304 Jefferson St · Brookville, PA 15825

$177,000

4 bd · 1.0 ba · 1,283 sqft · SingleFamily public records · 13 Days on market

Built 1891 8,698 sqft lot $138/sqft · 96% above area Est $187k · 5% under

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Why this score? — see what drove the D 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).

• ARV discount +9.8/15.0
• Cash flow +9.7/30.0
• Appreciation +5.6/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0

Listing remarks MLS

Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

Key facts

• Private residence
• Detailed woodwork
• Wrap-around porch

Tags

• WRAP-AROUND PORCH
• DETAILED WOODWORK
• PRIVATE RESIDENCE

Property features AI

Exterior

• Home design: 2-story home
• Construction: Frame construction
• Exterior features: Lot dimensions approximately 58' x 150'

Interior

• Kitchen: Dishwasher; Refrigerator
• Bathrooms: 1 full bathroom
• Interior features: Resale condition

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $177k.

Deal economics

• At list price, monthly cash flow is $-117 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $156k (11.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $131k (26.0% below list).
• Recommended offer: $131k (26.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#757 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: health & safety D+, amenities F, commute F.
• Brookville Area SD (town): math 36% / reading 49% proficiency, ranked #326 of 539 in PA (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 41 units permitted in Jefferson County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($1k loan paydown + $2k appreciation (1.2% local appreciation)).
• Jefferson County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 9, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 5y 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 $136k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1891 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,968 (26.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1891 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.74% ✗
• Cap rate: 5.50%
• Cash-on-cash: -2.84%
• DSCR: 0.87
• GRM: 11.3

CMA / ARV

• ARV (median comp): $186,704
• List price: $177,000
• Delta: -5.20%
• Verdict: FAIR
• Comps: 4 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
150 Western Ave	0.72mi	3/1.0 (-1)	1,100 (-14%)	22mo	$140,000	$127	19

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

Projected returns pro-forma

1.25% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.8%
• Equity multiple: 0.96×
• Total profit: $-2,021
• Equity at exit: $62,733

10-year hold

• IRR: 3.9%
• Equity multiple: 1.49×
• Total profit: $24,454
• Equity at exit: $85,182

Cash invested: $49,560 (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 15825

• Home prices YoY: 0.8%
• Active inventory: 15
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,310 medium
• Mortgage (P&I): −$928
• Tax from tax record: −$150 /mo · $1,801/yr
• Insurance: −$74
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $-117

Break-even live

Break-even rent $1,458

Max offer price $156,263

Occupancy floor —

Sensitivity live

Price	-10% $-17	-5% $-67	+0% $-117	+5% $-167	+10% $-218
Rent	-10% $-221	-5% $-169	+0% $-117	+5% $-66	+10% $-14
Rate	-1.0pp $-28	-0.5pp $-72	base $-117	+0.5pp $-163	+1.0pp $-210

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: $44,250
• Closing costs: $5,310
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-21
   days on market $177,000 Active 13 DOM
2. 2026-06-21
   days on market $177,000 Active 12 DOM
3. 2026-06-18
   days on market $177,000 Active 10 DOM
4. 2026-06-17
   days on market $177,000 Active 9 DOM
5. 2026-06-16
   days on market $177,000 Active 8 DOM
6. 2026-06-15
   days on market $177,000 Active 7 DOM
7. 2026-06-13
   days on market $177,000 Active 5 DOM
8. 2026-06-12
   pricedays on market $177,000 Active 4 DOM
9. 2026-06-09
   pricedays on marketlisting id $179,000 Active 1 DOM
10. 2026-06-08
    days on market $177,000 Active 222 DOM

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

11. 2026-06-08
    days on market $177,000 Active 221 DOM

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

12. 2026-06-07
    days on market $177,000 Active 220 DOM
13. 2026-06-04
    days on market $177,000 Active 217 DOM
14. 2026-06-02
    days on market $177,000 Active 216 DOM
15. 2026-06-01
    days on market $177,000 Active 215 DOM
16. 2026-05-31
    days on market $177,000 Active 214 DOM
17. 2026-03-27
    price $177,000 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

18. 2026-03-20
    price $178,000 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

19. 2026-02-23
    status Active 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

20. 2026-02-23
    price $179,000 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

21. 2025-08-04
    price $194,000 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

22. 2025-06-13
    listed $199,000 Active 874-char remark

    Show marketing remark (874 chars)

    Beautifully maintained 1894 Victorian home nestled within walking distance of Historic Brookville, Pennsylvania. This elegant 8-room residence offers timeless charm and modern comfort, making it a perfect choice for those seeking a unique home with character. From the inviting wrap-around porch to the detailed woodwork and classic architectural flourishes, every inch of this home speaks to a bygone era of craftsmanship. Inside, you'll find four spacious bedrooms and one full bath, all thoughtfully arranged to create a warm and welcoming living environment. This property is currently used as a successful Bed & Breakfast, but it also presents a wonderful opportunity for a private residence, short-term rental, or even a boutique business. Whether you’re looking for a place to call home or an income-producing property, the possibilities here are endless.

23. 2022-03-07
    soldstatus $135,500 941-char remark

    Show marketing remark (941 chars)

    Welcome to Jefferson Street! This beautiful historic home is waiting for you. You will be greeted by the large wrap around porch, the perfect spot for a swing. The front entryway is stunning with the grand staircase leading to 4 very spacious bedrooms and large full bath. First floor is a great space for entertaining with the open floor plan of the dining room, parlor & living room. Also, take notice the beautiful original hardwoods throughout. This kitchen is the perfect space for cooking or baking, with tons of natural light and high ceilings this will be a great place for the holidays! From the kitchen, you can go upstairs using the butler staircase or sneak outside to the covered back porch and quaint patio area. Enjoy the privacy of the backyard and make the perfect outdoor oasis. This house is also seconds from downtown, close to shopping & dining! Don't miss the opportunity to make this unique property yours!

24. 2022-03-07
    soldstatus $135,500

    Show marketing remark (941 chars)

    Welcome to Jefferson Street! This beautiful historic home is waiting for you. You will be greeted by the large wrap around porch, the perfect spot for a swing. The front entryway is stunning with the grand staircase leading to 4 very spacious bedrooms and large full bath. First floor is a great space for entertaining with the open floor plan of the dining room, parlor & living room. Also, take notice the beautiful original hardwoods throughout. This kitchen is the perfect space for cooking or baking, with tons of natural light and high ceilings this will be a great place for the holidays! From the kitchen, you can go upstairs using the butler staircase or sneak outside to the covered back porch and quaint patio area. Enjoy the privacy of the backyard and make the perfect outdoor oasis. This house is also seconds from downtown, close to shopping & dining! Don't miss the opportunity to make this unique property yours!

25. 2021-09-12
    listed $149,000 941-char remark

    Show marketing remark (941 chars)

    Welcome to Jefferson Street! This beautiful historic home is waiting for you. You will be greeted by the large wrap around porch, the perfect spot for a swing. The front entryway is stunning with the grand staircase leading to 4 very spacious bedrooms and large full bath. First floor is a great space for entertaining with the open floor plan of the dining room, parlor & living room. Also, take notice the beautiful original hardwoods throughout. This kitchen is the perfect space for cooking or baking, with tons of natural light and high ceilings this will be a great place for the holidays! From the kitchen, you can go upstairs using the butler staircase or sneak outside to the covered back porch and quaint patio area. Enjoy the privacy of the backyard and make the perfect outdoor oasis. This house is also seconds from downtown, close to shopping & dining! Don't miss the opportunity to make this unique property yours!

26. 1999-06-03
    soldstatus $114,900

ⓘ 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: $1,801 · $150/mo
• Projected year-2 tax: $2,299 · $192/mo
• Expected delta: +$498/yr (+$41/mo · 27.6%)

ⓘ 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 3/10 Moderate 7 d/yr ≥92°F today · 19 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: $15,716
• − Mortgage interest: −$9,915
• − Property taxes: −$1,801
• − Insurance: −$885
• − Repairs & maintenance: −$1,257
• − Management: −$1,257
• − Depreciation: −$5,149
• Taxable loss: −$4,548
• Est. tax savings @ 24.0%: +$1,092
• After-tax cash flow: $-317/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: Brookville Area SD
• NCES district ID: 4204320
• Math proficiency: 36% ▼ -10.00%
• Reading proficiency: 49% ▼ -14.00%
• Median HH income: $43,071
• Composite: 35.86/100
• National rank: #4818
• State rank: #326 of 539 in PA

Livability — Brookville

• Score: 70/100
• State rank: #757
• US rank: #7556

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brookville, PA
• Population (ZIP): 9,407

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 42,134 people
• By 2030: 40,512 · -3.8%
• By 2040: 36,747 · -12.8%
• By 2050: 32,755 · -22.3%
• By 2075: 24,402 · -42.1%
• By 2100: 16,398 · -61.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 3% Serbian 3% Iranian 2%
• Foreign-born: 1% · China
• Languages at home: 97% English-only · German/W. Germanic 1% Chinese 1%

Political lean MEDSL · Jefferson

• 2024 margin: Solid R (+58.5) · D 20.4% · R 78.8%
• 2008→2024 swing: -28.7pp toward R · 2008: -29.8pp · 2024: -58.5pp
• All cycles: 2024: R+58.5 2020: R+58.9 2016: R+59.8 2012: R+45.4 2008: R+29.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.25%
• Current HPI: 162.7597
• 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

+54.0% since first listed

13 events — show timeline

• 2026-06-11 Price Changed $177,000 West Penn MLS
• 2026-06-08 Delisted — West Penn MLS
• 2026-06-08 Listed $179,000 West Penn MLS
• 2026-03-27 Price Changed $177,000 West Penn MLS
• 2026-03-20 Price Changed $178,000 West Penn MLS
• 2026-02-23 Relisted — West Penn MLS
• 2026-02-23 Price Changed $179,000 West Penn MLS
• 2025-08-04 Price Changed $194,000 West Penn MLS
• 2025-06-13 Listed $199,000 West Penn MLS
• 2022-03-07 Sold (Public Records) $135,500 Public Records
• 2022-03-07 Sold (MLS) $135,500 West Penn MLS
• 2021-09-12 Listed $149,000 West Penn MLS
• 1999-06-03 Sold (Public Records) $114,900 Public Records

Property tax history

+2.6%/yr

Latest (2026): $1,801 · +2.0% YoY. Source: county tax records.