909 Smithfield St · Elizabeth, PA 15135

$145,000

2 bd · 1.0 ba · 1,440 sqft · SingleFamily public records · 75 Days on market

Built 1900 5,575 sqft lot $101/sqft · 23% below area Est $189k · 23% under

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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).

• ARV discount +15.0/15.0
• Cash flow +7.7/30.0
• Schools +4.5/10.0
• Livability +3.5/5.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming, updated home just one block from the GAP Trail and the Youghiogheny River—perfect for biking, walking, and enjoying the outdoors right from your doorstep. This home offers great curb appeal, a detached two-car garage, driveway, and a tiered backyard with a spacious deck/pergola ideal for relaxing or entertaining. Inside, you’ll find a bright, inviting living space and a functional kitchen with stainless steel appliances and ample storage. Upstairs features well-sized, light-filled bedrooms and a clean, updated feel throughout. The bathroom includes a modern epoxy floor shower (May 2025) for a sleek, low-maintenance finish. Major updates for peace of mind: Roof (Nov 2025) Electrical & wiring (Nov 2025) Water heater (Aug 2023) Sewer line (Aug 2023) Move-in ready with major improvements already completed—this is an excellent opportunity in a location that’s hard to beat.

Key facts

• Functional kitchen
• Tiered backyard
• Spacious deck

Tags

• DETACHED TWO-CAR GARAGE
• TIERED BACKYARD
• SPACIOUS DECK
• FUNCTIONAL KITCHEN
• STAINLESS STEEL APPLIANCES
• MODERN EPOXY FLOOR SHOWER

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $-166 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $116k (20.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $109k (25.0% below list).
• Recommended offer: $109k (25.0% below list) — sets the bar for 1% rule.
• Cap rate 4.9% vs local median 2.9% in Elizabeth — 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 69/100 on livability (#818 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B+; Watch: amenities F, commute F, employment D-.
• Elizabeth Forward SD (suburban): math 41% / reading 65% proficiency, ranked #136 of 539 in PA (top 25%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 21 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 75 days — a 6% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y 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: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $108,739 (25.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 75 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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?
8. 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.
9. 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.
10. 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: 0.75% ✗
• Cap rate: 4.92%
• Cash-on-cash: -4.91%
• DSCR: 0.78
• GRM: 11.1

CMA / ARV

• ARV (median comp): $189,024
• List price: $145,000
• Delta: -23.29%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
407 Twele Rd	0.27mi	3/1.0 (+1)	1,260 (-12%)	6mo	$162,500	$129	57
1112 Summerset Dr	0.47mi	3/1.0 (+1)	1,387 (-4%)	12mo	$206,500	$149	57
1008 Schweitzer Rd	0.30mi	3/2.0 (+1)	1,288 (-11%)	4mo	$218,350	$170	56
811 Everglade Dr	0.59mi	3/1.0 (+1)	1,584 (+10%)	1mo	$175,000	$110	50
119 Oberdick Dr	0.47mi	3/1.5 (+1)	1,629 (+13%)	4mo	$215,000	$132	46
304 Terrace Dr	0.52mi	2/2.0	1,224 (-15%)	7mo	$200,000	$163	41
317 Circle Dr	0.75mi	3/2.0 (+1)	1,330 (-8%)	6mo	$278,000	$209	39
2686 Main St	0.66mi	3/1.0 (+1)	1,584 (+10%)	14mo	$210,000	$133	36
1208 Summerset Dr	0.55mi	3/1.0 (+1)	1,278 (-11%)	23mo	$180,000	$141	32
1210 High St	0.63mi	3/2.0 (+1)	1,550 (+8%)	24mo	$180,000	$116	29
1309 Virginia Ave	0.72mi	3/1.0 (+1)	1,260 (-12%)	22mo	$105,000	$83	22

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: -24.6%
• Equity multiple: 0.16×
• Total profit: $-34,049
• Equity at exit: $21,620

10-year hold

• IRR: -20.1%
• Equity multiple: -0.06×
• Total profit: $-43,154
• Equity at exit: $12,537

Cash invested: $40,600 (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 15135

• Home prices YoY: -24.8%
• Active inventory: 21
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,087 high
• Mortgage (P&I): −$760
• Tax from tax record: −$204 /mo · $2,453/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$228
• Net cashflow: $-166

Break-even live

Break-even rent $1,298

Max offer price $115,644

Occupancy floor —

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
924 Seneca Ct Apt 46 McKeesport, PA	2.0	1.0	900	$950	$1.06	23d	1	0.32mi
305 Aqua Ct Apt 1 McKeesport, PA	2.0	1.0	900	$950	$1.06	20d	1	0.45mi
502 Riverview Dr White Oak, PA	2.0	1.0	900	$1,425	$1.58	1d	2	0.57mi
1300 Virginia Ave Apt 107 McKeesport, PA	2.0	1.0	900	$950	$1.06	43d	1	0.66mi
2807 Lincoln Way Unit 8 White Oak, PA	3.0	1.5	1250	$1,350	$1.08	43d	1	0.90mi
913 Center St McKeesport, PA	1.0–2.0	1.0	900	$1,005	$1.12	1d	7	1.43mi

Listing history 25 events

1. 2026-06-18
   days on market $145,000 Active 75 DOM
2. 2026-06-17
   days on market $145,000 Active 74 DOM
3. 2026-06-16
   days on market $145,000 Active 73 DOM
4. 2026-06-15
   price $145,000 Active 72 DOM
5. 2026-06-15
   days on market $147,500 Active 72 DOM
6. 2026-06-13
   days on market $147,500 Active 70 DOM
7. 2026-06-09
   days on market $147,500 Active 66 DOM
8. 2026-06-08
   days on market $147,500 Active 65 DOM
9. 2026-06-07
   days on market $147,500 Active 64 DOM
10. 2026-06-05
    days on market $147,500 Active 61 DOM
11. 2026-06-03
    days on market $147,500 Active 60 DOM
12. 2026-06-02
    days on market $147,500 Active 59 DOM
13. 2026-06-01
    days on market $147,500 Active 58 DOM
14. 2026-05-31
    days on market $147,500 Active 57 DOM
15. 2026-05-18
    price $147,500 929-char remark

    Show marketing remark (929 chars)

    Charming, updated home just one block from the GAP Trail and the Youghiogheny River—perfect for biking, walking, and enjoying the outdoors right from your doorstep. This home offers great curb appeal, a detached two-car garage, driveway, and a tiered backyard with a spacious deck/pergola ideal for relaxing or entertaining. Inside, you’ll find a bright, inviting living space and a functional kitchen with stainless steel appliances and ample storage. Upstairs features well-sized, light-filled bedrooms and a clean, updated feel throughout. The bathroom includes a modern epoxy floor shower (May 2025) for a sleek, low-maintenance finish. Major updates for peace of mind: Roof (Nov 2025) Electrical & wiring (Nov 2025) Water heater (Aug 2023) Sewer line (Aug 2023) Move-in ready with major improvements already completed—this is an excellent opportunity in a location that’s hard to beat.

16. 2026-04-04
    listed $150,000 Active 929-char remark

    Show marketing remark (929 chars)

    Charming, updated home just one block from the GAP Trail and the Youghiogheny River—perfect for biking, walking, and enjoying the outdoors right from your doorstep. This home offers great curb appeal, a detached two-car garage, driveway, and a tiered backyard with a spacious deck/pergola ideal for relaxing or entertaining. Inside, you’ll find a bright, inviting living space and a functional kitchen with stainless steel appliances and ample storage. Upstairs features well-sized, light-filled bedrooms and a clean, updated feel throughout. The bathroom includes a modern epoxy floor shower (May 2025) for a sleek, low-maintenance finish. Major updates for peace of mind: Roof (Nov 2025) Electrical & wiring (Nov 2025) Water heater (Aug 2023) Sewer line (Aug 2023) Move-in ready with major improvements already completed—this is an excellent opportunity in a location that’s hard to beat.

17. 2023-07-27
    soldstatus $149,000
18. 2023-07-24
    status Pending 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

19. 2023-07-21
    soldstatus $149,000 Closed 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

20. 2023-06-16
    historical Contingent 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

21. 2023-06-02
    price $149,000 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

22. 2023-05-21
    price $154,000 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

23. 2023-05-03
    price $159,000 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

24. 2023-04-19
    listed $169,000 Active 616-char remark

    Show marketing remark (616 chars)

    This well maintained, fully updated home is less than 3 miles away from Youghiogheny Country Club, and walking distance from running and bike trails. This home offers two large bedrooms and a fully renovated bathroom. The standing shower hosts two separate shower heads, and the bathroom's Blue Tooth Speaker System conveys with the home! All new top of the line stainless steel appliances in the kitchen! Enjoy your own oasis with the side deck that has a jacuzzi and bar area. The two-car wide garage is 1.5 cars deep that is perfect for woodworkers or car enthusiasts. This home is waiting for its forever family.

25. 2021-09-10
    soldstatus $61,377

ⓘ 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: $2,453 · $204/mo
• Projected year-2 tax: $2,453 · $204/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 4/10 Moderate 7 d/yr ≥97°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,049
• − Mortgage interest: −$8,122
• − Property taxes: −$2,453
• − Insurance: −$725
• − Repairs & maintenance: −$1,044
• − Management: −$1,044
• − Depreciation: −$4,218
• Taxable loss: −$4,557
• Est. tax savings @ 24.0%: +$1,094
• After-tax cash flow: $-900/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: Elizabeth Forward SD
• NCES district ID: 4209090
• Math proficiency: 41% ▼ -16.00%
• Reading proficiency: 65% ▼ -8.00%
• Median HH income: $53,344
• Composite: 45.5/100
• National rank: #2611
• State rank: #136 of 539 in PA

Livability — Elizabeth

• Score: 69/100
• State rank: #818
• US rank: #8377

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Greenock, PA
• Population (ZIP): 4,977

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: Predominantly White (91%)
• Race & ethnicity: White 91% Black 8% Two or more races 2%
• Common ancestry: Romanian 7% Lithuanian 4% Slovak 1%
• Foreign-born: 1% · Canada

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: ▼ -72.96%
• Current HPI: 221.6842
• 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

+140.3% since first listed

11 events — show timeline

• 2026-05-18 Price Changed $147,500 West Penn MLS
• 2026-04-04 Listed $150,000 West Penn MLS
• 2023-07-27 Sold (Public Records) $149,000 Public Records
• 2023-07-24 Pending — West Penn MLS
• 2023-07-21 Sold (MLS) $149,000 West Penn MLS
• 2023-06-16 Contingent — West Penn MLS
• 2023-06-02 Price Changed $149,000 West Penn MLS
• 2023-05-21 Price Changed $154,000 West Penn MLS
• 2023-05-03 Price Changed $159,000 West Penn MLS
• 2023-04-19 Listed $169,000 West Penn MLS
• 2021-09-10 Sold (Public Records) $61,377 Public Records

Property tax history

+8.5%/yr

Latest (2026): $2,453 · +4.0% YoY. Source: county tax records.