1810 Tony St · New Castle, PA 16101

$99,900

4 bd · 1.0 ba · 1,016 sqft · SingleFamily public records · 263 Days on market

Built 1910 9,583 sqft lot Est $88k · 13% over

---

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
• DSCR +10.0/10.0
• 1% rule +9.3/10.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• ARV discount +1.6/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 1810 Tony Street, a charming 4-bedroom, 1-bath home located in the Shenango area within the Shenango School District. This property features a brand new roof and is situated on a flat yard with a cozy front porch that backs up to serene woods, offering a peaceful setting. Inside, the home boasts a cozy kitchen and an addition off the back with great potential for finishing touches. With a bit of TLC, this house could be an excellent rental opportunity or a comfortable place to call home.

Key facts

• New kitchen
• Flex space
• Full basement

Tags

• NEW KITCHEN
• FLEX SPACE
• FULL BASEMENT
• PRIVATE WOODED BACKYARD

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Gas available for heating
• Home design: Two-story frame house; Resale property
• Construction: Frame construction; Asphalt roof
• Exterior features: Off-street parking

Interior

• Kitchen: Kitchen on main level
• Bedrooms: Three bedrooms (two located on the upper level)
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Gas heating
• Interior features: Basement with interior entry; 7 total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $497 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.3% vs local median 8.9% in New Castle — 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 82/100 on livability (#137 in PA, #1,120 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, cost of living A+; Watch: amenities F, employment F.
• Shenango Area SD (town): math 36% / reading 61% proficiency, ranked #207 of 539 in PA (top 38%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Shenango El Sch (math 39% / reading 63%, grade C-, #636 of 1,518 statewide, top 42%, 528 students, 100% FRL); Shenango Hs (math 34% / reading 57%, grade D-, #188 of 437 statewide, top 43%, 468 students, 43% FRL) — zoned schools average 71% FRL vs 27% district-wide (44 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+20.1%/yr); 118 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 51 units permitted in Lawrence County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($51k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lawrence County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 263 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago; this cycle's ask has dropped $19k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $23k; list at $100k implies a 336% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 263 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.43% ✓
• Cap rate: 12.26%
• Cash-on-cash: 21.32%
• DSCR: 1.95
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $88,392
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2001 Tony St	0.09mi	3/2.0 (-1)	1,002 (-1%)	8mo	$140,000	$140	77
746 Castle St	0.24mi	3/1.0 (-1)	1,066 (+5%)	2mo	$169,900	$159	74
1602 National St	0.35mi	3/1.0 (-1)	962 (-5%)	9mo	$48,000	$50	62
223 E Morehead Ave	0.51mi	3/1.0 (-1)	1,064 (+5%)	3mo	$12,500	$12	61
1417 Randolph St	0.43mi	3/1.0 (-1)	888 (-13%)	1mo	$78,326	$88	54
702 Arlington Ave	0.41mi	3/1.0 (-1)	1,100 (+8%)	13mo	$75,500	$69	51
706 E Long Ave	0.47mi	3/1.5 (-1)	935 (-8%)	10mo	$65,000	$70	50
916 Temple Ave	0.63mi	3/1.0 (-1)	904 (-11%)	1mo	$80,000	$88	46
939 Warren Ave	0.71mi	3/1.0 (-1)	1,123 (+10%)	1mo	$135,000	$120	44
827 Morton St	0.71mi	3/1.0 (-1)	1,123 (+10%)	0mo	$40,000	$36	44
1613 E Washington St	0.57mi	3/1.0 (-1)	1,152 (+13%)	10mo	$90,000	$78	38
919 Hazel St	0.63mi	3/1.0 (-1)	1,144 (+13%)	14mo	$100,000	$87	33

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 19.1%
• Equity multiple: 1.82×
• Total profit: $22,991
• Equity at exit: $14,895

10-year hold

• IRR: 30.6%
• Equity multiple: 4.40×
• Total profit: $95,027
• Equity at exit: $8,638

Cash invested: $27,972 (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 16101

• Home prices YoY: -26.3%
• Rents YoY: 20.1%
• Active inventory: 118
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,426 high
• Mortgage (P&I): −$524
• Tax from tax record: −$64 /mo · $770/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $497

Break-even live

Break-even rent $797

Max offer price $99,900

Occupancy floor 60%

Sensitivity live

Price	-10% $554	-5% $525	+0% $497	+5% $469	+10% $441
Rent	-10% $384	-5% $441	+0% $497	+5% $553	+10% $610
Rate	-1.0pp $547	-0.5pp $522	base $497	+0.5pp $471	+1.0pp $445

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
712 E Reynolds St New Castle, PA	3.0	1.0	1182	$975	$0.82	45d	1	0.53mi
1605 S Jefferson St New Castle, PA	3.0	1.0	1500	$1,500	$1.00	45d	1	0.72mi
932 Morton St New Castle, PA	3.0	1.0	1440	$1,375	$0.95	45d	1	0.86mi
1056 Adams St New Castle, PA	3.0	1.0	1116	$1,500	$1.34	45d	1	0.94mi
1708 Moravia St New Castle, PA	3.0	2.0	1500	$1,500	$1.00	45d	1	0.95mi

Listing history 14 events

1. 2026-06-02
   status $99,900 Pending 263 DOM
2. 2026-06-01
   days on market $99,900 Contingent 263 DOM
3. 2026-05-31
   days on market $99,900 Contingent 262 DOM
4. 2026-05-30
   days on market $99,900 Contingent 261 DOM
5. 2026-03-29
   historical Contingent
6. 2026-03-19
   status Active
7. 2026-02-15
   historical Contingent
8. 2025-10-29
   price $99,900
9. 2025-09-29
   price $109,500
10. 2025-09-11
    listed $119,000 Active
11. 2024-08-20
    price $75,000 503-char remark

    Show marketing remark (503 chars)

    Welcome to 1810 Tony Street, a charming 4-bedroom, 1-bath home located in the Shenango area within the Shenango School District. This property features a brand new roof and is situated on a flat yard with a cozy front porch that backs up to serene woods, offering a peaceful setting. Inside, the home boasts a cozy kitchen and an addition off the back with great potential for finishing touches. With a bit of TLC, this house could be an excellent rental opportunity or a comfortable place to call home.

12. 2024-08-08
    price $84,000 503-char remark

    Show marketing remark (503 chars)

    Welcome to 1810 Tony Street, a charming 4-bedroom, 1-bath home located in the Shenango area within the Shenango School District. This property features a brand new roof and is situated on a flat yard with a cozy front porch that backs up to serene woods, offering a peaceful setting. Inside, the home boasts a cozy kitchen and an addition off the back with great potential for finishing touches. With a bit of TLC, this house could be an excellent rental opportunity or a comfortable place to call home.

13. 2024-07-15
    listed $99,000 Active 503-char remark

    Show marketing remark (503 chars)

    Welcome to 1810 Tony Street, a charming 4-bedroom, 1-bath home located in the Shenango area within the Shenango School District. This property features a brand new roof and is situated on a flat yard with a cozy front porch that backs up to serene woods, offering a peaceful setting. Inside, the home boasts a cozy kitchen and an addition off the back with great potential for finishing touches. With a bit of TLC, this house could be an excellent rental opportunity or a comfortable place to call home.

14. 1996-12-20
    soldstatus $22,900

ⓘ 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: $770 · $64/mo
• Projected year-2 tax: $1,174 · $98/mo
• Expected delta: +$404/yr (+$34/mo · 52.4%)

ⓘ 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 ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,115
• − Mortgage interest: −$5,596
• − Property taxes: −$770
• − Insurance: −$500
• − Repairs & maintenance: −$1,369
• − Management: −$1,369
• − Depreciation: −$2,906
• Taxable income: $4,605
• Est. tax owed @ 24.0%: −$1,105
• After-tax cash flow: $4,859/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: Shenango Area SD
• NCES district ID: 4221510
• Math proficiency: 36% ▼ -15.00%
• Reading proficiency: 61% ▼ -10.00%
• Median HH income: $50,353
• Composite: 41.47/100
• National rank: #3463
• State rank: #207 of 539 in PA

Livability — New Castle

• Score: 82/100
• State rank: #137
• US rank: #1120

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lawrence County · 30,767 people
• City population: 30,767
• Metro: New Castle, PA
• Population (ZIP): 30,767
• Household income: $51,128
• Rent vs Own: 30.6% rent · 69.4% own
• Severe rent burden: 1047.0

Population outlook (Lawrence County) Hauer SSP2

• Today (2025): 81,781 people
• By 2030: 77,978 · -4.7%
• By 2040: 69,522 · -15.0%
• By 2050: 61,344 · -25.0%
• By 2075: 45,027 · -44.9%
• By 2100: 31,305 · -61.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Two or more races 8% Black 7% Hispanic / Latino 3%
• Common ancestry: Romanian 7% Serbian 3% Iranian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Lawrence

• 2024 margin: Solid R (+33.8) · D 32.8% · R 66.5%
• 2008→2024 swing: -28.7pp toward R · 2008: -5.1pp · 2024: -33.8pp
• All cycles: 2024: R+33.8 2020: R+29.6 2016: R+28.1 2012: R+9.0 2008: R+5.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -56.77%
• Current HPI: 159.3091
• Rent YoY: ▲ 20.05%
• Metro: New Castle, 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

+336.2% since first listed

10 events — show timeline

• 2026-03-29 Contingent — West Penn MLS
• 2026-03-19 Relisted — West Penn MLS
• 2026-02-15 Contingent — West Penn MLS
• 2025-10-29 Price Changed $99,900 West Penn MLS
• 2025-09-29 Price Changed $109,500 West Penn MLS
• 2025-09-11 Listed $119,000 West Penn MLS
• 2024-08-20 Price Changed $75,000 West Penn MLS
• 2024-08-08 Price Changed $84,000 West Penn MLS
• 2024-07-15 Listed $99,000 West Penn MLS
• 1996-12-20 Sold (Public Records) $22,900 Public Records

Property tax history

+2.3%/yr

Latest (2026): $770 · +0.0% YoY. Source: county tax records.