35 Lincoln Ave · Bradford, PA 16701

$75,000

4 bd · 2.0 ba · 1,848 sqft · Other public records · 9 Days on market

Built 1910 6,970 sqft lot $41/sqft · 25% below area Est $100k · 25% under

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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 +28.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

Key facts

• Outdoor space
• Valuable storage
• 6,970 sq ft lot

Tags

• OUTDOOR SPACE
• PUBLIC TRANSPORTATION
• VALUABLE STORAGE
• FUTURE EXPANSION POTENTIAL
• FLEXIBILITY TO UPDATE

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $75k.

Deal economics

• At list price, monthly cash flow is $242 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Cap rate 10.2% vs local median 4.3% in Bradford — 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 69/100 on livability (#814 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Bradford Area SD (town): math 41% / reading 60% proficiency, ranked #187 of 539 in PA (top 35%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 78 active listings in the ZIP; 29 units permitted in McKean County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• McKean County population projected at -17% 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 $21k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $50k (40%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $52k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price; built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $75,000

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.45% ✓
• Cap rate: 10.17%
• Cash-on-cash: 13.83%
• DSCR: 1.62
• GRM: 5.7

CMA / ARV

• ARV (median comp): $99,538
• List price: $75,000
• Delta: -0.54%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 4.1%
• Equity multiple: 1.16×
• Total profit: $3,341
• Equity at exit: $11,183

10-year hold

• IRR: 13.7%
• Equity multiple: 2.10×
• Total profit: $23,075
• Equity at exit: $6,485

Cash invested: $21,000 (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 16701

• Home prices YoY: -17.9%
• Active inventory: 78
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,087 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$192 /mo · $2,307/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$228
• Net cashflow: $242

Break-even live

Break-even rent $781

Max offer price $75,000

Occupancy floor 73%

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-13
   statusdays on market $75,000 Pending 9 DOM
2. 2026-06-12
   days on market $75,000 Active 8 DOM
3. 2026-06-09
   days on market $75,000 Active 5 DOM
4. 2026-06-08
   days on market $75,000 Active 4 DOM
5. 2026-06-08
   days on market $75,000 Active 3 DOM
6. 2026-06-07
   pricedays on marketlisting id $75,000 Active 2 DOM
7. 2026-04-08
   price $99,000 1140-char remark

   Show marketing remark (1140 chars)

   Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

8. 2026-03-20
   price $109,900 1140-char remark

   Show marketing remark (1140 chars)

   Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

9. 2026-01-28
   price $114,900 1140-char remark

   Show marketing remark (1140 chars)

   Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

10. 2025-11-06
    price $119,900 1140-char remark

    Show marketing remark (1140 chars)

    Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

11. 2025-10-16
    listed $124,900 Active 1140-char remark

    Show marketing remark (1140 chars)

    Charming 4-Bedroom Home on Expansive Corner Lot Discover this spacious 4-bedroom, 1-bathroom residence nestled on a generous 0.64-acre corner lot, ideally located near local shops and amenities for everyday convenience. Step inside to find original hardwood floors throughout the main level, adding warmth and character. The inviting eat-in kitchen includes main floor laundry for added ease, while the formal dining room features elegant beveled glass pocket doors that open into a grand foyer with a stunning original hardwood staircase. A large living room and full bathroom complete the main floor, offering both comfort and functionality. Upstairs, you'll find four generously sized bedrooms, all with beautiful hardwood flooring. There's also potential to add a second full bathroom, enhancing the home's versatility. A second staircase adds charm and convenience to the layout. Enjoy the enclosed front porch—perfect for extra storage or relaxing year-round. This home blends timeless architectural details with modern possibilities, making it an ideal choice for families or buyers seeking space, charm, and a prime location.

12. 2023-08-21
    soldstatus $52,000 Closed Sale or Rented 275-char remark

    Show marketing remark (275 chars)

    "Home Happens Here" This property is perfect for the growing family! Spacious eat-in kitchen, formal dining, family room, grand foyer and full bath complete the main level. The second level boast 4 large bedrooms and a second full bath. Hardwood floors throughout.

13. 2023-08-21
    soldstatus $52,000

    Show marketing remark (275 chars)

    "Home Happens Here" This property is perfect for the growing family! Spacious eat-in kitchen, formal dining, family room, grand foyer and full bath complete the main level. The second level boast 4 large bedrooms and a second full bath. Hardwood floors throughout.

14. 2023-07-28
    status Pending Sale 275-char remark

    Show marketing remark (275 chars)

    "Home Happens Here" This property is perfect for the growing family! Spacious eat-in kitchen, formal dining, family room, grand foyer and full bath complete the main level. The second level boast 4 large bedrooms and a second full bath. Hardwood floors throughout.

15. 2023-07-12
    listed $62,000 Active 275-char remark

    Show marketing remark (275 chars)

    "Home Happens Here" This property is perfect for the growing family! Spacious eat-in kitchen, formal dining, family room, grand foyer and full bath complete the main level. The second level boast 4 large bedrooms and a second full bath. Hardwood floors throughout.

ⓘ 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: $2,307 · $192/mo
• Projected year-2 tax: $2,307 · $192/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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,046
• − Mortgage interest: −$4,201
• − Property taxes: −$2,307
• − Insurance: −$375
• − Repairs & maintenance: −$1,044
• − Management: −$1,044
• − Depreciation: −$2,182
• Taxable income: $1,894
• Est. tax owed @ 24.0%: −$455
• After-tax cash flow: $2,450/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: Bradford Area SD
• NCES district ID: 4204020
• Math proficiency: 41% ▼ -5.00%
• Reading proficiency: 60% ▼ -4.00%
• Median HH income: $41,477
• Composite: 42.31/100
• National rank: #3261
• State rank: #187 of 539 in PA

Livability — Bradford

• Score: 69/100
• State rank: #814
• US rank: #8325

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradford, PA
• Population (ZIP): 16,584

Population outlook (McKean County) Hauer SSP2

• Today (2025): 40,518 people
• By 2030: 39,290 · -3.0%
• By 2040: 36,438 · -10.1%
• By 2050: 33,556 · -17.2%
• By 2075: 27,682 · -31.7%
• By 2100: 21,726 · -46.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 2% Black 1%
• Common ancestry: Romanian 4% Slovak 2% Iranian 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · McKean

• 2024 margin: Solid R (+47.2) · D 26.0% · R 73.2%
• 2008→2024 swing: -29.9pp toward R · 2008: -17.3pp · 2024: -47.2pp
• All cycles: 2024: R+47.2 2020: R+46.2 2016: R+47.2 2012: R+28.2 2008: R+17.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.54%
• Current HPI: 149.3686
• 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

+59.7% since first listed

9 events — show timeline

• 2026-04-08 Price Changed $99,000 UNYREIS
• 2026-03-20 Price Changed $109,900 UNYREIS
• 2026-01-28 Price Changed $114,900 UNYREIS
• 2025-11-06 Price Changed $119,900 UNYREIS
• 2025-10-16 Listed $124,900 UNYREIS
• 2023-08-21 Sold (Public Records) $52,000 Public Records
• 2023-08-21 Sold (MLS) $52,000 UNYREIS
• 2023-07-28 Pending — UNYREIS
• 2023-07-12 Listed $62,000 UNYREIS

Property tax history

+1.4%/yr

Latest (2025): $2,307 · +3.3% YoY. Source: county tax records.