1148 Creekside Dr · Eldorado, PA 16601

$97,500

3 bd · 1.0 ba · 1,120 sqft · SingleFamily · 3 Days on market

Built 1982 5,227 sqft lot Est $151k · 36% 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 +29.2/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.6/10.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Perfect starter home in beautiful Logan Twp. Rural Housing Loan Eligible! Back deck overlooking a tranquil yard with mature shade trees. One car attached garage, large eat in kitchen and a good sized living room round out the first floor with 3 bedrooms and a bathroom upstairs. All this home needs is you, call the listing agent today for your private showing,

Key facts

• Dead-end street
• Large rear yard
• Large covered deck

Tags

• NEW ROOF
• TWIN HEAT-PUMP SYSTEM
• LARGE COVERED DECK
• LARGE REAR YARD
• SMALL STREAM
• DEAD-END STREET

Property features AI

Finance

• Other: Directions: 58th St N towards Eldorado; Left onto Valley Ave; Right onto Creekside Drive, property on Right

Exterior

• Parking: 1-car garage
• Utilities: Public water
• Home design: Single-family residence; Residential property; Two levels; Updated/remodeled
• Construction: Vinyl siding; Metal roof
• Exterior features: Deck; Porch; Level lot; Subdivision: Eldorado

Interior

• Kitchen: Oven; Range; Refrigerator
• Flooring: Laminate; Tile; Carpet
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard heating; Electric heating; Heat pump; Cooling
• Interior features: Insulated windows; Crawl space basement; 8 total rooms
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $98k.

Deal economics

• At list price, monthly cash flow is $339 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $98k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Altoona Area SD (urban): math 30% / reading 44% proficiency, ranked #406 of 539 in PA (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Altoona Area Jr Hs (math 21% / reading 45%, grade F, #346 of 512 statewide, top 69%, 1,727 students, 71% FRL) — zoned schools average 71% FRL vs 54% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 186 active listings in the ZIP; 99 units permitted in Blair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $674 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Blair 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 $27k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 7y 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.
• Current owner paid $46k; list at $98k implies a 110% gain — meaningful room to come down on a strong offer.

Recommended offer $97,500

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.26% ✓
• Cap rate: 10.46%
• Cash-on-cash: 14.90%
• DSCR: 1.66
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $151,200
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1409 Brook Run Dr	0.14mi	3/1.0	1,224 (+9%)	12mo	$140,000	$114	68
1211 Creekside Dr	0.13mi	3/1.0	1,224 (+9%)	14mo	$100,250	$82	67
1317 Spring Run Dr	0.19mi	3/1.0	960 (-14%)	18mo	$171,900	$179	52
344 Valley Ave	0.27mi	2/1.0 (-1)	960 (-14%)	22mo	$129,900	$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: 5.4%
• Equity multiple: 1.21×
• Total profit: $5,777
• Equity at exit: $14,538

10-year hold

• IRR: 14.9%
• Equity multiple: 2.20×
• Total profit: $32,792
• Equity at exit: $8,430

Cash invested: $27,300 (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 16601

• Home prices YoY: -24.9%
• Active inventory: 186
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,228 medium
• Mortgage (P&I): −$511
• Tax from tax record: −$79 /mo · $950/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $339

Break-even live

Break-even rent $799

Max offer price $97,500

Occupancy floor 67%

Sensitivity live

Price	-10% $394	-5% $366	+0% $339	+5% $311	+10% $284
Rent	-10% $242	-5% $290	+0% $339	+5% $387	+10% $436
Rate	-1.0pp $388	-0.5pp $364	base $339	+0.5pp $314	+1.0pp $288

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: $24,375
• Closing costs: $2,925
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-06-07
   statusdays on market $97,500 Pending 3 DOM
2. 2026-06-03
   days on market $97,500 Active 2 DOM
3. 2026-06-03
   remarks 438-char remark
4. 2026-06-02
   remarks 433-char remark
5. 2026-06-02
   listed $97,500 Active 1 DOM

ⓘ 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: $950 · $79/mo
• Projected year-2 tax: $1,245 · $104/mo
• Expected delta: +$295/yr (+$25/mo · 31.1%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥94°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,733
• − Mortgage interest: −$5,462
• − Property taxes: −$950
• − Insurance: −$488
• − Repairs & maintenance: −$1,179
• − Management: −$1,179
• − Depreciation: −$2,836
• Taxable income: $2,641
• Est. tax owed @ 24.0%: −$634
• After-tax cash flow: $3,433/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: Altoona Area SD
• NCES district ID: 4202340
• Math proficiency: 30% ▼ -15.00%
• Reading proficiency: 44% ▼ -15.00%
• Median HH income: $38,465
• Composite: 30.85/100
• National rank: #6130
• State rank: #406 of 539 in PA

Livability — Eldorado

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

Census & demographics

• County: Blair County · 59,867 people
• Metro: Altoona, PA
• Population (ZIP): 33,515
• Household income: $58,070
• Rent vs Own: 30.6% rent · 69.4% own
• Severe rent burden: 715.0

Population outlook (Blair County) Hauer SSP2

• Today (2025): 121,571 people
• By 2030: 117,966 · -3.0%
• By 2040: 109,174 · -10.2%
• By 2050: 99,542 · -18.1%
• By 2075: 76,775 · -36.8%
• By 2100: 54,326 · -55.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 5% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 5% Slovak 2% Lithuanian 2%
• Foreign-born: 1% · Vietnam
• Languages at home: 97% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Blair

• 2024 margin: Solid R (+43.5) · D 27.9% · R 71.4%
• 2008→2024 swing: -19.2pp toward R · 2008: -24.3pp · 2024: -43.5pp
• All cycles: 2024: R+43.5 2020: R+43.5 2016: R+46.4 2012: R+33.5 2008: R+24.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.97%
• Current HPI: 183.9907
• Rent YoY: —
• Metro: Altoona, 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

+62.8% since first listed

4 events — show timeline

• 2026-06-02 Listed $97,500 AHARMLS
• 2019-10-31 Sold (Public Records) $54,500 Public Records
• 2019-10-31 Sold (MLS) $46,500 AHARMLS
• 2019-06-21 Listed $59,900 AHARMLS

Property tax history

+3.7%/yr

Latest (2025): $950 · +5.0% YoY. Source: county tax records.