1649 Iselin Rd · Young, PA 15681

$49,000

4 bd · 1.0 ba · 832 sqft · SingleFamily public records · 37 Days on market

Built 1940 4,499 sqft lot $59/sqft · 71% above area

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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
• Appreciation +3.1/10.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Duplex Investment Opportunity – 1647 & 1649 Iselin Rd, Saltsburg, PA Located in the Apollo-Ridge School District, this side-by-side duplex in Saltsburg, PA offers an exceptional opportunity for investors seeking cash-flow potential. Each unit sits on its own parcel—allowing for flexible resale or financing options—and is priced individually at $40,000. Together, the properties feature 2 separate units with a total of 4 bedrooms and 2 bathrooms (2 beds/1 bath per unit). With separate parcel numbers, this is an ideal setup for investors looking to house-hack, rent both units, or live in one and rent the other. These properties are being offered individually or as part of a 4-property portfolio priced at $150,000, which includes: 1647 Iselin Rd 1649 Iselin Rd 308 Point St, Saltsburg 2127 Leckrone 1 Rd, Masontown This is a rare chance to pick up multiple properties with strong upside potential through rehab and rental income.

Key facts

• Side-by-side duplex
• Major renovation
• Multi-unit property

Tags

• APOLLO-RIDGE SCHOOL DISTRICT
• SIDE-BY-SIDE DUPLEX
• SEPARATE LIVING SPACES
• MAJOR RENOVATION
• SPACIOUS OUTDOOR AREA
• MULTI-UNIT PROPERTY

Property features AI

Exterior

• Home design: 2-story home; Asphalt roof; Frame construction
• Construction: Built with frame construction; Asphalt roof
• Exterior features: Small lot (approximately 0.10 acres)

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Resale condition

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $49k.

Deal economics

• At list price, monthly cash flow is $464 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($988 rent vs $49k).
• Recommended offer: $48k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Apollo-Ridge SD (rural): math 23% / reading 45% proficiency, ranked #425 of 539 in PA (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 6 active listings in the ZIP; 44 units permitted in Indiana County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $339 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Indiana County population projected at -18% 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 $14k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $47,530 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 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: 2.02% ✓
• Cap rate: 17.67%
• Cash-on-cash: 40.62%
• DSCR: 2.81
• GRM: 4.1

CMA / ARV

• ARV (median comp): $28,613
• List price: $49,000
• Delta: 71.25%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 37.1%
• Equity multiple: 2.58×
• Total profit: $21,643
• Equity at exit: $7,306

10-year hold

• IRR: 43.7%
• Equity multiple: 5.15×
• Total profit: $56,942
• Equity at exit: $4,237

Cash invested: $13,720 (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 15681

• Home prices YoY: -2.1%
• Active inventory: 6
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $988 medium
• Mortgage (P&I): −$257
• Tax from tax record: −$38 /mo · $460/yr
• Insurance: −$20
• HOA: −$0
• Vacancy / Maint / Mgmt: −$207
• Net cashflow: $464

Break-even live

Break-even rent $400

Max offer price $49,000

Occupancy floor 48%

Sensitivity live

Price	-10% $492	-5% $478	+0% $464	+5% $451	+10% $437
Rent	-10% $386	-5% $425	+0% $464	+5% $503	+10% $542
Rate	-1.0pp $489	-0.5pp $477	base $464	+0.5pp $452	+1.0pp $439

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: $12,250
• Closing costs: $1,470
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-21
   days on market $49,000 Active 37 DOM
2. 2026-06-18
   days on market $49,000 Active 35 DOM
3. 2026-06-17
   days on market $49,000 Active 34 DOM
4. 2026-06-16
   days on market $49,000 Active 33 DOM
5. 2026-06-15
   days on market $49,000 Active 32 DOM
6. 2026-06-13
   days on market $49,000 Active 30 DOM
7. 2026-06-12
   days on market $49,000 Active 29 DOM
8. 2026-06-09
   days on market $49,000 Active 26 DOM
9. 2026-06-08
   days on market $49,000 Active 25 DOM
10. 2026-06-08
    days on market $49,000 Active 24 DOM
11. 2026-06-07
    days on market $49,000 Active 23 DOM
12. 2026-06-04
    days on market $49,000 Active 20 DOM
13. 2026-06-02
    days on market $49,000 Active 19 DOM
14. 2026-06-01
    days on market $49,000 Active 18 DOM
15. 2026-05-31
    days on market $49,000 Active 17 DOM
16. 2026-05-11
    listed $49,000 Active 517-char remark
17. 2025-08-30
    historical Expired 959-char remark

    Show marketing remark (959 chars)

    Duplex Investment Opportunity – 1647 & 1649 Iselin Rd, Saltsburg, PA Located in the Apollo-Ridge School District, this side-by-side duplex in Saltsburg, PA offers an exceptional opportunity for investors seeking cash-flow potential. Each unit sits on its own parcel—allowing for flexible resale or financing options—and is priced individually at $40,000. Together, the properties feature 2 separate units with a total of 4 bedrooms and 2 bathrooms (2 beds/1 bath per unit). With separate parcel numbers, this is an ideal setup for investors looking to house-hack, rent both units, or live in one and rent the other. These properties are being offered individually or as part of a 4-property portfolio priced at $150,000, which includes: 1647 Iselin Rd 1649 Iselin Rd 308 Point St, Saltsburg 2127 Leckrone 1 Rd, Masontown This is a rare chance to pick up multiple properties with strong upside potential through rehab and rental income.

18. 2025-05-28
    listed $40,000 Active 959-char remark

    Show marketing remark (959 chars)

    Duplex Investment Opportunity – 1647 & 1649 Iselin Rd, Saltsburg, PA Located in the Apollo-Ridge School District, this side-by-side duplex in Saltsburg, PA offers an exceptional opportunity for investors seeking cash-flow potential. Each unit sits on its own parcel—allowing for flexible resale or financing options—and is priced individually at $40,000. Together, the properties feature 2 separate units with a total of 4 bedrooms and 2 bathrooms (2 beds/1 bath per unit). With separate parcel numbers, this is an ideal setup for investors looking to house-hack, rent both units, or live in one and rent the other. These properties are being offered individually or as part of a 4-property portfolio priced at $150,000, which includes: 1647 Iselin Rd 1649 Iselin Rd 308 Point St, Saltsburg 2127 Leckrone 1 Rd, Masontown This is a rare chance to pick up multiple properties with strong upside potential through rehab and rental income.

ⓘ 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: $460 · $38/mo
• Projected year-2 tax: $617 · $51/mo
• Expected delta: +$157/yr (+$13/mo · 34.2%)

ⓘ 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 3/10 Moderate 7 d/yr ≥95°F today · 17 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: $11,850
• − Mortgage interest: −$2,745
• − Property taxes: −$460
• − Insurance: −$245
• − Repairs & maintenance: −$948
• − Management: −$948
• − Depreciation: −$1,425
• Taxable income: $5,079
• Est. tax owed @ 24.0%: −$1,219
• After-tax cash flow: $4,355/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: Apollo-Ridge SD
• NCES district ID: 4202550
• Math proficiency: 23% ▼ -14.00%
• Reading proficiency: 45% ▼ -19.00%
• Median HH income: $43,741
• Composite: 28.83/100
• National rank: #6654
• State rank: #425 of 539 in PA

Livability — Young

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

Census & demographics

• Population (ZIP): 4,506

Population outlook (Indiana County) Hauer SSP2

• Today (2025): 84,294 people
• By 2030: 81,773 · -3.0%
• By 2040: 75,213 · -10.8%
• By 2050: 69,348 · -17.7%
• By 2075: 57,951 · -31.3%
• By 2100: 47,313 · -43.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Hispanic / Latino 2% Asian 2%
• Common ancestry: Romanian 10% Scotch-Irish 2% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Indiana

• 2024 margin: Solid R (+39.1) · D 30.1% · R 69.2%
• 2008→2024 swing: -32.0pp toward R · 2008: -7.1pp · 2024: -39.1pp
• All cycles: 2024: R+39.1 2020: R+37.5 2016: R+35.6 2012: R+18.8 2008: R+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.88%
• Current HPI: 177.3291
• 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

+22.5% since first listed

3 events — show timeline

• 2026-05-11 Listed $49,000 West Penn MLS
• 2025-08-30 Delisted — West Penn MLS
• 2025-05-28 Listed $40,000 West Penn MLS

Property tax history

+7.0%/yr

Latest (2026): $460 · +6.0% YoY. Source: county tax records.