3733 Superior St · Munhall, PA 15120

$109,900

3 bd · 1.0 ba · 1,392 sqft · SingleFamily public records · 13 Days on market

Built 1928 5,000 sqft lot Est $214k · 49% 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 +26.6/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +8.2/10.0
• Livability +3.9/5.0
• Rent growth +3.5/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Old Style Charm & Character! Upd Oak Kitchen, built-ins with orig woodwork. Park-like rear level lot! Cov'd Front & Rear Porches. Close to all necessities. Well Maintained

Key facts

• Covered front porch
• Hardwood flooring
• Level rear yard

Tags

• COVERED FRONT PORCH
• HARDWOOD FLOORING
• LEVEL REAR YARD
• SHORT WALK FROM MAIN STREET

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $296 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Cap rate 9.5% vs local median 7.3% in Munhall — 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 78/100 on livability (#308 in PA, #2,734 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: employment D+, amenities F.
• Steel Valley SD (suburban): math 29% / reading 45% proficiency, ranked #403 of 539 in PA (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.1%/yr); 92 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 31% of the median local income ($56k/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 $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 23y 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 1928 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,900

Questions for the listing agent

1. Built in 1928 — 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. 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.
5. 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.
6. 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: 1.32% ✓
• Cap rate: 9.52%
• Cash-on-cash: 11.53%
• DSCR: 1.51
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $214,368
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
147 E Virginia Ave	0.13mi	2/1.0 (-1)	1,400 (+1%)	1mo	$154,000	$110	87
3728 Superior St	0.03mi	2/1.5 (-1)	1,197 (-14%)	1mo	$211,900	$177	68
4317 Superior St	0.32mi	3/2.0	1,236 (-11%)	1mo	$185,000	$150	61
209 Video Dr	0.52mi	3/1.0	1,269 (-9%)	2mo	$195,000	$154	60
3430 Lynnwood Dr	0.68mi	3/2.0	1,357 (-2%)	2mo	$295,000	$217	59
3508 Cambria St	0.34mi	3/1.0	1,600 (+15%)	3mo	$157,500	$98	56
409 Victoria St	0.59mi	3/1.0	1,545 (+11%)	1mo	$230,000	$149	53
4374 Homestead Duquesne Rd	0.50mi	3/2.5	1,534 (+10%)	1mo	$218,000	$142	53
145 Marham Rd	0.59mi	4/2.0 (+1)	1,488 (+7%)	3mo	$235,000	$158	49
517 Brierly Ln	0.59mi	3/2.5	1,544 (+11%)	3mo	$279,900	$181	46
4803 Aspen St	0.70mi	3/2.0	1,541 (+11%)	3mo	$250,000	$162	43
127 Marham Rd	0.59mi	3/2.5	1,579 (+13%)	4mo	$220,000	$139	41

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 · 4.06% rent growth · sell at horizon

5-year hold

• IRR: 2.2%
• Equity multiple: 1.09×
• Total profit: $2,649
• Equity at exit: $16,386

10-year hold

• IRR: 12.9%
• Equity multiple: 2.08×
• Total profit: $33,384
• Equity at exit: $9,502

Cash invested: $30,772 (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 15120

• Home prices YoY: -16.9%
• Rents YoY: 4.1%
• Active inventory: 92
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,445 high
• Mortgage (P&I): −$576
• Tax from tax record: −$224 /mo · $2,690/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $296

Break-even live

Break-even rent $1,071

Max offer price $109,900

Occupancy floor 75%

Sensitivity live

Price	-10% $358	-5% $327	+0% $296	+5% $264	+10% $233
Rent	-10% $181	-5% $238	+0% $296	+5% $353	+10% $410
Rate	-1.0pp $351	-0.5pp $324	base $296	+0.5pp $267	+1.0pp $238

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3705 Botsford St Apt 2 Munhall, PA	3.0	1.0	1000	$1,195	$1.20	44d	1	0.08mi
3305 W Run Rd Munhall, PA	2.0	1.0	1100	$1,365	$1.24	24d	1	0.43mi
402 Brierly Ln West Mifflin, PA	2.0	1.0	1100	$1,145	$1.04	24d	1	0.64mi
308 Lea St Homestead, PA	4.0	2.0	1480	$1,490	$1.01	3d	1	0.68mi
218 Mary St Homestead, PA	3.0	1.0	1776	$1,400	$0.79	22d	1	0.69mi
1254 Edgewood Dr Homestead, PA	3.0	1.0	1144	$1,725	$1.51	44d	1	0.86mi
335 Commonwealth Ave West Mifflin, PA	2.0	2.0	1536	$2,500	$1.63	44d	1	1.06mi
300 W 13th Ave Homestead, PA	2.0	1.0	1088	$1,125	$1.03	17d	1	1.28mi
300 W 13th Ave Unit 302 Homestead, PA	2.0	1.0	1088	$1,150	$1.06	17d	1	1.28mi
623 E 18th Ave Homestead, PA	2.0	1.0	1156	$1,600	$1.38	44d	1	1.29mi
214 Vine St Homestead, PA	2.0	1.0	1034	$1,150	$1.11	44d	1	1.49mi

Listing history 8 events

1. 2026-02-23
   status Pending
2. 2026-02-10
   listed $109,900 Active
3. 2007-04-17
   soldstatus $100,000
4. 2007-04-16
   soldstatus $100,000 183-char remark

   Show marketing remark (183 chars)

   Old Style Charm & Character! Upd Oak Kitchen, built-ins with orig woodwork. Park-like rear level lot! Cov'd Front & Rear Porches. Close to all necessities. Well Maintained

5. 2007-02-09
   listed $111,900 183-char remark

   Show marketing remark (183 chars)

   Old Style Charm & Character! Upd Oak Kitchen, built-ins with orig woodwork. Park-like rear level lot! Cov'd Front & Rear Porches. Close to all necessities. Well Maintained

6. 2003-08-26
   soldstatus $92,900
7. 2003-08-25
   soldstatus $92,900 163-char remark

   Show marketing remark (163 chars)

   Well Maintained home Beautiful original woodwork built-in bookcase & desk updated oak kitchen covered ft & back porches LEVEL backyard TAXES are EST!!!

8. 2003-04-03
   listed $89,900 163-char remark

   Show marketing remark (163 chars)

   Well Maintained home Beautiful original woodwork built-in bookcase & desk updated oak kitchen covered ft & back porches LEVEL backyard TAXES are EST!!!

ⓘ 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: $2,690 · $224/mo
• Projected year-2 tax: $2,690 · $224/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 3/10 Moderate 7 d/yr ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,345
• − Mortgage interest: −$6,156
• − Property taxes: −$2,690
• − Insurance: −$550
• − Repairs & maintenance: −$1,388
• − Management: −$1,388
• − Depreciation: −$3,197
• Taxable income: $1,977
• Est. tax owed @ 24.0%: −$474
• After-tax cash flow: $3,072/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: Steel Valley SD
• NCES district ID: 4222790
• Math proficiency: 29% ▼ -1.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $39,505
• Composite: 30.94/100
• National rank: #6111
• State rank: #403 of 539 in PA

Livability — Munhall

• Score: 78/100
• State rank: #308
• US rank: #2734

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Munhall, PA
• County: Allegheny County · 1,022,028 people
• City population: 18,029
• Metro: Pittsburgh, PA
• Population (ZIP): 18,029
• Household income: $55,714
• Rent vs Own: 36.8% rent · 63.2% own
• Severe rent burden: 669.0

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 (74%)
• Race & ethnicity: White 74% Black 20% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 1% Scotch-Irish 1%
• Foreign-born: 3% · South Korea, Canada
• Languages at home: 95% English-only · Spanish 3% Russian/Polish/Slavic 1%

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: ▼ -59.52%
• Current HPI: 292.5607
• Rent YoY: ▲ 4.06%
• Metro: Pittsburgh, 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

+22.2% since first listed

8 events — show timeline

• 2026-02-23 Pending — West Penn MLS
• 2026-02-10 Listed $109,900 West Penn MLS
• 2007-04-17 Sold (Public Records) $100,000 Public Records
• 2007-04-16 Sold (MLS) $100,000 West Penn MLS
• 2007-02-09 Listed $111,900 West Penn MLS
• 2003-08-26 Sold (Public Records) $92,900 Public Records
• 2003-08-25 Sold (MLS) $92,900 West Penn MLS
• 2003-04-03 Listed $89,900 West Penn MLS

Property tax history

+2.3%/yr

Latest (2026): $2,690 · +3.9% YoY. Source: county tax records.