107 E 1st Ave · Tarentum, PA 15084

$99,900

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 2 Days on market

Built 1890 1,359 sqft lot Est $96k · 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 +29.8/30.0
• DSCR +10.0/10.0
• 1% rule +8.1/10.0
• ARV discount +5.5/15.0
• Appreciation +5.2/10.0
• Livability +4.0/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

General Information Are the Listing Images Digitally Altered/Staged?: No Pool: No Insulation: Remarks Welcome home to 107 E 1st Ave. ! Don't, miss the chance to make this inviting property your new home sweet home! Convenient to Route 28, shopping, & restaurants!

Key facts

• Water views
• Scenic river views
• 1,359 sq ft lot

Tags

• SCENIC RIVER VIEWS
• EASY ACCESS TO RIVERFRONT
• WATER VIEWS

Property features AI

Finance

• Financial info: Assessed value listed; Annual property tax listed

Exterior

• Utilities: Public water; Public sewer
• Home design: 2-story residence
• Construction: Built previously (year not provided)
• Exterior features: Water access

Interior

• Bathrooms: 1 full bathroom
• Interior features: Resale property; Has a view

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 $312 ($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 79/100 on livability (#240 in PA, #2,066 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools C-, amenities F, employment F.
• Highlands SD (suburban): math 29% / reading 48% proficiency, ranked #376 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 39 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($691 loan paydown + $453 appreciation (0.5% local appreciation)).
• At projected returns (0.5% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 16y 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 $36k; list at $100k implies a 176% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,900

Questions for the listing agent

1. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.31% ✓
• Cap rate: 10.70%
• Cash-on-cash: 15.75%
• DSCR: 1.70
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $95,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 E 1st Ave	0.00mi	3/1.0	1,040 (0%)	7mo	$36,166	$35	94
112 W 13th Ave	0.54mi	3/2.0	1,080 (+4%)	3mo	$47,500	$44	62
1107 Constitution St	0.59mi	2/1.5 (-1)	1,122 (+8%)	1mo	$152,000	$135	51
333 1/2 W 11th Ave	0.56mi	3/1.0	1,008 (-3%)	23mo	$98,000	$97	50
266 Kentucky Dr	0.65mi	3/1.0	1,080 (+4%)	17mo	$174,500	$162	49
805 Ormond St	0.60mi	2/1.0 (-1)	1,056 (+2%)	22mo	$59,000	$56	46
612 Roup St	0.58mi	2/1.0 (-1)	1,140 (+10%)	8mo	$31,000	$27	45
923 Fentzel	0.62mi	2/1.5 (-1)	976 (-6%)	11mo	$110,000	$113	44
807 Hazlett Ave	0.71mi	2/1.0 (-1)	1,136 (+9%)	6mo	$15,000	$13	41
617 E 8th Ave	0.56mi	3/1.0	1,160 (+12%)	16mo	$68,000	$59	41
606 E 8th Ave	0.54mi	2/1.0 (-1)	1,146 (+10%)	19mo	$105,000	$92	37
524 W 9th Ave	0.70mi	2/1.0 (-1)	896 (-14%)	21mo	$96,000	$107	22

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

Projected returns pro-forma

0.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.9%
• Equity multiple: 1.68×
• Total profit: $19,118
• Equity at exit: $31,295

10-year hold

• IRR: 18.0%
• Equity multiple: 3.07×
• Total profit: $57,949
• Equity at exit: $39,495

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 15084

• Home prices YoY: 0.2%
• Active inventory: 39
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,307 high
• Mortgage (P&I): −$524
• Tax from tax record: −$100 /mo · $1,200/yr
• Insurance: −$42
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $312

Break-even live

Break-even rent $913

Max offer price $99,900

Occupancy floor 71%

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
875 1st Ave Brackenridge, PA	3.0	2.0	1440	$1,399	$0.97	14d	1	0.85mi
300 Craigdell Rd New Kensington, PA	3.0	2.0	1300	$1,130	$0.87	1d	1	1.02mi
1067 Cleveland Ave Brackenridge, PA	3.0	1.0	1096	$1,500	$1.37	43d	1	1.15mi
1067 Cleveland Ave Brackenridge, PA	3.0	1.0	1096	$1,350	$1.23	1d	1	1.15mi
1079 9th Ave Brackenridge, PA	2.0	1.0	1352	$1,095	$0.81	1d	1	1.22mi

Listing history 3 events

1. 2026-06-18
   days on market $99,900 Active 2 DOM
2. 2026-06-17
   remarks 693-char remark
3. 2026-06-17
   listed $99,900 Active 1 DOM

ⓘ 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: $1,200 · $100/mo
• Projected year-2 tax: $1,389 · $116/mo
• Expected delta: +$189/yr (+$16/mo · 15.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (shaded) · 79% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥97°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,687
• − Mortgage interest: −$5,596
• − Property taxes: −$1,200
• − Insurance: −$1,166
• − Repairs & maintenance: −$1,255
• − Management: −$1,255
• − Depreciation: −$2,906
• Taxable income: $2,309
• Est. tax owed @ 24.0%: −$554
• After-tax cash flow: $3,186/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: Highlands SD
• NCES district ID: 4211880
• Math proficiency: 29% ▼ -9.00%
• Reading proficiency: 48% ▼ -9.00%
• Median HH income: $43,730
• Composite: 32.58/100
• National rank: #5679
• State rank: #376 of 539 in PA

Livability — Tarentum

• Score: 79/100
• State rank: #240
• US rank: #2066

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tarentum, PA
• Population (ZIP): 9,884

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 (92%)
• Race & ethnicity: White 92% Two or more races 4% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 14% Lithuanian 2% Serbian 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · French/Haitian/Cajun 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: ▲ 0.45%
• Current HPI: 230.7532
• 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

+189.6% since first listed

23 events — show timeline

• 2026-06-16 Listed $99,900 West Penn MLS
• 2025-11-07 Sold (MLS) $36,166 West Penn MLS
• 2025-09-09 Pending — West Penn MLS
• 2025-07-08 Contingent — West Penn MLS
• 2025-06-01 Listed $57,000 West Penn MLS
• 2025-05-31 Delisted — West Penn MLS
• 2024-12-10 Listed $57,000 West Penn MLS
• 2024-11-29 Delisted — West Penn MLS
• 2024-08-19 Price Changed $57,000 West Penn MLS
• 2024-05-01 Price Changed $73,000 West Penn MLS
• 2024-01-16 Price Changed $73,900 West Penn MLS
• 2023-11-30 Listed $78,900 West Penn MLS
• 2021-06-29 Sold (MLS) $48,000 West Penn MLS
• 2021-04-03 Contingent — West Penn MLS
• 2021-03-03 Price Changed $52,000 West Penn MLS
• 2020-11-12 Price Changed $54,500 West Penn MLS
• 2020-10-15 Price Changed $55,000 West Penn MLS
• 2020-09-18 Price Changed $57,000 West Penn MLS
• 2020-08-31 Listed $59,900 West Penn MLS
• 2010-07-02 Sold (Public Records) $34,500 Public Records
• 2010-06-24 Sold (MLS) $34,500 West Penn MLS
• 2010-06-24 Price Changed $42,500 West Penn MLS
• 2010-04-10 Listed $34,500 West Penn MLS

Property tax history

+6.7%/yr

Latest (2026): $1,200 · -1.3% YoY. Source: county tax records.