810 14th St · Huntingdon, PA 16652

$18,000

3 bd · 2.0 ba · 1,394 sqft · SingleFamily public records · 24 Days on market

Built 1928

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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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

$20K & acirc; & euro; & ldquo; Investor Special / Full Rehab or Rebuild (Direct Buyers Only) 4BR / 2BA home with family room located in a convenient area near hospital, schools, and Juniata College, plus grocery and everyday essentials. Just minutes from Raystown Lake. This home was once a place where a larger household could comfortably live and grow. With four bedrooms, two full baths, and a family room, the layout itself is increasingly hard to find & acirc; & euro; & rdquo; especially at this price point. For the right buyer, this is an opportunity to restore that space for a new chapter or start fresh and build something new. Property is in major disrepair, in

Key facts

• Near schools
• Near hospital
• Near grocery

Tags

• FAMILY ROOM
• CONVENIENT AREA
• NEAR HOSPITAL
• NEAR SCHOOLS
• NEAR JUNIATA COLLEGE
• NEAR GROCERY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $18k.

Deal economics

• At list price, monthly cash flow is $782 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $18k).
• Recommended offer: $18k (1.5% below list) — sets the bar for market timing.
• Cap rate 62.1% vs local median 3.6% in Huntingdon — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 66/100 on livability (#1,050 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.
• Huntingdon Area SD (town): math 32% / reading 47% proficiency, ranked #366 of 539 in PA (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 73 active listings in the ZIP; 70 units permitted in Huntingdon County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $124 of loan paydown is wiped out by about $540 of value loss. Plan a longer hold.
• Huntingdon County population projected at -14% 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 $5k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($18k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1928 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $17,730 (1.5% below list)

Questions for the listing agent

1. Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 6.77% ✓
• Cap rate: 62.15%
• Cash-on-cash: 199.48%
• DSCR: 9.88
• GRM: 1.2

CMA / ARV

• ARV (on-the-fly): $129,642
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
521 13th St	0.16mi	3/1.0	1,327 (-5%)	3mo	$77,000	$58	78
1413 Mifflin St	0.28mi	3/1.0	1,482 (+6%)	1mo	$165,000	$111	71
1319 Washington St	0.35mi	2/1.5 (-1)	1,348 (-3%)	1mo	$125,000	$93	70
408 Church St	0.64mi	3/1.5	1,388 (-0%)	2mo	$73,550	$53	66
805 Fifth St	0.42mi	3/1.5	1,512 (+8%)	7mo	$155,000	$103	58
2622 Shadyside Ave	0.67mi	3/2.5	1,500 (+8%)	1mo	$240,000	$160	53
510 5th St	0.56mi	3/1.5	1,547 (+11%)	1mo	$101,000	$65	52
710 7th St	0.37mi	3/1.5	1,600 (+15%)	5mo	$85,000	$53	51
1135 Washington St	0.38mi	4/1.5 (+1)	1,600 (+15%)	1mo	$175,000	$109	50
230 Church St	0.71mi	2/2.0 (-1)	1,280 (-8%)	2mo	$75,000	$59	47
219 19th St	0.60mi	2/2.0 (-1)	1,188 (-15%)	0mo	$195,501	$165	42
424 Moore St	0.56mi	3/1.0	1,186 (-15%)	6mo	$37,000	$31	40

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 10.32×
• Total profit: $46,958
• Equity at exit: $2,684

10-year hold

• IRR: —
• Equity multiple: 21.88×
• Total profit: $105,258
• Equity at exit: $1,556

Cash invested: $5,040 (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 16652

• Home prices YoY: -21.5%
• Active inventory: 73
• Price-to-rent: 1.2×

Monthly cashflow live

• Estimated rent: $1,218 medium
• Mortgage (P&I): −$94
• Tax est. 1.5%: −$22 /mo · $270/yr
• Insurance: −$8
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $782

Break-even live

Break-even rent $228

Max offer price $18,000

Occupancy floor 31%

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: $4,500
• Closing costs: $540
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-19
   days on market $18,000 Active 24 DOM
2. 2026-06-18
   days on market $18,000 Active 23 DOM
3. 2026-06-17
   days on market $18,000 Active 22 DOM
4. 2026-06-16
   days on market $18,000 Active 21 DOM
5. 2026-06-15
   days on market $18,000 Active 20 DOM
6. 2026-06-14
   days on market $18,000 Active 18 DOM
7. 2026-06-13
   days on market $18,000 Active 17 DOM
8. 2026-06-10
   days on market $18,000 Active 15 DOM
9. 2026-06-09
   days on market $18,000 Active 14 DOM
10. 2026-06-08
    days on market $18,000 Active 13 DOM
11. 2026-06-07
    days on market $18,000 Active 12 DOM
12. 2026-06-02
    days on market $18,000 Active 7 DOM
13. 2026-06-01
    days on market $18,000 Active 6 DOM
14. 2026-05-31
    days on market $18,000 Active 5 DOM
15. 2026-05-30
    days on market $18,000 Active 4 DOM
16. 2026-05-26
    listed $18,000 Active
17. 2025-02-28
    historical
18. 2025-01-25
    price $59,900
19. 2024-10-31
    price $63,900
20. 2024-10-17
    listed $65,000 Active
21. 2024-10-17
    historical
22. 1992-06-06
    soldstatus $49,500

ⓘ 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 8/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,616
• − Mortgage interest: −$1,008
• − Property taxes: −$270
• − Insurance: −$756
• − Repairs & maintenance: −$1,169
• − Management: −$1,169
• − Depreciation: −$524
• Taxable income: $9,719
• Est. tax owed @ 24.0%: −$2,332
• After-tax cash flow: $7,055/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: Huntingdon Area SD
• NCES district ID: 4212090
• Math proficiency: 32% ▲ 1.00%
• Reading proficiency: 47% ▼ -4.00%
• Median HH income: $43,534
• Composite: 33.4/100
• National rank: #5478
• State rank: #366 of 539 in PA

Livability — Huntingdon

• Score: 66/100
• State rank: #1050
• US rank: #11779

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntingdon, PA
• Population (ZIP): 15,858

Population outlook (Huntingdon County) Hauer SSP2

• Today (2025): 44,212 people
• By 2030: 43,057 · -2.6%
• By 2040: 40,537 · -8.3%
• By 2050: 37,844 · -14.4%
• By 2075: 31,411 · -29.0%
• By 2100: 23,907 · -45.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 6% Black 5% Hispanic / Latino 2%
• Common ancestry: Romanian 3% Slovak 3% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · Huntingdon

• 2024 margin: Solid R (+52.9) · D 23.2% · R 76.1%
• 2008→2024 swing: -25.4pp toward R · 2008: -27.5pp · 2024: -52.9pp
• All cycles: 2024: R+52.9 2020: R+51.0 2016: R+50.7 2012: R+37.4 2008: R+27.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.10%
• Current HPI: 197.6958
• 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

-63.6% since first listed

7 events — show timeline

• 2026-05-26 Listed $18,000 FSBO.com
• 2025-02-28 Listing Removed — BRIGHT MLS
• 2025-01-25 Price Changed $59,900 BRIGHT MLS
• 2024-10-31 Price Changed $63,900 BRIGHT MLS
• 2024-10-17 Listed $65,000 BRIGHT MLS
• 2024-10-17 Coming Soon — BRIGHT MLS
• 1992-06-06 Sold (Public Records) $49,500 Public Records

Property tax history

+3.4%/yr

Latest (2026): $2,416 · +4.0% YoY. Source: county tax records.