520 W Ogle St · Ebensburg, PA 15931

$129,900

2 bd · 1.0 ba · 1,176 sqft · MultiFamily · 16 Days on market

5,663 sqft lot $110/sqft · at area comps Est $134k · at est.

---

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 +13.8/30.0
• ARV discount +8.9/15.0
• Livability +4.4/5.0
• DSCR +4.2/10.0
• Schools +4.1/10.0
• 1% rule +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks MLS

Welcome to 520 W Ogle Street in the Ebensburg Borough! This charming Cape Cod offers a rare opportunity with a potential second dwelling or workshop, ideally located directly across from the ball field and playground, and just a short walk to the Ghost Town Trail. With a little TLC, this could be an incredible property. The main level features a spacious foyer, a large sun-filled living room, formal dining area, and a cozy kitchen with classic oak cabinetry. Upstairs, you'll find two comfortably sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and includes laundry. Outside, enjoy a covered front porch, off-street parking, and a large private yard. A standout feature is the detached 2-car garage with a potential apartment above, offering excellent possibilities for additional income, guest space, or a workshop. The upper unit will require a new sewer line and heating system to be fully functional. Don't miss this versatile property in a prime in-town location. Call today to schedule your private tour!

Key facts

• Covered front porch
• Large private yard
• 5,663 sq ft lot

Tags

• POTENTIAL SECOND DWELLING
• DETACHED 2-CAR GARAGE
• LARGE PRIVATE YARD
• COVERED FRONT PORCH
• SHORT WALK TO GHOST TOWN TRAIL

Property features AI

Exterior

• Parking: Detached off-street garage; 2 garage spaces
• Utilities: Public water; Public sewer (sewer available)
• Home design: Single Family Residence; Residential property; One-and-a-half to two story structure; 2 total stories
• Construction: Vinyl siding
• Exterior features: Shingle roof; Public maintained road frontage on a city street; Zoned residential

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating; Natural gas
• Interior features: Full, unfinished basement; Hot water heating; Natural gas heating

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath multifamily listed at $130k.

Deal economics

• At list price, monthly cash flow is $11 ($130/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 $110k (15.3% below list).
• Recommended offer: $110k (15.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 87/100 on livability (#53 in PA, #310 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing 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.
• Zoned schools: Cambria El Sch (math 45% / reading 61%, grade C, #571 of 1,518 statewide, top 38%, 450 students, 42% FRL); Central Cambria Ms (math 27% / reading 47%, grade F, #298 of 512 statewide, top 60%, 379 students, 39% FRL); Central Cambria Hs (math 67%, 559 students, 26% FRL).
• Market conditions: 39 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 $898 of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y 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.

Recommended offer $110,000 (15.3% 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. 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?
4. 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.
5. 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.
6. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.85% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.36%
• DSCR: 1.02
• GRM: 9.8

CMA / ARV

• ARV (median comp): $134,223
• List price: $129,900
• Delta: -3.22%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -15.7%
• Equity multiple: 0.44×
• Total profit: $-20,368
• Equity at exit: $19,369

10-year hold

• IRR: -7.3%
• Equity multiple: 0.54×
• Total profit: $-16,880
• Equity at exit: $11,231

Cash invested: $36,372 (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: 39
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,100 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$123 /mo · $1,474/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $11

Break-even live

Break-even rent $1,086

Max offer price $129,900

Occupancy floor 94%

Sensitivity live

Price	-10% $84	-5% $48	+0% $11	+5% $-26	+10% $-63
Rent	-10% $-76	-5% $-33	+0% $11	+5% $54	+10% $98
Rate	-1.0pp $76	-0.5pp $44	base $11	+0.5pp $-23	+1.0pp $-57

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: $32,475
• Closing costs: $3,897
• 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	45d	1	0.54mi

Listing history 7 events

1. 2026-05-14
   status Pending 1066-char remark

   Show marketing remark (1066 chars)

   Welcome to 520 W Ogle Street in the Ebensburg Borough! This charming Cape Cod offers a rare opportunity with a potential second dwelling or workshop, ideally located directly across from the ball field and playground, and just a short walk to the Ghost Town Trail. With a little TLC, this could be an incredible property. The main level features a spacious foyer, a large sun-filled living room, formal dining area, and a cozy kitchen with classic oak cabinetry. Upstairs, you'll find two comfortably sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and includes laundry. Outside, enjoy a covered front porch, off-street parking, and a large private yard. A standout feature is the detached 2-car garage with a potential apartment above, offering excellent possibilities for additional income, guest space, or a workshop. The upper unit will require a new sewer line and heating system to be fully functional. Don't miss this versatile property in a prime in-town location. Call today to schedule your private tour!

2. 2026-05-14
   status Pending 1066-char remark

   Show marketing remark (1066 chars)

   Welcome to 520 W Ogle Street in the Ebensburg Borough! This charming Cape Cod offers a rare opportunity with a potential second dwelling or workshop, ideally located directly across from the ball field and playground, and just a short walk to the Ghost Town Trail. With a little TLC, this could be an incredible property. The main level features a spacious foyer, a large sun-filled living room, formal dining area, and a cozy kitchen with classic oak cabinetry. Upstairs, you'll find two comfortably sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and includes laundry. Outside, enjoy a covered front porch, off-street parking, and a large private yard. A standout feature is the detached 2-car garage with a potential apartment above, offering excellent possibilities for additional income, guest space, or a workshop. The upper unit will require a new sewer line and heating system to be fully functional. Don't miss this versatile property in a prime in-town location. Call today to schedule your private tour!

3. 2026-04-27
   listed $129,900 Active 1066-char remark

   Show marketing remark (1066 chars)

   Welcome to 520 W Ogle Street in the Ebensburg Borough! This charming Cape Cod offers a rare opportunity with a potential second dwelling or workshop, ideally located directly across from the ball field and playground, and just a short walk to the Ghost Town Trail. With a little TLC, this could be an incredible property. The main level features a spacious foyer, a large sun-filled living room, formal dining area, and a cozy kitchen with classic oak cabinetry. Upstairs, you'll find two comfortably sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and includes laundry. Outside, enjoy a covered front porch, off-street parking, and a large private yard. A standout feature is the detached 2-car garage with a potential apartment above, offering excellent possibilities for additional income, guest space, or a workshop. The upper unit will require a new sewer line and heating system to be fully functional. Don't miss this versatile property in a prime in-town location. Call today to schedule your private tour!

4. 2026-04-27
   listed $129,900 Active 1066-char remark

   Show marketing remark (1066 chars)

   Welcome to 520 W Ogle Street in the Ebensburg Borough! This charming Cape Cod offers a rare opportunity with a potential second dwelling or workshop, ideally located directly across from the ball field and playground, and just a short walk to the Ghost Town Trail. With a little TLC, this could be an incredible property. The main level features a spacious foyer, a large sun-filled living room, formal dining area, and a cozy kitchen with classic oak cabinetry. Upstairs, you'll find two comfortably sized bedrooms and a full bathroom. The basement is unfinished but provides excellent storage space and includes laundry. Outside, enjoy a covered front porch, off-street parking, and a large private yard. A standout feature is the detached 2-car garage with a potential apartment above, offering excellent possibilities for additional income, guest space, or a workshop. The upper unit will require a new sewer line and heating system to be fully functional. Don't miss this versatile property in a prime in-town location. Call today to schedule your private tour!

5. 2016-07-28
   soldstatus $140,000
6. 2013-04-25
   listed $129,900
7. 2003-04-11
   soldstatus $42,000

ⓘ 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: $1,474 · $123/mo
• Projected year-2 tax: $1,763 · $147/mo
• Expected delta: +$289/yr (+$24/mo · 19.6%)

ⓘ 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 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: −$7,276
• − Property taxes: −$1,474
• − Insurance: −$650
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − Depreciation: −$3,779
• Taxable loss: −$2,091
• Est. tax savings @ 24.0%: +$502
• After-tax cash flow: $632/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

+209.3% since first listed

7 events — show timeline

• 2026-05-14 Pending — CSMLS
• 2026-05-14 Pending — AHARMLS
• 2026-04-27 Listed $129,900 CSMLS
• 2026-04-27 Listed $129,900 AHARMLS
• 2016-07-28 Sold (Public Records) $140,000 Public Records
• 2013-04-25 Listed $129,900 AHARMLS
• 2003-04-11 Sold (Public Records) $42,000 Public Records

Property tax history

+2.2%/yr

Latest (2026): $1,474 · +2.9% YoY. Source: county tax records.