305 Mountain Rd · Scott, PA 18847

$114,900

3 bd · 1.0 ba · 1,549 sqft · SingleFamily public records · 91 Days on market

Built 1965 0.67 ac lot $74/sqft · 58% below area

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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 +23.7/30.0
• DSCR +7.6/10.0
• ARV discount +7.5/15.0
• Appreciation +7.5/10.0
• 1% rule +6.3/10.0
• Schools +4.7/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Enjoy the charm of country living with this spacious and flexible 3-bedroom home, offering the potential for a 4th bedroom or bonus space and 2 full bathrooms. Set in a peaceful setting, the property provides a sense of privacy while still offering a practical layout for everyday living. Surrounded by over 3,000 acres of PA games lands, Inside, a bright and airy kitchen with stainless steel appliances opens to a combined living and dining area, creating an inviting space with great flow. The living and dining areas feature fresh paint and new flooring, adding a clean, updated feel. The generously sized primary bedroom offers comfort and flexibility, while two recently renovated upstairs bedrooms showcase additional updates and modern touches. Several upgrades have already been completed, including new roof in 2024, 5 efficient mini-split systems for year-round comfort. With key improvements in place, this home offers a strong foundation with the opportunity to complete remaining finishes to your liking. Offering space, flexibility, and updates already in place, with most of the work done for you--ready for the next owner to finish and make it their own. Close to Game lands and NY border.

Key facts

• Strong foundation
• New roof
• 0.67 acre lot

Tags

• BRIGHT AND AIRY KITCHEN
• STAINLESS STEEL APPLIANCES
• NEW ROOF
• EFFICIENT MINI-SPLIT SYSTEMS
• STRONG FOUNDATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $218 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $105k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Wayne Highlands SD (town): math 48% / reading 64% proficiency, ranked #115 of 539 in PA (top 21%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 45 active listings in the ZIP; 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($794 loan paydown + $6k appreciation (5.0% local appreciation)).
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $70k; list at $115k implies a 64% gain — meaningful room to come down on a strong offer.

Recommended offer $104,559 (9.0% below list)

Questions for the listing agent

1. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% 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. 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: 1.13% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.12%
• DSCR: 1.36
• GRM: 7.4

CMA / ARV

• ARV (median comp): $356,960
• List price: $114,900
• Delta: -67.81%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
89 Harris Rd	0.33mi	4/2.0 (+1)	1,667 (+8%)	13mo	$345,000	$207	52

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.01% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.9%
• Equity multiple: 2.26×
• Total profit: $40,419
• Equity at exit: $65,159

10-year hold

• IRR: 19.7%
• Equity multiple: 4.43×
• Total profit: $110,252
• Equity at exit: $112,495

Cash invested: $32,172 (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 18847

• Home prices YoY: 4.2%
• Active inventory: 45
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,294 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$154 /mo · $1,849/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $218

Break-even live

Break-even rent $1,018

Max offer price $114,900

Occupancy floor 78%

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-18
   days on market $114,900 Active 91 DOM
2. 2026-06-17
   days on market $114,900 Active 90 DOM
3. 2026-06-16
   days on market $114,900 Active 89 DOM
4. 2026-06-15
   days on market $114,900 Active 88 DOM
5. 2026-06-13
   days on market $114,900 Active 86 DOM
6. 2026-06-12
   days on market $114,900 Active 85 DOM
7. 2026-06-09
   days on market $114,900 Active 82 DOM
8. 2026-06-08
   days on market $114,900 Active 81 DOM
9. 2026-06-08
   days on market $114,900 Active 80 DOM
10. 2026-06-07
    days on market $114,900 Active 79 DOM
11. 2026-06-04
    days on market $114,900 Active 76 DOM
12. 2026-06-02
    days on market $114,900 Active 75 DOM
13. 2026-06-01
    days on market $114,900 Active 74 DOM
14. 2026-05-31
    days on market $114,900 Active 73 DOM
15. 2026-04-14
    price $114,900 1206-char remark

    Show marketing remark (1206 chars)

    Enjoy the charm of country living with this spacious and flexible 3-bedroom home, offering the potential for a 4th bedroom or bonus space and 2 full bathrooms. Set in a peaceful setting, the property provides a sense of privacy while still offering a practical layout for everyday living. Surrounded by over 3,000 acres of PA games lands, Inside, a bright and airy kitchen with stainless steel appliances opens to a combined living and dining area, creating an inviting space with great flow. The living and dining areas feature fresh paint and new flooring, adding a clean, updated feel. The generously sized primary bedroom offers comfort and flexibility, while two recently renovated upstairs bedrooms showcase additional updates and modern touches. Several upgrades have already been completed, including new roof in 2024, 5 efficient mini-split systems for year-round comfort. With key improvements in place, this home offers a strong foundation with the opportunity to complete remaining finishes to your liking. Offering space, flexibility, and updates already in place, with most of the work done for you--ready for the next owner to finish and make it their own. Close to Game lands and NY border.

16. 2026-03-30
    price $124,900 1206-char remark

    Show marketing remark (1206 chars)

    Enjoy the charm of country living with this spacious and flexible 3-bedroom home, offering the potential for a 4th bedroom or bonus space and 2 full bathrooms. Set in a peaceful setting, the property provides a sense of privacy while still offering a practical layout for everyday living. Surrounded by over 3,000 acres of PA games lands, Inside, a bright and airy kitchen with stainless steel appliances opens to a combined living and dining area, creating an inviting space with great flow. The living and dining areas feature fresh paint and new flooring, adding a clean, updated feel. The generously sized primary bedroom offers comfort and flexibility, while two recently renovated upstairs bedrooms showcase additional updates and modern touches. Several upgrades have already been completed, including new roof in 2024, 5 efficient mini-split systems for year-round comfort. With key improvements in place, this home offers a strong foundation with the opportunity to complete remaining finishes to your liking. Offering space, flexibility, and updates already in place, with most of the work done for you--ready for the next owner to finish and make it their own. Close to Game lands and NY border.

17. 2026-03-17
    listed $139,900 Active 1206-char remark

    Show marketing remark (1206 chars)

    Enjoy the charm of country living with this spacious and flexible 3-bedroom home, offering the potential for a 4th bedroom or bonus space and 2 full bathrooms. Set in a peaceful setting, the property provides a sense of privacy while still offering a practical layout for everyday living. Surrounded by over 3,000 acres of PA games lands, Inside, a bright and airy kitchen with stainless steel appliances opens to a combined living and dining area, creating an inviting space with great flow. The living and dining areas feature fresh paint and new flooring, adding a clean, updated feel. The generously sized primary bedroom offers comfort and flexibility, while two recently renovated upstairs bedrooms showcase additional updates and modern touches. Several upgrades have already been completed, including new roof in 2024, 5 efficient mini-split systems for year-round comfort. With key improvements in place, this home offers a strong foundation with the opportunity to complete remaining finishes to your liking. Offering space, flexibility, and updates already in place, with most of the work done for you--ready for the next owner to finish and make it their own. Close to Game lands and NY border.

18. 2023-11-27
    soldstatus $70,000

ⓘ 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: $1,849 · $154/mo
• Projected year-2 tax: $1,849 · $154/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 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥91°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,527
• − Mortgage interest: −$6,436
• − Property taxes: −$1,849
• − Insurance: −$574
• − Repairs & maintenance: −$1,242
• − Management: −$1,242
• − Depreciation: −$3,343
• Taxable income: $841
• Est. tax owed @ 24.0%: −$202
• After-tax cash flow: $2,411/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: Wayne Highlands SD
• NCES district ID: 4224970
• Math proficiency: 48% ▼ -12.00%
• Reading proficiency: 64% ▼ -10.00%
• Median HH income: $46,476
• Composite: 47.36/100
• National rank: #2292
• State rank: #115 of 539 in PA

Livability — Scott

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

Census & demographics

• Population (ZIP): 5,082

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 47,924 people
• By 2030: 46,191 · -3.6%
• By 2040: 42,815 · -10.7%
• By 2050: 39,873 · -16.8%
• By 2075: 34,556 · -27.9%
• By 2100: 28,358 · -40.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Romanian 5% Lithuanian 2% Iranian 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · German/W. Germanic 1%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+37.1) · D 31.1% · R 68.2%
• 2008→2024 swing: -24.8pp toward R · 2008: -12.3pp · 2024: -37.1pp
• All cycles: 2024: R+37.1 2020: R+33.6 2016: R+39.7 2012: R+20.9 2008: R+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.01%
• Current HPI: 124.2656
• 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

+64.1% since first listed

4 events — show timeline

• 2026-04-14 Price Changed $114,900 GSBR as distributed by MLS GRID
• 2026-03-30 Price Changed $124,900 GSBR as distributed by MLS GRID
• 2026-03-17 Listed $139,900 GSBR as distributed by MLS GRID
• 2023-11-27 Sold (Public Records) $70,000 Public Records

Property tax history

+5.0%/yr

Latest (2026): $1,849 · +2.4% YoY. Source: county tax records.