3458 Duff Ave · Salunga, PA 17601

$300,000

3 bd · 1.5 ba · 1,653 sqft · SingleFamily public records · 36 Days on market

Built 1974 0.34 ac lot $181/sqft · 18% below area Est $368k · 18% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.7/30.0
• Schools +5.1/10.0
• Rent growth +3.5/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This property will be offered at Public Auction on Tuesday, May 19, 2026 @ 6pm. The listing price is the opening bid only and in no way reflects the final sale price. 10% down due at auction, 2% transfer tax to be paid by the purchaser, real estate taxes prorated. This 3-bedroom ranch home is perfectly situated with easy access to Routes 272 and 30, combining convenience and practical living. The main floor features a living room, kitchen with dining area, half bath, master bedroom, two additional bedrooms (one ideal for an office), a full bathroom, laundry room, and a family room. An unfinished basement offers plenty of storage and future possibilities. Don’t miss the opportunity to make this well-located home your own!

Key facts

• Half bath
• Full bathroom
• Laundry room

Tags

• LIVING ROOM
• KITCHEN WITH DINING AREA
• HALF BATH
• MASTER BEDROOM
• FULL BATHROOM
• LAUNDRY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-344 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $239k (20.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $221k (26.4% below list).
• Recommended offer: $221k (26.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#910 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A-; Watch: schools C-, amenities F, commute F.
• Hempfield SD (suburban): math 50% / reading 65% proficiency, ranked #81 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+4.0%/yr); 321 active listings in the ZIP; solid renter incomes; 1,093 units permitted in Lancaster County in 2024 (201 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Lancaster County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($291k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $98k; list at $300k implies a 208% 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 $220,819 (26.4% 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 36 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.74% ✗
• Cap rate: 4.92%
• Cash-on-cash: -4.91%
• DSCR: 0.78
• GRM: 11.3

CMA / ARV

• ARV (median comp): $367,525
• List price: $300,000
• Delta: -18.37%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
963 Boyce Ave	0.11mi	3/2.0	1,631 (-1%)	13mo	$380,000	$233	80
923 Jade Ave	0.20mi	3/2.0	1,480 (-10%)	2mo	$427,000	$289	70
980 Boyce Ave	0.14mi	4/2.5 (+1)	1,570 (-5%)	9mo	$370,000	$236	69
3481 Coronet Ave	0.20mi	3/2.0	1,850 (+12%)	2mo	$400,000	$216	67
900 Gemstone Dr	0.15mi	4/2.5 (+1)	1,900 (+15%)	12mo	$491,000	$258	49
945 Driver Ave	0.58mi	3/2.0	1,769 (+7%)	18mo	$339,900	$192	44
913 Snapper Dam Rd	0.68mi	3/2.5	1,852 (+12%)	8mo	$417,000	$225	37

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 · 3.99% rent growth · sell at horizon

5-year hold

• IRR: -23.5%
• Equity multiple: 0.19×
• Total profit: $-68,228
• Equity at exit: $44,731

10-year hold

• IRR: -15.9%
• Equity multiple: 0.07×
• Total profit: $-78,112
• Equity at exit: $25,939

Cash invested: $84,000 (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 17601

• Rents YoY: 4.0%
• Active inventory: 321
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,208 medium
• Mortgage (P&I): −$1,573
• Tax from tax record: −$390 /mo · $4,677/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$464
• Net cashflow: $-344

Break-even live

Break-even rent $2,643

Max offer price $239,316

Occupancy floor —

Sensitivity live

Price	-10% $-174	-5% $-259	+0% $-344	+5% $-428	+10% $-513
Rent	-10% $-518	-5% $-431	+0% $-344	+5% $-256	+10% $-169
Rate	-1.0pp $-192	-0.5pp $-267	base $-344	+0.5pp $-421	+1.0pp $-500

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-04-15
   listed $300,000 Active 736-char remark

   Show marketing remark (736 chars)

   This property will be offered at Public Auction on Tuesday, May 19, 2026 @ 6pm. The listing price is the opening bid only and in no way reflects the final sale price. 10% down due at auction, 2% transfer tax to be paid by the purchaser, real estate taxes prorated. This 3-bedroom ranch home is perfectly situated with easy access to Routes 272 and 30, combining convenience and practical living. The main floor features a living room, kitchen with dining area, half bath, master bedroom, two additional bedrooms (one ideal for an office), a full bathroom, laundry room, and a family room. An unfinished basement offers plenty of storage and future possibilities. Don’t miss the opportunity to make this well-located home your own!

2. 1990-04-02
   soldstatus $97,500

ⓘ 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: $4,677 · $390/mo
• Projected year-2 tax: $4,709 · $392/mo
• Expected delta: +$31/yr (+$3/mo · 0.7%)

ⓘ 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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,498
• − Mortgage interest: −$16,805
• − Property taxes: −$4,677
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,120
• − Management: −$2,120
• − Depreciation: −$8,727
• Taxable loss: −$9,450
• Est. tax savings @ 24.0%: +$2,268
• After-tax cash flow: $-1,854/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: Hempfield SD
• NCES district ID: 4211790
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $67,908
• Composite: 50.66/100
• National rank: #1829
• State rank: #81 of 539 in PA

Livability — Salunga

• Score: 68/100
• State rank: #910
• US rank: #9867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Lancaster County · 390,309 people
• Metro: Lancaster, PA
• Population (ZIP): 56,382
• Household income: $102,435
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 1296.0

Population outlook (Lancaster County) Hauer SSP2

• Today (2025): 561,011 people
• By 2030: 570,969 · +1.8%
• By 2040: 585,929 · +4.4%
• By 2050: 591,056 · +5.4%
• By 2075: 594,747 · +6.0%
• By 2100: 558,850 · -0.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 10% Two or more races 7% Asian 6% Black 4%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 5% Slovak 2% Lithuanian 2%
• Foreign-born: 9% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 1%

Political lean MEDSL · Lancaster

• 2024 margin: R (+15.9) · D 41.5% · R 57.5%
• 2008→2024 swing: -4.1pp toward R · 2008: -11.8pp · 2024: -15.9pp
• All cycles: 2024: R+15.9 2020: R+15.8 2016: R+19.7 2012: R+19.2 2008: R+11.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -383.04%
• Current HPI: 257.0336
• Rent YoY: ▲ 3.99%
• Metro: Lancaster, 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

+207.7% since first listed

2 events — show timeline

• 2026-04-15 Listed $300,000 BRIGHT MLS
• 1990-04-02 Sold (Public Records) $97,500 Public Records

Property tax history

+2.1%/yr

Latest (2026): $4,677 · +4.6% YoY. Source: county tax records.