1040 Station Rd · Twin Rocks, PA 15960

$149,900

4 bd · 2.0 ba · 2,142 sqft · SingleFamily · 9 Days on market

0.25 ac lot Est $165k · 9% under

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Why this score? — see what drove the C 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 +19.8/30.0
• ARV discount +11.6/15.0
• DSCR +6.3/10.0
• Appreciation +5.0/10.0
• 1% rule +4.3/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to 1040 Station Road in Twin Rocks - an impeccably maintained home situated on a spacious corner lot that truly stands out for its pride of ownership and exceptional condition. The main level offers a bright and inviting sunporch with floor-to-ceiling windows, perfect for relaxing or entertaining. Inside, you'll find a formal dining room, comfortable family room, and a spacious eat-in kitchen with plenty of room for gatherings. Additional conveniences include first-floor laundry, a full bathroom, a main-level bedroom, and a functional mudroom. Upstairs, the home features four generously sized bedrooms along with a second full bathroom. The basement is unfinished but exceptionally clean and well-kept, providing excellent storage space or potential for future use. Outside, enjoy the large corner lot with a private feel, a covered rear patio, a detached one-car garage with an attached carport, established grapevines, and plenty of yard space to enjoy. This home is a rare find in such outstanding condition. Schedule your showing today!

Key facts

• Sunporch
• Formal dining room
• Large corner lot

Tags

• SUNPORCH
• FORMAL DINING ROOM
• EAT-IN KITCHEN
• FIRST-FLOOR LAUNDRY
• MUDROOM
• LARGE CORNER LOT

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $178 ($2k/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 $139k (7.3% below list).
• Recommended offer: $139k (7.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Blacklick Valley SD (town): math 37% / reading 50% proficiency, ranked #310 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 4 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 $6k of equity ($1k loan paydown + $4k appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.

Recommended offer $139,006 (7.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 0.93% ✗
• Cap rate: 7.72%
• Cash-on-cash: 5.08%
• DSCR: 1.23
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $164,934
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1040 Station Rd	0.00mi	4/2.0	2,142 (0%)	1mo	$164,500	$77	99
1134 Station Rd	0.17mi	3/1.0 (-1)	2,000 (-7%)	1mo	$55,000	$28	72

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: 12.2%
• Equity multiple: 1.70×
• Total profit: $29,332
• Equity at exit: $67,402

10-year hold

• IRR: 14.3%
• Equity multiple: 3.11×
• Total profit: $88,502
• Equity at exit: $103,874

Cash invested: $41,972 (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 15960

• Active inventory: 4
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,390 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$72 /mo · $862/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $178

Break-even live

Break-even rent $1,165

Max offer price $149,900

Occupancy floor 82%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-04-26
   status Pending

   Show marketing remark (1055 chars)

   Welcome to 1040 Station Road in Twin Rocks - an impeccably maintained home situated on a spacious corner lot that truly stands out for its pride of ownership and exceptional condition. The main level offers a bright and inviting sunporch with floor-to-ceiling windows, perfect for relaxing or entertaining. Inside, you'll find a formal dining room, comfortable family room, and a spacious eat-in kitchen with plenty of room for gatherings. Additional conveniences include first-floor laundry, a full bathroom, a main-level bedroom, and a functional mudroom. Upstairs, the home features four generously sized bedrooms along with a second full bathroom. The basement is unfinished but exceptionally clean and well-kept, providing excellent storage space or potential for future use. Outside, enjoy the large corner lot with a private feel, a covered rear patio, a detached one-car garage with an attached carport, established grapevines, and plenty of yard space to enjoy. This home is a rare find in such outstanding condition. Schedule your showing today!

2. 2026-04-26
   status Pending 1055-char remark

   Show marketing remark (1055 chars)

   Welcome to 1040 Station Road in Twin Rocks - an impeccably maintained home situated on a spacious corner lot that truly stands out for its pride of ownership and exceptional condition. The main level offers a bright and inviting sunporch with floor-to-ceiling windows, perfect for relaxing or entertaining. Inside, you'll find a formal dining room, comfortable family room, and a spacious eat-in kitchen with plenty of room for gatherings. Additional conveniences include first-floor laundry, a full bathroom, a main-level bedroom, and a functional mudroom. Upstairs, the home features four generously sized bedrooms along with a second full bathroom. The basement is unfinished but exceptionally clean and well-kept, providing excellent storage space or potential for future use. Outside, enjoy the large corner lot with a private feel, a covered rear patio, a detached one-car garage with an attached carport, established grapevines, and plenty of yard space to enjoy. This home is a rare find in such outstanding condition. Schedule your showing today!

3. 2026-04-16
   listed $149,900 Active

   Show marketing remark (1055 chars)

   Welcome to 1040 Station Road in Twin Rocks - an impeccably maintained home situated on a spacious corner lot that truly stands out for its pride of ownership and exceptional condition. The main level offers a bright and inviting sunporch with floor-to-ceiling windows, perfect for relaxing or entertaining. Inside, you'll find a formal dining room, comfortable family room, and a spacious eat-in kitchen with plenty of room for gatherings. Additional conveniences include first-floor laundry, a full bathroom, a main-level bedroom, and a functional mudroom. Upstairs, the home features four generously sized bedrooms along with a second full bathroom. The basement is unfinished but exceptionally clean and well-kept, providing excellent storage space or potential for future use. Outside, enjoy the large corner lot with a private feel, a covered rear patio, a detached one-car garage with an attached carport, established grapevines, and plenty of yard space to enjoy. This home is a rare find in such outstanding condition. Schedule your showing today!

4. 2026-04-16
   listed $149,900 Active 1055-char remark

   Show marketing remark (1055 chars)

   Welcome to 1040 Station Road in Twin Rocks - an impeccably maintained home situated on a spacious corner lot that truly stands out for its pride of ownership and exceptional condition. The main level offers a bright and inviting sunporch with floor-to-ceiling windows, perfect for relaxing or entertaining. Inside, you'll find a formal dining room, comfortable family room, and a spacious eat-in kitchen with plenty of room for gatherings. Additional conveniences include first-floor laundry, a full bathroom, a main-level bedroom, and a functional mudroom. Upstairs, the home features four generously sized bedrooms along with a second full bathroom. The basement is unfinished but exceptionally clean and well-kept, providing excellent storage space or potential for future use. Outside, enjoy the large corner lot with a private feel, a covered rear patio, a detached one-car garage with an attached carport, established grapevines, and plenty of yard space to enjoy. This home is a rare find in such outstanding condition. Schedule your showing today!

ⓘ 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: $862 · $72/mo
• Projected year-2 tax: $1,615 · $135/mo
• Expected delta: +$753/yr (+$63/mo · 87.4%)

ⓘ 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 3/10 Moderate 7 d/yr ≥91°F today · 18 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: $16,681
• − Mortgage interest: −$8,397
• − Property taxes: −$862
• − Insurance: −$750
• − Repairs & maintenance: −$1,334
• − Management: −$1,334
• − Depreciation: −$4,361
• Taxable loss: −$357
• Est. tax savings @ 24.0%: +$86
• After-tax cash flow: $2,219/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: Blacklick Valley SD
• NCES district ID: 4203690
• Math proficiency: 37% ▲ 7.00%
• Reading proficiency: 50% ▲ 5.00%
• Median HH income: $38,550
• Composite: 36.25/100
• National rank: #4712
• State rank: #310 of 539 in PA

Livability — Twin Rocks

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

Census & demographics

• Census place: Twin Rocks, PA
• Population (ZIP): 169

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 (100%)
• Race & ethnicity: White 100%
• Common ancestry: Romanian 4% Italian 4% Slovak 2%

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: —
• Current HPI: —
• 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

+0.0% since first listed

4 events — show timeline

• 2026-04-26 Pending — CSMLS
• 2026-04-26 Pending — AHARMLS
• 2026-04-16 Listed $149,900 CSMLS
• 2026-04-16 Listed $149,900 AHARMLS

Property tax history

+1.3%/yr

Latest (2026): $862 · +0.0% YoY. Source: county tax records.