125 Church St · Jennerstown, PA 15546

$32,500

4 bd · 1.0 ba · 1,997 sqft · SingleFamily public records · 9 Days on market

Built 1910 7,405 sqft lot

---

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 +15.0/30.0
• Appreciation +8.3/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Investor special with tremendous potential! This spacious 2,000 sq. ft home, originally built in 1910, began an extensive remodel approximately 8 years ago before the project was discontinued. The property features major exterior improvements, The main including new siding, windows, exterior stone accents, and chimney work. The interior remains unfinished and the home is currently not habitable, but much of the groundwork has been started. The previous owner intended to convert the property into an up/down duplex. The second floor is approximately 90% complete as a large 2-bedroom apartment featuring a newer kitchen and bath. The first floor has been gutted and includes some new drywall along with a partial kitchen and bath installation. Floors throughout are currently subfloor only. Radiant heat tubing has been installed beneath both the first and second floors. Heating sources include an oil-burner and a coal furnace. A roof leak near the chimney has caused some interior ceiling and wall damage. Public water and sewer are connected. An ideal opportunity for investors, flippers, or handy buyers looking to finish a large renovation project. Property being sold as is. - Main photo is taken from the tax office.

Key facts

• New siding
• Newer kitchen
• Chimney work

Tags

• MAJOR EXTERIOR IMPROVEMENTS
• NEW SIDING
• NEW WINDOWS
• EXTERIOR STONE ACCENTS
• CHIMNEY WORK
• NEWER KITCHEN

Property features AI

Finance

• Financial info: Annual taxes about $1,440

Exterior

• Home design: 2-story home; Vinyl siding
• Construction: Vinyl siding construction
• Exterior features: Lot of approximately 0.17 acres

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Resale condition

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $32k.

Deal economics

• At list price, monthly cash flow is $785 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $32k).

Location & tenants

• Location reads 67/100 on livability (#979 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, employment D, amenities F.
• North Star SD (rural): math 38% / reading 60% proficiency, ranked #209 of 539 in PA (top 39%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 3 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($225 loan paydown + $2k appreciation (6.7% local appreciation)).
• Somerset County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (6.7% appreciation + 3.0% rent growth), your $9k cash investment doubles in ~1 year — after that, you're playing with house money.

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.

Risks & watch-outs

• Watch-outs: property tax is 4.4% of price; built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $32,500

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 4.24% ✓
• Cap rate: 35.29%
• Cash-on-cash: 103.56%
• DSCR: 5.61
• GRM: 2.0

CMA / ARV

• ARV (on-the-fly): $101,847
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
114 Cloud St	0.09mi	4/1.0	1,876 (-6%)	10mo	$95,000	$51	78

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

6.69% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 7.68×
• Total profit: $60,821
• Equity at exit: $21,868

10-year hold

• IRR: —
• Equity multiple: 16.34×
• Total profit: $139,578
• Equity at exit: $40,960

Cash invested: $9,100 (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 15546

• Home prices YoY: 3.6%
• Active inventory: 3
• Price-to-rent: 2.0×

Monthly cashflow live

• Estimated rent: $1,379 medium
• Mortgage (P&I): −$170
• Tax from tax record: −$120 /mo · $1,440/yr
• Insurance: −$14
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $785

Break-even live

Break-even rent $385

Max offer price $32,500

Occupancy floor 38%

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: $8,125
• Closing costs: $975
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-12
   statusdays on market $32,500 Pending 9 DOM
2. 2026-06-09
   days on market $32,500 Active 8 DOM
3. 2026-06-08
   days on market $32,500 Active 7 DOM
4. 2026-06-07
   days on market $32,500 Active 6 DOM
5. 2026-06-03
   days on market $32,500 Active 2 DOM
6. 2026-06-01
   remarks 699-char remark

   Show marketing remark (1228 chars)

   Investor special with tremendous potential! This spacious 2,000 sq. ft home, originally built in 1910, began an extensive remodel approximately 8 years ago before the project was discontinued. The property features major exterior improvements, The main including new siding, windows, exterior stone accents, and chimney work. The interior remains unfinished and the home is currently not habitable, but much of the groundwork has been started. The previous owner intended to convert the property into an up/down duplex. The second floor is approximately 90% complete as a large 2-bedroom apartment featuring a newer kitchen and bath. The first floor has been gutted and includes some new drywall along with a partial kitchen and bath installation. Floors throughout are currently subfloor only. Radiant heat tubing has been installed beneath both the first and second floors. Heating sources include an oil-burner and a coal furnace. A roof leak near the chimney has caused some interior ceiling and wall damage. Public water and sewer are connected. An ideal opportunity for investors, flippers, or handy buyers looking to finish a large renovation project. Property being sold as is. - Main photo is taken from the tax office.

7. 2026-06-01
   listed $32,500 Active 1 DOM

   Show marketing remark (1228 chars)

   Investor special with tremendous potential! This spacious 2,000 sq. ft home, originally built in 1910, began an extensive remodel approximately 8 years ago before the project was discontinued. The property features major exterior improvements, The main including new siding, windows, exterior stone accents, and chimney work. The interior remains unfinished and the home is currently not habitable, but much of the groundwork has been started. The previous owner intended to convert the property into an up/down duplex. The second floor is approximately 90% complete as a large 2-bedroom apartment featuring a newer kitchen and bath. The first floor has been gutted and includes some new drywall along with a partial kitchen and bath installation. Floors throughout are currently subfloor only. Radiant heat tubing has been installed beneath both the first and second floors. Heating sources include an oil-burner and a coal furnace. A roof leak near the chimney has caused some interior ceiling and wall damage. Public water and sewer are connected. An ideal opportunity for investors, flippers, or handy buyers looking to finish a large renovation project. Property being sold as is. - Main photo is taken from the tax office.

ⓘ 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: $1,440 · $120/mo
• Projected year-2 tax: $1,440 · $120/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 3/10 Moderate 7 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,546
• − Mortgage interest: −$1,821
• − Property taxes: −$1,440
• − Insurance: −$162
• − Repairs & maintenance: −$1,324
• − Management: −$1,324
• − Depreciation: −$945
• Taxable income: $9,530
• Est. tax owed @ 24.0%: −$2,287
• After-tax cash flow: $7,137/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: North Star SD
• NCES district ID: 4210115
• Math proficiency: 38% ▼ -6.00%
• Reading proficiency: 60% ▼ -8.00%
• Median HH income: $43,457
• Composite: 41.25/100
• National rank: #3528
• State rank: #209 of 539 in PA

Livability — Jennerstown

• Score: 67/100
• State rank: #979
• US rank: #10722

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 875
• Population (ZIP): 618

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 9%
• Common ancestry: Iranian 15% Subsaharan African 3% Lithuanian 2%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 6.69%
• Current HPI: 193.3862
• 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

2 events — show timeline

• 2026-06-01 Listed $32,500 CSMLS
• 2026-06-01 Listed $32,500 West Penn MLS

Property tax history

+1.6%/yr

Latest (2026): $1,440 · +3.8% YoY. Source: county tax records.