1 North View Dr · Schlusser, PA 17013

$198,900

3 bd · 2.0 ba · 1,782 sqft · Manufactured public records · 12 Days on market

Built 1993 0.26 ac lot

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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 +22.5/30.0
• ARV discount +7.5/15.0
• DSCR +7.2/10.0
• 1% rule +5.2/10.0
• Schools +3.8/10.0
• Livability +3.3/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

1/4 acre lot for sale with public water/sewer. Mobile home owned by someone else, renting lot. Lot rent is $300/mo & could be increased. Or mobile removed. Currently month to month leases. Great site for your own doublewide or home.

Key facts

• Private lot
• Chef's dream kitchen
• Cathedral ceilings

Tags

• PRIVATE LOT
• CHEF'S DREAM KITCHEN
• CUSTOM BUTCHER BLOCK TOP
• NEW DEEP STAINLESS SINK
• CATHEDRAL CEILINGS
• SKYLIGHTS

Property features AI

Finance

• HOA & community: Ground rent paid annually

Exterior

• Parking: Two total garage/parking spaces; Driveway provides 2 spaces; Asphalt/paved private driveway and paved parking; On-street and off-street parking available
• Utilities: Public water and public sewer; Electric available; Cable TV available; Cable internet service; Electric hot water
• Home design: Manufactured (double wide) home; Single-story (1 level); Entry on main level; Main entrance faces east; Modular/Manufactured construction with vinyl siding
• Construction: Asphalt roof; Crawl space foundation with pillar/post/pier support; Double-pane insulated vinyl-clad windows with screens; Estimated major remodel or effective year 2026
• Exterior features: Porch(es); Exterior lighting; Gutter system; Play area; Front yard, rear yard and side yards with landscaping; Level lot with road frontage; Vegetation planting

Interior

• Kitchen: Stainless steel appliances; Built-in microwave; Dishwasher; Electric oven/range (self-cleaning); Kitchen island
• Bedrooms: Three bedrooms on the main level (one is a master bedroom on the main level)
• Flooring: Carpet; Luxury vinyl plank
• Bathrooms: Two full bathrooms (both on the main level) including master bath
• Heating & cooling: Forced air heating with electric heat pump(s); Central A/C (electric); 200+ amp electrical service with circuit breakers
• Interior features: Open floor plan with family room off the kitchen; Breakfast area and eat-in kitchen with island; Upgraded countertops; Skylights; Built-ins and mantels; Bathroom with walk-in shower; Six-panel insulated doors; Drywall walls and ceilings
• Laundry & utility: Main floor laundry with hookups; Washer/dryer hookups only; Electric water heater; Exhaust fan

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $199k.

Deal economics

• At list price, monthly cash flow is $333 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $199k).
• Cap rate 8.3% vs local median 4.0% in Schlusser — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#1,058 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Carlisle Area SD (urban): math 33% / reading 55% proficiency, ranked #277 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Carlisle Area Hs (math 70% / reading 75%, grade B+, #37 of 437 statewide, top 8%, 1,578 students, 39% FRL).
• Zoned-school proficiency averages 72% at this address vs 44% district-wide (+28 pts) — the actual schools serving this property are materially stronger than the Carlisle Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+2.5%/yr); 308 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).
• This rent runs 34% of the median local income ($71k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 23y 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.
• Current owner paid $35k; list at $199k implies a 468% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $198,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.02% ✓
• Cap rate: 8.30%
• Cash-on-cash: 7.18%
• DSCR: 1.32
• GRM: 8.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.54% rent growth · sell at horizon

5-year hold

• IRR: -5.8%
• Equity multiple: 0.79×
• Total profit: $-11,963
• Equity at exit: $29,657

10-year hold

• IRR: 3.3%
• Equity multiple: 1.23×
• Total profit: $12,988
• Equity at exit: $17,197

Cash invested: $55,692 (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 17013

• Rents YoY: 2.5%
• Active inventory: 308
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,023 medium
• Mortgage (P&I): −$1,043
• Tax from tax record: −$139 /mo · $1,670/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$425
• Net cashflow: $333

Break-even live

Break-even rent $1,601

Max offer price $198,900

Occupancy floor 79%

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: $49,725
• Closing costs: $5,967
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10 Heather Dr Carlisle, PA	4.0	2.5	1625	$2,200	$1.35	21d	1	0.17mi
1838 Mary Ln Carlisle, PA	3.0	1.5	1523	$800	$0.53	14d	1	1.06mi

Listing history 8 events

1. 2026-06-15
   status $198,900 Pending 12 DOM
2. 2026-06-15
   days on market $198,900 Active 12 DOM
3. 2026-06-14
   days on market $198,900 Active 10 DOM
4. 2026-06-10
   days on market $198,900 Active 7 DOM
5. 2026-06-09
   days on market $198,900 Active 6 DOM
6. 2026-06-08
   days on market $198,900 Active 5 DOM
7. 2026-06-07
   remarks 699-char remark
8. 2026-06-07
   listed $198,900 Active 4 DOM

ⓘ 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: $1,670 · $139/mo
• Projected year-2 tax: $2,406 · $201/mo
• Expected delta: +$736/yr (+$61/mo · 44.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 73% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,282
• − Mortgage interest: −$11,141
• − Property taxes: −$1,670
• − Insurance: −$994
• − Repairs & maintenance: −$1,943
• − Management: −$1,943
• − Depreciation: −$5,786
• Taxable income: $804
• Est. tax owed @ 24.0%: −$193
• After-tax cash flow: $3,808/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: Carlisle Area SD
• NCES district ID: 4205010
• Math proficiency: 33% ▼ -14.00%
• Reading proficiency: 55% ▼ -10.00%
• Median HH income: $55,334
• Composite: 38.23/100
• National rank: #4247
• State rank: #277 of 539 in PA

Livability — Schlusser

• Score: 66/100
• State rank: #1058
• US rank: #11941

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Schlusser, PA
• County: Cumberland County · 257,673 people
• City population: 37,738
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 38,513
• Household income: $71,042
• Rent vs Own: 38.3% rent · 61.7% own
• Severe rent burden: 1444.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 8% Hispanic / Latino 7% Two or more races 6% Asian 3%
• Hispanic origin (detail): Puerto Rican 3% Dominican 1%
• Common ancestry: Iranian 3% Romanian 3% Lithuanian 2%
• Foreign-born: 7% · Canada, Vietnam
• Languages at home: 91% English-only · Spanish 3% Russian/Polish/Slavic 1% Arabic 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.48%
• Current HPI: 247.337
• Rent YoY: ▲ 2.54%
• Metro: Harrisburg-Carlisle, 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

+65.8% since first listed

8 events — show timeline

• 2026-06-03 Listed $198,900 BRIGHT MLS
• 2006-05-31 Sold (MLS) $35,000 BRIGHT MLS
• 2006-04-20 Listing Removed — BRIGHT MLS
• 2006-04-17 Listed $40,000 BRIGHT MLS
• 2004-04-01 Sold (MLS) $44,000 BRIGHT MLS
• 2003-11-10 Listing Removed — BRIGHT MLS
• 2003-11-10 Listed $46,900 BRIGHT MLS
• 1992-06-11 Sold (Public Records) $120,000 Public Records

Property tax history

+2.7%/yr

Latest (2026): $1,670 · +3.1% YoY. Source: county tax records.