130 Hagen St · Johnstown, PA 15906

$58,900

3 bd · 1.5 ba · 1,316 sqft · SingleFamily · 77 Days on market

4,356 sqft lot $45/sqft · 6% above area Est $55k · 6% over ↓ 6% since listing

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• ARV discount +4.7/15.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0

Listing remarks MLS

Welcome to 130 Hagen Street! Enjoy the warm weather and blossoms from your front porch with great views of the surrounding hills or meander around the nice, manageable size yard w/ gardens. This well kept home features pretty woodwork throughout, spacious rooms and a walk up attic that could suit many different uses. There are 3 bedrooms on the second floor and the full bath. The main floor has a bonus room off the front porch that could be an extra bedroom, den, office or whatever you desire! The unfinished basement has a half bath, washer and dryer, furnace, 2015 hot water heater and workshop area. Roof was put on in 2010. Painting and recent electrical updates/maintenance have been completed and the furnace was just cleaned. Tour this today!

Key facts

• Walk up attic
• Manageable size yard
• Front porch

Tags

• FRONT PORCH
• GREAT VIEWS
• MANAGEABLE SIZE YARD
• WALK UP ATTIC
• BONUS ROOM
• UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $59k.

Deal economics

• At list price, monthly cash flow is $251 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($844 rent vs $59k).
• Recommended offer: $55k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.4% vs local median 15.0% in Johnstown — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 47 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $407 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $16k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($55k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $55,366 (6.0% below list)

Questions for the listing agent

1. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. 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.
7. 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.
8. 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: 1.43% ✓
• Cap rate: 11.41%
• Cash-on-cash: 18.27%
• DSCR: 1.81
• GRM: 5.8

CMA / ARV

• ARV (median comp): $55,433
• List price: $58,900
• Delta: 6.25%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
77 Boyer St	0.03mi	3/2.0	1,236 (-6%)	6mo	$39,500	$32	82
318 Vaughn St	0.33mi	3/1.0	1,374 (+4%)	2mo	$23,000	$17	74
419 Beatrice Ave	0.47mi	3/2.0	1,392 (+6%)	4mo	$65,900	$47	63
426 Decker Ave	0.69mi	3/1.0	1,318 (+0%)	8mo	$65,720	$50	59
344 Decker Ave	0.60mi	3/1.0	1,379 (+5%)	10mo	$22,000	$16	53
355 Corinne St	0.60mi	2/1.0 (-1)	1,254 (-5%)	6mo	$52,500	$42	52
201 Blaine St	0.63mi	3/1.0	1,434 (+9%)	4mo	$52,000	$36	50
440 Boyer St	0.47mi	2/1.0 (-1)	1,152 (-12%)	5mo	$40,000	$35	46
166 Stone St	0.58mi	2/1.0 (-1)	1,181 (-10%)	6mo	$42,000	$36	44
124 Bheam Ave	0.60mi	3/1.5	1,506 (+14%)	8mo	$42,000	$28	41
1315 Maryland Ave	0.68mi	3/1.5	1,464 (+11%)	11mo	$52,500	$36	40
519 Benshoff Hill Rd Rd	0.69mi	4/1.5 (+1)	1,502 (+14%)	4mo	$80,000	$53	36

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: 9.9%
• Equity multiple: 1.39×
• Total profit: $6,468
• Equity at exit: $8,782

10-year hold

• IRR: 19.1%
• Equity multiple: 2.59×
• Total profit: $26,300
• Equity at exit: $5,093

Cash invested: $16,492 (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 15906

• Home prices YoY: -4.0%
• Active inventory: 47
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $844 medium
• Mortgage (P&I): −$309
• Tax from tax record: −$82 /mo · $982/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$177
• Net cashflow: $251

Break-even live

Break-even rent $526

Max offer price $58,900

Occupancy floor 65%

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: $14,725
• Closing costs: $1,767
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
444 Stone St Unit 444 Johnstown, PA	2.0	1.0	950	$700	$0.74	23d	1	0.42mi
459 Stone St Johnstown, PA	3.0	1.0	1120	$900	$0.80	23d	1	0.43mi
444 Stone St Johnstown, PA	2.0	1.0	908	$700	$0.77	43d	1	0.44mi
213 Stone St Johnstown, PA	2.0	1.0	989	$1,100	$1.11	23d	1	0.53mi

Listing history 19 events

1. 2026-06-19
   days on market $58,900 Active 77 DOM
2. 2026-06-18
   days on market $58,900 Active 76 DOM
3. 2026-06-17
   days on market $58,900 Active 75 DOM
4. 2026-06-16
   days on market $58,900 Active 74 DOM
5. 2026-06-15
   days on market $58,900 Active 73 DOM
6. 2026-06-14
   days on market $58,900 Active 71 DOM
7. 2026-06-12
   days on market $58,900 Active 70 DOM
8. 2026-06-09
   days on market $58,900 Active 67 DOM
9. 2026-06-08
   days on market $58,900 Active 66 DOM
10. 2026-06-07
    days on market $58,900 Active 65 DOM
11. 2026-06-05
    days on market $58,900 Active 62 DOM
12. 2026-06-02
    days on market $58,900 Active 60 DOM
13. 2026-06-01
    days on market $58,900 Active 59 DOM
14. 2026-05-31
    days on market $58,900 Active 58 DOM
15. 2026-05-30
    days on market $58,900 Active 57 DOM
16. 2026-04-22
    price $59,999 754-char remark

    Show marketing remark (754 chars)

    Welcome to 130 Hagen Street! Enjoy the warm weather and blossoms from your front porch with great views of the surrounding hills or meander around the nice, manageable size yard w/ gardens. This well kept home features pretty woodwork throughout, spacious rooms and a walk up attic that could suit many different uses. There are 3 bedrooms on the second floor and the full bath. The main floor has a bonus room off the front porch that could be an extra bedroom, den, office or whatever you desire! The unfinished basement has a half bath, washer and dryer, furnace, 2015 hot water heater and workshop area. Roof was put on in 2010. Painting and recent electrical updates/maintenance have been completed and the furnace was just cleaned. Tour this today!

17. 2026-04-16
    status Active 754-char remark

    Show marketing remark (754 chars)

    Welcome to 130 Hagen Street! Enjoy the warm weather and blossoms from your front porch with great views of the surrounding hills or meander around the nice, manageable size yard w/ gardens. This well kept home features pretty woodwork throughout, spacious rooms and a walk up attic that could suit many different uses. There are 3 bedrooms on the second floor and the full bath. The main floor has a bonus room off the front porch that could be an extra bedroom, den, office or whatever you desire! The unfinished basement has a half bath, washer and dryer, furnace, 2015 hot water heater and workshop area. Roof was put on in 2010. Painting and recent electrical updates/maintenance have been completed and the furnace was just cleaned. Tour this today!

18. 2026-04-10
    historical Active Under Contract 754-char remark

    Show marketing remark (754 chars)

    Welcome to 130 Hagen Street! Enjoy the warm weather and blossoms from your front porch with great views of the surrounding hills or meander around the nice, manageable size yard w/ gardens. This well kept home features pretty woodwork throughout, spacious rooms and a walk up attic that could suit many different uses. There are 3 bedrooms on the second floor and the full bath. The main floor has a bonus room off the front porch that could be an extra bedroom, den, office or whatever you desire! The unfinished basement has a half bath, washer and dryer, furnace, 2015 hot water heater and workshop area. Roof was put on in 2010. Painting and recent electrical updates/maintenance have been completed and the furnace was just cleaned. Tour this today!

19. 2026-04-02
    listed $63,500 Active 754-char remark

    Show marketing remark (754 chars)

    Welcome to 130 Hagen Street! Enjoy the warm weather and blossoms from your front porch with great views of the surrounding hills or meander around the nice, manageable size yard w/ gardens. This well kept home features pretty woodwork throughout, spacious rooms and a walk up attic that could suit many different uses. There are 3 bedrooms on the second floor and the full bath. The main floor has a bonus room off the front porch that could be an extra bedroom, den, office or whatever you desire! The unfinished basement has a half bath, washer and dryer, furnace, 2015 hot water heater and workshop area. Roof was put on in 2010. Painting and recent electrical updates/maintenance have been completed and the furnace was just cleaned. Tour this today!

ⓘ 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: $982 · $82/mo
• Projected year-2 tax: $982 · $82/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate 7 d/yr ≥96°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,122
• − Mortgage interest: −$3,299
• − Property taxes: −$982
• − Insurance: −$294
• − Repairs & maintenance: −$810
• − Management: −$810
• − Depreciation: −$1,713
• Taxable income: $2,213
• Est. tax owed @ 24.0%: −$531
• After-tax cash flow: $2,482/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Johnstown, PA
• City population: 30,791
• Population (ZIP): 9,654

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 11% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Romanian 8% Polish 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.26%
• Current HPI: 77.6797
• 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

-5.5% since first listed

4 events — show timeline

• 2026-04-22 Price Changed $59,999 CSMLS
• 2026-04-16 Relisted — CSMLS
• 2026-04-10 Contingent — CSMLS
• 2026-04-02 Listed $63,500 CSMLS

Property tax history

+0.2%/yr

Latest (2026): $982 · +0.0% YoY. Source: county tax records.