307 Lambert St · Central City, PA 15926

$107,000

6 bd · 0.5 ba · 2,298 sqft · SingleFamily public records · 258 Days on market

Built 1965 4,791 sqft lot $47/sqft · at area comps Est $93k · 16% over

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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 +27.1/30.0
• DSCR +9.4/10.0
• 1% rule +7.6/10.0
• Appreciation +6.9/10.0
• Schools +4.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.5/15.0

Listing remarks MLS

Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You'll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

Key facts

• Living room
• Newer updates
• Family room

Tags

• FAMILY ROOM
• LIVING ROOM
• FORMAL DINING AREA
• MAIN-LEVEL LAUNDRY
• MUDROOM
• NEWER UPDATES

What this means for you Summary

Snapshot

• This is a 6-bed/0.5-bath single-family listed at $107k.

Deal economics

• At list price, monthly cash flow is $303 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $107k).
• Recommended offer: $94k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#1,333 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: schools F, amenities F, commute F.
• Shade-Central City SD (rural): math 45% / reading 55% proficiency, ranked #411 of 658 in PA (top 62%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 25 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 $5k of equity ($740 loan paydown + $4k appreciation (3.9% 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 (3.9% appreciation + 3.0% rent growth), your $30k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 258 days — a 12% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 20y ago; this cycle's ask has dropped $8k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $28k; list at $107k implies a 289% gain — meaningful room to come down on a strong offer.

Recommended offer $94,160 (12.0% below list)

Questions for the listing agent

1. It's been on market 258 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.26% ✓
• Cap rate: 9.69%
• Cash-on-cash: 12.14%
• DSCR: 1.54
• GRM: 6.6

CMA / ARV

• ARV (median comp): $92,569
• List price: $107,000
• Delta: 15.59%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

3.89% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.9%
• Equity multiple: 2.25×
• Total profit: $37,330
• Equity at exit: $53,540

10-year hold

• IRR: 21.3%
• Equity multiple: 4.33×
• Total profit: $99,824
• Equity at exit: $87,007

Cash invested: $29,960 (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 15926

• Home prices YoY: 2.6%
• Active inventory: 25
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,346 medium
• Mortgage (P&I): −$561
• Tax from tax record: −$155 /mo · $1,857/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $303

Break-even live

Break-even rent $963

Max offer price $107,000

Occupancy floor 72%

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: $26,750
• Closing costs: $3,210
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $107,000 Active 258 DOM
2. 2026-06-17
   days on market $107,000 Active 257 DOM
3. 2026-06-16
   days on market $107,000 Active 256 DOM
4. 2026-06-15
   days on market $107,000 Active 255 DOM
5. 2026-06-13
   days on market $107,000 Active 253 DOM
6. 2026-06-12
   days on market $107,000 Active 252 DOM
7. 2026-06-09
   days on market $107,000 Active 249 DOM
8. 2026-06-08
   days on market $107,000 Active 248 DOM
9. 2026-06-08
   days on market $107,000 Active 247 DOM
10. 2026-06-05
    days on market $107,000 Active 245 DOM
11. 2026-06-04
    days on market $107,000 Active 243 DOM
12. 2026-06-02
    days on market $107,000 Active 242 DOM
13. 2026-06-01
    days on market $107,000 Active 241 DOM
14. 2026-05-31
    days on market $107,000 Active 240 DOM
15. 2026-01-15
    price $107,000 922-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

16. 2026-01-15
    price $107,000 928-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

17. 2025-11-03
    price $110,000 922-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

18. 2025-11-03
    price $110,000 928-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

19. 2025-10-03
    listed $115,000 Active 922-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

20. 2025-10-03
    listed $115,000 Active 928-char remark

    Show marketing remark (928 chars)

    Step inside a home with great bones and an exciting future! The main level has spacious rooms that could be easily refreshed with new flooring, bright paint, and a stylish kitchen makeover. You’ll find both a family room and living room, a formal dining area, convenient main-level laundry with full bath, and convenient mudroom off the kitchen. The upper level shines with newer updates. Fresh Carpet, windows, insulation and an updated bath. The unfinished, 31x31 attic space is waiting for your vision, dreamy primary suite or bonus living space. Relax on the covered front porch or play with your furry friend in the backyard. Paved 3+ car off-street parking spot for added conveinence. Adventure is always close - enjoy summer days at Indian Lake, explore history at the Flight 93 Memorial, or travel through the mountains to Ligonier and Bedford for year-round activities. Bring your ideas and watch it come to life!

21. 2006-11-20
    soldstatus $27,500
22. 2006-11-20
    soldstatus $27,500
23. 2006-08-09
    listed $37,500

ⓘ 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: $1,857 · $155/mo
• Projected year-2 tax: $1,857 · $155/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 2/10 Low 7 d/yr ≥87°F today · 19 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: $16,155
• − Mortgage interest: −$5,994
• − Property taxes: −$1,857
• − Insurance: −$535
• − Repairs & maintenance: −$1,292
• − Management: −$1,292
• − Depreciation: −$3,113
• Taxable income: $2,072
• Est. tax owed @ 24.0%: −$497
• After-tax cash flow: $3,140/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: Shade-Central City SD
• NCES district ID: 4221180
• Math proficiency: 45% ▲ 2.00%
• Reading proficiency: 55% ▼ -2.00%
• Median HH income: $39,850
• Composite: 43.81/100
• National rank: #6340
• State rank: #411 of 658 in PA

Livability — Central City

• Score: 62/100
• State rank: #1333
• US rank: #16460

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Central City, PA
• Population (ZIP): 2,474

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 (98%)
• Race & ethnicity: White 98% Two or more races 1%
• Common ancestry: Romanian 14% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · Vietnam
• Languages at home: 96% English-only · German/W. Germanic 3% Russian/Polish/Slavic 1%

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: ▲ 3.89%
• Current HPI: 151.1455
• 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

+185.3% since first listed

9 events — show timeline

• 2026-01-15 Price Changed $107,000 CSMLS
• 2026-01-15 Price Changed $107,000 West Penn MLS
• 2025-11-03 Price Changed $110,000 CSMLS
• 2025-11-03 Price Changed $110,000 West Penn MLS
• 2025-10-03 Listed $115,000 West Penn MLS
• 2025-10-03 Listed $115,000 CSMLS
• 2006-11-20 Sold (Public Records) $27,500 Public Records
• 2006-11-20 Sold (MLS) $27,500 CSMLS
• 2006-08-09 Listed $37,500 CSMLS

Property tax history

+2.0%/yr

Latest (2026): $1,857 · +6.6% YoY. Source: county tax records.