213 Laurel St · Northern Cambria, PA 15714

$50,000

3 bd · 1.0 ba · 1,075 sqft · SingleFamily · 211 Days on market

Built 1910 8,276 sqft lot $47/sqft · 24% below area Est $65k · 23% under

---

Why this score? — see what drove the A- 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
• Appreciation +7.1/10.0
• Schools +3.4/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

Key facts

• Oil forced heat
• Two-story home
• Public septic

Tags

• TWO-STORY HOME
• OIL FORCED HEAT
• PUBLIC WATER
• PUBLIC SEPTIC
• CLOSE TO ALL TOWN AMENITIES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $441 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $44k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#991 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment D-.
• Northern Cambria SD (town): math 32% / reading 48% proficiency, ranked #358 of 539 in PA (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 16 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($346 loan paydown + $2k appreciation (4.2% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.2% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 211 days — a 12% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 22y ago; this cycle's ask has dropped $25k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $25k; list at $50k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $44,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 211 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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.
8. 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.
9. 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: 2.17% ✓
• Cap rate: 18.21%
• Cash-on-cash: 42.58%
• DSCR: 2.89
• GRM: 3.8

CMA / ARV

• ARV (median comp): $65,356
• List price: $50,000
• Delta: -23.50%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1786 Empire Ave	0.23mi	4/1.0 (+1)	1,090 (+1%)	2mo	$69,900	$64	80
414 Juniper St	0.12mi	2/1.0 (-1)	1,192 (+11%)	18mo	$15,000	$13	56

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

Projected returns pro-forma

4.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 45.1%
• Equity multiple: 3.67×
• Total profit: $37,353
• Equity at exit: $25,858

10-year hold

• IRR: 43.8%
• Equity multiple: 7.43×
• Total profit: $89,959
• Equity at exit: $42,703

Cash invested: $14,000 (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 15714

• Home prices YoY: 5.0%
• Active inventory: 16
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $1,083 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$76 /mo · $907/yr
• Insurance: −$21
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$227
• Net cashflow: $441

Break-even live

Break-even rent $524

Max offer price $50,000

Occupancy floor 54%

Sensitivity live

Price	-10% $469	-5% $455	+0% $441	+5% $427	+10% $413
Rent	-10% $356	-5% $398	+0% $441	+5% $484	+10% $527
Rate	-1.0pp $466	-0.5pp $454	base $441	+0.5pp $428	+1.0pp $415

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: $12,500
• Closing costs: $1,500
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $50,000 Active 211 DOM
2. 2026-06-18
   days on market $50,000 Active 209 DOM
3. 2026-06-17
   days on market $50,000 Active 208 DOM
4. 2026-06-16
   days on market $50,000 Active 207 DOM
5. 2026-06-15
   days on market $50,000 Active 206 DOM
6. 2026-06-13
   days on market $50,000 Active 204 DOM
7. 2026-06-12
   days on market $50,000 Active 203 DOM
8. 2026-06-09
   days on market $50,000 Active 200 DOM
9. 2026-06-08
   days on market $50,000 Active 199 DOM
10. 2026-06-08
    days on market $50,000 Active 198 DOM
11. 2026-06-07
    days on market $50,000 Active 197 DOM
12. 2026-06-04
    days on market $50,000 Active 194 DOM
13. 2026-06-02
    days on market $50,000 Active 193 DOM
14. 2026-06-01
    days on market $50,000 Active 192 DOM
15. 2026-05-31
    days on market $50,000 Active 191 DOM
16. 2026-05-06
    price $50,000 161-char remark

    Show marketing remark (161 chars)

    This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

17. 2026-03-03
    price $55,000 161-char remark

    Show marketing remark (161 chars)

    This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

18. 2026-01-28
    price $65,000 161-char remark

    Show marketing remark (161 chars)

    This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

19. 2025-12-23
    price $70,000 161-char remark

    Show marketing remark (161 chars)

    This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

20. 2025-11-20
    listed $75,000 Active 161-char remark

    Show marketing remark (161 chars)

    This 3-Bedroom, 1 Bath Two-Story Home is located in Northern Cambria Borough, with Oil Forced Heat, Public Water and Public Septic. Close to All Town Amenities.

21. 2004-09-24
    soldstatus $25,000 20-char remark

    Show marketing remark (20 chars)

    nice large level lot

22. 2004-09-24
    soldstatus $25,000

    Show marketing remark (20 chars)

    nice large level lot

23. 2004-08-05
    listed $25,000 20-char remark

    Show marketing remark (20 chars)

    nice large level lot

24. 1996-09-01
    soldstatus $18,500
25. 1979-09-01
    soldstatus $25,000

ⓘ 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: $907 · $76/mo
• Projected year-2 tax: $907 · $76/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 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥92°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,993
• − Mortgage interest: −$2,801
• − Property taxes: −$907
• − Insurance: −$916
• − Repairs & maintenance: −$1,039
• − Management: −$1,039
• − Depreciation: −$1,455
• Taxable income: $4,835
• Est. tax owed @ 24.0%: −$1,160
• After-tax cash flow: $4,134/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: Northern Cambria SD
• NCES district ID: 4217610
• Math proficiency: 32% ▼ -6.00%
• Reading proficiency: 48% ▼ -11.00%
• Median HH income: $44,142
• Composite: 33.87/100
• National rank: #5350
• State rank: #358 of 539 in PA

Livability — Northern Cambria

• Score: 67/100
• State rank: #991
• US rank: #10925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Northern Cambria, PA
• Population (ZIP): 5,215

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 (97%)
• Race & ethnicity: White 97% Two or more races 2%
• Common ancestry: Romanian 9% Polish 3% Serbian 2%
• Foreign-born: 0%
• Languages at home: 95% English-only · German/W. Germanic 3% French/Haitian/Cajun 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: ▲ 4.17%
• Current HPI: 88.2969
• 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

+100.0% since first listed

10 events — show timeline

• 2026-05-06 Price Changed $50,000 West Penn MLS
• 2026-03-03 Price Changed $55,000 West Penn MLS
• 2026-01-28 Price Changed $65,000 West Penn MLS
• 2025-12-23 Price Changed $70,000 West Penn MLS
• 2025-11-20 Listed $75,000 West Penn MLS
• 2004-09-24 Sold (Public Records) $25,000 Public Records
• 2004-09-24 Sold (MLS) $25,000 AHARMLS
• 2004-08-05 Listed $25,000 AHARMLS
• 1996-09-01 Sold (Public Records) $18,500 Public Records
• 1979-09-01 Sold (Public Records) $25,000 Public Records

Property tax history

+1.6%/yr

Latest (2026): $907 · +0.0% YoY. Source: county tax records.