2520 Wildwood Rd · Penns Creek, PA 17844

$119,900

3 bd · 1.0 ba · 1,081 sqft · SingleFamily · 45 Days on market

Built 1950 Fair condition 0.29 ac lot $111/sqft · 50% below area

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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).

• Cash flow +16.8/30.0
• ARV discount +7.5/15.0
• DSCR +5.2/10.0
• 1% rule +4.6/10.0
• Schools +4.4/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

Key facts

• Cabin style property
• 0.29 acre lot
• Built 1950

Tags

• CABIN STYLE PROPERTY
• BOARD AND BATTEN SIDING

Property features AI

Exterior

• Parking: Gravel parking; otherwise no designated parking
• Security: Smoke detector(s)
• Utilities: Private well water
• Home design: Residential property
• Construction: Frame construction with wood siding; Block foundation; Built area above grade: 1,081
• Exterior features: Porch; Shed(s); Cleared lot; Has view

Interior

• Kitchen: Electric oven; Built-in electric oven; Refrigerator
• Bedrooms: Total of 5 rooms (bedroom count not specified)
• Flooring: Wood flooring; Linoleum flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Wood heating; No central cooling
• Interior features: Electric oven and built-in electric oven; Refrigerator; Wood burning stove fireplace; Smoke detector(s); Has view
• Laundry & utility: No specific laundry appliances listed

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $76 ($916/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $115k (4.5% below list).
• Recommended offer: $115k (4.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#1,518 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime C-, health & safety D, schools D-.
• Mifflinburg Area SD (town): math 41% / reading 62% proficiency, ranked #163 of 539 in PA (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 31 active listings in the ZIP; 49 units permitted in Union County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Union County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($116k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 9y 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 $72k; list at $120k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $114,550 (4.5% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.96% ✗
• Cap rate: 7.06%
• Cash-on-cash: 2.73%
• DSCR: 1.12
• GRM: 8.7

CMA / ARV

• ARV (median comp): $241,755
• List price: $119,900
• Delta: -50.40%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -12.0%
• Equity multiple: 0.57×
• Total profit: $-14,549
• Equity at exit: $17,877

10-year hold

• IRR: -2.8%
• Equity multiple: 0.81×
• Total profit: $-6,338
• Equity at exit: $10,367

Cash invested: $33,572 (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 17844

• Home prices YoY: -18.4%
• Active inventory: 31
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,146 medium
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,798/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$241
• Net cashflow: $76

Break-even live

Break-even rent $1,049

Max offer price $119,900

Occupancy floor 88%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-19
   days on market $119,900 Active 45 DOM
2. 2026-06-18
   days on market $119,900 Active 44 DOM
3. 2026-06-17
   status $119,900 Active 43 DOM
4. 2026-06-17
   days on market $119,900 Active Under Contract 43 DOM
5. 2026-06-16
   days on market $119,900 Active Under Contract 42 DOM
6. 2026-06-15
   days on market $119,900 Active Under Contract 41 DOM
7. 2026-06-14
   days on market $119,900 Active Under Contract 39 DOM
8. 2026-06-12
   statusdays on market $119,900 Active Under Contract 38 DOM
9. 2026-06-09
   days on market $119,900 Active 35 DOM
10. 2026-06-08
    days on market $119,900 Active 34 DOM
11. 2026-06-07
    days on market $119,900 Active 33 DOM
12. 2026-06-07
    days on market $119,900 Active 32 DOM
13. 2026-06-04
    days on market $119,900 Active 29 DOM
14. 2026-06-02
    days on market $119,900 Active 28 DOM
15. 2026-06-01
    days on market $119,900 Active 27 DOM
16. 2026-05-31
    days on market $119,900 Active 26 DOM
17. 2026-05-31
    days on market $119,900 Active 25 DOM
18. 2026-05-04
    listed $119,900 Active 593-char remark
19. 2025-08-14
    price $134,900
20. 2025-06-18
    listed $139,900 Active
21. 2023-05-12
    soldstatus $72,000 Closed

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

22. 2023-05-08
    status Pending

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

23. 2023-04-24
    price $79,900

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

24. 2023-03-24
    status Active

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

25. 2023-02-14
    status Pending

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

26. 2022-11-28
    price $84,900

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

27. 2022-11-10
    listed $89,900 Active

    Show marketing remark (1052 chars)

    NEW PRICE! Looking for a Weekend Getaway? This Cabin has been enjoyed by Several Generations, and has been lovingly cared for by the Current Owners. The Charm is apparent in the Photos - a Perfect Destination to spend Lazy Days and Summer Evenings, in your Rocking Chair on the Front Porch, as well as Cozy Warm Winter Evenings by the Wood Stove in the Large Living Room Area! The Rich Wood Floors and Overall Rustic Charm make it So Atmospheric! Penns Creek is across the Street - perfect for Canoeing / Kayaking and Fishing. Also a Great Location for Hunting and Hiking - so much to Explore! As is the case with many Cabin Communities, you will see a wide range of Styles and Property Condition around you, with neighbors nearby for those who enjoy the Community Feel. 3 Bedrooms, 1 Full Bath, Full Featured Kitchen, Well, Holding Tank, Outdoor Shed, Outdoor Stone Grill, Level Lot with Woods Everywhere - you will love spending some Downtime here! Why not take a Nice Scenic Drive to Visit this Property and see how it can Enhance Your Life!

28. 2017-06-02
    listed $69,900

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,746
• − Mortgage interest: −$6,716
• − Property taxes: −$1,798
• − Insurance: −$600
• − Repairs & maintenance: −$1,100
• − Management: −$1,100
• − Depreciation: −$3,488
• Taxable loss: −$1,056
• Est. tax savings @ 24.0%: +$253
• After-tax cash flow: $1,169/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

The property is in fair condition with moderate rehabilitation needs. It has a charming cabin-style exterior and a cluttered interior that could benefit from organization and fresh paint.

Repairs flagged

• Minor kitchen organization — Cluttered kitchen needs organization.
• Minor bathroom organization — Cluttered bathroom needs organization.
• Minor interior wall paint — Painted walls show some wear and could benefit from touch-up or fresh paint.

Value-add opportunities

• Both Painting interior walls — Fresh paint can improve the home's appearance and value.
• Both Organizing kitchen and bathroom — A clutter-free space enhances the home's appeal and functionality.
• Both Landscaping and curb appeal — A well-maintained exterior can attract more potential buyers or renters.

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen organization · Cluttered kitchen needs organization.	Minor	$500–3,000
bathroom organization · Cluttered bathroom needs organization.	Minor	$500–3,000
interior wall paint · Painted walls show some wear and could benefit from touch-up or fresh paint.	Minor	$500–3,000
Total estimated repair cost · 3 items		$1,500–9,000

Value-add ROI direction

• Both Painting interior walls — Fresh paint can improve the home's appearance and value. ↑
• Both Organizing kitchen and bathroom — A clutter-free space enhances the home's appeal and functionality. ↑
• Both Landscaping and curb appeal — A well-maintained exterior can attract more potential buyers or renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Mifflinburg Area SD
• NCES district ID: 4226010
• Math proficiency: 41% ▼ -10.00%
• Reading proficiency: 62% ▼ -2.00%
• Median HH income: $47,753
• Composite: 43.73/100
• National rank: #2949
• State rank: #163 of 539 in PA

Livability — Penns Creek

• Score: 59/100
• State rank: #1518
• US rank: #19710

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 437
• Population (ZIP): 10,374

Population outlook (Union County) Hauer SSP2

• Today (2025): 46,664 people
• By 2030: 47,704 · +2.2%
• By 2040: 48,798 · +4.6%
• By 2050: 49,048 · +5.1%
• By 2075: 47,491 · +1.8%
• By 2100: 41,817 · -10.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Hispanic / Latino 3% Two or more races 2%
• Common ancestry: Romanian 2% Polish 2% Scotch-Irish 2%
• Foreign-born: 0%
• Languages at home: 88% English-only · German/W. Germanic 10% Russian/Polish/Slavic 1%

Political lean MEDSL · Union

• 2024 margin: Strong R (+23.4) · D 37.8% · R 61.2%
• 2008→2024 swing: -8.9pp toward R · 2008: -14.5pp · 2024: -23.4pp
• All cycles: 2024: R+23.4 2020: R+24.3 2016: R+25.7 2012: R+23.5 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.70%
• Current HPI: 189.7833
• 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

+71.5% since first listed

13 events — show timeline

• 2026-06-17 Relisted — WBVAR
• 2026-06-11 Contingent — WBVAR
• 2026-05-04 Listed $119,900 WBVAR
• 2025-08-14 Price Changed $134,900 WBVAR
• 2025-06-18 Listed $139,900 WBVAR
• 2023-05-12 Sold (MLS) $72,000 BRIGHT MLS
• 2023-05-08 Pending — BRIGHT MLS
• 2023-04-24 Price Changed $79,900 BRIGHT MLS
• 2023-03-24 Relisted — BRIGHT MLS
• 2023-02-14 Pending — BRIGHT MLS
• 2022-11-28 Price Changed $84,900 BRIGHT MLS
• 2022-11-10 Listed $89,900 BRIGHT MLS
• 2017-06-02 Listed $69,900 CSVBR