370 Harold Ave · Johnstown, PA 15906

$59,900

3 bd · 1.0 ba · 1,214 sqft · SingleFamily · 44 Days on market

2,178 sqft lot $49/sqft · 40% above area Est $43k · 40% over

---

Why this score? — see what drove the C+ 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
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

Key facts

• Painted interior
• Select new windows
• Updated flooring

Tags

• NEW ROOF
• UPDATED FLOORING
• SELECT NEW WINDOWS
• PAINTED INTERIOR
• UPGRADED ELECTRICAL PANEL
• NEW LIGHT FIXTURES

Property features AI

Exterior

• Parking: Off-street gravel parking
• Utilities: Public water; Public sewer; Sewer available; Cable available
• Home design: Single-family residential; Two stories
• Construction: Aluminum siding; Stone accents; Full unfinished basement
• Exterior features: Covered porch; Shingle roof; Rectangular lot; City street frontage; Publicly maintained road

Interior

• Kitchen: Dishwasher; Range; Oven; Refrigerator
• Flooring: Carpet; Laminate; Vinyl; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (natural gas); Ceiling fan(s)
• Interior features: High-speed internet; Double-pane windows
• Laundry & utility: Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $175 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($833 rent vs $60k).
• Recommended offer: $58k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.9% vs local median 15.0% in Johnstown — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Greater Johnstown El Sch (math 14% / reading 21%, grade F, #1,291 of 1,518 statewide, top 85%, 1,269 students, 100% FRL); Greater Johnstown Ms (math 6% / reading 24%, grade F, #471 of 512 statewide, top 93%, 660 students, 100% FRL); Greater Johnstown Shs (math 8% / reading 32%, grade F, #387 of 437 statewide, top 89%, 894 students, 98% FRL) — zoned schools average 100% FRL vs 80% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 47 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% 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 $17k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($58k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $29k; list at $60k implies a 107% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $58,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.39% ✓
• Cap rate: 10.91%
• Cash-on-cash: 16.51%
• DSCR: 1.73
• GRM: 6.0

CMA / ARV

• ARV (median comp): $42,918
• List price: $59,900
• Delta: 39.57%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
355 Corinne St	0.08mi	2/1.0 (-1)	1,254 (+3%)	6mo	$52,500	$42	81
166 Stone St	0.27mi	2/1.0 (-1)	1,181 (-3%)	6mo	$42,000	$36	73
426 Decker Ave	0.18mi	3/1.0	1,318 (+9%)	8mo	$65,720	$50	71
77 Boyer St	0.52mi	3/2.0	1,236 (+2%)	6mo	$39,500	$32	64
419 Beatrice Ave	0.18mi	3/2.0	1,392 (+15%)	4mo	$65,900	$47	60
284 Wilson St	0.42mi	2/1.0 (-1)	1,104 (-9%)	3mo	$49,900	$45	58
440 Boyer St	0.64mi	2/1.0 (-1)	1,152 (-5%)	5mo	$40,000	$35	53
405 Chandler Ave	0.41mi	2/1.0 (-1)	1,056 (-13%)	3mo	$22,500	$21	52
318 Vaughn St	0.63mi	3/1.0	1,374 (+13%)	2mo	$23,000	$17	47
185 Glenn St	0.56mi	3/1.0	1,372 (+13%)	8mo	$69,000	$50	46
394 Fairfield Ave	0.70mi	3/1.0	1,323 (+9%)	8mo	$65,000	$49	46
108 Biffs Aly	0.73mi	3/1.0	1,334 (+10%)	8mo	$80,000	$60	43

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: 2.3%
• Equity multiple: 1.09×
• Total profit: $1,505
• Equity at exit: $8,931

10-year hold

• IRR: 12.0%
• Equity multiple: 1.95×
• Total profit: $15,899
• Equity at exit: $5,179

Cash invested: $16,772 (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 15906

• Home prices YoY: -4.0%
• Active inventory: 47
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $833 high
• Mortgage (P&I): −$314
• Tax from tax record: −$88 /mo · $1,058/yr
• Insurance: −$25
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$175
• Net cashflow: $175

Break-even live

Break-even rent $611

Max offer price $59,900

Occupancy floor 74%

Sensitivity live

Price	-10% $209	-5% $192	+0% $175	+5% $158	+10% $141
Rent	-10% $109	-5% $142	+0% $175	+5% $208	+10% $241
Rate	-1.0pp $205	-0.5pp $190	base $175	+0.5pp $160	+1.0pp $144

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
444 Stone St Johnstown, PA	2.0	1.0	908	$700	$0.77	45d	1	0.06mi
459 Stone St Johnstown, PA	3.0	1.0	1120	$900	$0.80	25d	1	0.07mi
444 Stone St Unit 444 Johnstown, PA	2.0	1.0	950	$700	$0.74	25d	1	0.08mi
213 Stone St Johnstown, PA	2.0	1.0	989	$1,100	$1.11	25d	1	0.15mi
207 Burkhard St Johnstown, PA	2.0	1.0	856	$825	$0.96	25d	1	0.91mi

Listing history 34 events

1. 2026-06-19
   days on market $59,900 Active 44 DOM
2. 2026-06-18
   days on market $59,900 Active 43 DOM
3. 2026-06-17
   days on market $59,900 Active 42 DOM
4. 2026-06-16
   days on market $59,900 Active 41 DOM
5. 2026-06-15
   days on market $59,900 Active 40 DOM
6. 2026-06-14
   days on market $59,900 Active 38 DOM
7. 2026-06-12
   days on market $59,900 Active 37 DOM
8. 2026-06-09
   days on market $59,900 Active 34 DOM
9. 2026-06-08
   days on market $59,900 Active 33 DOM
10. 2026-06-07
    days on market $59,900 Active 32 DOM
11. 2026-06-05
    days on market $59,900 Active 29 DOM
12. 2026-06-02
    days on market $59,900 Active 27 DOM
13. 2026-06-01
    days on market $59,900 Active 26 DOM
14. 2026-05-31
    days on market $59,900 Active 25 DOM
15. 2026-05-30
    days on market $59,900 Active 24 DOM
16. 2026-05-06
    listed $64,500 Active 1929-char remark
17. 2025-10-22
    historical $775
18. 2025-10-08
    price $775
19. 2025-10-01
    price $54,900
20. 2025-09-22
    price $58,900
21. 2025-09-16
    listed $850
22. 2025-09-09
    price $59,900
23. 2025-08-27
    price $61,900
24. 2025-08-18
    price $64,900
25. 2025-08-05
    listed $69,900 Active
26. 2025-04-17
    soldstatus $29,000 Closed

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

27. 2025-04-17
    soldstatus $29,000

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

28. 2025-04-03
    status Pending

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

29. 2025-03-21
    historical Active Under Contract

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

30. 2025-01-16
    price $34,900

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

31. 2024-12-02
    status Active

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

32. 2024-11-20
    status Pending

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

33. 2024-10-29
    historical Active Under Contract

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

34. 2024-10-23
    listed $39,900 Active

    Show marketing remark (500 chars)

    2 Story 3 bedroom 1 bath home ready for your updating. Priced to sell. The first floor offers a large living room with alcove, separate dining room and kitchen. Laundry Room located on first floor. Second floor offers 3 bedrooms with closets and ceiling fans and a full bath. Walk up attic provides plenty of storage. Covered front porch. Parking area is gravel and large enough to fit multiple vehicles. Newer On Demand hot water heater and boiler/furnace. Call to schedule your private tour today!!

ⓘ 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: $1,058 · $88/mo
• Projected year-2 tax: $1,058 · $88/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 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥96°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,994
• − Mortgage interest: −$3,355
• − Property taxes: −$1,058
• − Insurance: −$966
• − Repairs & maintenance: −$800
• − Management: −$800
• − Depreciation: −$1,743
• Taxable income: $1,273
• Est. tax owed @ 24.0%: −$306
• After-tax cash flow: $1,796/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Johnstown, PA
• City population: 30,791
• Population (ZIP): 9,654

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 11% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Romanian 8% Polish 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.26%
• Current HPI: 77.6797
• 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

+50.1% since first listed

20 events — show timeline

• 2026-05-28 Price Changed $59,900 CSMLS
• 2026-05-06 Listed $64,500 CSMLS
• 2025-10-22 Rental Removed $775 CSMLS
• 2025-10-08 Price Changed $775 CSMLS
• 2025-10-01 Price Changed $54,900 CSMLS
• 2025-09-22 Price Changed $58,900 CSMLS
• 2025-09-16 Listed for Rent $850 CSMLS
• 2025-09-09 Price Changed $59,900 CSMLS
• 2025-08-27 Price Changed $61,900 CSMLS
• 2025-08-18 Price Changed $64,900 CSMLS
• 2025-08-05 Listed $69,900 CSMLS
• 2025-04-17 Sold (Public Records) $29,000 Public Records
• 2025-04-17 Sold (MLS) $29,000 CSMLS
• 2025-04-03 Pending — CSMLS
• 2025-03-21 Contingent — CSMLS
• 2025-01-16 Price Changed $34,900 CSMLS
• 2024-12-02 Relisted — CSMLS
• 2024-11-20 Pending — CSMLS
• 2024-10-29 Contingent — CSMLS
• 2024-10-23 Listed $39,900 CSMLS

Property tax history

-2.2%/yr

Latest (2026): $1,058 · +0.0% YoY. Source: county tax records.