313 N First St · Titusville, PA 16354

$129,500

1 bd · 1.5 ba · 680 sqft · SingleFamily · 13 Days on market

3,485 sqft lot

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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 +13.2/30.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• DSCR +4.0/10.0
• Schools +3.7/10.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home has undergone an amazing remodel. The only way to truly appreciate the uniqueness & tranquility of this property is to see it in person. A great home for a 1st-time homeowner or someone looking to downsize. This could also be an investment property. There is a main-floor bedroom full & half bath. The furnished kitchen & living room have an open-concept design which allows for daylight to shine through efficiently. A cozy upper loft provides extra space to relax & has additional storage space. All new utilities including a split unit for heating & A/C, a wall mounted on demand hot water heater, laundry hook-ups, & 200 amp electric service. The fenced-in backyard gives privacy & adds appeal while enjoying the back porch. A covered front porch is one of the 1st things noticed when accessing the property. There is a 2-stall detached garage with a new concrete floor & wiring. Although small in square footage, this home yields great potential & has wonderful charm & appeal.

Key facts

• Furnished kitchen
• Covered front porch
• Fenced in backyard

Tags

• MAIN FLOOR BEDROOM
• FURNISHED KITCHEN
• OPEN CONCEPT DESIGN
• COZY UPPER LOFT
• FENCED IN BACKYARD
• COVERED FRONT PORCH

Property features AI

Exterior

• Parking: Detached garage (2 spaces)
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family residence; One and one-half stories; Residential property
• Construction: Built with frame construction and vinyl siding; Composition roof
• Exterior features: Covered porch and patio; Level lot; Paved road access

Interior

• Kitchen: Dishwasher; Gas oven; Gas range; Microwave; Refrigerator
• Flooring: Hardwood; Vinyl; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Electric heating; Wall unit cooling
• Interior features: Gas fireplace (1); Crawl space basement; 6 total rooms
• Laundry & utility: Washer

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $-3 ($-31/yr) — negative.
• To cash-flow at today's rent, offer at most $129k (0.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $100k (23.1% below list).
• Recommended offer: $100k (23.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 84/100 on livability (#104 in PA, #777 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, health & safety A+; Watch: amenities F, employment F.
• Titusville Area SD (town): math 35% / reading 55% proficiency, ranked #287 of 539 in PA (top 53%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 32 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $895 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 $11k; list at $130k implies a 1077% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,610 (23.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-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?
4. 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?
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: 0.77% ✗
• Cap rate: 6.27%
• Cash-on-cash: -0.09%
• DSCR: 1.00
• GRM: 10.8

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: -16.5%
• Equity multiple: 0.42×
• Total profit: $-21,199
• Equity at exit: $19,309

10-year hold

• IRR: -8.3%
• Equity multiple: 0.48×
• Total profit: $-18,873
• Equity at exit: $11,197

Cash invested: $36,260 (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 16354

• Home prices YoY: -5.3%
• Active inventory: 32
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $996 medium
• Mortgage (P&I): −$679
• Tax from tax record: −$56 /mo · $677/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$209
• Net cashflow: $-3

Break-even live

Break-even rent $999

Max offer price $129,044

Occupancy floor 95%

Sensitivity live

Price	-10% $71	-5% $34	+0% $-3	+5% $-39	+10% $-76
Rent	-10% $-81	-5% $-42	+0% $-3	+5% $37	+10% $76
Rate	-1.0pp $63	-0.5pp $30	base $-3	+0.5pp $-36	+1.0pp $-70

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: $32,375
• Closing costs: $3,885
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-17
   status $129,500 Pending 13 DOM
2. 2026-06-17
   days on market $129,500 Active 13 DOM
3. 2026-06-16
   days on market $129,500 Active 12 DOM
4. 2026-06-15
   days on market $129,500 Active 11 DOM
5. 2026-06-13
   days on market $129,500 Active 9 DOM
6. 2026-06-12
   days on market $129,500 Active 8 DOM
7. 2026-06-09
   days on market $129,500 Active 5 DOM
8. 2026-06-08
   days on market $129,500 Active 4 DOM
9. 2026-06-08
   days on market $129,500 Active 3 DOM
10. 2026-06-07
    remarks 675-char remark
11. 2026-06-07
    listed $129,500 Active 2 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: $677 · $56/mo
• Projected year-2 tax: $1,362 · $113/mo
• Expected delta: +$684/yr (+$57/mo · 101.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 67% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 8 d/yr ≥92°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,953
• − Mortgage interest: −$7,254
• − Property taxes: −$677
• − Insurance: −$648
• − Repairs & maintenance: −$956
• − Management: −$956
• − Depreciation: −$3,767
• Taxable loss: −$2,305
• Est. tax savings @ 24.0%: +$553
• After-tax cash flow: $522/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: Titusville Area SD
• NCES district ID: 4223490
• Math proficiency: 35% ▼ -9.00%
• Reading proficiency: 55% ▼ -10.00%
• Median HH income: $38,179
• Composite: 37.43/100
• National rank: #4418
• State rank: #287 of 539 in PA

Livability — Titusville

• Score: 84/100
• State rank: #104
• US rank: #777

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Titusville, PA
• Population (ZIP): 10,120

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2%
• Common ancestry: Romanian 5% Serbian 3% Iranian 3%
• Foreign-born: 1% · South Korea

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -12.41%
• Current HPI: 221.8311
• 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

+1077.3% since first listed

3 events — show timeline

• 2026-06-04 Listed $129,500 AVBREALTORS
• 2026-06-04 Listed $129,500 GEBOR
• 2018-12-21 Sold (MLS) $11,000 AVBREALTORS

Property tax history

+0.9%/yr

Latest (2025): $677 · +2.7% YoY. Source: county tax records.