513 S 3rd St · Lemoyne, PA 17043

$215,000

3 bd · 1.5 ba · 1,650 sqft · Townhouse public records · 4 Days on market

Built 1900 5,663 sqft lot Est $223k · at est.

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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).

• Cash flow +14.4/30.0
• ARV discount +9.1/15.0
• DSCR +4.4/10.0
• Livability +4.3/5.0
• 1% rule +4.1/10.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

Key facts

• 2 parking spots
• Built 1900
• Listed 4 days

Property features AI

Exterior

• Parking: Driveway parking (2 spaces); Total of 2 garage/parking spaces
• Utilities: Public water; Public sewer; Natural gas for heating and hot water (natural gas available); Cable TV available
• Home design: Semi-detached property; Fee simple ownership; Not in a federal flood zone
• Construction: Brick construction; Stone foundation; Architectural shingle roof; Double-hung windows; Above-grade and below-grade structures
• Exterior features: Porch(es); Exterior lighting; Sidewalks; Street lights; Fully chain-link fenced yard; Shed

Interior

• Kitchen: Built-in range; Dishwasher; ENERGY STAR refrigerator; Energy-efficient appliances
• Bedrooms: Three main-level bedrooms
• Flooring: Hardwood
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Hot water baseboard heating; Window air conditioning units (electric)
• Interior features: Attic; Combination dining and living area; Family room off the kitchen; Pantry; Drywall walls and ceilings; 9'+ ceilings
• Laundry & utility: Washer; Electric dryer; Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $215k.

Deal economics

• At list price, monthly cash flow is $44 ($528/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $195k (9.1% below list).
• Recommended offer: $195k (9.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 86/100 on livability (#60 in PA, #413 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, cost of living A+; Watch: amenities D+.
• West Shore SD (suburban): math 37% / reading 56% proficiency, ranked #222 of 539 in PA (top 41%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Washington Heights El Sch (math 27% / reading 37%, grade F, #1,094 of 1,518 statewide, top 73%, 392 students, 63% FRL); New Cumberland Ms (math 17% / reading 49%, grade F, #346 of 512 statewide, top 69%, 549 students, 49% FRL); Cedar Cliff Hs (math 56% / reading 24%, grade F, #263 of 437 statewide, top 60%, 1,353 students, 39% FRL) — zoned schools average 50% FRL vs 25% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 28 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).
• This rent runs 38% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 9y ago; this cycle's ask has dropped $65k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $195,411 (9.1% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.91% ✗
• Cap rate: 6.54%
• Cash-on-cash: 0.88%
• DSCR: 1.04
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $222,750
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
327 Herman Ave	0.34mi	4/2.0 (+1)	1,575 (-4%)	2mo	$234,500	$149	68
204 Bosler Ave	0.46mi	3/1.0	1,672 (+1%)	9mo	$137,000	$82	67
117 Hummel Ave	0.42mi	4/1.5 (+1)	1,613 (-2%)	12mo	$240,000	$149	62
617 Bosler Ave	0.58mi	3/2.0	1,803 (+9%)	1mo	$211,000	$117	55
687 State St	0.71mi	3/1.5	1,484 (-10%)	1mo	$220,023	$148	49
142 15th St	0.69mi	2/1.5 (-1)	1,573 (-5%)	9mo	$193,925	$123	48
208 Bosler Ave	0.46mi	3/2.0	1,542 (-6%)	22mo	$201,000	$130	47
841 Hummel Ave	0.66mi	3/1.0	1,600 (-3%)	19mo	$129,000	$81	46
224 Bosler Ave	0.46mi	3/1.5	1,416 (-14%)	11mo	$187,000	$132	46
544 Bosler Ave	0.53mi	4/1.5 (+1)	1,570 (-5%)	21mo	$215,500	$137	44
420 Bosler Ave	0.48mi	3/1.0	1,432 (-13%)	16mo	$195,000	$136	40
316 Bosler Ave	0.46mi	4/2.0 (+1)	1,510 (-8%)	22mo	$204,000	$135	40

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: -14.9%
• Equity multiple: 0.47×
• Total profit: $-32,000
• Equity at exit: $32,057

10-year hold

• IRR: -6.2%
• Equity multiple: 0.60×
• Total profit: $-24,104
• Equity at exit: $18,589

Cash invested: $60,200 (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 17043

• Home prices YoY: -27.0%
• Active inventory: 28
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,954 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$283 /mo · $3,392/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $44

Break-even live

Break-even rent $1,898

Max offer price $215,000

Occupancy floor 93%

Sensitivity live

Price	-10% $166	-5% $105	+0% $44	+5% $-17	+10% $-78
Rent	-10% $-110	-5% $-33	+0% $44	+5% $121	+10% $198
Rate	-1.0pp $152	-0.5pp $99	base $44	+0.5pp $-12	+1.0pp $-68

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
407 Herman Ave Lemoyne, PA	3.0	2.0	1400	$2,100	$1.50	23d	1	0.35mi
332 Deerfield Rd Camp Hill, PA	4.0	2.5	2043	$2,500	$1.22	45d	1	1.06mi
425 7th St New Cumberland, PA	2.0	1.5	1050	$975	$0.93	23d	1	1.09mi
420 7th St New Cumberland, PA	3.0	1.5	1800	$1,495	$0.83	25d	1	1.11mi
1149 Columbus Ave Lemoyne, PA	1.0–2.0	1.0–2.0	840	$2,075	$2.47	16d	9	1.12mi
7 Hummel Ave Camp Hill, PA	3.0	1.0	1100	$1,275	$1.16	16d	1	1.25mi
200 S Court St Harrisburg, PA	1.0–3.0	1.0–2.5	950	$1,800	$1.89	16d	14	1.36mi
301 Chestnut St Harrisburg, PA	4.0	1.0–2.5	1437	$2,525	$1.76	16d	10	1.44mi
301 Chestnut St Harrisburg, PA	1.0–4.0	1.0–2.5	1437	$2,097	$1.46	45d	1	1.44mi
321 N Front St Unit 102 Harrisburg, PA	2.0	2.5	1562	$2,395	$1.53	45d	1	1.49mi
116 Pine St Harrisburg, PA	1.0–2.0	1.0–2.0	900	$1,638	$1.82	16d	14	1.50mi

Listing history 26 events

1. 2026-06-14
   status $215,000 Pending 4 DOM
2. 2026-06-02
   status $215,000 Active Under Contract 4 DOM
3. 2026-06-01
   days on market $215,000 Active 4 DOM
4. 2026-05-31
   days on market $215,000 Active 3 DOM
5. 2026-05-31
   days on market $215,000 Active 2 DOM
6. 2026-05-26
   historical $215,000
7. 2026-01-07
   historical
8. 2025-12-28
   price $245,000
9. 2025-11-15
   price $250,000
10. 2025-10-25
    price $269,900
11. 2025-10-06
    price $274,500
12. 2025-09-26
    listed $279,900 Active
13. 2025-09-21
    historical
14. 2021-05-19
    soldstatus $187,000
15. 2021-05-14
    soldstatus $199,900 Closed 648-char remark

    Show marketing remark (648 chars)

    This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

16. 2021-03-23
    status Pending 648-char remark

    Show marketing remark (648 chars)

    This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

17. 2021-03-10
    status Active 648-char remark

    Show marketing remark (648 chars)

    This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

18. 2021-03-05
    status Pending 648-char remark

    Show marketing remark (648 chars)

    This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

19. 2021-02-27
    listed $199,900 Active 648-char remark

    Show marketing remark (648 chars)

    This charming all brick home in Lemoyne Borough is calling your name! Recently renovated, but the high ceilings, original woodwork, built-ins and original wood floors contribute to the charm that abounds in this lovely property! The family room addition complete with a new half bath adds the extra space that makes this home perfect for entertaining or enjoying peaceful nights relaxing in front of the gas fireplace. Front porch, large yard, off street parking, conveniently located within walking distance of restaurants and shops, close to highways. .. this house has it all! Schedule your showing today! * * * Professional pictures to come.

20. 2017-08-16
    soldstatus $140,000
21. 2017-08-16
    historical
22. 2017-08-16
    soldstatus $140,000
23. 2017-07-02
    historical
24. 2017-05-19
    listed $145,000
25. 2017-05-19
    listed $145,000
26. 1986-06-04
    soldstatus $41,400

ⓘ 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: $3,392 · $283/mo
• Projected year-2 tax: $3,395 · $283/mo
• Expected delta: +$2/yr ($0/mo · 0.1%)

ⓘ 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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,449
• − Mortgage interest: −$12,043
• − Property taxes: −$3,392
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,876
• − Management: −$1,876
• − Depreciation: −$6,255
• Taxable loss: −$3,068
• Est. tax savings @ 24.0%: +$736
• After-tax cash flow: $1,264/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: West Shore SD
• NCES district ID: 4225830
• Math proficiency: 37% ▼ -12.00%
• Reading proficiency: 56% ▼ -10.00%
• Median HH income: $61,398
• Composite: 40.9/100
• National rank: #3617
• State rank: #222 of 539 in PA

Livability — Lemoyne

• Score: 86/100
• State rank: #60
• US rank: #413

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lemoyne, PA
• County: Cumberland County · 257,673 people
• City population: 5,852
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 5,852
• Household income: $61,173
• Rent vs Own: 48.1% rent · 51.9% own
• Severe rent burden: 444.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 5% Black 4% Asian 2%
• Common ancestry: Polish 3% Slovak 3% Romanian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 93% English-only · Russian/Polish/Slavic 3% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -84.77%
• Current HPI: 229.3436
• Rent YoY: —
• Metro: Harrisburg-Carlisle, PA
• 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

+419.3% since first listed

21 events — show timeline

• 2026-05-26 Coming Soon $215,000 BRIGHT MLS
• 2026-01-07 Listing Removed — BRIGHT MLS
• 2025-12-28 Price Changed $245,000 BRIGHT MLS
• 2025-11-15 Price Changed $250,000 BRIGHT MLS
• 2025-10-25 Price Changed $269,900 BRIGHT MLS
• 2025-10-06 Price Changed $274,500 BRIGHT MLS
• 2025-09-26 Listed $279,900 BRIGHT MLS
• 2025-09-21 Coming Soon — BRIGHT MLS
• 2021-05-19 Sold (Public Records) $187,000 Public Records
• 2021-05-14 Sold (MLS) $199,900 BRIGHT MLS
• 2021-03-23 Pending — BRIGHT MLS
• 2021-03-10 Relisted — BRIGHT MLS
• 2021-03-05 Pending — BRIGHT MLS
• 2021-02-27 Listed $199,900 BRIGHT MLS
• 2017-08-16 Sold (Public Records) $140,000 Public Records
• 2017-08-16 Listing Removed — BRIGHT MLS
• 2017-08-16 Sold (MLS) $140,000 BRIGHT MLS
• 2017-07-02 Listing Removed — BRIGHT MLS
• 2017-05-19 Listed $145,000 BRIGHT MLS
• 2017-05-19 Listed $145,000 BRIGHT MLS
• 1986-06-04 Sold (Public Records) $41,400 Public Records

Property tax history

+3.7%/yr

Latest (2026): $3,392 · +2.2% YoY. Source: county tax records.