1011 Chartiers Ave · McKees Rocks, PA 15136

$99,999

3 bd · 1.0 ba · 1,642 sqft · SingleFamily public records · 25 Days on market

Built 1900 3,781 sqft lot Est $105k · at est.

---

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
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• ARV discount +9.7/15.0
• Rent growth +5.0/5.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Fully renovated 3-bed, 1.5-bath home in McKees Rocks — all major systems brand new. New furnace with 10-year warranty, new hot water tank, updated plumbing and electrical throughout, new carpet and fresh paint. Handicap accessible with stair lift. Large rear yard with off-street parking. Just 10 minutes to downtown Pittsburgh. Priced under $100K — ideal as a move-in ready starter home or a cash-flowing day-1 rental investment. Washer and dryer included. Located in an opportunity zone with strong rental demand near Pittsburgh job centers.

Key facts

• Fully renovated
• New furnace
• Updated electrical

Tags

• FULLY RENOVATED
• NEW FURNACE
• NEW HOT WATER TANK
• UPDATED PLUMBING
• UPDATED ELECTRICAL
• LARGE REAR YARD

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: 2 stories; Resale property
• Construction: Frame construction; Asphalt roof
• Exterior features: Small lot (approximately 0.0868 acres)

Interior

• Kitchen: Kitchen (approximately 13 x 10); Stove
• Bedrooms: Two upper-level bedrooms (each about 12 x 12); One additional bedroom (level not specified)
• Flooring: Carpet; Hardwood; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating
• Interior features: Unfinished walk-out basement; 6 total rooms
• Laundry & utility: Main-level laundry (8 x 8); Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $444 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 12.3% vs local median 10.0% in McKees Rocks — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 82/100 on livability (#143 in PA, #1,154 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, employment F.
• Sto-Rox SD (suburban): math 4% / reading 18% proficiency, ranked #532 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 127 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $58k; list at $100k implies a 72% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/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 $98,499 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.48% ✓
• Cap rate: 12.29%
• Cash-on-cash: 21.41%
• DSCR: 1.95
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $105,088
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
747 Chartiers Ave	0.17mi	3/1.0	1,616 (-2%)	0mo	$105,000	$65	89
127 Amelia St	0.14mi	4/2.0 (+1)	1,625 (-1%)	1mo	$190,000	$117	82
334 Russellwood Ave	0.28mi	4/1.5 (+1)	1,616 (-2%)	8mo	$149,000	$92	71
1109 Progress St	0.19mi	3/2.0	1,477 (-10%)	3mo	$77,000	$52	68
916 2nd St	0.16mi	4/2.0 (+1)	1,766 (+8%)	6mo	$90,000	$51	66
67 Rosamond St	0.45mi	3/2.0	1,545 (-6%)	0mo	$128,000	$83	65
853 Railroad St	0.25mi	3/1.0	1,422 (-13%)	8mo	$57,000	$40	60
439 Alexander St	0.46mi	4/2.0 (+1)	1,750 (+7%)	3mo	$10,500	$6	56
27 Highland Ave	0.57mi	3/1.0	1,488 (-9%)	5mo	$66,000	$44	53
1170 Dohrman St	0.62mi	3/2.0	1,521 (-7%)	7mo	$125,000	$82	49
109 Helen St	0.74mi	3/3.0	1,582 (-4%)	5mo	$100,000	$63	47
19 Shaw Ave	0.73mi	4/1.0 (+1)	1,485 (-10%)	6mo	$95,000	$64	40

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 16.6%
• Equity multiple: 1.71×
• Total profit: $19,938
• Equity at exit: $14,910

10-year hold

• IRR: 28.7%
• Equity multiple: 4.20×
• Total profit: $89,556
• Equity at exit: $8,646

Cash invested: $28,000 (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 15136

• Home prices YoY: -30.4%
• Rents YoY: 13.1%
• Active inventory: 127
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,480 high
• Mortgage (P&I): −$524
• Tax from tax record: −$104 /mo · $1,247/yr
• Insurance: −$42
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $444

Break-even live

Break-even rent $918

Max offer price $99,999

Occupancy floor 65%

Sensitivity live

Price	-10% $501	-5% $472	+0% $444	+5% $416	+10% $387
Rent	-10% $327	-5% $385	+0% $444	+5% $502	+10% $561
Rate	-1.0pp $494	-0.5pp $469	base $444	+0.5pp $418	+1.0pp $392

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
720 Mary St Mc Kees Rocks, PA	4.0	2.0	1800	$1,795	$1.00	9d	1	0.29mi
504 Fair Oaks St Mc Kees Rocks, PA	4.0	1.0	1480	$1,195	$0.81	25d	1	0.41mi
500 Marwood Ave Unit NA McKees Rocks, PA	3.0	2.0	2040	$1,500	$0.74	25d	1	0.44mi
500 Marwood Ave Mc Kees Rocks, PA	3.0	2.0	2040	$1,600	$0.78	25d	1	0.44mi
207 Singer Ave Mc Kees Rocks, PA	3.0	2.0	1728	$1,700	$0.98	45d	1	0.48mi
27 Highland Ave Mc Kees Rocks, PA	3.0	1.0	1488	$1,425	$0.96	25d	1	0.57mi
71 McKinnie Ave Mc Kees Rocks, PA	2.0	1.0	1176	$1,100	$0.94	25d	1	0.59mi
705 Russellwood Ave Unit 2ndFL McKees Rocks, PA	4.0	1.0	1100	$2,250	$2.05	3d	1	0.61mi
705 Russellwood Ave Apt 2nd Floor McKees Rocks, PA	4.0	1.0	1100	$2,195	$2.00	3d	1	0.61mi
1126 Dohrman St Unit MC McKees Rocks, PA	2.0	1.0	1200	$1,250	$1.04	45d	1	0.65mi
1124a Dohrman St McKees Rocks, PA	3.0	1.0	1150	$1,250	$1.09	25d	1	0.65mi
22 Harlem Ave #1 McKees Rocks, PA	2.0	1.0	1944	$745	$0.38	22d	1	0.71mi
135 Dunn St Mc Kees Rocks, PA	3.0	2.0	1600	$1,599	$1.00	21d	1	0.76mi
27 Rudolph St Mc Kees Rocks, PA	3.0	1.0	1084	$1,100	$1.01	3d	1	0.81mi
915 Woodward Ave Mc Kees Rocks, PA	3.0	1.0	1224	$1,399	$1.14	45d	1	0.81mi
933 Woodward Ave Unit NA McKees Rocks, PA	2.0	1.0	1100	$1,400	$1.27	21d	1	0.85mi
933 Woodward Ave Unit MC McKees Rocks, PA	2.0	1.0	1100	$1,400	$1.27	25d	1	0.85mi
802 13th St Unit 2 McKees Rocks, PA	2.0	1.0	1100	$920	$0.84	45d	1	1.00mi
29 E Prospect Ave Unit 2 Pittsburgh, PA	3.0	1.0	1200	$1,100	$0.92	45d	1	1.38mi
10 Leslie St Pittsburgh, PA	2.0	1.0	1200	$1,475	$1.23	45d	1	1.49mi

Listing history 16 events

1. 2026-06-21
   days on market $99,999 Active 25 DOM
2. 2026-06-18
   days on market $99,999 Active 22 DOM
3. 2026-06-17
   days on market $99,999 Active 21 DOM
4. 2026-06-16
   days on market $99,999 Active 20 DOM
5. 2026-06-15
   days on market $99,999 Active 19 DOM
6. 2026-06-13
   days on market $99,999 Active 17 DOM
7. 2026-06-09
   days on market $99,999 Active 13 DOM
8. 2026-06-08
   days on market $99,999 Active 12 DOM
9. 2026-06-07
   days on market $99,999 Active 11 DOM
10. 2026-06-05
    days on market $99,999 Active 8 DOM
11. 2026-06-03
    days on market $99,999 Active 7 DOM
12. 2026-06-02
    days on market $99,999 Active 6 DOM
13. 2026-06-01
    days on market $99,999 Active 5 DOM
14. 2026-05-31
    days on market $99,999 Active 4 DOM
15. 2026-05-12
    listed $99,999 Active 294-char remark
16. 2000-11-22
    soldstatus $58,092

ⓘ 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: $1,247 · $104/mo
• Projected year-2 tax: $1,414 · $118/mo
• Expected delta: +$166/yr (+$14/mo · 13.3%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,765
• − Mortgage interest: −$5,601
• − Property taxes: −$1,247
• − Insurance: −$1,166
• − Repairs & maintenance: −$1,421
• − Management: −$1,421
• − Depreciation: −$2,909
• Taxable income: $3,998
• Est. tax owed @ 24.0%: −$959
• After-tax cash flow: $4,368/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: Sto-Rox SD
• NCES district ID: 4222830
• Math proficiency: 4% ▼ -5.00%
• Reading proficiency: 18% ▼ -4.00%
• Median HH income: $30,268
• Composite: 8.51/100
• National rank: #9904
• State rank: #532 of 539 in PA

Livability — McKees Rocks

• Score: 82/100
• State rank: #143
• US rank: #1154

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKees Rocks, PA
• County: Allegheny County · 1,022,028 people
• City population: 22,623
• Metro: Pittsburgh, PA
• Population (ZIP): 22,623
• Household income: $69,099
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 768.0

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: Predominantly White (75%)
• Race & ethnicity: White 75% Black 18% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 10% Subsaharan African 3% Scotch-Irish 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 1% Other Indo-European 1%

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: ▼ -107.07%
• Current HPI: 244.6934
• Rent YoY: ▲ 13.12%
• Metro: Pittsburgh, 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

+72.1% since first listed

2 events — show timeline

• 2026-05-25 Listed $99,999 West Penn MLS
• 2000-11-22 Sold (Public Records) $58,092 Public Records

Property tax history

+9.5%/yr

Latest (2026): $1,247 · +4.1% YoY. Source: county tax records.