1409 Penn St · Huntingdon, PA 16652

$74,900

3 bd · 1.0 ba · 1,743 sqft · SingleFamily public records · 4 Days on market

7,405 sqft 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
• Schools +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Wonderful opportunity to bring your vision to life with this charming 2-story home located in a convenient uptown setting! Featuring great curb appeal and a well-maintained exterior, this property offers solid potential for homeowners or investors looking to add their own personal touch. Inside, the home is ready for some interior TLC and updating, making it the perfect chance to create the space you've always wanted. Situated on a spacious fenced double lot, there's plenty of room for outdoor entertaining, gardening, pets, or play. The large 2-car carport provides excellent covered parking and additional storage possibilities. With its desirable location, attractive exterior, and generous

Key facts

• Fenced double lot
• Outdoor entertaining
• 2 story home

Tags

• 2 STORY HOME
• FENCED DOUBLE LOT
• LARGE CARPORT
• OUTDOOR ENTERTAINING

Property features AI

Exterior

• Parking: Carport; Off-street parking; Driveway; Concrete parking surfaces; Open parking
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property; Located in the 4th Wd Hunt subdivision; Facing direction not specified
• Construction: Shingle roof
• Exterior features: Screened, covered patio/porch; Paved road access; Vinyl siding

Interior

• Kitchen: Other appliances
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water baseboard heating; No cooling
• Interior features: Eat-in kitchen; Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $459 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Cap rate 13.6% vs local median 3.6% in Huntingdon — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#1,050 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, amenities F, commute F.
• Huntingdon Area SD (town): math 32% / reading 47% proficiency, ranked #366 of 539 in PA (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Standing Stone El Sch (math 30% / reading 49%, grade F, #947 of 1,518 statewide, top 65%, 421 students, 62% FRL) — zoned schools average 62% FRL vs 41% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 73 active listings in the ZIP; 70 units permitted in Huntingdon County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $518 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Huntingdon County population projected at -14% 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 $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 8→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $74,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 1.70% ✓
• Cap rate: 13.65%
• Cash-on-cash: 26.26%
• DSCR: 2.17
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $179,529
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1222 Oneida St	0.29mi	3/1.5	1,743 (0%)	18mo	$194,000	$111	70
1135 Washington St	0.23mi	4/1.5 (+1)	1,600 (-8%)	1mo	$175,000	$109	68
1413 Mifflin St	0.13mi	3/1.0	1,482 (-15%)	1mo	$165,000	$111	68
516 Church St	0.70mi	3/1.0	1,772 (+2%)	0mo	$35,000	$20	65
1025 Washington St	0.32mi	4/2.0 (+1)	1,652 (-5%)	10mo	$30,000	$18	59
601 6th St	0.62mi	4/1.0 (+1)	1,778 (+2%)	5mo	$62,000	$35	59
710 7th St	0.53mi	3/1.5	1,600 (-8%)	5mo	$85,000	$53	55
1809 Penn St	0.34mi	4/2.5 (+1)	1,650 (-5%)	15mo	$180,000	$109	52
2221 Warm Springs Ave	0.66mi	3/2.0	1,800 (+3%)	10mo	$179,000	$99	52
510 5th St	0.72mi	3/1.5	1,547 (-11%)	1mo	$101,000	$65	44
2307 Shadyside Ave	0.72mi	3/1.5	1,600 (-8%)	9mo	$250,000	$156	43
805 Fifth St	0.66mi	3/1.5	1,512 (-13%)	7mo	$155,000	$103	39

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: 20.1%
• Equity multiple: 1.82×
• Total profit: $17,129
• Equity at exit: $11,168

10-year hold

• IRR: 28.3%
• Equity multiple: 3.51×
• Total profit: $52,698
• Equity at exit: $6,476

Cash invested: $20,972 (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 16652

• Home prices YoY: -21.5%
• Active inventory: 73
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,270 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$120 /mo · $1,441/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $459

Break-even live

Break-even rent $689

Max offer price $74,900

Occupancy floor 59%

Sensitivity live

Price	-10% $501	-5% $480	+0% $459	+5% $438	+10% $417
Rent	-10% $359	-5% $409	+0% $459	+5% $509	+10% $559
Rate	-1.0pp $497	-0.5pp $478	base $459	+0.5pp $440	+1.0pp $420

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-06-01
   status $74,900 Pending 4 DOM
2. 2026-05-31
   days on market $74,900 Active 4 DOM
3. 2026-05-30
   days on market $74,900 Active 3 DOM
4. 2026-05-27
   listed $74,900 Active

ⓘ 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: $1,441 · $120/mo
• Projected year-2 tax: $1,441 · $120/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 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,236
• − Mortgage interest: −$4,196
• − Property taxes: −$1,441
• − Insurance: −$374
• − Repairs & maintenance: −$1,219
• − Management: −$1,219
• − Depreciation: −$2,179
• Taxable income: $4,608
• Est. tax owed @ 24.0%: −$1,106
• After-tax cash flow: $4,401/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: Huntingdon Area SD
• NCES district ID: 4212090
• Math proficiency: 32% ▲ 1.00%
• Reading proficiency: 47% ▼ -4.00%
• Median HH income: $43,534
• Composite: 33.4/100
• National rank: #5478
• State rank: #366 of 539 in PA

Livability — Huntingdon

• Score: 66/100
• State rank: #1050
• US rank: #11779

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntingdon, PA
• Population (ZIP): 15,858

Population outlook (Huntingdon County) Hauer SSP2

• Today (2025): 44,212 people
• By 2030: 43,057 · -2.6%
• By 2040: 40,537 · -8.3%
• By 2050: 37,844 · -14.4%
• By 2075: 31,411 · -29.0%
• By 2100: 23,907 · -45.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 6% Black 5% Hispanic / Latino 2%
• Common ancestry: Romanian 3% Slovak 3% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · Huntingdon

• 2024 margin: Solid R (+52.9) · D 23.2% · R 76.1%
• 2008→2024 swing: -25.4pp toward R · 2008: -27.5pp · 2024: -52.9pp
• All cycles: 2024: R+52.9 2020: R+51.0 2016: R+50.7 2012: R+37.4 2008: R+27.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.10%
• Current HPI: 197.6958
• 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

1 event — show timeline

• 2026-05-27 Listed $74,900 HCBR

Property tax history

+3.4%/yr

Latest (2026): $1,441 · +4.0% YoY. Source: county tax records.