1409 Cambria Ave · Windber, PA 15963

$74,900

3 bd · 0.5 ba · 1,920 sqft · SingleFamily public records · 74 Days on market

Built 1900 5,998 sqft lot $39/sqft · 43% below area Est $132k · 43% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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 MLS

Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

Key facts

• 5,998 sq ft lot
• Garage
• Built 1900

What this means for you Summary

Snapshot

• This is a 3-bed/0.5-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $548 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $70k (6.0% 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.
• Zoned schools: Windber El Sch (math 45% / reading 60%, grade C-, #578 of 1,518 statewide, top 38%, 620 students, 56% FRL); Windber Area Ms (math 32% / reading 63%, grade C-, #156 of 512 statewide, top 32%, 255 students, 60% FRL); Windber Area Hs (math 87% / reading 50%, grade B, #58 of 437 statewide, top 13%, 332 students, 32% FRL).
• Market conditions: 46 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 $518 of loan paydown is wiped out by about $2k 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 $21k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 26y ago; this cycle's ask has dropped $25k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $70,406 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — 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 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?
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: 1.91% ✓
• Cap rate: 15.07%
• Cash-on-cash: 31.33%
• DSCR: 2.39
• GRM: 4.4

CMA / ARV

• ARV (median comp): $132,480
• List price: $74,900
• Delta: -43.46%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1406 Somerset Ave	0.10mi	3/2.0	1,972 (+3%)	2mo	$130,000	$66	84
1111 Cambria Ave	0.19mi	4/1.5 (+1)	1,987 (+4%)	8mo	$146,000	$73	70
1407 Cambria Ave	0.01mi	3/2.0	1,760 (-8%)	12mo	$92,500	$53	69
309 12th St	0.33mi	4/2.0 (+1)	1,794 (-7%)	2mo	$30,000	$17	61
312 12th St	0.31mi	3/2.5	1,883 (-2%)	17mo	$130,000	$69	61
608 22nd St	0.47mi	3/1.0	1,874 (-2%)	22mo	$121,000	$65	54
302 6th St	0.64mi	3/2.0	1,776 (-8%)	7mo	$159,900	$90	46
2208 Graham Ave	0.54mi	3/2.5	1,729 (-10%)	6mo	$164,900	$95	45
1912 Baumgardner Ave	0.56mi	3/1.5	1,732 (-10%)	14mo	$180,500	$104	42
401 8th St	0.51mi	3/1.5	1,644 (-14%)	11mo	$165,000	$100	38

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: 26.2%
• Equity multiple: 2.09×
• Total profit: $22,802
• Equity at exit: $11,168

10-year hold

• IRR: 33.9%
• Equity multiple: 4.10×
• Total profit: $65,015
• 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 15963

• Home prices YoY: -24.4%
• Active inventory: 46
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,431 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$159 /mo · $1,905/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $548

Break-even live

Break-even rent $738

Max offer price $74,900

Occupancy floor 57%

Sensitivity live

Price	-10% $590	-5% $569	+0% $548	+5% $526	+10% $505
Rent	-10% $435	-5% $491	+0% $548	+5% $604	+10% $661
Rate	-1.0pp $585	-0.5pp $567	base $548	+0.5pp $528	+1.0pp $508

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 17 events

1. 2026-06-04
   days on market $74,900 Active 74 DOM
2. 2026-06-02
   days on market $74,900 Active 73 DOM
3. 2026-06-01
   days on market $74,900 Active 72 DOM
4. 2026-05-31
   days on market $74,900 Active 71 DOM
5. 2026-05-15
   price $74,900 1832-char remark

   Show marketing remark (1832 chars)

   Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

6. 2026-04-30
   price $84,900 1832-char remark

   Show marketing remark (1832 chars)

   Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

7. 2026-04-09
   price $89,900 1832-char remark

   Show marketing remark (1832 chars)

   Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

8. 2026-04-03
   price $99,800 1832-char remark

   Show marketing remark (1832 chars)

   Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

9. 2026-03-21
   listed $99,900 Active 1832-char remark

   Show marketing remark (1832 chars)

   Step into timeless, stately Victorian home, brimming with character & charm! From the moment you arrive, the inviting covered front porch sets the tone for the warmth & space found throughout. Inside, you’ll find expansive room sizes, original hardwood fl's, & a truly impressive living room featuring fireplace, built-in shelving & classic French doors that lead to a versatile 1st ff laundry/flex space. The living area flows seamlessly into the dining room w/ a sliding doors opening to a back patio—perfect for entertaining—overlooking a relatively level, partially fenced yard & detached garage. Kitchen offers an abundance of cabinet/counter space, ready for your farmhouse-chic vision & personal finishing touches. The powder room showcases an exposed brick accent wall, adding to the home’s appeal completing the main level. Upstairs, 3 large BRs provide plenty of personal space & each offers loads of individual storage & closet space. The spacious full bath features a clawfoot tub & double vanity. Walk up 3rd floor spans the entire footprint of the home & presents a blank canvas—ideal for creating an incredible primary suite, studio, or additional living space down the line. The lower level has a french drain, sump pump, and a well-maintained oil steam boiler tuned up in March 2026 with a brand-new thermostat offering peace of mind. Additional plumbing rough ins are already in place for a potential home-based business, such as a beauty shop. Located in the quaint town of Windber, this home is within walking distance to local shops, pubs, grocery store, Arcadia theater and the park. Bring your imagination and restore this beautiful Victorian to its full glory—an exceptional opportunity to make it truly your own.

10. 2024-10-09
    listed $139,900 Active
11. 2011-09-07
    soldstatus $115,500
12. 2011-08-31
    soldstatus $115,500
13. 2011-07-25
    listed $119,900
14. 2007-03-30
    soldstatus $93,500
15. 2001-03-05
    soldstatus $63,500
16. 2001-03-01
    soldstatus $63,500
17. 2000-12-04
    listed $69,900

ⓘ 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: $1,905 · $159/mo
• Projected year-2 tax: $1,905 · $159/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 7 d/yr ≥91°F today · 18 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: $17,170
• − Mortgage interest: −$4,196
• − Property taxes: −$1,905
• − Insurance: −$374
• − Repairs & maintenance: −$1,374
• − Management: −$1,374
• − Depreciation: −$2,179
• Taxable income: $5,769
• Est. tax owed @ 24.0%: −$1,384
• After-tax cash flow: $5,187/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

+7.2% since first listed

13 events — show timeline

• 2026-05-15 Price Changed $74,900 West Penn MLS
• 2026-04-30 Price Changed $84,900 West Penn MLS
• 2026-04-09 Price Changed $89,900 West Penn MLS
• 2026-04-03 Price Changed $99,800 West Penn MLS
• 2026-03-21 Listed $99,900 West Penn MLS
• 2024-10-09 Listed $139,900 CSMLS
• 2011-09-07 Sold (Public Records) $115,500 Public Records
• 2011-08-31 Sold (MLS) $115,500 CSMLS
• 2011-07-25 Listed $119,900 CSMLS
• 2007-03-30 Sold (Public Records) $93,500 Public Records
• 2001-03-05 Sold (MLS) $63,500 CSMLS
• 2001-03-01 Sold (Public Records) $63,500 Public Records
• 2000-12-04 Listed $69,900 CSMLS

Property tax history

+4.6%/yr

Latest (2026): $1,905 · +4.8% YoY. Source: county tax records.