786 Kennedy St · Monongahela, PA 15063

$64,990

2 bd · 1.0 ba · 1,156 sqft · SingleFamily public records · 29 Days on market

Built 1920 4,199 sqft lot Est $121k · 46% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

* Exceptional Home * Beautiful new custom Kitchen & bath * 2nd fl. laundry * Spacious Rooms - new in the last 10 years - Roof & windows, lg. storage shed. Move-In-Condition.

Key facts

• 4,199 sq ft lot
• Built 1920
• Listed 29 days

Property features AI

Exterior

• Home design: 2-story; Resale property
• Construction: Vinyl siding; Asphalt roof
• Exterior features: Lot approximately 0.0964 acres

Interior

• Bathrooms: 1 full bathroom
• Interior features: Has basement; Living room in the basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $65k.

Deal economics

• At list price, monthly cash flow is $321 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $64k (1.5% below list) — sets the bar for market timing.
• Cap rate 12.2% vs local median 6.9% in Monongahela — 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 72/100 on livability (#629 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety D+, amenities F.
• Ringgold SD (suburban): math 19% / reading 36% proficiency, ranked #452 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 66 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $450 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($64k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 30y ago; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $64,015 (1.5% below list)

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.63% ✓
• Cap rate: 12.22%
• Cash-on-cash: 21.18%
• DSCR: 1.94
• GRM: 5.1

CMA / ARV

• ARV (on-the-fly): $121,380
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
801 Maple Dr	0.65mi	3/1.5 (+1)	1,232 (+7%)	2mo	$220,000	$179	50
560 E Main St	0.49mi	2/1.5	1,078 (-7%)	23mo	$155,000	$144	45
3260 Rainbow Run Rd	0.65mi	3/1.5 (+1)	1,260 (+9%)	11mo	$122,500	$97	39
805 Maple Dr	0.67mi	3/1.0 (+1)	1,008 (-13%)	13mo	$67,500	$67	31
48 Pearl Aly	0.54mi	3/2.0 (+1)	1,045 (-10%)	23mo	$110,000	$105	30

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: 13.7%
• Equity multiple: 1.55×
• Total profit: $9,978
• Equity at exit: $9,690

10-year hold

• IRR: 22.6%
• Equity multiple: 2.94×
• Total profit: $35,258
• Equity at exit: $5,619

Cash invested: $18,197 (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 15063

• Home prices YoY: -6.9%
• Active inventory: 66
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,061 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$149 /mo · $1,787/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$223
• Net cashflow: $321

Break-even live

Break-even rent $654

Max offer price $64,990

Occupancy floor 65%

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: $16,248
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-18
   days on market $64,990 Active 29 DOM
2. 2026-06-17
   days on market $64,990 Active 28 DOM
3. 2026-06-16
   days on market $64,990 Active 27 DOM
4. 2026-06-15
   days on market $64,990 Active 26 DOM
5. 2026-06-13
   days on market $64,990 Active 24 DOM
6. 2026-06-13
   days on market $64,990 Active 23 DOM
7. 2026-06-09
   days on market $64,990 Active 20 DOM
8. 2026-06-08
   days on market $64,990 Active 19 DOM
9. 2026-06-07
   pricedays on market $64,990 Active 18 DOM
10. 2026-06-05
    days on market $69,990 Active 15 DOM
11. 2026-06-03
    days on market $69,990 Active 14 DOM
12. 2026-06-02
    days on market $69,990 Active 13 DOM
13. 2026-06-01
    days on market $69,990 Active 12 DOM
14. 2026-05-31
    days on market $69,990 Active 11 DOM
15. 2026-05-20
    listed $69,990 Active
16. 2006-09-05
    soldstatus $67,250
17. 2006-08-14
    soldstatus $67,250 189-char remark

    Show marketing remark (189 chars)

    * Exceptional Home * Beautiful new custom Kitchen & bath * 2nd fl. laundry * Spacious Rooms - new in the last 10 years - Roof & windows, lg. storage shed. Move-In-Condition.

18. 2006-05-15
    listed $69,900 189-char remark

    Show marketing remark (189 chars)

    * Exceptional Home * Beautiful new custom Kitchen & bath * 2nd fl. laundry * Spacious Rooms - new in the last 10 years - Roof & windows, lg. storage shed. Move-In-Condition.

19. 1996-08-22
    soldstatus $28,000 110-char remark

    Show marketing remark (110 chars)

    LR COULD BE 3RD BR, HSE BROUGHT IN $450.00 MO RENT SPACIOUS ROOMS, GREAT STRTR OR INVESTMENT. DBV 2482 PG. 087

20. 1996-04-24
    listed $29,000 110-char remark

    Show marketing remark (110 chars)

    LR COULD BE 3RD BR, HSE BROUGHT IN $450.00 MO RENT SPACIOUS ROOMS, GREAT STRTR OR INVESTMENT. DBV 2482 PG. 087

ⓘ 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: $1,787 · $149/mo
• Projected year-2 tax: $1,787 · $149/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 ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,728
• − Mortgage interest: −$3,640
• − Property taxes: −$1,787
• − Insurance: −$325
• − Repairs & maintenance: −$1,018
• − Management: −$1,018
• − Depreciation: −$1,891
• Taxable income: $3,048
• Est. tax owed @ 24.0%: −$732
• After-tax cash flow: $3,122/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: Ringgold SD
• NCES district ID: 4220400
• Math proficiency: 19% ▼ -20.00%
• Reading proficiency: 36% ▼ -18.00%
• Median HH income: $46,754
• Composite: 23.75/100
• National rank: #7819
• State rank: #452 of 539 in PA

Livability — Monongahela

• Score: 72/100
• State rank: #629
• US rank: #6064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monongahela, PA
• City population: 10,479
• Population (ZIP): 10,479

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Slovak 4% Scotch-Irish 3%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.31%
• Current HPI: 261.0334
• 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

+141.3% since first listed

6 events — show timeline

• 2026-05-20 Listed $69,990 West Penn MLS
• 2006-09-05 Sold (Public Records) $67,250 Public Records
• 2006-08-14 Sold (MLS) $67,250 West Penn MLS
• 2006-05-15 Listed $69,900 West Penn MLS
• 1996-08-22 Sold (MLS) $28,000 West Penn MLS
• 1996-04-24 Listed $29,000 West Penn MLS

Property tax history

+5.5%/yr

Latest (2026): $1,787 · +7.7% YoY. Source: county tax records.