214 N Marian St · Ebensburg, PA 15931

$74,900

3 bd · 1.0 ba · 1,232 sqft · Land · 23 Days on market

2,614 sqft lot

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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 +9.7/10.0
• ARV discount +7.5/15.0
• Livability +4.4/5.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 214 N Marian Street in the heart of the Ebensburg Borough! This estate property is full of potential and ready for the right buyer to bring it back to life. While the home does need TLC and updating, it offers solid space, character, and endless possibilities for an owner occupant, investor, or renovation project. The main floor features a spacious living room, formal dining room, large kitchen, cozy family room, and an additional bonus room that could easily serve as a first floor bedroom, office, or flex space. Upstairs you will find 3 nicely sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and houses the home's mechanicals. Outside, enjoy a covered front porch, rear covered patio, spacious yard, and more. Property is being sold in 'AS-IS' condition as part of an estate sale. Buyer will be responsible for any sewer testing or related requirements. Please note that all utilities are currently turned off except for electric. Call today for more information or to schedule your tour!

Key facts

• Covered front porch
• Spacious yard
• Unfinished basement

Tags

• COVERED FRONT PORCH
• REAR COVERED PATIO
• SPACIOUS YARD
• BONUS ROOM
• UNFINISHED BASEMENT
• EXCELLENT STORAGE SPACE

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer / sewer available
• Home design: Single-family residence; Residential property; Two-story
• Exterior features: Shingle roof; No pool

Interior

• Bedrooms: Two levels (home has two stories)
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating; Oil heat
• Interior features: Full, unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath land listed at $75k.

Deal economics

• At list price, monthly cash flow is $351 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $74k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 87/100 on livability (#53 in PA, #310 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, cost of living A+; Watch: commute F.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 38 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $518 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• 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 $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• 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 $73,776 (1.5% 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
3. 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.
4. 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.
5. 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: 1.47% ✓
• Cap rate: 11.92%
• Cash-on-cash: 20.11%
• DSCR: 1.89
• GRM: 5.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 12.3%
• Equity multiple: 1.49×
• Total profit: $10,259
• Equity at exit: $11,168

10-year hold

• IRR: 21.2%
• Equity multiple: 2.80×
• Total profit: $37,819
• Equity at exit: $6,476

Cash invested: $20,972 (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 15931

• Home prices YoY: -29.5%
• Active inventory: 38
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,100 medium
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,124/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $351

Break-even live

Break-even rent $655

Max offer price $74,900

Occupancy floor 63%

Sensitivity live

Price	-10% $403	-5% $377	+0% $351	+5% $326	+10% $300
Rent	-10% $264	-5% $308	+0% $351	+5% $395	+10% $438
Rate	-1.0pp $389	-0.5pp $370	base $351	+0.5pp $332	+1.0pp $312

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
112 McConahy Way Ebensburg, PA	2.0	1.5	962	$1,100	$1.14	44d	1	0.75mi

Listing history 18 events

1. 2026-06-18
   days on market $74,900 Active 23 DOM
2. 2026-06-17
   days on market $74,900 Active 22 DOM
3. 2026-06-16
   days on market $74,900 Active 21 DOM
4. 2026-06-15
   days on market $74,900 Active 20 DOM
5. 2026-06-13
   days on market $74,900 Active 18 DOM
6. 2026-06-12
   days on market $74,900 Active 17 DOM
7. 2026-06-09
   days on market $74,900 Active 14 DOM
8. 2026-06-08
   days on market $74,900 Active 13 DOM
9. 2026-06-08
   days on market $74,900 Active 12 DOM
10. 2026-06-07
    days on market $74,900 Active 11 DOM
11. 2026-06-04
    days on market $74,900 Active 8 DOM
12. 2026-06-02
    days on market $74,900 Active 7 DOM
13. 2026-06-01
    days on market $74,900 Active 6 DOM
14. 2026-05-31
    days on market $74,900 Active 5 DOM
15. 2026-05-26
    listed $74,900 Active

    Show marketing remark (1058 chars)

    Welcome to 214 N Marian Street in the heart of the Ebensburg Borough! This estate property is full of potential and ready for the right buyer to bring it back to life. While the home does need TLC and updating, it offers solid space, character, and endless possibilities for an owner occupant, investor, or renovation project. The main floor features a spacious living room, formal dining room, large kitchen, cozy family room, and an additional bonus room that could easily serve as a first floor bedroom, office, or flex space. Upstairs you will find 3 nicely sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and houses the home's mechanicals. Outside, enjoy a covered front porch, rear covered patio, spacious yard, and more. Property is being sold in 'AS-IS' condition as part of an estate sale. Buyer will be responsible for any sewer testing or related requirements. Please note that all utilities are currently turned off except for electric. Call today for more information or to schedule your tour!

16. 2026-05-26
    listed $74,900 Active 1058-char remark

    Show marketing remark (1058 chars)

    Welcome to 214 N Marian Street in the heart of the Ebensburg Borough! This estate property is full of potential and ready for the right buyer to bring it back to life. While the home does need TLC and updating, it offers solid space, character, and endless possibilities for an owner occupant, investor, or renovation project. The main floor features a spacious living room, formal dining room, large kitchen, cozy family room, and an additional bonus room that could easily serve as a first floor bedroom, office, or flex space. Upstairs you will find 3 nicely sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and houses the home's mechanicals. Outside, enjoy a covered front porch, rear covered patio, spacious yard, and more. Property is being sold in 'AS-IS' condition as part of an estate sale. Buyer will be responsible for any sewer testing or related requirements. Please note that all utilities are currently turned off except for electric. Call today for more information or to schedule your tour!

17. 2023-01-17
    soldstatus $407,000
18. 1995-08-01
    soldstatus $12,211

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°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: $13,200
• − Mortgage interest: −$4,196
• − Property taxes: −$1,124
• − Insurance: −$374
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − Depreciation: −$2,179
• Taxable income: $3,216
• Est. tax owed @ 24.0%: −$772
• After-tax cash flow: $3,445/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: Central Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Ebensburg

• Score: 87/100
• State rank: #53
• US rank: #310

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ebensburg, PA
• Population (ZIP): 8,852

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 (96%)
• Race & ethnicity: White 96% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Lithuanian 2% Scotch-Irish 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

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: ▼ -54.99%
• Current HPI: 131.3961
• 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

+513.4% since first listed

4 events — show timeline

• 2026-05-26 Listed $74,900 CSMLS
• 2026-05-26 Listed $74,900 AHARMLS
• 2023-01-17 Sold (Public Records) $407,000 Public Records
• 1995-08-01 Sold (Public Records) $12,211 Public Records

Property tax history

+0.8%/yr

Latest (2026): $125 · +0.0% YoY. Source: county tax records.