1381 Pocono St · Swissvale, PA 15218

$242,000

4 bd · 1.0 ba · 1,660 sqft · SingleFamily public records · 109 Days on market

Built 1895 3,776 sqft lot $146/sqft · 16% below area Est $289k · 16% under

---

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).

• ARV discount +14.8/15.0
• Cash flow +10.1/30.0
• Livability +4.2/5.0
• Rent growth +4.0/5.0
• DSCR +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully renovated 3-bedroom, 1-bath gem nestled in the heart of Swisshelm Park! Blending modern updates with timeless charm, this move-in-ready home shines with stylish finishes and inviting spaces throughout. Step inside to a bright, sun-drenched living area featuring warm hardwood floors and a character-filled decorative fireplace — the perfect focal point for cozy evenings at home. The fully updated kitchen is designed to impress, showcasing crisp white cabinetry, sleek countertops, and stainless steel appliances, including a gas stove, refrigerator, and dishwasher — ideal for both everyday living and entertaining. Upstairs, you’ll find three comfortable bedrooms filled with natural light, along with a versatile bonus room on the top floor — perfect for a home office, playroom, or creative retreat. Outside, enjoy a charming front yard and a flat, fully fenced backyard offering privacy and space for relaxing, gardening, or gatherings. Conveniently located near shopping, dining, and major roadways, this home offers the perfect combination of comfort, style, and accessibility. Don’t miss your opportunity to make it yours!

Key facts

• Charming front yard
• Decorative fireplace
• Versatile bonus room

Tags

• DECORATIVE FIREPLACE
• FULLY UPDATED KITCHEN
• STAINLESS STEEL APPLIANCES
• VERSATILE BONUS ROOM
• FLAT FULLY FENCED BACKYARD
• CHARMING FRONT YARD

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $242k.

Deal economics

• At list price, monthly cash flow is $-143 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $217k (10.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (26.4% below list).
• Recommended offer: $178k (26.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 84/100 on livability (#95 in PA, #694 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime C-, amenities D+.
• Woodland Hills SD (suburban): math 13% / reading 30% proficiency, ranked #486 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.0%/yr); 80 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 31% of the median local income ($68k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 109 days — a 9% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 5 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 $53k; list at $242k implies a 357% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1895 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $178,033 (26.4% 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. It's been on market 109 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. Built in 1895 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.74% ✗
• Cap rate: 5.58%
• Cash-on-cash: -2.54%
• DSCR: 0.89
• GRM: 11.3

CMA / ARV

• ARV (median comp): $289,061
• List price: $242,000
• Delta: -16.28%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7224 Schoyer Ave	0.33mi	3/1.0 (-1)	1,610 (-3%)	4mo	$154,000	$96	71
50 Philander St	0.27mi	4/1.5	1,825 (+10%)	3mo	$405,000	$222	66
7303 Florence Ave	0.42mi	4/2.5	1,620 (-2%)	5mo	$212,500	$131	66
1601 Aurelius St	0.42mi	4/1.5	1,566 (-6%)	5mo	$289,900	$185	65
330 Raymond St	0.36mi	3/1.5 (-1)	1,716 (+3%)	7mo	$399,000	$233	65
1333 Windermere Dr	0.30mi	4/2.0	1,528 (-8%)	10mo	$400,000	$262	60
7342 Denniston	0.50mi	4/1.5	1,497 (-10%)	0mo	$225,000	$150	58
1231 Lancaster Ave	0.73mi	4/2.0	1,700 (+2%)	0mo	$515,000	$303	58
2214 Woodstock Ave	0.75mi	5/2.0 (+1)	1,635 (-2%)	0mo	$210,000	$128	54
249 Homestead St	0.22mi	3/2.0 (-1)	1,460 (-12%)	9mo	$117,500	$80	53
1236 Richmond St	0.66mi	3/1.5 (-1)	1,576 (-5%)	3mo	$465,000	$295	51
7343 Burton St	0.52mi	3/2.0 (-1)	1,888 (+14%)	4mo	$50,000	$26	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 · 6.02% rent growth · sell at horizon

5-year hold

• IRR: -17.5%
• Equity multiple: 0.37×
• Total profit: $-42,825
• Equity at exit: $36,083

10-year hold

• IRR: -5.0%
• Equity multiple: 0.63×
• Total profit: $-24,918
• Equity at exit: $20,924

Cash invested: $67,760 (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 15218

• Rents YoY: 6.0%
• Active inventory: 80
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,780 high
• Mortgage (P&I): −$1,269
• Tax from tax record: −$180 /mo · $2,160/yr
• Insurance: −$101
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $-143

Break-even live

Break-even rent $1,962

Max offer price $216,661

Occupancy floor —

Sensitivity live

Price	-10% $-6	-5% $-75	+0% $-143	+5% $-212	+10% $-280
Rent	-10% $-284	-5% $-214	+0% $-143	+5% $-73	+10% $-3
Rate	-1.0pp $-22	-0.5pp $-82	base $-143	+0.5pp $-206	+1.0pp $-270

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: $60,500
• Closing costs: $7,260
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7009 Church St Pittsburgh, PA	3.0	2.0	1800	$1,550	$0.86	44d	1	0.17mi
7225 Whipple St Unit 72255 Pittsburgh, PA	3.0	1.5	1440	$1,695	$1.18	4d	1	0.43mi
2219 Manor Ave Pittsburgh, PA	3.0	1.0	1638	$1,600	$0.98	24d	1	0.87mi
931 Hilltop St Homestead, PA	3.0	1.5	1312	$1,500	$1.14	15d	1	0.91mi
7645 Highland Ave Pittsburgh, PA	3.0	1.0	1161	$1,325	$1.14	8d	1	1.03mi
2570 Mount Royal Rd Pittsburgh, PA	4.0	2.5	1848	$3,200	$1.73	17d	1	1.06mi
2210 Hampton St Pittsburgh, PA	3.0	1.5	1512	$1,650	$1.09	24d	1	1.07mi
2323 Patterson Ave Unit NA Pittsburgh, PA	3.0	1.0	1440	$1,500	$1.04	24d	1	1.11mi
2323 Patterson Ave Pittsburgh, PA	3.0	1.0	1440	$1,800	$1.25	44d	1	1.11mi
6581 Rosemoor St Pittsburgh, PA	3.0	2.5	1752	$2,800	$1.60	13d	1	1.19mi
407 Biddle Ave #3 Pittsburgh, PA	3.0	1.0	1200	$1,700	$1.42	44d	1	1.38mi
351 W 12th Ave Homestead, PA	5.0	2.0	1856	$2,300	$1.24	2d	1	1.40mi

Listing history 24 events

1. 2026-06-21
   days on market $242,000 Active 109 DOM
2. 2026-06-18
   days on market $242,000 Active 106 DOM
3. 2026-06-17
   days on market $242,000 Active 105 DOM
4. 2026-06-16
   days on market $242,000 Active 104 DOM
5. 2026-06-15
   days on market $242,000 Active 103 DOM
6. 2026-06-13
   days on market $242,000 Active 101 DOM
7. 2026-06-09
   days on market $242,000 Active 97 DOM
8. 2026-06-08
   days on market $242,000 Active 96 DOM
9. 2026-06-07
   days on market $242,000 Active 95 DOM
10. 2026-06-05
    days on market $242,000 Active 92 DOM
11. 2026-06-03
    days on market $242,000 Active 91 DOM
12. 2026-06-02
    days on market $242,000 Active 90 DOM
13. 2026-06-01
    days on market $242,000 Active 89 DOM
14. 2026-05-31
    days on market $242,000 Active 88 DOM
15. 2026-05-19
    price $242,000 1189-char remark

    Show marketing remark (1189 chars)

    Welcome to this beautifully renovated 3-bedroom, 1-bath gem nestled in the heart of Swisshelm Park! Blending modern updates with timeless charm, this move-in-ready home shines with stylish finishes and inviting spaces throughout. Step inside to a bright, sun-drenched living area featuring warm hardwood floors and a character-filled decorative fireplace — the perfect focal point for cozy evenings at home. The fully updated kitchen is designed to impress, showcasing crisp white cabinetry, sleek countertops, and stainless steel appliances, including a gas stove, refrigerator, and dishwasher — ideal for both everyday living and entertaining. Upstairs, you’ll find three comfortable bedrooms filled with natural light, along with a versatile bonus room on the top floor — perfect for a home office, playroom, or creative retreat. Outside, enjoy a charming front yard and a flat, fully fenced backyard offering privacy and space for relaxing, gardening, or gatherings. Conveniently located near shopping, dining, and major roadways, this home offers the perfect combination of comfort, style, and accessibility. Don’t miss your opportunity to make it yours!

16. 2026-03-04
    listed $245,000 Active 1189-char remark

    Show marketing remark (1189 chars)

    Welcome to this beautifully renovated 3-bedroom, 1-bath gem nestled in the heart of Swisshelm Park! Blending modern updates with timeless charm, this move-in-ready home shines with stylish finishes and inviting spaces throughout. Step inside to a bright, sun-drenched living area featuring warm hardwood floors and a character-filled decorative fireplace — the perfect focal point for cozy evenings at home. The fully updated kitchen is designed to impress, showcasing crisp white cabinetry, sleek countertops, and stainless steel appliances, including a gas stove, refrigerator, and dishwasher — ideal for both everyday living and entertaining. Upstairs, you’ll find three comfortable bedrooms filled with natural light, along with a versatile bonus room on the top floor — perfect for a home office, playroom, or creative retreat. Outside, enjoy a charming front yard and a flat, fully fenced backyard offering privacy and space for relaxing, gardening, or gatherings. Conveniently located near shopping, dining, and major roadways, this home offers the perfect combination of comfort, style, and accessibility. Don’t miss your opportunity to make it yours!

17. 2025-05-21
    listed $239,000 Active 818-char remark

    Show marketing remark (818 chars)

    This property boasts an enviable location, offering easy access to I376 and vibrant neighborhoods like Shadyside, Squirrel Hill, Bakery Square and Regent Square. With its open floor plan, abundant natural light, and neutral decor, it exudes warmth and charm. Living room with a decorative fireplace adds character. Spacious dinning room open to an efficient kitchen, good for entertaining and gathering. Recent updates including a brand-new kitchen, freshly painted walls, refinished hardwood floors, and modernized bathrooms enhance its appeal. Featuring three spacious bedrooms and a bonus attic space ideal for an exercise room and a den. A fenced-in side yard perfect for outdoor activities, BBQ, vegetable or flower garden. With its move in condition, this home offers both comfort and convenience in one package.

18. 2025-01-22
    historical Expired
19. 2024-09-05
    listed $239,000 Active
20. 2024-08-13
    historical Expired
21. 2024-05-15
    listed $239,000 Active
22. 1999-04-09
    soldstatus $53,000
23. 1999-04-07
    soldstatus $53,000
24. 1998-06-24
    listed $35,000

ⓘ 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: $2,160 · $180/mo
• Projected year-2 tax: $2,992 · $249/mo
• Expected delta: +$832/yr (+$69/mo · 38.5%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 17 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: $21,364
• − Mortgage interest: −$13,556
• − Property taxes: −$2,160
• − Insurance: −$1,210
• − Repairs & maintenance: −$1,709
• − Management: −$1,709
• − Depreciation: −$7,040
• Taxable loss: −$6,020
• Est. tax savings @ 24.0%: +$1,445
• After-tax cash flow: $-276/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: Woodland Hills SD
• NCES district ID: 4216500
• Math proficiency: 13% ▼ -13.00%
• Reading proficiency: 30% ▼ -10.00%
• Median HH income: $41,803
• Composite: 18.31/100
• National rank: #8954
• State rank: #486 of 539 in PA

Livability — Swissvale

• Score: 84/100
• State rank: #95
• US rank: #694

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Swissvale, PA
• County: Allegheny County · 1,022,028 people
• City population: 13,443
• Metro: Pittsburgh, PA
• Population (ZIP): 13,379
• Household income: $67,960
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 605.0

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 (69%)
• Race & ethnicity: White 69% Black 19% Two or more races 7% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 6% Serbian 2% Lithuanian 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% Chinese 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: ▼ -188.20%
• Current HPI: 297.8483
• Rent YoY: ▲ 6.02%
• 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

+591.4% since first listed

10 events — show timeline

• 2026-05-19 Price Changed $242,000 West Penn MLS
• 2026-03-04 Listed $245,000 West Penn MLS
• 2025-05-21 Listed $239,000 West Penn MLS
• 2025-01-22 Delisted — West Penn MLS
• 2024-09-05 Listed $239,000 West Penn MLS
• 2024-08-13 Delisted — West Penn MLS
• 2024-05-15 Listed $239,000 West Penn MLS
• 1999-04-09 Sold (Public Records) $53,000 Public Records
• 1999-04-07 Sold (MLS) $53,000 West Penn MLS
• 1998-06-24 Listed $35,000 West Penn MLS

Property tax history

-4.1%/yr

Latest (2026): $2,160 · +5.6% YoY. Source: county tax records.