48 Angle Aly · Etna, PA 15223

$142,000

3 bd · 1.0 ba · 1,497 sqft · SingleFamily public records · 23 Days on market

Built 1890 2,487 sqft lot Est $189k · 25% under

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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 +21.9/30.0
• ARV discount +15.0/15.0
• DSCR +7.0/10.0
• 1% rule +5.6/10.0
• Schools +4.1/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Lovely, lovingly cared for and nicely updated home in Etna Borough and award winning Shaler School District convenient to Rt 8 & Rt 28. The charming front lawn welcomes you as you enter this home that features newer carpet, updated kitchen with new back-splash. Entertain in the dining-room that is open to the kitchen featuring new gas stove and built-in microwave Upstairs you will find 3 nice sized bedrooms, the "captive" bedroom could be a huge walk-in closet, office space, or kids bedroom, your choice. The clean spacious laundry area in the basement leads to a 2 separate storage areas for all of your needs. Owner will even leave a lawn-mower for mowing the fenced-in back yard ready for a swing set or fire-pit. Don't miss this lovely home ready a new family to love it. Why rent when you can own a great family home in such a convenient location. Come by today before it's gone.

Key facts

• Covered front porch
• Hillside views
• Updated flooring

Tags

• COVERED FRONT PORCH
• UPDATED FLOORING
• MODERN BACKSPLASH DETAILS
• PARTIALLY FINISHED BASEMENT
• FENCED REAR YARD
• HILLSIDE VIEWS

Property features AI

Finance

• HOA & community: Public transportation nearby

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: 2-story frame home with vinyl siding; Asphalt roof; Resale property
• Construction: Frame construction; Vinyl siding; Asphalt roof
• Exterior features: Lot dimensions approximately 32x80x30x81

Interior

• Kitchen: Stove; Refrigerator; Microwave; Dishwasher; Some gas appliances
• Bedrooms: Bedroom (upper) 15x12; Bedroom (upper) 12x7
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas hot water heating; Wall/window air conditioning units
• Interior features: Screened windows; Window treatments; Partially finished basement with walk-out access; 9 total rooms
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $142k.

Deal economics

• At list price, monthly cash flow is $169 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $142k).
• Recommended offer: $140k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 4.5% in Etna — 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 81/100 on livability (#172 in PA, #1,441 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, cost of living A+; Watch: employment C-, amenities D, schools D-.
• Shaler Area SD (suburban): math 36% / reading 59% proficiency, ranked #208 of 539 in PA (top 39%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 23 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $982 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($140k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 7y 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 $119k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $139,870 (1.5% below list)

Questions for the listing agent

1. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.06% ✓
• Cap rate: 8.19%
• Cash-on-cash: 6.78%
• DSCR: 1.30
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $188,622
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
141 Grant Ave	0.24mi	3/1.0	1,390 (-7%)	12mo	$37,500	$27	67
7 Spring Street Ext	0.35mi	3/2.0	1,384 (-8%)	10mo	$175,000	$126	59
106 Grant Ave	0.15mi	4/1.5 (+1)	1,661 (+11%)	13mo	$150,000	$90	57
20 Fischer Ave	0.32mi	3/1.5	1,644 (+10%)	14mo	$269,900	$164	55
117 Grant Ave	0.19mi	4/2.0 (+1)	1,680 (+12%)	10mo	$55,000	$33	54
24 High St	0.54mi	3/1.0	1,296 (-13%)	0mo	$155,000	$120	52
19 Prospect St	0.70mi	3/1.0	1,440 (-4%)	15mo	$50,000	$35	49
36 Hickory St	0.46mi	4/3.0 (+1)	1,400 (-6%)	7mo	$200,000	$143	49
4 Emma Dr	0.55mi	2/2.0 (-1)	1,318 (-12%)	2mo	$271,500	$206	44
24 Christler St	0.67mi	3/1.0	1,275 (-15%)	10mo	$167,000	$131	35
59 Sycamore	0.74mi	2/1.0 (-1)	1,296 (-13%)	5mo	$125,000	$96	34
112 Fenway Rd	0.63mi	3/2.0	1,711 (+14%)	12mo	$279,900	$164	32

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: -8.3%
• Equity multiple: 0.69×
• Total profit: $-12,182
• Equity at exit: $21,173

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $3,469
• Equity at exit: $12,278

Cash invested: $39,760 (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 15223

• Home prices YoY: -28.0%
• Active inventory: 23
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,510 high
• Mortgage (P&I): −$745
• Tax from tax record: −$164 /mo · $1,970/yr
• Insurance: −$59
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$317
• Net cashflow: $169

Break-even live

Break-even rent $1,296

Max offer price $142,000

Occupancy floor 84%

Sensitivity live

Price	-10% $250	-5% $209	+0% $169	+5% $129	+10% $89
Rent	-10% $50	-5% $110	+0% $169	+5% $229	+10% $289
Rate	-1.0pp $241	-0.5pp $205	base $169	+0.5pp $132	+1.0pp $95

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: $35,500
• Closing costs: $4,260
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
621 Butler St Unit BS Pittsburgh, PA	2.0	1.0	1000	$995	$0.99	44d	1	0.16mi
20 Beyrleye Ave Pittsburgh, PA	3.0	2.0	1100	$1,350	$1.23	24d	1	0.35mi
14 Bethany Dr Unit A Pittsburgh, PA	2.0	1.5	1032	$1,650	$1.60	44d	1	0.53mi
553 Foundry St Pittsburgh, PA	2.0	2.0	1025	$1,650	$1.61	22d	1	0.56mi
39 Prospect St Pittsburgh, PA	2.0	1.0	1056	$1,200	$1.14	8d	1	0.61mi
629 Glen Malcolm Dr Glenshaw, PA	1.0–2.0	1.0	815	$1,350	$1.66	24d	1	0.85mi
404 Reetz St Pittsburgh, PA	4.0	1.0	1500	$2,050	$1.37	17d	1	0.91mi
209 Mary St Sharpsburg, PA	3.0	1.0	1100	$1,395	$1.27	24d	1	1.33mi
207 Mary St Sharpsburg, PA	3.0	1.0	1100	$1,395	$1.27	24d	1	1.33mi
160 56th St Pittsburgh, PA	3.0	3.0	1737	$3,900	$2.25	20d	1	1.41mi
212 Hugel Dr Unit 1 Pittsburgh, PA	2.0	1.0	1200	$1,450	$1.21	24d	1	1.44mi

Listing history 14 events

1. 2026-06-21
   days on market $142,000 Active 23 DOM
2. 2026-06-18
   days on market $142,000 Active 20 DOM
3. 2026-06-17
   days on market $142,000 Active 19 DOM
4. 2026-06-16
   days on market $142,000 Active 18 DOM
5. 2026-06-15
   days on market $142,000 Active 17 DOM
6. 2026-06-13
   days on market $142,000 Active 15 DOM
7. 2026-06-13
   pricedays on market $142,000 Active 14 DOM
8. 2026-06-09
   days on market $147,000 Active 11 DOM
9. 2026-06-08
   days on market $147,000 Active 10 DOM
10. 2026-06-07
    days on market $147,000 Active 9 DOM
11. 2026-06-03
    days on market $147,000 Active 5 DOM
12. 2026-06-02
    days on market $147,000 Active 4 DOM
13. 2026-06-01
    days on market $147,000 Active 3 DOM
14. 2026-05-31
    days on market $147,000 Active 2 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: $1,970 · $164/mo
• Projected year-2 tax: $2,107 · $176/mo
• Expected delta: +$137/yr (+$11/mo · 7.0%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,118
• − Mortgage interest: −$7,954
• − Property taxes: −$1,970
• − Insurance: −$1,376
• − Repairs & maintenance: −$1,449
• − Management: −$1,449
• − Depreciation: −$4,131
• Taxable loss: −$212
• Est. tax savings @ 24.0%: +$51
• After-tax cash flow: $2,082/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: Shaler Area SD
• NCES district ID: 4221200
• Math proficiency: 36% ▼ -16.00%
• Reading proficiency: 59% ▼ -15.00%
• Median HH income: $57,411
• Composite: 41.33/100
• National rank: #3506
• State rank: #208 of 539 in PA

Livability — Etna

• Score: 81/100
• State rank: #172
• US rank: #1441

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Etna, PA
• County: Allegheny County · 1,022,028 people
• City population: 6,255
• Metro: Pittsburgh, PA
• Population (ZIP): 6,255
• Household income: $61,083
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 266.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 7% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 15% Lithuanian 4% Italian 4%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Russian/Polish/Slavic 2% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -98.96%
• Current HPI: 254.2648
• Rent YoY: —
• Metro: Pittsburgh, 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

+352.3% since first listed

7 events — show timeline

• 2026-05-29 Listed $147,000 West Penn MLS
• 2019-06-24 Sold (Public Records) $118,900 Public Records
• 2019-06-10 Sold (MLS) $118,900 West Penn MLS
• 2019-05-30 Pending — West Penn MLS
• 2019-04-29 Contingent — West Penn MLS
• 2019-04-17 Listed $120,900 West Penn MLS
• 1990-05-16 Sold (Public Records) $32,500 Public Records

Property tax history

+5.2%/yr

Latest (2026): $1,970 · +0.0% YoY. Source: county tax records.