913 Somerset Ave · Windber, PA 15963

$45,000

4 bd · 1.0 ba · 1,724 sqft · SingleFamily public records · 15 Days on market

Built 1920 7,492 sqft lot

---

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 +4.4/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Handy? This spacious 4 to 5 bedroom with 2 baths home has a large living room with gas fireplace, formal dining room with a pellet stove, replacement windows and a new shingle roof. This home currently has gas wall heaters and a gas fireplace plus a pellet stove. The oil hot water boiler is not in working order. Its worth a look!!

Key facts

• Formal dining room
• Gas fireplace
• Large living room

Tags

• LARGE LIVING ROOM
• GAS FIREPLACE
• FORMAL DINING ROOM
• PELLET STOVE
• REPLACEMENT WINDOWS
• NEW SHINGLE ROOF

Property features AI

Finance

• Other: Property type: Residential Single Family Residence; Zoned residential

Exterior

• Parking: Off-street parking; On-street parking
• Utilities: Public water; Public sewer; Sewer available; Cable available
• Home design: Residential single-family home; Two levels / 2 stories
• Construction: Vinyl siding
• Exterior features: Covered porch; Partial fencing; Corner lot; Rectangular lot; Public maintained road frontage on a city street; Shingle roof

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: Master bedroom on main level
• Flooring: Laminate; Vinyl; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Ceiling fan(s); Hot water heating; Radiant heating; Natural gas heating; Oil heating; Has cooling
• Interior features: Eat-in kitchen; High speed internet; Master bedroom on main level; Double pane windows; Has fireplace (2 total)
• Laundry & utility: Washer and dryer; Laundry in basement; Unfinished basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $700 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $45k).
• Recommended offer: $44k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#606 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: employment D, crime F, amenities F.
• Windber Area SD (suburban): math 45% / reading 60% proficiency, ranked #166 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 45 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $311 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Somerset County population projected at -21% 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 $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($44k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 4.6% of price; built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $44,325 (1.5% below list)

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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.
7. 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.
8. 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: 3.17% ✓
• Cap rate: 24.97%
• Cash-on-cash: 66.69%
• DSCR: 3.97
• GRM: 2.6

CMA / ARV

• ARV (on-the-fly): $155,160
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
309 12th St	0.24mi	4/2.0	1,794 (+4%)	2mo	$30,000	$17	76
401 8th St	0.22mi	3/1.5 (-1)	1,644 (-5%)	11mo	$165,000	$100	66
302 6th St	0.33mi	3/2.0 (-1)	1,776 (+3%)	7mo	$159,900	$90	65
306 11th St	0.23mi	3/1.0 (-1)	1,614 (-6%)	12mo	$55,000	$34	63
1407 Cambria Ave	0.31mi	3/2.0 (-1)	1,760 (+2%)	12mo	$92,500	$53	62
1210 Somerset Ave	0.17mi	3/2.0 (-1)	1,500 (-13%)	2mo	$128,000	$85	60
201 7th St	0.36mi	4/2.0	1,598 (-7%)	11mo	$148,000	$93	58
210 10th St	0.26mi	3/1.0 (-1)	1,536 (-11%)	13mo	$140,000	$91	54
1406 Somerset Ave	0.31mi	3/2.0 (-1)	1,972 (+14%)	2mo	$130,000	$66	51
307 Cambria Ave	0.43mi	3/2.0 (-1)	1,536 (-11%)	4mo	$205,000	$133	50
312 12th St	0.24mi	3/2.5 (-1)	1,883 (+9%)	17mo	$130,000	$69	48
1912 Baumgardner Ave	0.73mi	3/1.5 (-1)	1,732 (+0%)	14mo	$180,500	$104	47

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: 66.1%
• Equity multiple: 3.97×
• Total profit: $37,399
• Equity at exit: $6,710

10-year hold

• IRR: 70.3%
• Equity multiple: 8.17×
• Total profit: $90,370
• Equity at exit: $3,891

Cash invested: $12,600 (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 15963

• Home prices YoY: -24.4%
• Active inventory: 45
• Price-to-rent: 2.6×

Monthly cashflow live

• Estimated rent: $1,426 medium
• Mortgage (P&I): −$236
• Tax from tax record: −$172 /mo · $2,060/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $700

Break-even live

Break-even rent $540

Max offer price $45,000

Occupancy floor 46%

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-18
   days on market $45,000 Active 15 DOM
2. 2026-06-17
   days on market $45,000 Active 14 DOM
3. 2026-06-16
   days on market $45,000 Active 13 DOM
4. 2026-06-15
   days on market $45,000 Active 12 DOM
5. 2026-06-13
   days on market $45,000 Active 10 DOM
6. 2026-06-12
   days on market $45,000 Active 9 DOM
7. 2026-06-09
   days on market $45,000 Active 6 DOM
8. 2026-06-08
   days on market $45,000 Active 5 DOM
9. 2026-06-08
   days on market $45,000 Active 4 DOM
10. 2026-06-07
    days on market $45,000 Active 3 DOM
11. 2026-06-04
    remarks 332-char remark
12. 2026-06-04
    listed $45,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $2,060 · $172/mo
• Projected year-2 tax: $2,060 · $172/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 3/10 Moderate 8 d/yr ≥91°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,114
• − Mortgage interest: −$2,521
• − Property taxes: −$2,060
• − Insurance: −$225
• − Repairs & maintenance: −$1,369
• − Management: −$1,369
• − Depreciation: −$1,309
• Taxable income: $8,261
• Est. tax owed @ 24.0%: −$1,983
• After-tax cash flow: $6,420/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: Windber Area SD
• NCES district ID: 4226610
• Math proficiency: 45% ▼ -14.00%
• Reading proficiency: 60% ▼ -13.00%
• Median HH income: $36,802
• Composite: 43.54/100
• National rank: #2985
• State rank: #166 of 539 in PA

Livability — Windber

• Score: 72/100
• State rank: #606
• US rank: #5843

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Windber, PA
• Population (ZIP): 10,383

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Hispanic / Latino 3% Two or more races 2%
• Common ancestry: Romanian 17% Slovak 3% Iranian 3%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.99%
• Current HPI: 142.2017
• 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

• 2026-06-02 Listed $45,000 CSMLS

Property tax history

+4.6%/yr

Latest (2026): $2,060 · +4.8% YoY. Source: county tax records.