11446 Ellsworth St · Allenport, PA 17066

$65,000

1 bd · 1.0 ba · 565 sqft · SingleFamily public records · 10 Days on market

Built 1930 7,840 sqft lot

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Why this score? — see what drove the B 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 +28.9/30.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks

This versatile 1–2 BR layout features an open living/kitchen area, a spacious walk-in closet, and a functional mudroom/office. Note: The flexible second bedroom functions as a walk-through room, making it an ideal den or dressing area! Enjoy the covered front porch, rear deck, off-street parking, and a handy storage shed. Newer roof!

Key facts

• Covered front porch
• Rear deck
• Off-street parking

Tags

• OPEN LIVING KITCHEN AREA
• SPACIOUS WALK-IN CLOSET
• FUNCTIONAL MUDROOM OFFICE
• COVERED FRONT PORCH
• REAR DECK
• OFF-STREET PARKING

Property features AI

Exterior

• Parking: Open parking; Gravel driveway; Off-street parking
• Utilities: Public water; Public sewer; 200+ amp electric service
• Home design: Single family residence; Residential property
• Construction: Shake siding; Vinyl siding; Metal roof
• Exterior features: Covered deck; Shed(s); Rolling slope lot; Paved road access

Interior

• Kitchen: Refrigerator
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Oil heating; Heat pump; Ceiling fan(s); Cooling via heat pump
• Interior features: Walk-in closet(s); Eat-in kitchen; Unfinished basement

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $221 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($804 rent vs $65k).

Location & tenants

• Location reads 57/100 on livability (#1,628 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime C-, schools F, amenities F.
• Mount Union Area SD (town): math 19% / reading 35% proficiency, ranked #462 of 539 in PA (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 25 active listings in the ZIP; 70 units permitted in Huntingdon County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($449 loan paydown + $6k appreciation (10.0% local appreciation)).
• Huntingdon County population projected at -14% 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 $18k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$32k 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.
• Current owner paid $35k; list at $65k implies a 86% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $65,000

Questions for the listing agent

1. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.24% ✓
• Cap rate: 10.38%
• Cash-on-cash: 14.60%
• DSCR: 1.65
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 35.0%
• Equity multiple: 3.72×
• Total profit: $49,494
• Equity at exit: $58,557

10-year hold

• IRR: 30.2%
• Equity multiple: 8.40×
• Total profit: $134,642
• Equity at exit: $126,281

Cash invested: $18,200 (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 17066

• Home prices YoY: 6.3%
• Active inventory: 25
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $804 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$46 /mo · $550/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$169
• Net cashflow: $221

Break-even live

Break-even rent $524

Max offer price $65,000

Occupancy floor 67%

Sensitivity live

Price	-10% $258	-5% $240	+0% $221	+5% $203	+10% $185
Rent	-10% $158	-5% $190	+0% $221	+5% $253	+10% $285
Rate	-1.0pp $254	-0.5pp $238	base $221	+0.5pp $205	+1.0pp $187

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-13
   status $65,000 Pending 10 DOM
2. 2026-06-12
   days on market $65,000 Active 10 DOM
3. 2026-06-09
   days on market $65,000 Active 7 DOM
4. 2026-06-08
   days on market $65,000 Active 6 DOM
5. 2026-06-08
   days on market $65,000 Active 5 DOM
6. 2026-06-07
   days on market $65,000 Active 4 DOM
7. 2026-06-02
   remarks 335-char remark
8. 2026-06-02
   listed $65,000 Active 1 DOM

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

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $550 · $46/mo
• Projected year-2 tax: $789 · $66/mo
• Expected delta: +$238/yr (+$20/mo · 43.4%)

ⓘ 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 4/10 Moderate 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,649
• − Mortgage interest: −$3,641
• − Property taxes: −$550
• − Insurance: −$325
• − Repairs & maintenance: −$772
• − Management: −$772
• − Depreciation: −$1,891
• Taxable income: $1,698
• Est. tax owed @ 24.0%: −$408
• After-tax cash flow: $2,250/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: Mount Union Area SD
• NCES district ID: 4216020
• Math proficiency: 19% ▼ -7.00%
• Reading proficiency: 35% ▼ -10.00%
• Median HH income: $38,561
• Composite: 22.56/100
• National rank: #8080
• State rank: #462 of 539 in PA

Livability — Allenport

• Score: 57/100
• State rank: #1628
• US rank: #22331

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Allenport, PA
• City population: 179
• Population (ZIP): 5,131

Population outlook (Huntingdon County) Hauer SSP2

• Today (2025): 44,212 people
• By 2030: 43,057 · -2.6%
• By 2040: 40,537 · -8.3%
• By 2050: 37,844 · -14.4%
• By 2075: 31,411 · -29.0%
• By 2100: 23,907 · -45.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Black 5% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Romanian 1% Lithuanian 1% Iranian 1%
• Foreign-born: 0% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Huntingdon

• 2024 margin: Solid R (+52.9) · D 23.2% · R 76.1%
• 2008→2024 swing: -25.4pp toward R · 2008: -27.5pp · 2024: -52.9pp
• All cycles: 2024: R+52.9 2020: R+51.0 2016: R+50.7 2012: R+37.4 2008: R+27.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 10.34%
• Current HPI: 173.1528
• 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

+85.7% since first listed

2 events — show timeline

• 2026-06-02 Listed $65,000 HCBR
• 2010-12-30 Sold (Public Records) $35,000 Public Records

Property tax history

+1.7%/yr

Latest (2026): $550 · +1.5% YoY. Source: county tax records.