225 Country Ridge Dr · North Codorus, PA 17408

$70,000

2 bd · 2.0 ba · 924 sqft · SingleFamily · 10 Days on market

Built 1985 Fair condition Est $105k · 34% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.8/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 225 Country Ridge Dr! This well maintained 2 bed, 2 bath home makes one floor, senior living a dream. New carpet and vinyl plank flooring gives this house a modern. Lot rent includes snow removal from main roads, water, sewer and trash. The enclosed all season room with new windows makes this house easy to call home. Schedule your showing today. You won't want to miss this one!

Key facts

• Furnace replaced
• Level lot
• New range hood

Tags

• NEW ROOF
• FURNACE REPLACED
• CENTRAL AIR REPLACED
• WASHER DRYER REPLACED
• NEW RANGE HOOD
• LEVEL LOT

Property features AI

Finance

• HOA & community: Senior community with a 55+ age requirement; Ground rent $575 per month

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer
• Home design: Detached home; Single-story living (main-level bedrooms and baths implied); Ownership includes ground rent (monthly payment)
• Construction: Vinyl siding; Crawl space foundation; Above-grade and below-grade structures noted; Year built reported by assessor
• Exterior features: Not in a federal flood zone; Tidal water: none

Interior

• Bedrooms: Two bedrooms located on the main level
• Bathrooms: Two full bathrooms (both on the main level)
• Heating & cooling: Forced air heating (oil fuel); Central air conditioning (electric)
• Interior features: No basement; Living area reported by assessor

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $70k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $692 ($8k/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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Spring Grove Area SD (suburban): math 45% / reading 65% proficiency, ranked #98 of 539 in PA (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 146 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 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 $484 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 3y ago 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 $55k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,000

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 2.13% ✓
• Cap rate: 18.15%
• Cash-on-cash: 42.36%
• DSCR: 2.88
• GRM: 3.9

CMA / ARV

• ARV (on-the-fly): $105,336
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
225 Country Ridge Dr	0.00mi	2/2.0	924 (0%)	19mo	$55,000	$60	84
140 Rustique Dr	0.27mi	2/2.0	832 (-10%)	3mo	$94,900	$114	69
1483 Seven Valleys Rd	0.49mi	2/1.0	956 (+4%)	1mo	$238,700	$250	66
129 Rustique Dr	0.21mi	2/2.0	980 (+6%)	21mo	$65,650	$67	62
1484 Clayoma Ave	0.46mi	2/1.0	1,010 (+9%)	1mo	$250,000	$248	58
112 Rustique Dr	0.31mi	2/2.0	1,008 (+9%)	21mo	$64,900	$64	53

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: 39.1%
• Equity multiple: 2.67×
• Total profit: $32,742
• Equity at exit: $10,437

10-year hold

• IRR: 45.5%
• Equity multiple: 5.35×
• Total profit: $85,341
• 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 17408

• Home prices YoY: -26.6%
• Active inventory: 146
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,488 medium
• Mortgage (P&I): −$367
• Tax est. 1.5%: −$88 /mo · $1,050/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $692

Break-even live

Break-even rent $612

Max offer price $70,000

Occupancy floor 49%

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: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3906 Tunnel Hill Rd York, PA	2.0	1.0	1100	$1,595	$1.45	13d	15	0.41mi
3533 Messersmith Rd Seven Valleys, PA	1.0–2.0	1.0	725	$1,295	$1.79	13d	1	0.43mi
1480 Seven Valleys Rd Unit 3 York, PA	2.0	1.0	850	$1,399	$1.65	43d	1	0.52mi

Listing history 9 events

1. 2026-06-18
   days on market $70,000 Active 10 DOM
2. 2026-06-17
   days on market $70,000 Active 9 DOM
3. 2026-06-16
   days on market $70,000 Active 8 DOM
4. 2026-06-15
   days on market $70,000 Active 7 DOM
5. 2026-06-14
   days on market $70,000 Active 5 DOM
6. 2026-06-13
   days on market $70,000 Active 4 DOM
7. 2026-06-10
   days on market $70,000 Active 2 DOM
8. 2026-06-09
   remarks 699-char remark
9. 2026-06-09
   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.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 12% 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: $17,857
• − Mortgage interest: −$3,921
• − Property taxes: −$1,050
• − Insurance: −$350
• − Repairs & maintenance: −$1,429
• − Management: −$1,429
• − Depreciation: −$2,036
• Taxable income: $7,642
• Est. tax owed @ 24.0%: −$1,834
• After-tax cash flow: $6,468/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

This home requires moderate renovations to modernize the kitchen and bathrooms, and replace old windows. It has a good roof and foundation, but the interior needs significant updates to increase its value.

Repairs flagged

• Major kitchen cabinets — severely outdated and worn
• Major bathroom fixtures — small and outdated
• Major windows — old, single-pane windows

Value-add opportunities

• Resale new kitchen cabinets and appliances — modernizing the kitchen would significantly increase its appeal
• Resale new bathroom fixtures — upgrading the bathrooms would make the home more attractive
• Resale new windows — new windows would improve energy efficiency and curb appeal

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · severely outdated and worn	Major	$15,000–50,000
bathroom fixtures · small and outdated	Major	$15,000–50,000
windows · old, single-pane windows	Major	$15,000–50,000
Total estimated repair cost · 3 items		$45,000–150,000

Value-add ROI direction

• Resale new kitchen cabinets and appliances — modernizing the kitchen would significantly increase its appeal ↑
• Resale new bathroom fixtures — upgrading the bathrooms would make the home more attractive ↑
• Resale new windows — new windows would improve energy efficiency and curb appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Spring Grove Area SD
• NCES district ID: 4222590
• Math proficiency: 45% ▼ -14.00%
• Reading proficiency: 65% ▼ -9.00%
• Median HH income: $64,950
• Composite: 48.28/100
• National rank: #2155
• State rank: #98 of 539 in PA

Livability — North Codorus

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: York County · 278,806 people
• Metro: York-Hanover, PA
• Population (ZIP): 25,431
• Household income: $94,565
• Rent vs Own: 25.9% rent · 74.1% own
• Severe rent burden: 435.0

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 (78%)
• Race & ethnicity: White 78% Hispanic / Latino 8% Two or more races 6% Black 5% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6%
• Common ancestry: Romanian 2% Slovak 2% Italian 1%
• Foreign-born: 5% · Canada, Vietnam
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 2% Vietnamese 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: ▼ -86.74%
• Current HPI: 239.5179
• Rent YoY: —
• Metro: York-Hanover, 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

+7.9% since first listed

17 events — show timeline

• 2026-06-08 Listed $70,000 BRIGHT MLS
• 2024-11-22 Sold (MLS) $55,000 BRIGHT MLS
• 2024-10-19 Pending — BRIGHT MLS
• 2024-09-11 Price Changed $59,999 BRIGHT MLS
• 2024-08-13 Relisted — BRIGHT MLS
• 2024-08-09 Pending — BRIGHT MLS
• 2024-07-31 Relisted — BRIGHT MLS
• 2024-07-07 Pending — BRIGHT MLS
• 2024-06-21 Listed $65,000 BRIGHT MLS
• 2024-06-19 Coming Soon $65,000 BRIGHT MLS
• 2024-05-16 Listing Removed — BRIGHT MLS
• 2024-05-01 Price Changed $67,900 BRIGHT MLS
• 2024-02-23 Listed $69,900 BRIGHT MLS
• 2023-10-24 Listing Removed — BRIGHT MLS
• 2023-10-13 Contingent — BRIGHT MLS
• 2023-09-30 Listed $64,900 BRIGHT MLS
• 2023-09-29 Coming Soon — BRIGHT MLS