713 Catharine St · Duquesne, PA 15110

$40,000

4 bd · 1.5 ba · 1,572 sqft · SingleFamily public records · 23 Days on market

Built 1910 5,000 sqft lot

---

Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +2.1/10.0
• Schools +1.3/10.0

Listing remarks

Located in the heart of Duquesne, 713 Catharine St offers 3 bedrooms and 2 bathrooms with spacious room sizes and a functional layout designed for comfortable everyday living. A covered front porch welcomes guests, while the four seasons room provides additional flexible living space year-round. The home features tons of storage throughout and an oversized detached garage with guaranteed off-street parking. Conveniently situated close to local amenities, shopping, dining, and major roadways, this property combines space, practicality, and accessibility in one well-rounded package.

Key facts

• Covered front porch
• Four seasons room
• Tons of storage

Tags

• COVERED FRONT PORCH
• FOUR SEASONS ROOM
• TONS OF STORAGE
• OVERSIZED DETACHED GARAGE
• OFF-STREET PARKING
• CLOSE TO LOCAL AMENITIES

Property features AI

Exterior

• Parking: Detached garage
• Utilities: Public water; Public sewer
• Home design: 2-story house
• Exterior features: Public water; Public sewer; Resale property

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Gas radiant heating
• Interior features: Unfinished basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $40k.

Deal economics

• At list price, monthly cash flow is $899 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $40k).
• Recommended offer: $39k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#927 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D+, schools F, crime F.
• Duquesne City SD (suburban): math 10% / reading 15% proficiency, ranked #611 of 658 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 97% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 19 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $277 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($39k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $20k; list at $40k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $39,400 (1.5% below list)

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 3.63% ✓
• Cap rate: 33.27%
• Cash-on-cash: 96.33%
• DSCR: 5.29
• GRM: 2.3

CMA / ARV

• ARV (on-the-fly): $169,776
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1149 Goldstrohm Ln	0.21mi	3/1.5 (-1)	1,632 (+4%)	16mo	$124,315	$76	65
111 Auriles St	0.29mi	4/2.0	1,748 (+11%)	1mo	$87,500	$50	65
1606 Maryland Ave	0.56mi	3/2.0 (-1)	1,555 (-1%)	3mo	$167,500	$108	62
1013 Edith St	0.49mi	3/2.0 (-1)	1,512 (-4%)	6mo	$19,000	$13	59
1739 Maine Ave	0.65mi	3/2.5 (-1)	1,600 (+2%)	12mo	$212,500	$133	48
1115 Karl Ave	0.25mi	3/1.5 (-1)	1,376 (-12%)	19mo	$42,000	$31	47
439 Ford St	0.57mi	4/2.5	1,375 (-12%)	10mo	$152,000	$111	40
404 Carnegie St	0.55mi	3/1.5 (-1)	1,408 (-10%)	15mo	$165,000	$117	40
1804 Iowa Ave	0.66mi	3/2.5 (-1)	1,806 (+15%)	5mo	$210,000	$116	31
112 Grant Avenue Ext	0.65mi	4/1.0	1,350 (-14%)	16mo	$142,000	$105	31

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: 97.3%
• Equity multiple: 5.53×
• Total profit: $50,788
• Equity at exit: $5,964

10-year hold

• IRR: 99.9%
• Equity multiple: 11.53×
• Total profit: $117,981
• Equity at exit: $3,458

Cash invested: $11,200 (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 15110

• Home prices YoY: -4.0%
• Active inventory: 19
• Price-to-rent: 2.3×

Monthly cashflow live

• Estimated rent: $1,452 high
• Mortgage (P&I): −$210
• Tax from tax record: −$21 /mo · $255/yr
• Insurance: −$17
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $899

Break-even live

Break-even rent $314

Max offer price $40,000

Occupancy floor 33%

Sensitivity live

Price	-10% $922	-5% $910	+0% $899	+5% $888	+10% $876
Rent	-10% $784	-5% $842	+0% $899	+5% $956	+10% $1,014
Rate	-1.0pp $919	-0.5pp $909	base $899	+0.5pp $889	+1.0pp $878

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: $10,000
• Closing costs: $1,200
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
827 Hinnerman St Duquesne, PA	3.0	1.0	1136	$1,250	$1.10	24d	1	0.17mi
201 S 4th St Duquesne, PA	3.0	1.0	1200	$1,385	$1.15	44d	1	0.28mi
19 S 6th St Duquesne, PA	3.0	1.0	2100	$1,675	$0.80	24d	1	0.39mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	44d	1	0.44mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	44d	1	0.94mi
715 Grant Avenue Ext West Mifflin, PA	3.0	2.0	1400	$1,450	$1.04	8d	1	1.08mi
800 Richford St Duquesne, PA	3.0	1.0	1300	$1,600	$1.23	24d	1	1.16mi
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	15d	1	1.41mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	1.47mi
1607 Girard Ave North Versailles, PA	3.0	2.0	1400	$1,595	$1.14	24d	1	1.48mi

Listing history 17 events

1. 2026-06-21
   days on market $40,000 Active 23 DOM
2. 2026-06-18
   days on market $40,000 Active 20 DOM
3. 2026-06-17
   status $40,000 Active 19 DOM
4. 2026-06-17
   days on market $40,000 Contingent 19 DOM
5. 2026-06-16
   days on market $40,000 Contingent 18 DOM
6. 2026-06-15
   days on market $40,000 Contingent 17 DOM
7. 2026-06-13
   days on market $40,000 Contingent 15 DOM
8. 2026-06-09
   days on market $40,000 Contingent 11 DOM
9. 2026-06-08
   statusdays on market $40,000 Contingent 10 DOM
10. 2026-06-07
    days on market $40,000 Active 9 DOM
11. 2026-06-05
    days on market $40,000 Active 6 DOM
12. 2026-06-03
    days on market $40,000 Active 5 DOM
13. 2026-06-02
    days on market $40,000 Active 4 DOM
14. 2026-06-01
    days on market $40,000 Active 3 DOM
15. 2026-05-31
    days on market $40,000 Active 2 DOM
16. 2026-05-29
    listed $40,000 Active
17. 1982-10-26
    soldstatus $20,000

ⓘ 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: $255 · $21/mo
• Projected year-2 tax: $443 · $37/mo
• Expected delta: +$189/yr (+$16/mo · 74.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,420
• − Mortgage interest: −$2,241
• − Property taxes: −$255
• − Insurance: −$200
• − Repairs & maintenance: −$1,394
• − Management: −$1,394
• − Depreciation: −$1,164
• Taxable income: $10,773
• Est. tax owed @ 24.0%: −$2,586
• After-tax cash flow: $8,204/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: Duquesne City SD
• NCES district ID: 4208010
• Math proficiency: 10% ▲ 4.00%
• Reading proficiency: 15% ▬ 0.00%
• Median HH income: $24,173
• Composite: 12.77/100
• National rank: #14546
• State rank: #611 of 658 in PA

Livability — Duquesne

• Score: 68/100
• State rank: #927
• US rank: #10089

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Duquesne, PA
• City population: 5,186
• Population (ZIP): 5,186

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: Black 44% White 37% Two or more races 16% Hispanic / Latino 3%
• Common ancestry: Romanian 3% Lithuanian 2% Slovene 1%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -5.75%
• Current HPI: 138.4974
• 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

+100.0% since first listed

2 events — show timeline

• 2026-05-29 Listed $40,000 West Penn MLS
• 1982-10-26 Sold (Public Records) $20,000 Public Records

Property tax history

-3.6%/yr

Latest (2026): $255 · +2.9% YoY. Source: county tax records.