3612 Mohawk Trl · Pymatuning Central, PA 16424

$174,900

2 bd · 1.0 ba · 1,072 sqft · Manufactured · 30 Days on market

Built 1979 1.02 ac lot $20/mo HOA · 1% of rent

---

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 +14.7/30.0
• Appreciation +9.2/10.0
• ARV discount +7.5/15.0
• DSCR +4.5/10.0
• Schools +4.0/10.0
• 1% rule +3.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Set on a peaceful 1-acre lot near Pymatuning reservoir with access to Lake Betsy just minutes away. This mobile home features a sunroom addition, plus a detached 2-car garage with its own attached sunroom. Convenient location with a quiet setting, perfect for a weekend retreat or year-round living.

Key facts

• 1 acre lot
• Sunroom addition
• Access to lake betsy

Tags

• 1 ACRE LOT
• SUNROOM ADDITION
• DETACHED 2 CAR GARAGE
• ACCESS TO LAKE BETSY

Property features AI

Finance

• Other: Lot approximately 1.02 acres (dimensions: 115 x 212 x 260 x 77); Zoning: CRM
• HOA & community: Homeowners association with annual fee of $240 (approximately $20/month); fee includes trash

Exterior

• Parking: Detached garage with garage door opener; 2 garage spaces
• Utilities: Well water; Public sewer
• Home design: Single-family residence; Residential property type
• Construction: Vinyl siding; Composition roof; Crawl space foundation; Home warranty included
• Exterior features: Enclosed, screened porch; Sidewalks; Cleared, level and wooded lot

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: Total of 7 rooms (includes bedrooms and other living spaces)
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump for heating and cooling; Propane heating
• Interior features: Window coverings and drapes; Exhaust fan
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $175k.

Deal economics

• At list price, monthly cash flow is $46 ($555/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 $145k (17.2% below list).
• Recommended offer: $145k (17.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#1,181 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, health & safety D, schools F.
• Conneaut SD (rural): math 38% / reading 57% proficiency, ranked #241 of 539 in PA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 53 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (8.5% local appreciation)).
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.5% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($172k) 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.

Recommended offer $144,842 (17.2% below list)

Questions for the listing agent

1. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
6. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
7. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
8. 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.
9. 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.
10. 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: 0.83% ✗
• Cap rate: 6.61%
• Cash-on-cash: 1.13%
• DSCR: 1.05
• GRM: 10.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.9%
• Equity multiple: 2.64×
• Total profit: $80,410
• Equity at exit: $138,684

10-year hold

• IRR: 20.0%
• Equity multiple: 5.73×
• Total profit: $231,398
• Equity at exit: $281,017

Cash invested: $48,972 (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 16424

• Home prices YoY: 3.2%
• Active inventory: 53
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,448 medium
• Mortgage (P&I): −$917
• Tax from tax record: −$88 /mo · $1,055/yr
• Insurance: −$73
• HOA: −$20
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $46

Break-even live

Break-even rent $1,390

Max offer price $174,900

Occupancy floor 92%

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $20 · $240/yr

Listing history 18 events

1. 2026-06-19
   days on market $174,900 Active 30 DOM
2. 2026-06-18
   days on market $174,900 Active 29 DOM
3. 2026-06-17
   days on market $174,900 Active 28 DOM
4. 2026-06-16
   days on market $174,900 Active 27 DOM
5. 2026-06-15
   days on market $174,900 Active 26 DOM
6. 2026-06-14
   days on market $174,900 Active 24 DOM
7. 2026-06-12
   days on market $174,900 Active 23 DOM
8. 2026-06-09
   days on market $174,900 Active 20 DOM
9. 2026-06-08
   days on market $174,900 Active 19 DOM
10. 2026-06-07
    days on market $174,900 Active 18 DOM
11. 2026-06-07
    days on market $174,900 Active 17 DOM
12. 2026-06-03
    days on market $174,900 Active 14 DOM
13. 2026-06-02
    days on market $174,900 Active 13 DOM
14. 2026-06-01
    days on market $174,900 Active 12 DOM
15. 2026-05-31
    days on market $174,900 Active 11 DOM
16. 2026-05-30
    days on market $174,900 Active 10 DOM
17. 2026-05-20
    listed $174,900 Active

    Show marketing remark (299 chars)

    Set on a peaceful 1-acre lot near Pymatuning reservoir with access to Lake Betsy just minutes away. This mobile home features a sunroom addition, plus a detached 2-car garage with its own attached sunroom. Convenient location with a quiet setting, perfect for a weekend retreat or year-round living.

18. 2026-05-20
    listed $174,900 Active 299-char remark

    Show marketing remark (299 chars)

    Set on a peaceful 1-acre lot near Pymatuning reservoir with access to Lake Betsy just minutes away. This mobile home features a sunroom addition, plus a detached 2-car garage with its own attached sunroom. Convenient location with a quiet setting, perfect for a weekend retreat or year-round living.

ⓘ 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: $1,055 · $88/mo
• Projected year-2 tax: $1,909 · $159/mo
• Expected delta: +$854/yr (+$71/mo · 81.0%)

ⓘ 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 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,381
• − Mortgage interest: −$9,797
• − Property taxes: −$1,055
• − Insurance: −$874
• − Repairs & maintenance: −$1,390
• − Management: −$1,390
• − HOA: −$240
• − Depreciation: −$5,088
• Taxable loss: −$2,454
• Est. tax savings @ 24.0%: +$589
• After-tax cash flow: $1,144/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: Conneaut SD
• NCES district ID: 4206590
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 57% ▼ -7.00%
• Median HH income: $43,946
• Composite: 40.06/100
• National rank: #3813
• State rank: #241 of 539 in PA

Livability — Pymatuning Central

• Score: 64/100
• State rank: #1181
• US rank: #13811

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): 4,328

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · German/W. Germanic 3% Spanish 1%

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.48%
• Current HPI: 276.8388
• 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

+0.0% since first listed

2 events — show timeline

• 2026-05-20 Listed $174,900 AVBREALTORS
• 2026-05-20 Listed $174,900 GEBOR

Property tax history

+5.0%/yr

Latest (2025): $1,055 · +0.0% YoY. Source: county tax records.