819 Monterey St · Duquesne, PA 15110

$74,900

3 bd · 1.0 ba · 938 sqft · SingleFamily public records · 6 Days on market

Built 1935 6,851 sqft lot Est $106k · 29% under

---

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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +2.1/10.0
• Schools +1.3/10.0

Listing remarks MLS

NICE FAMILY HM W/ FENCE BACK YD, GARDEN. FRONT PORCH, NEW NEUTRAL WW, CIRC BRKRS, COUNTRY KITCHEN, WOOD CABINETS, BUILT-IN

Key facts

• Public transit
• Rear yard
• Kennywood area

Tags

• FULL BASEMENT
• REAR YARD
• LOCAL PARKS
• PUBLIC TRANSIT
• EASY ACCESS TO PA-837
• KENNYWOOD AREA

Property features AI

Exterior

• Parking: Off-street parking for 4 vehicles
• Utilities: Public water; Public sewer
• Home design: 2-story home; Resale property; Composition roof; Aluminum siding with frame construction
• Construction: Aluminum siding; Frame construction; Composition roof
• Exterior features: Lot approximately 0.157 acres

Interior

• Kitchen: Main-level kitchen approx. 13 x 9
• Bedrooms: Upper-level bedrooms (two): one approx. 8 x 18, one approx. 13 x 15; Main-level bedroom approx. 10 x 10
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced-air heating (gas)
• Interior features: Carpet and vinyl flooring; Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $372 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).

Location & tenants

• Location reads 68/100 on livability (#927 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D+, schools F, crime F.
• Duquesne City SD (suburban): math 10% / reading 15% proficiency, ranked #611 of 658 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 97% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 19 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 $518 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 31y 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 $29k; list at $75k implies a 158% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $74,900

Questions for the listing agent

1. Built in 1935 — 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. 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: 1.49% ✓
• Cap rate: 12.25%
• Cash-on-cash: 21.28%
• DSCR: 1.95
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $105,994
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1406 Maryland Ave	0.25mi	2/1.5 (-1)	962 (+3%)	5mo	$90,000	$94	73
412 Viola Ave	0.44mi	2/1.0 (-1)	930 (-1%)	9mo	$42,500	$46	65
1403 Maryland Ave	0.25mi	2/1.5 (-1)	904 (-4%)	12mo	$102,500	$113	65
719 Catharine St	0.24mi	2/1.0 (-1)	876 (-7%)	12mo	$25,000	$29	63
920 Maryland Ave	0.12mi	2/1.0 (-1)	1,020 (+9%)	16mo	$63,000	$62	62
1728 Iowa Ave	0.50mi	2/1.0 (-1)	900 (-4%)	7mo	$65,000	$72	59
1705 Texas Ave	0.40mi	2/1.0 (-1)	1,053 (+12%)	4mo	$31,900	$30	53
1815 Iowa Ave	0.56mi	2/1.5 (-1)	990 (+6%)	14mo	$150,000	$152	46
2002 Vermont Ave	0.69mi	2/1.0 (-1)	1,056 (+13%)	2mo	$155,000	$147	40
1808 Vermont Ave	0.53mi	3/2.0	1,074 (+14%)	8mo	$230,000	$214	40
1721 Iowa Ave,	0.47mi	2/1.0 (-1)	800 (-15%)	10mo	$140,000	$175	40
1818 Bluff St	0.66mi	2/1.0 (-1)	1,056 (+13%)	11mo	$135,000	$128	35

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: 13.8%
• Equity multiple: 1.55×
• Total profit: $11,568
• Equity at exit: $11,168

10-year hold

• IRR: 22.6%
• Equity multiple: 2.94×
• Total profit: $40,635
• Equity at exit: $6,476

Cash invested: $20,972 (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 15110

• Home prices YoY: -4.0%
• Active inventory: 19
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,119 high
• Mortgage (P&I): −$393
• Tax from tax record: −$88 /mo · $1,059/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $372

Break-even live

Break-even rent $648

Max offer price $74,900

Occupancy floor 62%

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1010 Savey St Duquesne, PA	2.0	1.0	1000	$1,200	$1.20	44d	1	0.14mi
207 Auriles St Duquesne, PA	2.0	1.0	950	$950	$1.00	44d	1	0.31mi
1744 Highland Ave West Mifflin, PA	2.0	1.0	1100	$1,549	$1.41	4d	1	0.48mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	14d	1	1.08mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	12d	3	1.08mi
510 E Pittsburgh McKeesport Blvd Unit 1 North Versailles Township, PA	2.0	1.0	663	$950	$1.43	23d	1	1.23mi
1114-1116 Ohio St Unit 2R McKeesport, PA	2.0	1.0	878	$850	$0.97	16d	1	1.37mi
3101 Homestead Duquesne Rd West Mifflin, PA	2.0	1.0	924	$900	$0.97	44d	1	1.48mi

Listing history 6 events

1. 2026-06-18
   days on market $74,900 Active 6 DOM
2. 2026-06-17
   days on market $74,900 Active 5 DOM
3. 2026-06-16
   days on market $74,900 Active 4 DOM
4. 2026-06-15
   days on market $74,900 Active 3 DOM
5. 2026-06-13
   remarks 699-char remark
6. 2026-06-13
   listed $74,900 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: $1,059 · $88/mo
• Projected year-2 tax: $1,121 · $93/mo
• Expected delta: +$62/yr (+$5/mo · 5.9%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,431
• − Mortgage interest: −$4,196
• − Property taxes: −$1,059
• − Insurance: −$374
• − Repairs & maintenance: −$1,074
• − Management: −$1,074
• − Depreciation: −$2,179
• Taxable income: $3,474
• Est. tax owed @ 24.0%: −$834
• After-tax cash flow: $3,630/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: Duquesne City SD
• NCES district ID: 4208010
• Math proficiency: 10% ▲ 4.00%
• Reading proficiency: 15% ▬ 0.00%
• Median HH income: $24,173
• Composite: 12.77/100
• National rank: #14546
• State rank: #611 of 658 in PA

Livability — Duquesne

• Score: 68/100
• State rank: #927
• US rank: #10089

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Duquesne, PA
• City population: 5,186
• Population (ZIP): 5,186

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: Black 44% White 37% Two or more races 16% Hispanic / Latino 3%
• Common ancestry: Romanian 3% Lithuanian 2% Slovene 1%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -5.75%
• Current HPI: 138.4974
• 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

+499.2% since first listed

6 events — show timeline

• 2026-06-12 Listed $74,900 West Penn MLS
• 2021-12-23 Sold (Public Records) $29,000 Public Records
• 1996-03-26 Sold (Public Records) $16,000 Public Records
• 1996-03-25 Sold (MLS) $16,000 West Penn MLS
• 1995-08-08 Listed $19,900 West Penn MLS
• 1975-07-02 Sold (Public Records) $12,500 Public Records

Property tax history

+3.5%/yr

Latest (2026): $1,059 · +2.9% YoY. Source: county tax records.