1310 Old Quaker Rd · Newberry, PA 17319

$199,000

3 bd · 2.0 ba · 1,431 sqft · Manufactured public records · 37 Days on market

Built 1989 3.78 ac lot $139/sqft · 14% below area

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +7.0/30.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• DSCR +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks

SHORT NOTICE AUCTION June 3rd at 5:30 p. m. Single family detached Double wide home on 3.87 acres. The main floor has 1,300+ sq ft w/ primary Bedroom / en-suite bath, 2 guest Bedrooms, 1 guest bath, kitchen, open format dining / living room w/ wood burning fireplace and a laundry room. The basement has 1,291 sq ft and is partially refinished w/ kitchen / dining area, living / family room, 2BRs, bathroom and laundry room. There is also a storage / utility room with exterior stair access. 200 Amp electric, on-site water and on-site septic w/ sand mound, propane forced hot air, central air on main floor. Basement has electric baseboard heat. House needs interior and exterior renovations.

Key facts

• 3.78 acre lot
• 4 parking spots
• Built 1989

Property features AI

Finance

• Other: Year built source: Assessor

Exterior

• Parking: Driveway parking (4 spaces); Total garage and parking spaces: 4
• Utilities: Well water; On-site septic; Municipal trash service
• Home design: Detached property; Finished area above grade approximately 1,431; Finished below-grade area approximately 1,291; Total below-grade area approximately 2,582; Ownership: Fee simple; Property condition: Average
• Construction: Vinyl siding; Aluminum siding; Permanent foundation
• Exterior features: Deck(s); Shed; Partially finished basement; Not in a federal flood zone

Interior

• Kitchen: Built-in microwave; Dishwasher; Electric oven/range; Refrigerator
• Bedrooms: Three bedrooms on main level; Two bedrooms on lower level
• Flooring: Carpet; Vinyl
• Bathrooms: Three full bathrooms (two on main level, one on lower level)
• Heating & cooling: Central air conditioning (electric); Forced air heating; Electric baseboard heating; Propane (leased) heating; Electric hot water; 200+ amp electric service
• Interior features: Second kitchen; Combination dining/living area; Combination kitchen/dining area; Entry-level bedroom; Master bath(s); Sliding glass door
• Laundry & utility: Laundry on main floor; Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $199k.

Deal economics

• At list price, monthly cash flow is $-289 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $148k (25.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $140k (29.6% below list).
• Recommended offer: $140k (29.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• West Shore SD (suburban): math 37% / reading 56% proficiency, ranked #222 of 539 in PA (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Newberry El Sch (math 32% / reading 47%, grade F, #947 of 1,518 statewide, top 65%, 262 students, 54% FRL); Allen Ms (math 29% / reading 59%, grade D, #202 of 512 statewide, top 40%, 477 students, 42% FRL); Red Land Shs (math 56% / reading 75%, grade B, #65 of 437 statewide, top 15%, 1,101 students, 27% FRL) — zoned schools average 41% FRL vs 25% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 45 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,328 units permitted in York County in 2024 (338 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 $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $22k; list at $199k implies a 826% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,000 (29.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.70% ✗
• Cap rate: 4.55%
• Cash-on-cash: -6.23%
• DSCR: 0.72
• GRM: 11.8

CMA / ARV

• ARV (median comp): $439,660
• List price: $199,000
• Delta: -54.74%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -27.0%
• Equity multiple: 0.09×
• Total profit: $-50,629
• Equity at exit: $29,672

10-year hold

• IRR: -24.6%
• Equity multiple: -0.21×
• Total profit: $-67,664
• Equity at exit: $17,206

Cash invested: $55,720 (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 17319

• Home prices YoY: -20.2%
• Active inventory: 45
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,400 medium
• Mortgage (P&I): −$1,044
• Tax from tax record: −$269 /mo · $3,224/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $-289

Break-even live

Break-even rent $1,766

Max offer price $147,922

Occupancy floor —

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1660 Bamberger Rd Etters, PA	2.0	1.0	1100	$1,400	$1.27	14d	1	1.46mi

Listing history 18 events

1. 2026-06-18
   days on market $199,000 Active 37 DOM
2. 2026-06-17
   days on market $199,000 Active 36 DOM
3. 2026-06-16
   days on market $199,000 Active 35 DOM
4. 2026-06-15
   price $199,000 Active 34 DOM
5. 2026-06-15
   days on market $245,000 Active 34 DOM
6. 2026-06-14
   days on market $245,000 Active 32 DOM
7. 2026-06-10
   days on market $245,000 Active 29 DOM
8. 2026-06-09
   days on market $245,000 Active 28 DOM
9. 2026-06-08
   days on market $245,000 Active 27 DOM
10. 2026-06-07
    days on market $245,000 Active 26 DOM
11. 2026-06-05
    pricedays on market $245,000 Active 23 DOM
12. 2026-06-03
    days on market $225,000 Active 22 DOM
13. 2026-06-02
    days on market $225,000 Active 21 DOM
14. 2026-06-01
    pricedays on market $225,000 Active 20 DOM
15. 2026-05-31
    days on market $275,000 Active 19 DOM
16. 2026-05-31
    days on market $275,000 Active 18 DOM
17. 2026-05-12
    listed $315,000 Active 694-char remark
18. 1988-08-09
    soldstatus $21,500

ⓘ 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: $3,224 · $269/mo
• Projected year-2 tax: $3,224 · $269/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $16,800
• − Mortgage interest: −$11,147
• − Property taxes: −$3,224
• − Insurance: −$995
• − Repairs & maintenance: −$1,344
• − Management: −$1,344
• − Depreciation: −$5,789
• Taxable loss: −$7,043
• Est. tax savings @ 24.0%: +$1,690
• After-tax cash flow: $-1,779/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: West Shore SD
• NCES district ID: 4225830
• Math proficiency: 37% ▼ -12.00%
• Reading proficiency: 56% ▼ -10.00%
• Median HH income: $61,398
• Composite: 40.9/100
• National rank: #3617
• State rank: #222 of 539 in PA

Livability — Newberry

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

Census & demographics

• Population (ZIP): 10,990

Population outlook (York County) Hauer SSP2

• Today (2025): 454,205 people
• By 2030: 457,407 · +0.7%
• By 2040: 457,529 · +0.7%
• By 2050: 448,261 · -1.3%
• By 2075: 427,388 · -5.9%
• By 2100: 384,218 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Polish 5% Lithuanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · York

• 2024 margin: Strong R (+25.3) · D 36.9% · R 62.1%
• 2008→2024 swing: -11.7pp toward R · 2008: -13.6pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+24.6 2016: R+29.3 2012: R+21.2 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.02%
• Current HPI: 268.9557
• 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

+825.6% since first listed

7 events — show timeline

• 2026-06-15 Price Changed $199,000 BRIGHT MLS
• 2026-06-15 Price Changed $225,000 BRIGHT MLS
• 2026-06-04 Price Changed $245,000 BRIGHT MLS
• 2026-06-01 Price Changed $225,000 BRIGHT MLS
• 2026-05-26 Price Changed $275,000 BRIGHT MLS
• 2026-05-12 Listed $315,000 BRIGHT MLS
• 1988-08-09 Sold (Public Records) $21,500 Public Records

Property tax history

+3.7%/yr

Latest (2026): $3,224 · +5.8% YoY. Source: county tax records.