233 Hereford Ln · Westwood, PA 15905

$99,900

3 bd · 1.0 ba · 1,264 sqft · SingleFamily · 3 Days on market

Built 1950 7,841 sqft lot $79/sqft · 9% below area Est $110k · 9% 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 +28.1/30.0
• ARV discount +11.6/15.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move in ready 3 Bedroom, 1 Bath vinyl sided ranch in Lower Yoder Township! Interior painted & new flooring installed throughout the home in March 2021. Spacious 12' x 25' Living Room. Eat-in Kitchen with plenty of cabinet space and built-in oven & cooktop. Laundry Room off Kitchen with utility sink. Heated Sunroom off of the Laundry Room with access to the backyard. Updated Bathroom with oak vanity. Replacement windows throughout. Pull down attic storage. Fenced in backyard with shed. Sewer compliant. Call today to tour!

Key facts

• New furnace
• New front door
• New electric cooktop

Tags

• CENTRAL AIR
• NEW WINDOWS
• NEW FRONT DOOR
• NEW FURNACE
• NEW ELECTRICAL PANEL
• NEW ELECTRIC COOKTOP

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Sewer available
• Home design: Single-family residence; Residential property; One story
• Construction: Vinyl siding; Shingle roof
• Exterior features: Enclosed patio; Rectangular lot; City street frontage; Publicly maintained road

Interior

• Kitchen: Oven; Refrigerator
• Flooring: Carpet; Laminate; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central air conditioning; Forced-air heating (electric and natural gas)
• Interior features: Eat-in kitchen; High-speed internet available; Built-in features; Master bedroom on main level; Double-pane windows
• Laundry & utility: Main-level laundry with sink

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $315 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).

Location & tenants

• Location reads 63/100 on livability (#1,263 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+; Watch: amenities F, commute F, employment D-.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Greater Johnstown El Sch (math 14% / reading 21%, grade F, #1,291 of 1,518 statewide, top 85%, 1,269 students, 100% FRL); Greater Johnstown Ms (math 6% / reading 24%, grade F, #471 of 512 statewide, top 93%, 660 students, 100% FRL); Greater Johnstown Shs (math 8% / reading 32%, grade F, #387 of 437 statewide, top 89%, 894 students, 98% FRL) — zoned schools average 100% FRL vs 80% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 93 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

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.
• Cambria County population projected at -28% 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 $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

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

Recommended offer $99,900

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 10.08%
• Cash-on-cash: 13.53%
• DSCR: 1.60
• GRM: 6.7

CMA / ARV

• ARV (median comp): $109,978
• List price: $99,900
• Delta: -9.16%
• 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
233 Hereford Ln	0.00mi	3/1.0	1,264 (0%)	0mo	$110,000	$87	100
232 Hereford Ln	0.03mi	3/1.0	1,292 (+2%)	7mo	$118,000	$91	90
224 Hereford Ln	0.03mi	4/2.0 (+1)	1,274 (+1%)	12mo	$135,000	$106	78
229 Sherwood Dr	0.06mi	3/1.0	1,200 (-5%)	22mo	$104,500	$87	71
245 Hereford Ln	0.03mi	2/1.0 (-1)	1,224 (-3%)	22mo	$97,000	$79	70
249 Sherwood Dr	0.08mi	3/2.0	1,400 (+11%)	11mo	$205,000	$146	65
1444 Mary Dr	0.61mi	3/1.5	1,240 (-2%)	3mo	$160,000	$129	64
1413 Goucher St	0.70mi	3/1.5	1,242 (-2%)	5mo	$107,500	$87	58
286 Sherwood Dr	0.14mi	2/1.5 (-1)	1,379 (+9%)	23mo	$125,000	$91	53
236 Furnari Ave	0.45mi	3/1.0	1,408 (+11%)	20mo	$144,000	$102	43
819 Thermal Ave	0.68mi	3/1.5	1,161 (-8%)	16mo	$135,000	$116	40
827 Sunset Ave	0.75mi	2/2.0 (-1)	1,152 (-9%)	8mo	$110,000	$95	34

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: 3.6%
• Equity multiple: 1.14×
• Total profit: $3,900
• Equity at exit: $14,895

10-year hold

• IRR: 13.1%
• Equity multiple: 2.05×
• Total profit: $29,276
• 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 15905

• Home prices YoY: -31.1%
• Active inventory: 93
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,244 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$102 /mo · $1,225/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $315

Break-even live

Break-even rent $845

Max offer price $99,900

Occupancy floor 70%

Sensitivity live

Price	-10% $372	-5% $344	+0% $315	+5% $287	+10% $259
Rent	-10% $217	-5% $266	+0% $315	+5% $364	+10% $414
Rate	-1.0pp $366	-0.5pp $341	base $315	+0.5pp $289	+1.0pp $263

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 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
212-214 Palliser St Johnstown, PA	3.0	1.0	1400	$1,150	$0.82	26d	1	1.05mi

Listing history 6 events

1. 2026-05-10
   status Pending 1157-char remark
2. 2026-05-06
   listed $99,900 Active 1157-char remark
3. 2021-04-30
   soldstatus $72,000 538-char remark

   Show marketing remark (538 chars)

   Move in ready 3 Bedroom, 1 Bath vinyl sided ranch in Lower Yoder Township! Interior painted & new flooring installed throughout the home in March 2021. Spacious 12' x 25' Living Room. Eat-in Kitchen with plenty of cabinet space and built-in oven & cooktop. Laundry Room off Kitchen with utility sink. Heated Sunroom off of the Laundry Room with access to the backyard. Updated Bathroom with oak vanity. Replacement windows throughout. Pull down attic storage. Fenced in backyard with shed. Sewer compliant. Call today to tour!

4. 2021-04-30
   soldstatus $72,000

   Show marketing remark (538 chars)

   Move in ready 3 Bedroom, 1 Bath vinyl sided ranch in Lower Yoder Township! Interior painted & new flooring installed throughout the home in March 2021. Spacious 12' x 25' Living Room. Eat-in Kitchen with plenty of cabinet space and built-in oven & cooktop. Laundry Room off Kitchen with utility sink. Heated Sunroom off of the Laundry Room with access to the backyard. Updated Bathroom with oak vanity. Replacement windows throughout. Pull down attic storage. Fenced in backyard with shed. Sewer compliant. Call today to tour!

5. 2014-09-22
   soldstatus $30,500

   Show marketing remark (467 chars)

   Easy one floor living near shopping and bus transportation. Vinyl sided 3 Bedroom Ranch with fenced rear yard. Updated Bathroom with oak vanity. Nice size eat-in Kitchen with plenty of cabinets - refrigerator included. Laundry Room w/ utility sink includes the dryer. 12' x 25' Living Room. Rear heated Sunroom provides access to patio and nice back yard with shed. Roof replaced in 2008. Furnace replaced in 2005. Replacement vinyl windows. Pull down attic storage.

6. 2014-09-17
   soldstatus $30,500

ⓘ 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: $1,225 · $102/mo
• Projected year-2 tax: $1,402 · $117/mo
• Expected delta: +$177/yr (+$15/mo · 14.4%)

ⓘ 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 ≥96°F today · 17 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: $14,931
• − Mortgage interest: −$5,596
• − Property taxes: −$1,225
• − Insurance: −$500
• − Repairs & maintenance: −$1,194
• − Management: −$1,194
• − Depreciation: −$2,906
• Taxable income: $2,315
• Est. tax owed @ 24.0%: −$556
• After-tax cash flow: $3,228/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Westwood

• Score: 63/100
• State rank: #1263
• US rank: #15213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Westwood, PA
• County: Cambria County · 30,791 people
• Metro: Johnstown, PA
• Population (ZIP): 19,329
• Household income: $69,212
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 359.0

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 3% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 7% Scotch-Irish 1% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.18%
• Current HPI: 142.5218
• Rent YoY: —
• Metro: Johnstown, 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

+260.7% since first listed

7 events — show timeline

• 2026-06-12 Sold (MLS) $110,000 CSMLS
• 2026-05-10 Pending — CSMLS
• 2026-05-06 Listed $99,900 CSMLS
• 2021-04-30 Sold (Public Records) $72,000 Public Records
• 2021-04-30 Sold (MLS) $72,000 CSMLS
• 2014-09-22 Sold (MLS) $30,500 CSMLS
• 2014-09-17 Sold (Public Records) $30,500 Public Records

Property tax history

+0.6%/yr

Latest (2026): $1,225 · +0.0% YoY. Source: county tax records.