1449 2nd St · Orchard Hills, PA 15613

$70,000

3 bd · 1.0 ba · 1,282 sqft · SingleFamily public records · 5 Days on market

Built 1926 0.36 ac lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.2/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 1449 2nd Street in Kiski Township! This charming 2-bedroom Cape Cod offers comfortable living, a spacious yard, and plenty of potential for its next owner. Relax on the large covered front porch, perfect for enjoying your morning coffee or unwinding in the evening. Inside, you'll find an updated kitchen featuring durable vinyl flooring, quality hardwood cabinetry, a stainless-steel refrigerator, and an electric stove. The generously sized first-floor primary bedroom provides convenient access to the full bathroom, which has been updated with vinyl flooring and a walk-in shower. The second floor offers a large additional bedroom that could also serve as a home office, hobby space,

Key facts

• Vinyl flooring
• Updated kitchen
• Electric stove

Tags

• LARGE COVERED FRONT PORCH
• UPDATED KITCHEN
• VINYL FLOORING
• QUALITY HARDWOOD CABINETRY
• STAINLESS STEEL REFRIGERATOR
• ELECTRIC STOVE

Property features AI

Exterior

• Parking: Attached garage; Off-street parking (total 1 space)
• Utilities: Public water; Septic tank
• Home design: Resale property
• Construction: Metal roof; Vinyl siding; Home warranty included
• Exterior features: Lot approximately 0.356 acres

Interior

• Kitchen: Kitchen (16 x 11); Refrigerator; Stove
• Bedrooms: Bedroom on upper level (25 x 10)
• Flooring: Vinyl flooring; Carpet
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (oil); Wall/window cooling unit(s)
• Interior features: Finished full basement with interior entry
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $591 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).

Location & tenants

• Location reads 65/100 on livability (#1,114 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• Apollo-Ridge SD (rural): math 23% / reading 45% proficiency, ranked #425 of 539 in PA (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 61 active listings in the ZIP; 58 units permitted in Armstrong County in 2024 (20 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $484 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Armstrong County population projected at -27% 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 $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $32k; list at $70k implies a 119% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $70,000

Questions for the listing agent

1. Built in 1926 — 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 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?
4. 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.
5. 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.
6. 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: 1.99% ✓
• Cap rate: 16.43%
• Cash-on-cash: 36.20%
• DSCR: 2.61
• GRM: 4.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 32.0%
• Equity multiple: 2.34×
• Total profit: $26,350
• Equity at exit: $10,437

10-year hold

• IRR: 39.1%
• Equity multiple: 4.65×
• Total profit: $71,578
• Equity at exit: $6,052

Cash invested: $19,600 (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 15613

• Home prices YoY: -14.8%
• Active inventory: 61
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,390 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$111 /mo · $1,327/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $591

Break-even live

Break-even rent $642

Max offer price $70,000

Occupancy floor 52%

Sensitivity live

Price	-10% $631	-5% $611	+0% $591	+5% $571	+10% $552
Rent	-10% $481	-5% $536	+0% $591	+5% $646	+10% $701
Rate	-1.0pp $627	-0.5pp $609	base $591	+0.5pp $573	+1.0pp $555

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-06-12
   statusdays on market $70,000 Pending 5 DOM
2. 2026-06-09
   days on market $70,000 Active 3 DOM
3. 2026-06-08
   days on market $70,000 Active 2 DOM
4. 2026-06-07
   remarks 699-char remark
5. 2026-06-07
   listed $70,000 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: $1,327 · $111/mo
• Projected year-2 tax: $1,327 · $111/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 ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,680
• − Mortgage interest: −$3,921
• − Property taxes: −$1,327
• − Insurance: −$350
• − Repairs & maintenance: −$1,334
• − Management: −$1,334
• − Depreciation: −$2,036
• Taxable income: $6,377
• Est. tax owed @ 24.0%: −$1,530
• After-tax cash flow: $5,565/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: Apollo-Ridge SD
• NCES district ID: 4202550
• Math proficiency: 23% ▼ -14.00%
• Reading proficiency: 45% ▼ -19.00%
• Median HH income: $43,741
• Composite: 28.83/100
• National rank: #6654
• State rank: #425 of 539 in PA

Livability — Orchard Hills

• Score: 65/100
• State rank: #1114
• US rank: #12686

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 12,732

Population outlook (Armstrong County) Hauer SSP2

• Today (2025): 62,513 people
• By 2030: 59,579 · -4.7%
• By 2040: 52,890 · -15.4%
• By 2050: 45,904 · -26.6%
• By 2075: 32,023 · -48.8%
• By 2100: 20,415 · -67.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 3%
• Common ancestry: Romanian 7% Lithuanian 2% Iranian 2%
• Foreign-born: 1% · China, Canada, Jamaica
• Languages at home: 97% English-only · Spanish 1% Chinese 1%

Political lean MEDSL · Armstrong

• 2024 margin: Solid R (+53.2) · D 23.0% · R 76.2%
• 2008→2024 swing: -28.6pp toward R · 2008: -24.6pp · 2024: -53.2pp
• All cycles: 2024: R+53.2 2020: R+52.3 2016: R+52.0 2012: R+37.2 2008: R+24.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.35%
• Current HPI: 261.4891
• 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

+118.8% since first listed

2 events — show timeline

• 2026-06-01 Listed $70,000 West Penn MLS
• 2003-07-09 Sold (Public Records) $32,000 Public Records

Property tax history

+1.4%/yr

Latest (2026): $1,327 · +0.8% YoY. Source: county tax records.