1133 Sperling Dr · Wilkinsburg, PA 15221

$149,900

3 bd · 1.5 ba · 1,350 sqft · SingleFamily public records · 2 Days on market

Built 1960 6,372 sqft lot Est $228k · 34% under

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Why this score? — see what drove the C+ 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 +22.4/30.0
• ARV discount +15.0/15.0
• DSCR +7.2/10.0
• 1% rule +6.0/10.0
• Livability +3.8/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

JUST REDUCED-SHARP 2 STORY. WELL MAINT. NWR ROOF, KITCH, WIND, CPT. ,C/A LGE GR, LVL ENT, ATT. GARAGE

Key facts

• 6,372 sq ft lot
• Garage
• Built 1960

Property features AI

Exterior

• Parking: Attached garage; Built-in parking; Off-street parking; Garage door opener; Total parking for 1 vehicle
• Utilities: Public water; Public sewer
• Home design: 2 stories; Resale property
• Construction: Brick and vinyl siding exterior; Slate roof
• Exterior features: Walk-out basement

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Stove; Some gas appliances
• Bedrooms: Bedroom 2 (Upper); Bedroom 3 (Upper); Bedroom 4 (Upper)
• Flooring: Carpet; Hardwood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Forced air heating (gas); Central air conditioning
• Interior features: Partially finished basement with walk-out access; Some gas appliances
• Laundry & utility: Washer; Dryer; Basement laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $250 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 76/100 on livability (#411 in PA, #3,754 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D+, crime F, amenities F.
• Wilkinsburg Borough SD (suburban): math 14% / reading 23% proficiency, ranked #503 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 96% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Turner Intermediate Sch (math 15% / reading 24%, grade F, #1,276 of 1,518 statewide, top 85%, 305 students, 100% FRL) — zoned schools at 100% FRL track the district average.
• Market conditions: Rents rising (+3.9%/yr); 117 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 36% of the median local income ($55k/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 $4k of value loss. Plan a longer hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 28y 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 $52k; list at $150k implies a 188% gain — meaningful room to come down on a strong offer.

Recommended offer $149,900

Questions for the listing agent

1. Built in 1960 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.10% ✓
• Cap rate: 8.29%
• Cash-on-cash: 7.14%
• DSCR: 1.32
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $228,150
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1133 Sperling Dr	0.00mi	4/1.5 (+1)	1,350 (0%)	0mo	$151,000	$112	95
229 Dewey St	0.23mi	3/1.5	1,272 (-6%)	1mo	$215,000	$169	79
1216 Morrow St	0.06mi	3/1.0	1,176 (-13%)	3mo	$45,000	$38	71
425 Edgewood Rd	0.56mi	3/1.0	1,346 (-0%)	0mo	$306,600	$228	71
520 Princeton Blvd	0.39mi	3/1.0	1,268 (-6%)	7mo	$28,000	$22	64
152 Oakview	0.54mi	3/2.5	1,280 (-5%)	6mo	$275,000	$215	57
1019 Maple St	0.72mi	3/1.5	1,268 (-6%)	1mo	$23,000	$18	55
818 Woodworth Ave	0.42mi	3/1.0	1,160 (-14%)	6mo	$163,000	$141	50
21 Bryn Mawr	0.65mi	3/1.5	1,204 (-11%)	3mo	$279,900	$232	50
605 Whitney Ave	0.66mi	4/1.5 (+1)	1,476 (+9%)	3mo	$315,000	$213	46
8101 Saint Lawrence Ave	0.65mi	2/1.0 (-1)	1,226 (-9%)	4mo	$200,000	$163	44
203 Washington Rd	0.72mi	3/1.5	1,530 (+13%)	3mo	$301,000	$197	42

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 · 3.86% rent growth · sell at horizon

5-year hold

• IRR: -4.4%
• Equity multiple: 0.84×
• Total profit: $-6,903
• Equity at exit: $22,351

10-year hold

• IRR: 6.3%
• Equity multiple: 1.49×
• Total profit: $20,633
• Equity at exit: $12,961

Cash invested: $41,972 (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 15221

• Home prices YoY: -32.3%
• Rents YoY: 3.9%
• Active inventory: 117
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,649 high
• Mortgage (P&I): −$786
• Tax from tax record: −$204 /mo · $2,451/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $250

Break-even live

Break-even rent $1,333

Max offer price $149,900

Occupancy floor 80%

Sensitivity live

Price	-10% $335	-5% $292	+0% $250	+5% $207	+10% $165
Rent	-10% $120	-5% $185	+0% $250	+5% $315	+10% $380
Rate	-1.0pp $325	-0.5pp $288	base $250	+0.5pp $211	+1.0pp $171

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
565 Ardmore Blvd Pittsburgh, PA	4.0	1.0	1368	$1,450	$1.06	12d	1	0.15mi
442 Locust St Pittsburgh, PA	2.0	1.0	1600	$2,600	$1.62	4d	1	0.32mi
826 Walnut St Pittsburgh, PA	2.0	1.0	1270	$1,195	$0.94	45d	1	0.37mi
1148 East St Pittsburgh, PA	3.0	3.0	1738	$1,700	$0.98	45d	1	0.40mi
100 Bryn Mawr Ct W Pittsburgh, PA	1.0–2.0	1.0–2.0	975	$1,904	$1.95	4d	15	0.57mi
1515 Penn Ave Wilkinsburg, PA	2.0	2.0	1012	$1,100	$1.09	45d	1	0.60mi
600 Kelly Ave Pittsburgh, PA	1.0–2.0	1.0	968	$1,350	$1.39	5d	3	0.68mi
7215 Beacon Hill Dr Pittsburgh, PA	2.0	2.0	1259	$1,795	$1.43	6d	1	0.78mi
1003 Smokey Wood Dr Swissvale, PA	1.0–2.0	1.0	874	$1,475	$1.69	6d	4	0.79mi
2210 Hampton St Pittsburgh, PA	3.0	1.5	1512	$1,650	$1.09	25d	1	0.82mi
1713-1715 Clark St Unit 79-1804C Pittsburgh, PA	2.0	1.0	972	$1,200	$1.23	6d	1	0.82mi
407 Biddle Ave #3 Pittsburgh, PA	3.0	1.0	1200	$1,700	$1.42	45d	1	0.85mi
7534 Penn Bridge Ct Pittsburgh, PA	2.0	2.0	1259	$1,750	$1.39	45d	1	0.86mi
515 Hill Ave Pittsburgh, PA	4.0	1.0	1628	$1,300	$0.80	45d	1	0.88mi
519-521 S Trenton Ave Pittsburgh, PA	3.0	1.5	1360	$2,600	$1.91	18d	1	0.90mi
2323 Patterson Ave Pittsburgh, PA	3.0	1.0	1440	$1,800	$1.25	45d	1	0.97mi
2323 Patterson Ave Unit NA Pittsburgh, PA	3.0	1.0	1440	$1,500	$1.04	25d	1	0.97mi
2255 Hawthorne Ave Unit 2255 Swissvale, PA	2.0	1.0	1020	$1,000	$0.98	14d	1	1.05mi
1962 McNary Blvd Pittsburgh, PA	3.0	1.0	1517	$1,545	$1.02	9d	1	1.06mi
2219 Manor Ave Pittsburgh, PA	3.0	1.0	1638	$1,600	$0.98	25d	1	1.09mi
7645 Highland Ave Pittsburgh, PA	3.0	1.0	1161	$1,325	$1.14	9d	1	1.15mi
1027 Lancaster Ave Unit 2 Pittsburgh, PA	2.0	2.0	1300	$2,599	$2.00	3d	1	1.20mi
2031 Chalfant St Pittsburgh, PA	3.0	1.5	1150	$1,950	$1.70	45d	1	1.21mi
7225 Whipple St Unit 72255 Pittsburgh, PA	3.0	1.5	1440	$1,695	$1.18	4d	1	1.31mi
700 Filmore Rd Pittsburgh, PA	3.0	2.0	1072	$1,800	$1.68	14d	1	1.44mi
2673 Woodstock Ave Pittsburgh, PA	3.0	1.0	1000	$1,190	$1.19	25d	1	1.46mi
481 Filmore Rd Pittsburgh, PA	3.0	1.5	1165	$1,700	$1.46	9d	1	1.48mi

Listing history 5 events

1. 2026-05-07
   status Pending
2. 2026-05-04
   listed $149,900 Active
3. 1998-11-09
   soldstatus $52,000
4. 1998-11-06
   soldstatus $52,000 101-char remark

   Show marketing remark (101 chars)

   JUST REDUCED-SHARP 2 STORY. WELL MAINT. NWR ROOF, KITCH, WIND, CPT. ,C/A LGE GR, LVL ENT, ATT. GARAGE

5. 1998-03-22
   listed $57,900 101-char remark

   Show marketing remark (101 chars)

   JUST REDUCED-SHARP 2 STORY. WELL MAINT. NWR ROOF, KITCH, WIND, CPT. ,C/A LGE GR, LVL ENT, ATT. GARAGE

ⓘ 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: $2,451 · $204/mo
• Projected year-2 tax: $2,451 · $204/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 ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,787
• − Mortgage interest: −$8,397
• − Property taxes: −$2,451
• − Insurance: −$750
• − Repairs & maintenance: −$1,583
• − Management: −$1,583
• − Depreciation: −$4,361
• Taxable income: $663
• Est. tax owed @ 24.0%: −$159
• After-tax cash flow: $2,839/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: Wilkinsburg Borough SD
• NCES district ID: 4226370
• Math proficiency: 14% ▼ -8.00%
• Reading proficiency: 23% ▼ -9.00%
• Median HH income: $32,204
• Composite: 14.94/100
• National rank: #9368
• State rank: #503 of 539 in PA

Livability — Wilkinsburg

• Score: 76/100
• State rank: #411
• US rank: #3754

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wilkinsburg, PA
• County: Allegheny County · 1,022,028 people
• City population: 29,513
• Metro: Pittsburgh, PA
• Population (ZIP): 29,374
• Household income: $55,028
• Rent vs Own: 55.3% rent · 44.7% own
• Severe rent burden: 1933.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 47% Black 43% Two or more races 7% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 4% Lithuanian 2% Serbian 1%
• Foreign-born: 4% · Canada, South Korea, China
• Languages at home: 93% English-only · Spanish 2% French/Haitian/Cajun 1% Other Indo-European 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: ▼ -109.77%
• Current HPI: 230.0486
• Rent YoY: ▲ 3.86%
• 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

+158.9% since first listed

5 events — show timeline

• 2026-05-07 Pending — West Penn MLS
• 2026-05-04 Listed $149,900 West Penn MLS
• 1998-11-09 Sold (Public Records) $52,000 Public Records
• 1998-11-06 Sold (MLS) $52,000 West Penn MLS
• 1998-03-22 Listed $57,900 West Penn MLS

Property tax history

+2.1%/yr

Latest (2026): $2,451 · +59.2% YoY. Source: county tax records.