1430 Duss Ave · Ambridge, PA 15003

$150,000

3 bd · 1.0 ba · 1,478 sqft · SingleFamily public records · 31 Days on market

Built 1910 7,405 sqft lot Est $154k · at est.

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Why this score? — see what drove the D 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 +14.6/30.0
• ARV discount +8.6/15.0
• DSCR +4.5/10.0
• 1% rule +4.0/10.0
• Livability +3.9/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NIce 3 bedroom, 1 bath house plus an extra room for an office or closet. Plenty of yard space and off street parking. Roof is three years old.

Key facts

• Large back porch
• Updated kitchen
• Electric fireplace

Tags

• UPDATED KITCHEN
• ELECTRIC FIREPLACE
• FINISHED THIRD-FLOOR ATTIC
• LARGE BACK PORCH
• FENCED-IN BACKYARD
• DRY BASEMENT

Property features AI

Finance

• HOA & community: Public transportation access

Exterior

• Parking: Off-street parking with 3 total spaces
• Utilities: Public water; Public sewer
• Home design: Brick construction; 3 stories; Resale property; Asphalt roof
• Construction: Brick exterior; Asphalt roof
• Exterior features: Off-street parking (3 spaces)

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Stove
• Flooring: Hardwood; Tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: Walk-out basement; Fireplace
• Laundry & utility: Washer; Dryer; Some electric appliances

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $36 ($435/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (9.9% below list).
• Recommended offer: $135k (9.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 78/100 on livability (#293 in PA, #2,594 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, employment D+, crime F.
• Ambridge Area SD (suburban): math 23% / reading 48% proficiency, ranked #408 of 539 in PA (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 58 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 272 units permitted in Beaver County in 2024 (80 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Beaver County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 26y 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 $112k; 34% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,090 (9.9% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 10% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.90% ✗
• Cap rate: 6.58%
• Cash-on-cash: 1.04%
• DSCR: 1.05
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $153,712
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1430 Duss Ave	0.00mi	3/1.0	1,478 (0%)	1mo	$158,150	$107	99
1705 N Walnut St	0.23mi	3/2.0	1,498 (+1%)	3mo	$96,900	$65	81
281 Wagner	0.34mi	3/1.0	1,424 (-4%)	6mo	$149,900	$105	73
321 12th St	0.28mi	3/2.0	1,552 (+5%)	3mo	$132,900	$86	72
279 Boyleston St	0.29mi	2/2.0 (-1)	1,392 (-6%)	4mo	$145,000	$104	65
1204 Church St	0.37mi	3/1.5	1,350 (-9%)	2mo	$229,000	$170	64
836 Duss Ave	0.49mi	3/1.0	1,384 (-6%)	3mo	$55,000	$40	64
825 14th St	0.12mi	3/1.5	1,261 (-15%)	5mo	$75,000	$59	64
827 Beaver Rd	0.51mi	4/2.0 (+1)	1,438 (-3%)	10mo	$117,500	$82	54
1106 Highland Ave	0.70mi	3/3.5	1,520 (+3%)	1mo	$380,000	$250	52
551 Glenwood Ave	0.75mi	4/1.0 (+1)	1,490 (+1%)	11mo	$94,000	$63	50
832 Maplewood Ave	0.58mi	3/1.5	1,266 (-14%)	4mo	$145,000	$115	44

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: -14.6%
• Equity multiple: 0.48×
• Total profit: $-21,982
• Equity at exit: $22,365

10-year hold

• IRR: -5.9%
• Equity multiple: 0.62×
• Total profit: $-16,101
• Equity at exit: $12,969

Cash invested: $42,000 (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 15003

• Home prices YoY: -15.7%
• Active inventory: 58
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,351 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$182 /mo · $2,182/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $36

Break-even live

Break-even rent $1,305

Max offer price $150,000

Occupancy floor 92%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1700 Beaver Rd Ambridge, PA	3.0	1.0	1099	$1,495	$1.36	16d	1	0.19mi
230 Locust St Ambridge, PA	2.0	1.0	1205	$1,103	$0.92	14d	1	1.12mi
121 Locust St Ambridge, PA	2.0–3.0	1.0	875	$1,250	$1.43	1d	3	1.24mi

Listing history 19 events

1. 2026-05-05
   status Pending
2. 2026-04-11
   historical Contingent
3. 2026-04-04
   listed $150,000 Active
4. 2025-08-19
   soldstatus $112,000
5. 2025-07-29
   soldstatus $112,000 Closed 142-char remark

   Show marketing remark (142 chars)

   NIce 3 bedroom, 1 bath house plus an extra room for an office or closet. Plenty of yard space and off street parking. Roof is three years old.

6. 2025-06-30
   status Pending 142-char remark

   Show marketing remark (142 chars)

   NIce 3 bedroom, 1 bath house plus an extra room for an office or closet. Plenty of yard space and off street parking. Roof is three years old.

7. 2025-06-27
   listed $106,000 Active 142-char remark

   Show marketing remark (142 chars)

   NIce 3 bedroom, 1 bath house plus an extra room for an office or closet. Plenty of yard space and off street parking. Roof is three years old.

8. 2018-10-11
   soldstatus $77,000
9. 2018-10-10
   status Under Contract 221-char remark

   Show marketing remark (221 chars)

   Large 3 bedroom home in move-in condition! Updated Kitchen, laminate & ceramic tile flooring. Enclosed 21x6 front porch, plus a covered rear porch that has a great view of the level, fenced yard. Large storage shed!

10. 2018-10-10
    soldstatus $77,000 Sold 221-char remark

    Show marketing remark (221 chars)

    Large 3 bedroom home in move-in condition! Updated Kitchen, laminate & ceramic tile flooring. Enclosed 21x6 front porch, plus a covered rear porch that has a great view of the level, fenced yard. Large storage shed!

11. 2018-09-07
    historical Contingent 221-char remark

    Show marketing remark (221 chars)

    Large 3 bedroom home in move-in condition! Updated Kitchen, laminate & ceramic tile flooring. Enclosed 21x6 front porch, plus a covered rear porch that has a great view of the level, fenced yard. Large storage shed!

12. 2018-08-29
    listed $75,000 Active 221-char remark

    Show marketing remark (221 chars)

    Large 3 bedroom home in move-in condition! Updated Kitchen, laminate & ceramic tile flooring. Enclosed 21x6 front porch, plus a covered rear porch that has a great view of the level, fenced yard. Large storage shed!

13. 2003-05-07
    soldstatus $49,500
14. 2003-04-21
    soldstatus $49,500
15. 2002-11-27
    listed $49,500
16. 2000-05-03
    soldstatus $24,850
17. 2000-04-06
    soldstatus $24,850
18. 2000-02-17
    listed $22,400
19. 1989-04-20
    soldstatus $35,000

ⓘ 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: $2,182 · $182/mo
• Projected year-2 tax: $2,276 · $190/mo
• Expected delta: +$94/yr (+$8/mo · 4.3%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,211
• − Mortgage interest: −$8,402
• − Property taxes: −$2,182
• − Insurance: −$750
• − Repairs & maintenance: −$1,297
• − Management: −$1,297
• − Depreciation: −$4,364
• Taxable loss: −$2,081
• Est. tax savings @ 24.0%: +$499
• After-tax cash flow: $934/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: Ambridge Area SD
• NCES district ID: 4202440
• Math proficiency: 23% ▼ -12.00%
• Reading proficiency: 48% ▼ -10.00%
• Median HH income: $49,514
• Composite: 30.62/100
• National rank: #6190
• State rank: #408 of 539 in PA

Livability — Ambridge

• Score: 78/100
• State rank: #293
• US rank: #2594

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ambridge, PA
• County: Beaver County · 116,001 people
• City population: 11,387
• Metro: Pittsburgh, PA
• Population (ZIP): 11,387
• Household income: $59,550
• Rent vs Own: 35.8% rent · 64.2% own
• Severe rent burden: 397.0

Population outlook (Beaver County) Hauer SSP2

• Today (2025): 164,976 people
• By 2030: 161,449 · -2.1%
• By 2040: 151,752 · -8.0%
• By 2050: 141,155 · -14.4%
• By 2075: 118,142 · -28.4%
• By 2100: 91,740 · -44.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Two or more races 10% Black 9% Hispanic / Latino 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 7% Scotch-Irish 3% Subsaharan African 3%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Beaver

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -17.9pp toward R · 2008: -2.8pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+17.7 2016: R+20.1 2012: R+6.6 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -46.42%
• Current HPI: 249.8525
• Rent YoY: —
• Metro: Pittsburgh, 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

+328.6% since first listed

19 events — show timeline

• 2026-05-05 Pending — West Penn MLS
• 2026-04-11 Contingent — West Penn MLS
• 2026-04-04 Listed $150,000 West Penn MLS
• 2025-08-19 Sold (Public Records) $112,000 Public Records
• 2025-07-29 Sold (MLS) $112,000 West Penn MLS
• 2025-06-30 Pending — West Penn MLS
• 2025-06-27 Listed $106,000 West Penn MLS
• 2018-10-11 Sold (Public Records) $77,000 Public Records
• 2018-10-10 Pending — West Penn MLS
• 2018-10-10 Sold (MLS) $77,000 West Penn MLS
• 2018-09-07 Contingent — West Penn MLS
• 2018-08-29 Listed $75,000 West Penn MLS
• 2003-05-07 Sold (MLS) $49,500 West Penn MLS
• 2003-04-21 Sold (Public Records) $49,500 Public Records
• 2002-11-27 Listed $49,500 West Penn MLS
• 2000-05-03 Sold (MLS) $24,850 West Penn MLS
• 2000-04-06 Sold (Public Records) $24,850 Public Records
• 2000-02-17 Listed $22,400 West Penn MLS
• 1989-04-20 Sold (Public Records) $35,000 Public Records

Property tax history

-0.6%/yr

Latest (2026): $2,182 · +2.2% YoY. Source: county tax records.