657 Lewisberry Rd · Lower Allen, PA 17070

$98,900

5 bd · 2.0 ba · 1,920 sqft · SingleFamily public records · 95 Days on market

Built 1900 0.36 ac lot $52/sqft · 71% below area

---

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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

Key facts

• 0.36 acre lot
• Garage
• Built 1900

🏷️ Possibly a rental listed for sale. The $98,900 price doesn't fit this home's estimated sale value (~$341,760) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $530 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $99k).
• Recommended offer: $90k (9.0% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 2.4% in Lower Allen — 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 79/100 on livability (#231 in PA, #2,010 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• West Shore SD (suburban): math 37% / reading 56% proficiency, ranked #222 of 539 in PA (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 89 active listings in the ZIP; solid renter incomes; 1,328 units permitted in York County in 2024 (338 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $85k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $89,999 (9.0% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.74% ✓
• Cap rate: 13.53%
• Cash-on-cash: 25.84%
• DSCR: 2.15
• GRM: 4.8

CMA / ARV

• ARV (median comp): $341,760
• List price: $98,900
• Delta: -71.06%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 16.0%
• Equity multiple: 1.64×
• Total profit: $17,842
• Equity at exit: $14,746

10-year hold

• IRR: 24.7%
• Equity multiple: 3.15×
• Total profit: $59,469
• Equity at exit: $8,551

Cash invested: $27,692 (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 17070

• Home prices YoY: -27.3%
• Active inventory: 89
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,722 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$204 /mo · $2,447/yr
• Insurance: −$41
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$362
• Net cashflow: $530

Break-even live

Break-even rent $1,051

Max offer price $98,900

Occupancy floor 64%

Sensitivity live

Price	-10% $586	-5% $558	+0% $530	+5% $502	+10% $474
Rent	-10% $394	-5% $462	+0% $530	+5% $598	+10% $666
Rate	-1.0pp $580	-0.5pp $555	base $530	+0.5pp $504	+1.0pp $478

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: $24,725
• Closing costs: $2,967
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-02
   status $98,900 Pending 95 DOM
2. 2026-06-01
   days on market $98,900 Active 95 DOM
3. 2026-05-31
   days on market $98,900 Active 94 DOM
4. 2026-05-31
   days on market $98,900 Active 93 DOM
5. 2026-05-12
   price $99,000 1477-char remark

   Show marketing remark (1477 chars)

   Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

6. 2026-05-08
   price $109,900 1477-char remark

   Show marketing remark (1477 chars)

   Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

7. 2026-02-27
   listed $110,000 Active 1477-char remark

   Show marketing remark (1477 chars)

   Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

8. 2026-02-25
   price $110,000 1477-char remark

   Show marketing remark (1477 chars)

   Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

9. 2026-02-25
   historical $150,000 1477-char remark

   Show marketing remark (1477 chars)

   Investment Opportunity – Lewisberry Rd, New Cumberland This is a long-term tenant-occupied property offering 4 bedrooms and 2 full bathrooms in a 1900-built home located in a highly accessible West Shore corridor. The current tenants have been in place for over 20 years and are paying $1,000 per month. The property has not been recently updated and will require improvements. This is best suited for an investor or buyer prepared to renovate and reposition the asset over time. The layout includes two full stories with multiple bedrooms, offering flexibility for future reconfiguration or modernization. With the right updates, the square footage and bedroom count create strong upside potential with very little downside. Location is a key factor here. Lewisberry Road provides quick access to I-83, Route 15, and the Pennsylvania Turnpike. Harrisburg, Camp Hill, Mechanicsburg, and York are all within easy commuting distance. The surrounding area supports consistent rental demand due to proximity to major employment centers and transportation routes. For an investor, this presents the opportunity to: -Maintain current cash flow while planning renovations -Improve condition and increase rents over time -Fully reposition the property for resale or long-term hold This is not a turnkey property. It is a value-add opportunity in a strong commuter location. If you are looking for a project with upside in a well-connected area, this property is worth evaluating.

10. 2024-03-27
    soldstatus $85,000
11. 2002-08-19
    soldstatus $27,800

ⓘ 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: $2,447 · $204/mo
• Projected year-2 tax: $2,447 · $204/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 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,661
• − Mortgage interest: −$5,540
• − Property taxes: −$2,447
• − Insurance: −$1,292
• − Repairs & maintenance: −$1,653
• − Management: −$1,653
• − Depreciation: −$2,877
• Taxable income: $5,199
• Est. tax owed @ 24.0%: −$1,248
• After-tax cash flow: $5,111/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: West Shore SD
• NCES district ID: 4225830
• Math proficiency: 37% ▼ -12.00%
• Reading proficiency: 56% ▼ -10.00%
• Median HH income: $61,398
• Composite: 40.9/100
• National rank: #3617
• State rank: #222 of 539 in PA

Livability — Lower Allen

• Score: 79/100
• State rank: #231
• US rank: #2010

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cumberland County · 257,673 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 16,830
• Household income: $88,000
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 327.0

Population outlook (York County) Hauer SSP2

• Today (2025): 454,205 people
• By 2030: 457,407 · +0.7%
• By 2040: 457,529 · +0.7%
• By 2050: 448,261 · -1.3%
• By 2075: 427,388 · -5.9%
• By 2100: 384,218 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 11% Two or more races 7% Black 3% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6%
• Common ancestry: Romanian 3% Slovak 2% Italian 1%
• Foreign-born: 3% · Canada, Vietnam
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Arabic 1%

Political lean MEDSL · York

• 2024 margin: Strong R (+25.3) · D 36.9% · R 62.1%
• 2008→2024 swing: -11.7pp toward R · 2008: -13.6pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+24.6 2016: R+29.3 2012: R+21.2 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -94.00%
• Current HPI: 250.869
• Rent YoY: —
• Metro: Harrisburg-Carlisle, PA
• 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

+256.1% since first listed

7 events — show timeline

• 2026-05-12 Price Changed $99,000 BRIGHT MLS
• 2026-05-08 Price Changed $109,900 BRIGHT MLS
• 2026-02-27 Listed $110,000 BRIGHT MLS
• 2026-02-25 Price Changed $110,000 BRIGHT MLS
• 2026-02-25 Coming Soon $150,000 BRIGHT MLS
• 2024-03-27 Sold (Public Records) $85,000 Public Records
• 2002-08-19 Sold (Public Records) $27,800 Public Records

Property tax history

+2.7%/yr

Latest (2025): $2,447 · +4.7% YoY. Source: county tax records.