2 Rose Ave · Londonderry, PA 17057

$129,900

3 bd · 2.0 ba · 1,248 sqft · Manufactured public records · 64 Days on market

Built 1984 4,356 sqft lot $104/sqft · 150% above area

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.0/10.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Completely Renovated Mobile Home in Pine Manor MHP in Etown PA. This exceptional home is on a foundation. Providing security and peace of mind from cold weather. The remodel features Drywall instead of the usual panel boards of new build mobile homes Featuring 3 beds / 2 full baths, a Formal dining room, massive 15ft x 24ft living room. Large kitchen with Modern touches and stainless steel appliance. Laundry room is located inside the back door, allowing space for coats and shoes open layout with fresh finishes throughout. The kitchen has been tastefully updated and opens seamlessly into the living and dining areas, making it great for entertaining. Located in a quiet, well-maintained community, all offers are contingent upon park approval and lot rent applies. Lot rent is as follows: $680 base rent plus $30 for trash and $60 sewer. Water is included. Whether you're downsizing, just starting out, or simply looking for low-maintenance living in a great school district — this charming home is ready to welcome you! Don’t miss your chance—schedule your private showing today!

Key facts

• 4,356 sq ft lot
• 2 parking spots
• Built 1984

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $130k.

Deal economics

• At list price, monthly cash flow is $416 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $122k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Lower Dauphin SD (suburban): math 45% / reading 59% proficiency, ranked #130 of 539 in PA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising (+1.6%/yr); 146 active listings in the ZIP; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 64 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 22y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $26k; list at $130k implies a 390% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $122,106 (6.0% below list)

Questions for the listing agent

1. It's been on market 64 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.30% ✓
• Cap rate: 11.29%
• Cash-on-cash: 17.86%
• DSCR: 1.79
• GRM: 6.4

CMA / ARV

• ARV (median comp): $51,941
• List price: $129,900
• Delta: 150.09%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.58% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.09×
• Total profit: $3,110
• Equity at exit: $19,369

10-year hold

• IRR: 10.4%
• Equity multiple: 1.76×
• Total profit: $27,494
• Equity at exit: $11,231

Cash invested: $36,372 (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 17057

• Home prices YoY: -23.9%
• Rents YoY: 1.6%
• Active inventory: 146
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,690 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$59 /mo · $703/yr
• Insurance: −$54
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $416

Break-even live

Break-even rent $1,163

Max offer price $129,900

Occupancy floor 70%

Sensitivity live

Price	-10% $490	-5% $453	+0% $416	+5% $379	+10% $343
Rent	-10% $283	-5% $349	+0% $416	+5% $483	+10% $550
Rate	-1.0pp $482	-0.5pp $449	base $416	+0.5pp $382	+1.0pp $348

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $129,900 Active 64 DOM
2. 2026-06-17
   days on market $129,900 Active 63 DOM
3. 2026-06-16
   days on market $129,900 Active 62 DOM
4. 2026-06-15
   days on market $129,900 Active 61 DOM
5. 2026-06-14
   days on market $129,900 Active 59 DOM
6. 2026-06-13
   days on market $129,900 Active 58 DOM
7. 2026-06-10
   days on market $129,900 Active 56 DOM
8. 2026-06-09
   days on market $129,900 Active 55 DOM
9. 2026-06-08
   days on market $129,900 Active 54 DOM
10. 2026-06-07
    days on market $129,900 Active 53 DOM
11. 2026-06-05
    days on market $129,900 Active 50 DOM
12. 2026-06-03
    pricedays on market $129,900 Active 49 DOM
13. 2026-06-02
    days on market $134,900 Active 48 DOM
14. 2026-06-01
    days on market $134,900 Active 47 DOM
15. 2026-05-31
    days on market $134,900 Active 46 DOM
16. 2026-05-31
    days on market $134,900 Active 45 DOM
17. 2026-04-28
    price $134,900 1106-char remark

    Show marketing remark (1106 chars)

    Completely Renovated Mobile Home in Pine Manor MHP in Etown PA. This exceptional home is on a foundation. Providing security and peace of mind from cold weather. The remodel features Drywall instead of the usual panel boards of new build mobile homes Featuring 3 beds / 2 full baths, a Formal dining room, massive 15ft x 24ft living room. Large kitchen with Modern touches and stainless steel appliance. Laundry room is located inside the back door, allowing space for coats and shoes open layout with fresh finishes throughout. The kitchen has been tastefully updated and opens seamlessly into the living and dining areas, making it great for entertaining. Located in a quiet, well-maintained community, all offers are contingent upon park approval and lot rent applies. Lot rent is as follows: $680 base rent plus $30 for trash and $60 sewer. Water is included. Whether you're downsizing, just starting out, or simply looking for low-maintenance living in a great school district — this charming home is ready to welcome you! Don’t miss your chance—schedule your private showing today!

18. 2026-04-16
    listed $139,900 Active 1106-char remark

    Show marketing remark (1106 chars)

    Completely Renovated Mobile Home in Pine Manor MHP in Etown PA. This exceptional home is on a foundation. Providing security and peace of mind from cold weather. The remodel features Drywall instead of the usual panel boards of new build mobile homes Featuring 3 beds / 2 full baths, a Formal dining room, massive 15ft x 24ft living room. Large kitchen with Modern touches and stainless steel appliance. Laundry room is located inside the back door, allowing space for coats and shoes open layout with fresh finishes throughout. The kitchen has been tastefully updated and opens seamlessly into the living and dining areas, making it great for entertaining. Located in a quiet, well-maintained community, all offers are contingent upon park approval and lot rent applies. Lot rent is as follows: $680 base rent plus $30 for trash and $60 sewer. Water is included. Whether you're downsizing, just starting out, or simply looking for low-maintenance living in a great school district — this charming home is ready to welcome you! Don’t miss your chance—schedule your private showing today!

19. 2026-04-12
    historical $139,900 1106-char remark

    Show marketing remark (1106 chars)

    Completely Renovated Mobile Home in Pine Manor MHP in Etown PA. This exceptional home is on a foundation. Providing security and peace of mind from cold weather. The remodel features Drywall instead of the usual panel boards of new build mobile homes Featuring 3 beds / 2 full baths, a Formal dining room, massive 15ft x 24ft living room. Large kitchen with Modern touches and stainless steel appliance. Laundry room is located inside the back door, allowing space for coats and shoes open layout with fresh finishes throughout. The kitchen has been tastefully updated and opens seamlessly into the living and dining areas, making it great for entertaining. Located in a quiet, well-maintained community, all offers are contingent upon park approval and lot rent applies. Lot rent is as follows: $680 base rent plus $30 for trash and $60 sewer. Water is included. Whether you're downsizing, just starting out, or simply looking for low-maintenance living in a great school district — this charming home is ready to welcome you! Don’t miss your chance—schedule your private showing today!

20. 2013-04-30
    historical
21. 2012-07-11
    listed $15,000
22. 2005-05-18
    soldstatus $26,500
23. 2004-09-13
    listed $27,900

ⓘ 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: $703 · $59/mo
• Projected year-2 tax: $1,378 · $115/mo
• Expected delta: +$675/yr (+$56/mo · 95.9%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone A · 73% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,282
• − Mortgage interest: −$7,276
• − Property taxes: −$703
• − Insurance: −$2,152
• − Repairs & maintenance: −$1,623
• − Management: −$1,623
• − Depreciation: −$3,779
• Taxable income: $3,127
• Est. tax owed @ 24.0%: −$750
• After-tax cash flow: $4,243/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: Lower Dauphin SD
• NCES district ID: 4214100
• Math proficiency: 45% ▼ -10.00%
• Reading proficiency: 59% ▼ -13.00%
• Median HH income: $67,760
• Composite: 46.09/100
• National rank: #2513
• State rank: #130 of 539 in PA

Livability — Londonderry

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Dauphin County · 247,857 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 23,560
• Household income: $73,407
• Rent vs Own: 33.4% rent · 66.6% own
• Severe rent burden: 748.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 11% Two or more races 8% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 7%
• Common ancestry: Romanian 3% Italian 2% Serbian 2%
• Foreign-born: 5% · Canada, China, South Korea
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.17%
• Current HPI: 265.6077
• Rent YoY: ▲ 1.58%
• Metro: Harrisburg-Carlisle, 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

+383.5% since first listed

7 events — show timeline

• 2026-04-28 Price Changed $134,900 BRIGHT MLS
• 2026-04-16 Listed $139,900 BRIGHT MLS
• 2026-04-12 Coming Soon $139,900 BRIGHT MLS
• 2013-04-30 Listing Removed — BRIGHT MLS
• 2012-07-11 Listed $15,000 BRIGHT MLS
• 2005-05-18 Sold (MLS) $26,500 BRIGHT MLS
• 2004-09-13 Listed $27,900 BRIGHT MLS

Property tax history

+1.4%/yr

Latest (2026): $703 · +5.2% YoY. Source: county tax records.