1465 3rd St · Nanty-Glo, PA 15943

$160,000

3 bd · 2.0 ba · 1,668 sqft · SingleFamily · 9 Days on market

Built 1958 0.28 ac lot Est $128k · 25% over

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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 +12.0/30.0
• Appreciation +5.5/10.0
• DSCR +3.6/10.0
• Schools +3.6/10.0
• 1% rule +3.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

Key facts

• Finished family room
• Corner lot
• Large rear deck

Tags

• BRICK AND STONE RANCH
• CORNER LOT
• SPACIOUS EAT-IN KITCHEN
• LARGE REAR DECK
• OUTDOOR AREA UNDER THE DECK
• FINISHED FAMILY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $-37 ($-440/yr) — negative.
• To cash-flow at today's rent, offer at most $154k (4.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $129k (19.4% below list).
• Recommended offer: $129k (19.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Blacklick Valley SD (town): math 37% / reading 50% proficiency, ranked #310 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Blacklick Valley El Ctr (math 42% / reading 52%, grade D-, #737 of 1,518 statewide, top 52%, 318 students, 100% FRL); Blacklick Valley Jshs (math 32% / reading 47%, grade F, #265 of 437 statewide, top 63%, 282 students, 73% FRL) — zoned schools average 87% FRL vs 43% district-wide (44 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 11 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($1k loan paydown + $2k appreciation (1.0% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $129,024 (19.4% 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. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.81% ✗
• Cap rate: 6.02%
• Cash-on-cash: -0.98%
• DSCR: 0.96
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $128,436
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1297 3rd St	0.11mi	3/1.0	1,465 (-12%)	7mo	$127,500	$87	65
1071 2nd St	0.29mi	4/2.0 (+1)	1,786 (+7%)	7mo	$140,000	$78	64
1020 Cardiff Rd	0.42mi	4/1.5 (+1)	1,764 (+6%)	5mo	$40,000	$23	60
1452 Roberts St	0.42mi	3/1.5	1,800 (+8%)	9mo	$143,000	$79	58
1396 2nd St	0.11mi	4/1.0 (+1)	1,456 (-13%)	9mo	$75,000	$52	57
1375 Davis St	0.50mi	4/2.0 (+1)	1,550 (-7%)	8mo	$120,000	$77	53
1199 Rodgers St	0.30mi	4/1.5 (+1)	1,836 (+10%)	21mo	$149,900	$82	45
651 Mccoy St	0.66mi	4/2.0 (+1)	1,890 (+13%)	12mo	$70,000	$37	32
637 Mccoy St	0.69mi	3/1.5	1,480 (-11%)	20mo	$89,900	$61	31

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.3%
• Equity multiple: 1.01×
• Total profit: $663
• Equity at exit: $54,638

10-year hold

• IRR: 5.1%
• Equity multiple: 1.62×
• Total profit: $27,592
• Equity at exit: $72,622

Cash invested: $44,800 (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 15943

• Home prices YoY: 1.0%
• Active inventory: 11
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,290 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$150 /mo · $1,803/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $-37

Break-even live

Break-even rent $1,337

Max offer price $153,527

Occupancy floor 98%

Sensitivity live

Price	-10% $54	-5% $9	+0% $-37	+5% $-82	+10% $-127
Rent	-10% $-139	-5% $-88	+0% $-37	+5% $14	+10% $65
Rate	-1.0pp $44	-0.5pp $4	base $-37	+0.5pp $-78	+1.0pp $-120

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-05-15
   soldstatus $170,000 Closed 276-char remark

   Show marketing remark (276 chars)

   3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

2. 2026-04-11
   status Pending

   Show marketing remark (276 chars)

   3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

3. 2026-04-11
   status Pending 276-char remark

   Show marketing remark (276 chars)

   3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

4. 2026-04-01
   listed $160,000 Active 276-char remark

   Show marketing remark (276 chars)

   3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

5. 2026-04-01
   listed $160,000 Active

   Show marketing remark (276 chars)

   3 bedroom 2 bath brick & stone ranch home on 1/4 acre+ corner lot. Sunken LR, DR, Spacious eat-in kitchen. Large rear deck with a great view & outdoor area under the deck. Finished family room in the basement. 1 Car integral garage. New 200 amp electrical service.

ⓘ 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: $1,803 · $150/mo
• Projected year-2 tax: $2,165 · $180/mo
• Expected delta: +$363/yr (+$30/mo · 20.1%)

ⓘ 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 3/10 Moderate 8 d/yr ≥91°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,483
• − Mortgage interest: −$8,962
• − Property taxes: −$1,803
• − Insurance: −$800
• − Repairs & maintenance: −$1,239
• − Management: −$1,239
• − Depreciation: −$4,655
• Taxable loss: −$3,214
• Est. tax savings @ 24.0%: +$771
• After-tax cash flow: $332/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: Blacklick Valley SD
• NCES district ID: 4203690
• Math proficiency: 37% ▲ 7.00%
• Reading proficiency: 50% ▲ 5.00%
• Median HH income: $38,550
• Composite: 36.25/100
• National rank: #4712
• State rank: #310 of 539 in PA

Livability — Nanty-Glo

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

Census & demographics

• Census place: Nanty-Glo, PA
• City population: 3,747
• Population (ZIP): 3,747

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 2%
• Common ancestry: Romanian 7% Lithuanian 2% Italian 2%
• Foreign-born: 1%
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.00%
• Current HPI: 97.1064
• 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

+6.2% since first listed

5 events — show timeline

• 2026-05-15 Sold (MLS) $170,000 AHARMLS
• 2026-04-11 Pending — CSMLS
• 2026-04-11 Pending — AHARMLS
• 2026-04-01 Listed $160,000 CSMLS
• 2026-04-01 Listed $160,000 AHARMLS

Property tax history

+1.3%/yr

Latest (2026): $1,803 · +0.0% YoY. Source: county tax records.