410 17th St · Arnold, PA 15068

$14,900

3 bd · 2.0 ba · 1,136 sqft · Other public records · 37 Days on market

Built 1903 1,319 sqft lot $13/sqft · 86% below area

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.2/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

Key facts

• 1,319 sq ft lot
• Built 1903
• Listed 37 days

Property features AI

Exterior

• Parking: On-street parking
• Home design: 2-story residence; Resale property
• Exterior features: Lot roughly 60 x 22

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating; Gas heating
• Interior features: Basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $15k.

Deal economics

• At list price, monthly cash flow is $832 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $15k).
• Recommended offer: $14k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#1,212 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, crime F, amenities F.
• New Kensington-Arnold SD (suburban): math 16% / reading 31% proficiency, ranked #483 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising (+1.9%/yr); 167 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $103 of loan paydown is wiped out by about $447 of value loss. Plan a longer hold.
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 1.9% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($14k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y ago; this cycle's ask has dropped $5k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1903 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 8→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $14,453 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 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 1903 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 8.51% ✓
• Cap rate: 78.64%
• Cash-on-cash: 258.40%
• DSCR: 12.50
• GRM: 1.0

CMA / ARV

• ARV (median comp): $109,821
• List price: $14,900
• Delta: -86.43%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 1.9% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 12.80×
• Total profit: $49,243
• Equity at exit: $2,222

10-year hold

• IRR: —
• Equity multiple: 26.35×
• Total profit: $105,780
• Equity at exit: $1,288

Cash invested: $4,172 (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 15068

• Home prices YoY: -12.2%
• Rents YoY: 1.9%
• Active inventory: 167
• Price-to-rent: 1.0×

Monthly cashflow live

• Estimated rent: $1,268 high
• Mortgage (P&I): −$78
• Tax est. 1.5%: −$19 /mo · $224/yr
• Insurance: −$6
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$266
• Net cashflow: $832

Break-even live

Break-even rent $214

Max offer price $14,900

Occupancy floor 29%

Sensitivity live

Price	-10% $842	-5% $837	+0% $832	+5% $827	+10% $822
Rent	-10% $732	-5% $782	+0% $832	+5% $882	+10% $932
Rate	-1.0pp $839	-0.5pp $836	base $832	+0.5pp $828	+1.0pp $824

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: $3,725
• Closing costs: $447
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1330 Woodmont Ave New Kensington, PA	3.0	1.0	1250	$1,100	$0.88	11d	1	0.50mi
826 North St New Kensington, PA	4.0	1.5	1250	$1,495	$1.20	2d	1	0.63mi
542 5th Ave Unit 1 New Kensington, PA	2.0	1.0	890	$825	$0.93	24d	1	1.17mi
915 Evans St New Kensington, PA	3.0	2.0	1152	$1,295	$1.12	44d	1	1.17mi
300 Craigdell Rd New Kensington, PA	3.0	2.0	1300	$1,130	$0.87	2d	1	1.32mi
1134 Strawn Ave New Kensington, PA	3.0	1.0	1084	$1,500	$1.38	44d	1	1.32mi

Listing history 23 events

1. 2026-06-18
   days on market $14,900 Active 37 DOM
2. 2026-06-17
   days on market $14,900 Active 36 DOM
3. 2026-06-16
   days on market $14,900 Active 35 DOM
4. 2026-06-15
   days on market $14,900 Active 34 DOM
5. 2026-06-13
   days on market $14,900 Active 32 DOM
6. 2026-06-09
   days on market $14,900 Active 28 DOM
7. 2026-06-08
   days on market $14,900 Active 27 DOM
8. 2026-06-07
   days on market $14,900 Active 26 DOM
9. 2026-06-05
   days on market $14,900 Active 23 DOM
10. 2026-06-03
    days on market $14,900 Active 22 DOM
11. 2026-06-02
    days on market $14,900 Active 21 DOM
12. 2026-06-01
    days on market $14,900 Active 20 DOM
13. 2026-05-31
    days on market $14,900 Active 19 DOM
14. 2026-05-12
    listed $19,900 Active 329-char remark
15. 2017-01-06
    historical Withdrawn 320-char remark

    Show marketing remark (320 chars)

    Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

16. 2016-12-05
    status Active 320-char remark

    Show marketing remark (320 chars)

    Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

17. 2016-11-12
    status Under Contract 320-char remark

    Show marketing remark (320 chars)

    Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

18. 2016-10-04
    price $9,500 320-char remark

    Show marketing remark (320 chars)

    Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

19. 2016-08-23
    listed $9,900 Active 320-char remark

    Show marketing remark (320 chars)

    Centrally located, this 3-bedroom house has a lot of potential. Large back 2nd floor enclosed porch with separate entrance. Newer furnace & hot water tank. Large closets. The second floor could be a separate unit, and the first floor living room could be a 4th bedroom with its own entrance. First floor full bath.

20. 2015-09-05
    historical

    Show marketing remark (291 chars)

    Great investment property or Own this home less than you can rent! New Furnace, hot water tank and updated electrical. Three bedrooms first floor master. Full bath on first and second floor. Separate entrance to second floor with a closed in porch. Low maintenance fenced in yard. Sold As Is

21. 2015-05-18
    status Active

    Show marketing remark (291 chars)

    Great investment property or Own this home less than you can rent! New Furnace, hot water tank and updated electrical. Three bedrooms first floor master. Full bath on first and second floor. Separate entrance to second floor with a closed in porch. Low maintenance fenced in yard. Sold As Is

22. 2015-04-25
    status Under Contract

    Show marketing remark (291 chars)

    Great investment property or Own this home less than you can rent! New Furnace, hot water tank and updated electrical. Three bedrooms first floor master. Full bath on first and second floor. Separate entrance to second floor with a closed in porch. Low maintenance fenced in yard. Sold As Is

23. 2015-04-10
    listed $14,900 Active

    Show marketing remark (291 chars)

    Great investment property or Own this home less than you can rent! New Furnace, hot water tank and updated electrical. Three bedrooms first floor master. Full bath on first and second floor. Separate entrance to second floor with a closed in porch. Low maintenance fenced in yard. Sold As Is

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 95% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,210
• − Mortgage interest: −$835
• − Property taxes: −$224
• − Insurance: −$872
• − Repairs & maintenance: −$1,217
• − Management: −$1,217
• − Depreciation: −$433
• Taxable income: $10,413
• Est. tax owed @ 24.0%: −$2,499
• After-tax cash flow: $7,484/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: New Kensington-Arnold SD
• NCES district ID: 4216740
• Math proficiency: 16% ▼ -7.00%
• Reading proficiency: 31% ▼ -13.00%
• Median HH income: $34,386
• Composite: 19.26/100
• National rank: #8805
• State rank: #483 of 539 in PA

Livability — Arnold

• Score: 64/100
• State rank: #1212
• US rank: #14318

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Arnold, PA
• County: Westmoreland County · 183,777 people
• Metro: Pittsburgh, PA
• Population (ZIP): 36,203
• Household income: $63,426
• Rent vs Own: 27.8% rent · 72.2% own
• Severe rent burden: 967.0

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Black 8% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Romanian 12% Subsaharan African 2% Serbian 1%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1% Other Indo-European 0%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.50%
• Current HPI: 305.926
• Rent YoY: ▲ 1.90%
• 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

+0.0% since first listed

11 events — show timeline

• 2026-05-28 Price Changed $14,900 West Penn MLS
• 2026-05-12 Listed $19,900 West Penn MLS
• 2017-01-06 Delisted — West Penn MLS
• 2016-12-05 Relisted — West Penn MLS
• 2016-11-12 Pending — West Penn MLS
• 2016-10-04 Price Changed $9,500 West Penn MLS
• 2016-08-23 Listed $9,900 West Penn MLS
• 2015-09-05 Delisted — West Penn MLS
• 2015-05-18 Relisted — West Penn MLS
• 2015-04-25 Pending — West Penn MLS
• 2015-04-10 Listed $14,900 West Penn MLS

Property tax history

+1.6%/yr

Latest (2026): $1,256 · +1.1% YoY. Source: county tax records.