714 Union Ave · McKeesport, PA 15132

$66,000

4 bd · 1.0 ba · 2,145 sqft · SingleFamily public records · 99 Days on market

Built 1902 3,881 sqft lot $31/sqft · 52% above area

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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
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

Key facts

• Large covered porch
• Detached garage
• 3,881 sq ft lot

Tags

• DETACHED GARAGE
• LARGE COVERED PORCH

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $66k.

Deal economics

• At list price, monthly cash flow is $658 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $66k).
• Recommended offer: $60k (9.0% below list) — sets the bar for market timing.
• Cap rate 18.2% vs local median 10.2% in McKeesport — 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 (#1,089 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D, crime F.
• Mckeesport Area SD (suburban): math 11% / reading 28% proficiency, ranked #499 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 115 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• At $1,526/mo this rent would consume 52% of the median local household income ($35k/yr) (locally 1239% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $456 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 $18k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($60k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 9y ago; this cycle's ask has dropped $44k (40%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $7k; list at $66k implies a 824% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.2% of price; built in 1902 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $60,060 (9.0% below list)

Questions for the listing agent

1. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1902 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 2.31% ✓
• Cap rate: 18.25%
• Cash-on-cash: 42.70%
• DSCR: 2.90
• GRM: 3.6

CMA / ARV

• ARV (median comp): $43,408
• List price: $66,000
• Delta: 52.05%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1411 Manor Ave	0.32mi	5/2.0 (+1)	2,144 (-0%)	22mo	$145,000	$68	58
1409 Carnegie Ave	0.22mi	4/1.5	2,352 (+10%)	21mo	$72,000	$31	54
1409 Centennial St	0.42mi	5/3.5 (+1)	2,285 (+6%)	7mo	$170,000	$74	49
1703 Coursin St	0.41mi	3/2.0 (-1)	1,874 (-13%)	6mo	$55,000	$29	45
1809 Coursin St	0.51mi	4/3.0	1,916 (-11%)	11mo	$212,000	$111	41
1703 Bailie Ave	0.42mi	3/2.0 (-1)	1,980 (-8%)	22mo	$13,500	$7	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 39.5%
• Equity multiple: 2.69×
• Total profit: $31,262
• Equity at exit: $9,841

10-year hold

• IRR: 45.9%
• Equity multiple: 5.41×
• Total profit: $81,469
• Equity at exit: $5,706

Cash invested: $18,480 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 115
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $1,526 high
• Mortgage (P&I): −$346
• Tax from tax record: −$174 /mo · $2,093/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $658

Break-even live

Break-even rent $694

Max offer price $66,000

Occupancy floor 52%

Sensitivity live

Price	-10% $695	-5% $676	+0% $658	+5% $639	+10% $620
Rent	-10% $537	-5% $597	+0% $658	+5% $718	+10% $778
Rate	-1.0pp $691	-0.5pp $674	base $658	+0.5pp $640	+1.0pp $623

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: $16,500
• Closing costs: $1,980
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	15d	1	0.20mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	0.52mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	0.57mi
2807 Beaver St McKeesport, PA	4.0	2.0	1700	$1,200	$0.71	44d	1	0.81mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	44d	1	0.87mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	44d	1	0.97mi
2408 McCarrell St McKeesport, PA	4.0	1.0	1430	$1,195	$0.84	24d	1	1.21mi
2311 Grandview Ave McKeesport, PA	4.0	2.0	2550	$1,250	$0.49	18d	1	1.35mi
3211 Walnut St McKeesport, PA	4.0	1.0	1434	$1,500	$1.05	8d	1	1.45mi

Listing history 28 events

1. 2026-06-09
   days on market $66,000 Active 99 DOM
2. 2026-06-08
   days on market $66,000 Active 98 DOM
3. 2026-06-07
   days on market $66,000 Active 97 DOM
4. 2026-06-03
   days on market $66,000 Active 93 DOM
5. 2026-06-02
   days on market $66,000 Active 92 DOM
6. 2026-06-01
   days on market $66,000 Active 91 DOM
7. 2026-05-31
   days on market $66,000 Active 90 DOM
8. 2026-05-11
   price $66,000 395-char remark

   Show marketing remark (395 chars)

   Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

9. 2026-05-01
   price $67,000 395-char remark

   Show marketing remark (395 chars)

   Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

10. 2026-04-25
    price $70,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

11. 2026-04-13
    price $75,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

12. 2026-04-09
    price $85,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

13. 2026-04-03
    price $88,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

14. 2026-03-23
    price $89,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

15. 2026-03-15
    price $94,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

16. 2026-03-09
    price $94,500 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

17. 2026-03-04
    price $95,000 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

18. 2026-03-02
    listed $110,000 Active 395-char remark

    Show marketing remark (395 chars)

    Welcome to 714 Union Ave! This is a very spacious home offering 4 bds with plenty of living space. This includes a 4-car detached garage for off-street parking and storage as well. You can enjoy the upcoming spring and summer months on your large covered porch. This would make a great home for anyone looking to buy, or a great investment for anyone looking to add to their portfolio this year.

19. 2023-11-02
    status Active 57-char remark

    Show marketing remark (57 chars)

    Nice Investment property in McKeesport. Currently rented.

20. 2023-07-16
    status Pending 57-char remark

    Show marketing remark (57 chars)

    Nice Investment property in McKeesport. Currently rented.

21. 2023-05-23
    price $95,000 57-char remark

    Show marketing remark (57 chars)

    Nice Investment property in McKeesport. Currently rented.

22. 2023-04-25
    listed $80,000 Active 57-char remark

    Show marketing remark (57 chars)

    Nice Investment property in McKeesport. Currently rented.

23. 2017-06-02
    soldstatus $7,140 Sold
24. 2017-03-15
    status Under Contract
25. 2017-02-14
    status Active
26. 2017-01-27
    historical Withdrawn
27. 2017-01-12
    listed $5,200 Active
28. 2004-09-13
    soldstatus $29,000

ⓘ 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: $2,093 · $174/mo
• Projected year-2 tax: $2,093 · $174/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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,312
• − Mortgage interest: −$3,697
• − Property taxes: −$2,093
• − Insurance: −$330
• − Repairs & maintenance: −$1,465
• − Management: −$1,465
• − Depreciation: −$1,920
• Taxable income: $7,342
• Est. tax owed @ 24.0%: −$1,762
• After-tax cash flow: $6,128/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: Mckeesport Area SD
• NCES district ID: 4214940
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 28% ▼ -10.00%
• Median HH income: $33,779
• Composite: 15.88/100
• National rank: #9257
• State rank: #499 of 539 in PA

Livability — McKeesport

• Score: 66/100
• State rank: #1089
• US rank: #12321

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKeesport, PA
• County: Allegheny County · 1,022,028 people
• City population: 25,010
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• 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

+127.6% since first listed

21 events — show timeline

• 2026-05-11 Price Changed $66,000 West Penn MLS
• 2026-05-01 Price Changed $67,000 West Penn MLS
• 2026-04-25 Price Changed $70,000 West Penn MLS
• 2026-04-13 Price Changed $75,000 West Penn MLS
• 2026-04-09 Price Changed $85,000 West Penn MLS
• 2026-04-03 Price Changed $88,000 West Penn MLS
• 2026-03-23 Price Changed $89,000 West Penn MLS
• 2026-03-15 Price Changed $94,000 West Penn MLS
• 2026-03-09 Price Changed $94,500 West Penn MLS
• 2026-03-04 Price Changed $95,000 West Penn MLS
• 2026-03-02 Listed $110,000 West Penn MLS
• 2023-11-02 Relisted — West Penn MLS
• 2023-07-16 Pending — West Penn MLS
• 2023-05-23 Price Changed $95,000 West Penn MLS
• 2023-04-25 Listed $80,000 West Penn MLS
• 2017-06-02 Sold (MLS) $7,140 West Penn MLS
• 2017-03-15 Pending — West Penn MLS
• 2017-02-14 Relisted — West Penn MLS
• 2017-01-27 Delisted — West Penn MLS
• 2017-01-12 Listed $5,200 West Penn MLS
• 2004-09-13 Sold (Public Records) $29,000 Public Records

Property tax history

+6.2%/yr

Latest (2026): $2,093 · +0.0% YoY. Source: county tax records.