318 Dersam St · Port Vue, PA 15133

$95,000

3 bd · 1.0 ba · 1,197 sqft · SingleFamily public records · 49 Days on market

Built 1950 7,161 sqft lot $79/sqft · at area comps Est $100k · at est.

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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 +28.7/30.0
• DSCR +10.0/10.0
• ARV discount +9.6/15.0
• 1% rule +7.5/10.0
• Appreciation +7.3/10.0
• Livability +3.7/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

GREAT HOME-GREAT PRICE-COULD BE 2 BEDROOM WITH LARGE FAMILY ROOM OR 3 BDS. BEAUTIFULLY REMODELED BATHROOM, LARGE BACK YARD.

Key facts

• 7,161 sq ft lot
• Built 1950
• Listed 49 days

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer
• Home design: Single-story; Frame construction; Asphalt roof
• Construction: Frame construction; Asphalt roof
• Exterior features: 67' x 79' (lot dimensions)

Interior

• Kitchen: Stove; Refrigerator; Some gas appliances
• Bedrooms: Main-level bedroom (10 x 12); Main-level bedroom (13 x 12); Main-level bedroom (17 x 14)
• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: Vinyl flooring; Resale condition
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $317 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#545 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D+, amenities F, commute F.
• South Allegheny SD (suburban): math 23% / reading 44% proficiency, ranked #430 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 39 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($657 loan paydown + $4k appreciation (4.5% local appreciation)).
• At projected returns (4.5% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 49 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y 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 $26k; list at $95k implies a 265% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $92,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 49 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.25% ✓
• Cap rate: 10.30%
• Cash-on-cash: 14.31%
• DSCR: 1.64
• GRM: 6.6

CMA / ARV

• ARV (median comp): $99,743
• List price: $95,000
• Delta: -4.76%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1347 Coronado	0.11mi	3/2.0	1,164 (-3%)	8mo	$110,000	$95	79
1620 Gray St	0.26mi	2/1.0 (-1)	1,128 (-6%)	8mo	$82,500	$73	67
1436 Huber St	0.14mi	3/2.0	1,308 (+9%)	9mo	$209,000	$160	66
1110 Portsmouth Dr	0.62mi	3/1.5	1,230 (+3%)	1mo	$194,500	$158	64
1325 New York Ave	0.24mi	3/2.0	1,330 (+11%)	13mo	$120,000	$90	55
1717 Myer Ave	0.30mi	2/1.0 (-1)	1,314 (+10%)	13mo	$126,750	$96	54
1213 Mcclelland Dr	0.40mi	3/2.0	1,330 (+11%)	10mo	$125,000	$94	51
1023 Bellair Rd	0.53mi	3/2.0	1,085 (-9%)	10mo	$165,000	$152	48
411 Archer St	0.70mi	3/1.0	1,120 (-6%)	12mo	$65,139	$58	47
505 Manning Ave	0.62mi	2/2.0 (-1)	1,072 (-10%)	3mo	$168,000	$157	42
1434 Washington Blvd	0.56mi	3/2.0	1,053 (-12%)	10mo	$153,500	$146	41
502 Archer St	0.70mi	2/1.0 (-1)	1,024 (-14%)	5mo	$53,000	$52	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.52% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.2%
• Equity multiple: 2.49×
• Total profit: $39,524
• Equity at exit: $51,103

10-year hold

• IRR: 23.8%
• Equity multiple: 4.88×
• Total profit: $103,315
• Equity at exit: $86,016

Cash invested: $26,600 (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 15133

• Home prices YoY: 2.1%
• Active inventory: 39
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,191 high
• Mortgage (P&I): −$498
• Tax from tax record: −$86 /mo · $1,028/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $317

Break-even live

Break-even rent $789

Max offer price $95,000

Occupancy floor 68%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
306 Laredo St McKeesport, PA	2.0	1.0	928	$995	$1.07	44d	1	0.15mi
1805 Gray St McKeesport, PA	3.0	1.0	1136	$1,600	$1.41	2d	1	0.37mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	0.67mi
308 Marie St Glassport, PA	2.0	1.0	850	$925	$1.09	17d	1	0.96mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	12d	3	0.97mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	14d	1	0.97mi
311 Harrison St Glassport, PA	4.0	1.0	1200	$1,500	$1.25	44d	1	0.99mi
311-313 24th St McKeesport, PA	2.0	1.0	950	$900	$0.95	44d	1	1.07mi
733 Memory Ln McKeesport, PA	2.0	1.0	850	$1,200	$1.41	24d	1	1.18mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	1.32mi
526 Ohio Ave Unit 3 Glassport, PA	2.0	1.0	800	$900	$1.12	44d	1	1.38mi
2918 Walnut St Apt 3 McKeesport, PA	2.0	1.0	800	$850	$1.06	44d	1	1.39mi
6 4th St Dravosburg, PA	2.0	1.0	1250	$1,350	$1.08	24d	1	1.41mi
642 Ohio Ave Unit 1 Glassport, PA	2.0	1.0	700	$1,200	$1.71	44d	1	1.47mi
1506 Freemont St McKeesport, PA	3.0	2.0	1250	$1,295	$1.04	24d	1	1.49mi

Listing history 21 events

1. 2026-06-18
   days on market $95,000 Active 49 DOM
2. 2026-06-17
   days on market $95,000 Active 48 DOM
3. 2026-06-16
   days on market $95,000 Active 47 DOM
4. 2026-06-15
   days on market $95,000 Active 46 DOM
5. 2026-06-13
   days on market $95,000 Active 44 DOM
6. 2026-06-13
   days on market $95,000 Active 43 DOM
7. 2026-06-09
   days on market $95,000 Active 40 DOM
8. 2026-06-08
   days on market $95,000 Active 39 DOM
9. 2026-06-07
   days on market $95,000 Active 38 DOM
10. 2026-06-05
    days on market $95,000 Active 35 DOM
11. 2026-06-03
    days on market $95,000 Active 34 DOM
12. 2026-06-02
    days on market $95,000 Active 33 DOM
13. 2026-06-01
    days on market $95,000 Active 32 DOM
14. 2026-05-31
    days on market $95,000 Active 31 DOM
15. 2026-04-30
    listed $95,000 Active 400-char remark
16. 2013-01-25
    soldstatus $26,000
17. 2013-01-14
    soldstatus $26,000 123-char remark

    Show marketing remark (123 chars)

    GREAT HOME-GREAT PRICE-COULD BE 2 BEDROOM WITH LARGE FAMILY ROOM OR 3 BDS. BEAUTIFULLY REMODELED BATHROOM, LARGE BACK YARD.

18. 2013-01-14
    price $35,000 123-char remark

    Show marketing remark (123 chars)

    GREAT HOME-GREAT PRICE-COULD BE 2 BEDROOM WITH LARGE FAMILY ROOM OR 3 BDS. BEAUTIFULLY REMODELED BATHROOM, LARGE BACK YARD.

19. 2012-12-03
    listed $26,000 123-char remark

    Show marketing remark (123 chars)

    GREAT HOME-GREAT PRICE-COULD BE 2 BEDROOM WITH LARGE FAMILY ROOM OR 3 BDS. BEAUTIFULLY REMODELED BATHROOM, LARGE BACK YARD.

20. 1991-12-17
    soldstatus $25,900
21. 1978-12-31
    soldstatus $26,900

ⓘ 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: $1,028 · $86/mo
• Projected year-2 tax: $1,265 · $105/mo
• Expected delta: +$236/yr (+$20/mo · 23.0%)

ⓘ 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 7 d/yr ≥97°F today · 17 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: $14,288
• − Mortgage interest: −$5,321
• − Property taxes: −$1,028
• − Insurance: −$475
• − Repairs & maintenance: −$1,143
• − Management: −$1,143
• − Depreciation: −$2,764
• Taxable income: $2,413
• Est. tax owed @ 24.0%: −$579
• After-tax cash flow: $3,226/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: South Allegheny SD
• NCES district ID: 4221910
• Math proficiency: 23% ▼ -10.00%
• Reading proficiency: 44% ▼ -13.00%
• Median HH income: $40,891
• Composite: 28.15/100
• National rank: #6815
• State rank: #430 of 539 in PA

Livability — Port Vue

• Score: 73/100
• State rank: #545
• US rank: #5090

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Vue, PA
• County: Allegheny County · 1,022,028 people
• Metro: Pittsburgh, PA
• Population (ZIP): 6,112
• Household income: $65,938
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 94.0

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: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 7% Black 4% Hispanic / Latino 3%
• Common ancestry: Romanian 10% Slovene 2% Italian 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Other Indo-European 1%

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: ▲ 4.52%
• Current HPI: 214.5922
• 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

+253.2% since first listed

7 events — show timeline

• 2026-04-30 Listed $95,000 West Penn MLS
• 2013-01-25 Sold (Public Records) $26,000 Public Records
• 2013-01-14 Price Changed $35,000 West Penn MLS
• 2013-01-14 Sold (MLS) $26,000 West Penn MLS
• 2012-12-03 Listed $26,000 West Penn MLS
• 1991-12-17 Sold (Public Records) $25,900 Public Records
• 1978-12-31 Sold (Public Records) $26,900 Public Records

Property tax history

-3.3%/yr

Latest (2026): $1,028 · +6.0% YoY. Source: county tax records.