Active 9 DOM
3. 2026-06-16
   days on market $155,000 Active 8 DOM
4. 2026-06-15
   days on market $155,000 Active 7 DOM
5. 2026-06-13
   days on market $155,000 Active 5 DOM
6. 2026-06-12
   days on market $155,000 Active 4 DOM
7. 2026-06-09
   remarks 553-char remark
8. 2026-06-09
   listed $155,000 Active 1 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,904
• − Mortgage interest: −$8,682
• − Property taxes: −$2,325
• − Insurance: −$775
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − Depreciation: −$4,509
• Taxable loss: −$1,253
• Est. tax savings @ 24.0%: +$301
• After-tax cash flow: $1,590/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

This 2-story home, built in 1871, has potential for significant value increase with moderate renovations. The kitchen and bathroom are incomplete, and the exterior needs landscaping. The home is in fair condition with some deferred maintenance.

Repairs flagged

• Major Kitchen countertops and backsplash — Missing essential components for a functional kitchen
• Major Bathroom fixtures and tile — Missing essential components for a functional bathroom
• Major Exterior vegetation — Overgrown vegetation needs trimming and landscaping

Value-add opportunities

• Both Complete kitchen and bathroom — Fully functional kitchens and bathrooms are essential for both resale and rental value
• Both Landscaping and curb appeal — A well-maintained exterior enhances curb appeal and can increase both resale and rental value

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen countertops and backsplash · Missing essential components for a functional kitchen	Major	$15,000–50,000
Bathroom fixtures and tile · Missing essential components for a functional bathroom	Major	$15,000–50,000
Exterior vegetation · Overgrown vegetation needs trimming and landscaping	Major	$15,000–50,000
Total estimated repair cost · 3 items		$45,000–150,000

Value-add ROI direction

• Both Complete kitchen and bathroom — Fully functional kitchens and bathrooms are essential for both resale and rental value ↑
• Both Landscaping and curb appeal — A well-maintained exterior enhances curb appeal and can increase both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Everett Area SD
• NCES district ID: 4209360
• Math proficiency: 32% ▼ -10.00%
• Reading proficiency: 52% ▼ -9.00%
• Median HH income: $41,322
• Composite: 35.24/100
• National rank: #4979
• State rank: #337 of 539 in PA

Livability — Everett

• Score: 68/100
• State rank: #906
• US rank: #9719

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Everett, PA
• Population (ZIP): 8,272

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 45,395 people
• By 2030: 43,353 · -4.5%
• By 2040: 38,858 · -14.4%
• By 2050: 34,162 · -24.7%
• By 2075: 24,868 · -45.2%
• By 2100: 16,910 · -62.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 6% Italian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+68.6) · D 15.4% · R 84.0%
• 2008→2024 swing: -23.8pp toward R · 2008: -44.8pp · 2024: -68.6pp
• All cycles: 2024: R+68.6 2020: R+67.7 2016: R+67.4 2012: R+54.9 2008: R+44.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 37.19%
• Current HPI: 252.292
• 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

1 event — show timeline

• 2026-06-08 Listed $155,000 AHARMLS