811 Lime St · Monongahela, PA 15063

$80,000

2 bd · 1.5 ba · 1,526 sqft · SingleFamily public records · 34 Days on market

Built 1926 5,000 sqft lot $52/sqft · 19% below area Est $134k · 40% under

---

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 +26.1/30.0
• ARV discount +15.0/15.0
• DSCR +8.8/10.0
• 1% rule +8.4/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 2-bedroom, 1.5-bath home in Monongahela, surrounded by peaceful wooded views and plenty of space to enjoy the outdoors. Inside, you’ll find a spacious kitchen and a comfortable living room, offering a great layout for everyday living or entertaining. A perfect opportunity for those seeking a quiet setting with room to relax.

Key facts

• Spacious kitchen
• Wooded views
• Quiet setting

Tags

• WOODED VIEWS
• SPACIOUS KITCHEN
• COMFORTABLE LIVING ROOM
• QUIET SETTING

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: 2-story frame residence; Resale property; Composition roof
• Construction: Frame construction; Composition roof
• Exterior features: Public transportation nearby

Interior

• Kitchen: Cooktop; Stove; Dishwasher; Refrigerator
• Bedrooms: Bedroom on upper level (12 x 8)
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Electric baseboard heating; Wall unit cooling
• Interior features: Multi-pane windows with screens and window treatments; Entry/foyer; Dining room; Living room; Bonus room
• Laundry & utility: Main level laundry; Washer; Dryer; Some gas appliances

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $147 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 6.9% in Monongahela — 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 72/100 on livability (#629 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety D+, amenities F.
• Ringgold SD (suburban): math 19% / reading 36% proficiency, ranked #452 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 66 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 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 $26k; list at $80k implies a 214% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.9% of price; flood insurance adds $56/mo; built in 1926 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,600 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.34% ✓
• Cap rate: 9.33%
• Cash-on-cash: 10.84%
• DSCR: 1.48
• GRM: 6.2

CMA / ARV

• ARV (median comp): $134,246
• List price: $80,000
• Delta: -40.41%
• Verdict: UNDERPRICED
• Comps: 9 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
614 E Main St	0.38mi	3/1.0 (+1)	1,566 (+3%)	11mo	$14,700	$9	62
50 Prosperity St	0.57mi	2/2.0	1,348 (-12%)	4mo	$210,000	$156	48
6 Center Ave	0.67mi	2/1.0	1,627 (+7%)	13mo	$170,000	$104	45

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: -4.2%
• Equity multiple: 0.84×
• Total profit: $-3,503
• Equity at exit: $11,928

10-year hold

• IRR: 5.6%
• Equity multiple: 1.42×
• Total profit: $9,432
• Equity at exit: $6,917

Cash invested: $22,400 (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 15063

• Home prices YoY: -6.9%
• Active inventory: 66
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,076 medium
• Mortgage (P&I): −$420
• Tax from tax record: −$194 /mo · $2,334/yr
• Insurance: −$33
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $147

Break-even live

Break-even rent $890

Max offer price $80,000

Occupancy floor 81%

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Listing history 33 events

1. 2026-06-18
   days on market $80,000 Active 34 DOM
2. 2026-06-17
   days on market $80,000 Active 33 DOM
3. 2026-06-16
   days on market $80,000 Active 32 DOM
4. 2026-06-15
   days on market $80,000 Active 31 DOM
5. 2026-06-13
   days on market $80,000 Active 29 DOM
6. 2026-06-13
   days on market $80,000 Active 28 DOM
7. 2026-06-09
   days on market $80,000 Active 25 DOM
8. 2026-06-08
   days on market $80,000 Active 24 DOM
9. 2026-06-07
   days on market $80,000 Active 23 DOM
10. 2026-06-05
    days on market $80,000 Active 20 DOM
11. 2026-06-03
    days on market $80,000 Active 19 DOM
12. 2026-06-02
    days on market $80,000 Active 18 DOM
13. 2026-06-01
    days on market $80,000 Active 17 DOM
14. 2026-05-31
    days on market $80,000 Active 16 DOM
15. 2026-05-15
    listed $80,000 Active 341-char remark

    Show marketing remark (341 chars)

    Charming 2-bedroom, 1.5-bath home in Monongahela, surrounded by peaceful wooded views and plenty of space to enjoy the outdoors. Inside, you’ll find a spacious kitchen and a comfortable living room, offering a great layout for everyday living or entertaining. A perfect opportunity for those seeking a quiet setting with room to relax.

16. 2026-05-15
    historical Expired 341-char remark

    Show marketing remark (341 chars)

    Charming 2-bedroom, 1.5-bath home in Monongahela, surrounded by peaceful wooded views and plenty of space to enjoy the outdoors. Inside, you’ll find a spacious kitchen and a comfortable living room, offering a great layout for everyday living or entertaining. A perfect opportunity for those seeking a quiet setting with room to relax.

17. 2026-04-23
    listed $85,000 Active 341-char remark

    Show marketing remark (341 chars)

    Charming 2-bedroom, 1.5-bath home in Monongahela, surrounded by peaceful wooded views and plenty of space to enjoy the outdoors. Inside, you’ll find a spacious kitchen and a comfortable living room, offering a great layout for everyday living or entertaining. A perfect opportunity for those seeking a quiet setting with room to relax.

18. 2024-07-22
    historical Expired

    Show marketing remark (28 chars)

    2 bedroons and 2 full baths.

19. 2024-06-03
    price $37,900

    Show marketing remark (28 chars)

    2 bedroons and 2 full baths.

20. 2024-04-29
    price $42,900

    Show marketing remark (28 chars)

    2 bedroons and 2 full baths.

21. 2024-04-02
    listed $47,900 Active

    Show marketing remark (28 chars)

    2 bedroons and 2 full baths.

22. 2024-03-01
    soldstatus $25,500 Closed
23. 2024-02-16
    status Pending
24. 2024-01-24
    price $49,900
25. 2023-11-01
    price $59,900
26. 2023-08-22
    listed $79,900 Active
27. 2014-11-20
    price $22,000
28. 2014-11-19
    soldstatus $22,000
29. 2014-11-19
    price $29,900
30. 2014-09-15
    listed $29,900
31. 2011-05-19
    soldstatus $12,000
32. 2011-05-19
    price $24,900
33. 2010-12-08
    listed $12,000

ⓘ 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: $2,334 · $194/mo
• Projected year-2 tax: $2,334 · $194/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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 19 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: $12,907
• − Mortgage interest: −$4,481
• − Property taxes: −$2,334
• − Insurance: −$1,066
• − Repairs & maintenance: −$1,033
• − Management: −$1,033
• − Depreciation: −$2,327
• Taxable income: $633
• Est. tax owed @ 24.0%: −$152
• After-tax cash flow: $1,610/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: Ringgold SD
• NCES district ID: 4220400
• Math proficiency: 19% ▼ -20.00%
• Reading proficiency: 36% ▼ -18.00%
• Median HH income: $46,754
• Composite: 23.75/100
• National rank: #7819
• State rank: #452 of 539 in PA

Livability — Monongahela

• Score: 72/100
• State rank: #629
• US rank: #6064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monongahela, PA
• City population: 10,479
• Population (ZIP): 10,479

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Slovak 4% Scotch-Irish 3%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.31%
• Current HPI: 261.0334
• 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

+566.7% since first listed

19 events — show timeline

• 2026-05-15 Delisted — West Penn MLS
• 2026-05-15 Listed $80,000 West Penn MLS
• 2026-04-23 Listed $85,000 West Penn MLS
• 2024-07-22 Delisted — West Penn MLS
• 2024-06-03 Price Changed $37,900 West Penn MLS
• 2024-04-29 Price Changed $42,900 West Penn MLS
• 2024-04-02 Listed $47,900 West Penn MLS
• 2024-03-01 Sold (MLS) $25,500 West Penn MLS
• 2024-02-16 Pending — West Penn MLS
• 2024-01-24 Price Changed $49,900 West Penn MLS
• 2023-11-01 Price Changed $59,900 West Penn MLS
• 2023-08-22 Listed $79,900 West Penn MLS
• 2014-11-20 Price Changed $22,000 West Penn MLS
• 2014-11-19 Price Changed $29,900 West Penn MLS
• 2014-11-19 Sold (MLS) $22,000 West Penn MLS
• 2014-09-15 Listed $29,900 West Penn MLS
• 2011-05-19 Price Changed $24,900 West Penn MLS
• 2011-05-19 Sold (MLS) $12,000 West Penn MLS
• 2010-12-08 Listed $12,000 West Penn MLS

Property tax history

+9.7%/yr

Latest (2026): $2,334 · +7.7% YoY. Source: county tax records.