206 Mountain Penny Ln · Kimmel, PA 16625

$110,000

2 bd · 1.0 ba · 994 sqft · Manufactured public records · 171 Days on market

Built 1986 5.31 ac lot $111/sqft · 33% above area Est $73k · 50% over

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Why this score? — see what drove the C+ 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 +27.3/30.0
• DSCR +9.5/10.0
• Appreciation +7.1/10.0
• 1% rule +6.7/10.0
• Schools +3.8/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home! Private Remarks: All information and numbers are estimates and to be verified by buyer.

Key facts

• Private well
• Over 5 acres
• Storage shed

Tags

• OVER 5 ACRES
• PRIVATE WELL
• STORAGE SHED
• EAT-IN KITCHEN

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $110k.

Deal economics

• At list price, monthly cash flow is $320 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Claysburg-Kimmel SD (rural): math 37% / reading 53% proficiency, ranked #284 of 539 in PA (top 53%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 85 active listings in the ZIP; 54 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($761 loan paydown + $5k appreciation (4.2% local appreciation)).
• Bedford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.2% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 171 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago; this cycle's ask has dropped $45k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $65k; list at $110k implies a 69% gain — meaningful room to come down on a strong offer.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 171 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.17% ✓
• Cap rate: 9.78%
• Cash-on-cash: 12.45%
• DSCR: 1.55
• GRM: 7.1

CMA / ARV

• ARV (median comp): $73,454
• List price: $110,000
• Delta: 49.75%
• Verdict: OVERPRICED
• Comps: 3 within 2.0 mi

Projected returns pro-forma

4.2% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.9%
• Equity multiple: 2.32×
• Total profit: $40,709
• Equity at exit: $57,034

10-year hold

• IRR: 21.9%
• Equity multiple: 4.51×
• Total profit: $108,037
• Equity at exit: $94,306

Cash invested: $30,800 (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 16625

• Home prices YoY: 3.5%
• Active inventory: 85
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,289 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$76 /mo · $915/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $320

Break-even live

Break-even rent $885

Max offer price $110,000

Occupancy floor 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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-05-31
   days on marketlisting id $110,000 Active 171 DOM
2. 2026-05-21
   price $110,000 597-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

3. 2026-05-21
   price $110,000 509-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

4. 2026-03-10
   status Active 597-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

5. 2026-03-10
   status Active 509-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

6. 2026-02-22
   status Pending 597-char remark

   Show marketing remark (597 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home! Private Remarks: All information and numbers are estimates and to be verified by buyer.

7. 2026-02-11
   status Pending 509-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

8. 2026-01-22
   status Active 509-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

9. 2026-01-12
   status Pending 509-char remark

   Show marketing remark (509 chars)

   Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

10. 2025-12-05
    price $135,000 597-char remark

    Show marketing remark (509 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

11. 2025-12-05
    price $135,000 509-char remark

    Show marketing remark (509 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

12. 2025-11-13
    price $143,000 597-char remark

    Show marketing remark (509 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

13. 2025-11-13
    price $143,000 509-char remark

    Show marketing remark (509 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home!

14. 2025-11-05
    listed $155,000 Active 509-char remark

    Show marketing remark (597 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home! Private Remarks: All information and numbers are estimates and to be verified by buyer.

15. 2025-11-05
    listed $155,000 Active 597-char remark

    Show marketing remark (597 chars)

    Tired of home searching?? Welcome to your Home Sweet Home at 206 Mountain Penny Lane! This well-maintained singlewide sits on over 5 acres and features 2 spacious bedrooms, 1 bathroom, and generous living spaces, including a cozy living room and an eat-in kitchen. Also, a large garage and storage shed for all your outdoor gear. With plenty of land to make your own and a private well and septic, this property has it all. Schedule your showing today and get ready to celebrate the Holidays in your new home! Private Remarks: All information and numbers are estimates and to be verified by buyer.

16. 2019-06-20
    soldstatus $65,000
17. 2019-06-19
    soldstatus $65,000
18. 2018-12-17
    listed $65,000
19. 1993-07-01
    soldstatus $15,000
20. 1979-09-01
    soldstatus $10,000

ⓘ 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: $915 · $76/mo
• Projected year-2 tax: $1,326 · $111/mo
• Expected delta: +$412/yr (+$34/mo · 45.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 6 d/yr ≥94°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,471
• − Mortgage interest: −$6,162
• − Property taxes: −$915
• − Insurance: −$550
• − Repairs & maintenance: −$1,238
• − Management: −$1,238
• − Depreciation: −$3,200
• Taxable income: $2,170
• Est. tax owed @ 24.0%: −$521
• After-tax cash flow: $3,315/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: Claysburg-Kimmel SD
• NCES district ID: 4206120
• Math proficiency: 37% ▬ 0.00%
• Reading proficiency: 53% ▼ -6.00%
• Median HH income: $40,568
• Composite: 37.68/100
• National rank: #4365
• State rank: #284 of 539 in PA

Livability — Kimmel

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

Census & demographics

• Population (ZIP): 3,551

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 45,395 people
• By 2030: 43,353 · -4.5%
• By 2040: 38,858 · -14.4%
• By 2050: 34,162 · -24.7%
• By 2075: 24,868 · -45.2%
• By 2100: 16,910 · -62.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 1%
• Common ancestry: Serbian 6% Slovak 1% Lithuanian 1%
• Foreign-born: 0%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+68.6) · D 15.4% · R 84.0%
• 2008→2024 swing: -23.8pp toward R · 2008: -44.8pp · 2024: -68.6pp
• All cycles: 2024: R+68.6 2020: R+67.7 2016: R+67.4 2012: R+54.9 2008: R+44.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.20%
• Current HPI: 122.9552
• 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

+1000.0% since first listed

19 events — show timeline

• 2026-05-21 Price Changed $110,000 BRIGHT MLS
• 2026-05-21 Price Changed $110,000 AHARMLS
• 2026-03-10 Relisted — BRIGHT MLS
• 2026-03-10 Relisted — AHARMLS
• 2026-02-22 Pending — BRIGHT MLS
• 2026-02-11 Pending — AHARMLS
• 2026-01-22 Relisted — AHARMLS
• 2026-01-12 Pending — AHARMLS
• 2025-12-05 Price Changed $135,000 BRIGHT MLS
• 2025-12-05 Price Changed $135,000 AHARMLS
• 2025-11-13 Price Changed $143,000 BRIGHT MLS
• 2025-11-13 Price Changed $143,000 AHARMLS
• 2025-11-05 Listed $155,000 AHARMLS
• 2025-11-05 Listed $155,000 BRIGHT MLS
• 2019-06-20 Sold (Public Records) $65,000 Public Records
• 2019-06-19 Sold (MLS) $65,000 AHARMLS
• 2018-12-17 Listed $65,000 AHARMLS
• 1993-07-01 Sold (Public Records) $15,000 Public Records
• 1979-09-01 Sold (Public Records) $10,000 Public Records

Property tax history

+2.0%/yr

Latest (2026): $915 · +7.7% YoY. Source: county tax records.