58 Cherokee Dr · Lower Windsor, PA 17366

$169,900

3 bd · 2.0 ba · 1,064 sqft · Manufactured public records · 24 Days on market

Built 2025

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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 +19.8/30.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• Appreciation +4.7/10.0
• Schools +4.5/10.0
• 1% rule +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Pack your bags and move! This lovely 3 bedroom, 2 bath single wide in Shalako Park boasts low lot rent. Very good condition. Lot has nice yard. Large deck on home and a shed with electric and heat.

Key facts

• Stainless appliances
• Walk-in closets
• One floor living

Tags

• STAINLESS APPLIANCES
• ONE FLOOR LIVING
• WALK-IN CLOSETS

Property features AI

Finance

• Other: Park: Shalako MHP; Park directions reference: Shalako MHP - sign in yard
• Financial info: Ground rent exists: $530 monthly; Ownership interest: Ground rent; Annual ground rent noted in income/expense list
• HOA & community: Association covers sewer, snow removal and trash

Exterior

• Parking: Off-street parking
• Utilities: Private water source; Public sewer
• Home design: Manufactured double-wide home; Estimated year built
• Construction: Vinyl siding; Shingle roof; Construction completed; Building not winterized; Manufacturer: Pine Grove; Approximate dimensions: 28 ft wide by 52 ft long
• Exterior features: Exterior lighting; Rented lot (ground rent paid monthly)

Interior

• Kitchen: Built-in microwave; Dishwasher; Refrigerator; Stove; Stainless steel appliances
• Bedrooms: 3 bedrooms on the main level
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms (both on the main level)
• Heating & cooling: Forced air heating; Electric hot water
• Interior features: Open floor plan; Walk-in closet(s); Paneled walls
• Laundry & utility: Main-floor laundry with hookups

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $170k.

Deal economics

• At list price, monthly cash flow is $201 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $155k (9.0% below list).
• Recommended offer: $155k (9.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Eastern York SD (rural): math 40% / reading 64% proficiency, ranked #146 of 539 in PA (top 27%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 50 active listings in the ZIP; 1,328 units permitted in York County in 2024 (338 in 5+ unit buildings).

Forward outlook

• In year one you build about $218 of equity ($1k loan paydown + $-957 appreciation (-0.6% local appreciation)).
• At projected returns (-0.6% appreciation + 3.0% rent growth), your $48k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($167k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 23y ago 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.
• Current owner paid $18k; list at $170k implies a 844% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $154,532 (9.0% 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. 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.
3. 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.
4. 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: 0.91% ✗
• Cap rate: 7.71%
• Cash-on-cash: 5.07%
• DSCR: 1.23
• GRM: 9.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.56% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.5%
• Equity multiple: 1.07×
• Total profit: $3,314
• Equity at exit: $44,601

10-year hold

• IRR: 7.6%
• Equity multiple: 1.77×
• Total profit: $36,472
• Equity at exit: $49,968

Cash invested: $47,572 (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 17366

• Home prices YoY: -0.2%
• Active inventory: 50
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,545 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$58 /mo · $696/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $201

Break-even live

Break-even rent $1,291

Max offer price $169,900

Occupancy floor 82%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-18
   days on market $169,900 Active 24 DOM
2. 2026-06-17
   days on market $169,900 Active 23 DOM
3. 2026-06-16
   days on market $169,900 Active 22 DOM
4. 2026-06-15
   days on market $169,900 Active 21 DOM
5. 2026-06-14
   days on market $169,900 Active 19 DOM
6. 2026-06-13
   days on market $169,900 Active 18 DOM
7. 2026-06-10
   days on market $169,900 Active 16 DOM
8. 2026-06-09
   days on market $169,900 Active 15 DOM
9. 2026-06-08
   days on market $169,900 Active 14 DOM
10. 2026-06-07
    days on market $169,900 Active 13 DOM
11. 2026-06-03
    days on market $169,900 Active 9 DOM
12. 2026-06-02
    days on market $169,900 Active 8 DOM
13. 2026-06-01
    days on market $169,900 Active 7 DOM
14. 2026-05-31
    days on market $169,900 Active 6 DOM
15. 2026-05-30
    days on market $169,900 Active 5 DOM
16. 2026-05-25
    listed $169,900 Active
17. 2009-11-12
    soldstatus $18,000 197-char remark

    Show marketing remark (197 chars)

    Pack your bags and move! This lovely 3 bedroom, 2 bath single wide in Shalako Park boasts low lot rent. Very good condition. Lot has nice yard. Large deck on home and a shed with electric and heat.

18. 2009-09-24
    historical 197-char remark

    Show marketing remark (197 chars)

    Pack your bags and move! This lovely 3 bedroom, 2 bath single wide in Shalako Park boasts low lot rent. Very good condition. Lot has nice yard. Large deck on home and a shed with electric and heat.

19. 2009-08-27
    listed $18,900 197-char remark

    Show marketing remark (197 chars)

    Pack your bags and move! This lovely 3 bedroom, 2 bath single wide in Shalako Park boasts low lot rent. Very good condition. Lot has nice yard. Large deck on home and a shed with electric and heat.

20. 2006-05-24
    soldstatus $24,000 263-char remark

    Show marketing remark (263 chars)

    Immaculate, great condition 14x72 Fleetwood mobile is ready for immediate occupancy. Eat-in kitchen with gas range, laundry room, living room with vaulted ceiling. Large master bath with double-bowl vanity, garden tub and separate shower. Deck, shed, central air.

21. 2006-05-22
    historical 263-char remark

    Show marketing remark (263 chars)

    Immaculate, great condition 14x72 Fleetwood mobile is ready for immediate occupancy. Eat-in kitchen with gas range, laundry room, living room with vaulted ceiling. Large master bath with double-bowl vanity, garden tub and separate shower. Deck, shed, central air.

22. 2006-05-22
    historical

    Show marketing remark (263 chars)

    Immaculate, great condition 14x72 Fleetwood mobile is ready for immediate occupancy. Eat-in kitchen with gas range, laundry room, living room with vaulted ceiling. Large master bath with double-bowl vanity, garden tub and separate shower. Deck, shed, central air.

23. 2006-01-04
    listed $28,900 263-char remark

    Show marketing remark (263 chars)

    Immaculate, great condition 14x72 Fleetwood mobile is ready for immediate occupancy. Eat-in kitchen with gas range, laundry room, living room with vaulted ceiling. Large master bath with double-bowl vanity, garden tub and separate shower. Deck, shed, central air.

24. 2006-01-04
    listed $28,900

    Show marketing remark (263 chars)

    Immaculate, great condition 14x72 Fleetwood mobile is ready for immediate occupancy. Eat-in kitchen with gas range, laundry room, living room with vaulted ceiling. Large master bath with double-bowl vanity, garden tub and separate shower. Deck, shed, central air.

25. 2003-11-14
    historical
26. 2003-05-13
    listed $29,900

ⓘ 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: $696 · $58/mo
• Projected year-2 tax: $1,690 · $141/mo
• Expected delta: +$994/yr (+$83/mo · 142.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,544
• − Mortgage interest: −$9,517
• − Property taxes: −$696
• − Insurance: −$850
• − Repairs & maintenance: −$1,484
• − Management: −$1,484
• − Depreciation: −$4,943
• Taxable loss: −$428
• Est. tax savings @ 24.0%: +$103
• After-tax cash flow: $2,515/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: Eastern York SD
• NCES district ID: 4208790
• Math proficiency: 40% ▼ -18.00%
• Reading proficiency: 64% ▼ -11.00%
• Median HH income: $56,178
• Composite: 44.94/100
• National rank: #2712
• State rank: #146 of 539 in PA

Livability — Lower Windsor

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

Census & demographics

• Population (ZIP): 6,350

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 (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Black 6% Two or more races 5%
• Hispanic origin (detail): Mexican 5% Puerto Rican 2%
• Common ancestry: Romanian 2% Slovak 1% Polish 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 2%

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: ▼ -0.56%
• Current HPI: 274.8409
• 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

+468.2% since first listed

11 events — show timeline

• 2026-05-25 Listed $169,900 BRIGHT MLS
• 2009-11-12 Sold (MLS) $18,000 BRIGHT MLS
• 2009-09-24 Listing Removed — BRIGHT MLS
• 2009-08-27 Listed $18,900 BRIGHT MLS
• 2006-05-24 Sold (MLS) $24,000 BRIGHT MLS
• 2006-05-22 Listing Removed — BRIGHT MLS
• 2006-05-22 Listing Removed — BRIGHT MLS
• 2006-01-04 Listed $28,900 BRIGHT MLS
• 2006-01-04 Listed $28,900 BRIGHT MLS
• 2003-11-14 Listing Removed — BRIGHT MLS
• 2003-05-13 Listed $29,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $696 · +5.2% YoY. Source: county tax records.