74 Quarry Hill Rd · Clifford, PA 18470

$249,900

2 bd · 2.0 ba · 1,580 sqft · SingleFamily · 5 Days on market

Built 1980 1.58 ac lot

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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 +15.6/30.0
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• DSCR +4.8/10.0
• 1% rule +3.8/10.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Chalet nestled in a wooded setting just five minutes from Elk Mtn. Ski Area & I-81. Updated with many extras such as tile in kitchen, baths, & laundry room. Open floor plan for kitchen & living rooms. Beautiful wood flooring & a Blue Stone fireplace with gas burning insert in the living room. Lower level is daylighted & fully finished: family room w/ woodstove, slider to patio, bath, laundry, & mudroom. Relax on the large deck & enjoy the wooded setting. , Baths: 1 Bath Lev 1,1 Bath Lev L, Beds: 2+ Bed 1st, 1 Bed 2nd, SqFt Fin - Main: 744.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, SqFt Fin - 2nd: 140.00, Additional Info: Dishwasher just purchased, Cookstove purchased one year ago. Log construction behind wood board & batten siding.

Key facts

• Open floor plan
• Nicely sized lot
• Backyard

Tags

• PRIVATE YARD
• OPEN FLOOR PLAN
• FINISHED LOWER LEVEL
• BACKYARD
• PATIO
• NICELY SIZED LOT

Property features AI

Finance

• Other: Lot size approximately 1.58 acres; Lot dimensions: 64 x 137 x 387 x 175 x 481 x 55; Paved road frontage (64.00 ft)

Exterior

• Parking: Driveway; Off-street parking
• Utilities: Well water; Septic tank; Sewer connected; Water connected; 200+ amp electric service with circuit breakers
• Home design: Single-family residence; Residential property; Built in 1980 (estimated); Concrete perimeter foundation; Wood siding; Metal roof; Not in development
• Construction: Wood siding construction; Concrete perimeter foundation; Metal roof; Estimated year built 1980
• Exterior features: Private yard; Patio; Wrap-around porch; Back yard; Wooded lot; Sloped down lot; Cleared areas

Interior

• Kitchen: Range; Refrigerator; Eat-in layout
• Bedrooms: 2 bedrooms (one primary bedroom and one additional bedroom)
• Flooring: Hardwood; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Heat pump; Propane heating; Natural gas available; Electric heating; Wall/window cooling units
• Interior features: Ceiling fans; High ceilings; Eat-in kitchen; Fireplace(s); Finished walk-out full basement
• Laundry & utility: Finished basement space suitable for utilities

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $104 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $219k (12.4% below list).
• Recommended offer: $219k (12.4% 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.
• Mountain View SD (rural): math 30% / reading 50% proficiency, ranked #351 of 539 in PA (top 65%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 32 active listings in the ZIP; 80 units permitted in Susquehanna County in 2024 (5 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($2k loan paydown + $10k appreciation (4.1% local appreciation)).
• Susquehanna County population projected at -30% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.1% appreciation + 3.0% rent growth), your $70k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$40k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $125k; list at $250k implies a 100% gain — meaningful room to come down on a strong offer.

Recommended offer $218,984 (12.4% below list)

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. 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?
3. 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.
4. 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.
5. 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: 0.88% ✗
• Cap rate: 6.79%
• Cash-on-cash: 1.78%
• DSCR: 1.08
• GRM: 9.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

4.1% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.1%
• Equity multiple: 1.74×
• Total profit: $51,512
• Equity at exit: $128,130

10-year hold

• IRR: 13.5%
• Equity multiple: 3.24×
• Total profit: $156,640
• Equity at exit: $210,713

Cash invested: $69,972 (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 18470

• Home prices YoY: 2.4%
• Active inventory: 32
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,190 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$211 /mo · $2,537/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$460
• Net cashflow: $104

Break-even live

Break-even rent $2,058

Max offer price $249,900

Occupancy floor 90%

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-06-16
   status $249,900 Pending 5 DOM
2. 2026-06-16
   days on market $249,900 Active 5 DOM
3. 2026-06-15
   days on market $249,900 Active 4 DOM
4. 2026-06-14
   days on market $249,900 Active 2 DOM
5. 2026-06-13
   remarks 699-char remark
6. 2026-06-13
   listed $249,900 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: $2,537 · $211/mo
• Projected year-2 tax: $3,243 · $270/mo
• Expected delta: +$706/yr (+$59/mo · 27.8%)

ⓘ 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 2/10 Low 7 d/yr ≥91°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,278
• − Mortgage interest: −$13,998
• − Property taxes: −$2,537
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,102
• − Management: −$2,102
• − Depreciation: −$7,270
• Taxable loss: −$2,981
• Est. tax savings @ 24.0%: +$715
• After-tax cash flow: $1,962/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: Mountain View SD
• NCES district ID: 4216050
• Math proficiency: 30% ▼ -17.00%
• Reading proficiency: 50% ▼ -13.00%
• Median HH income: $50,744
• Composite: 34.49/100
• National rank: #5183
• State rank: #351 of 539 in PA

Livability — Clifford

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

Census & demographics

• Population (ZIP): 2,296

Population outlook (Susquehanna County) Hauer SSP2

• Today (2025): 37,552 people
• By 2030: 35,270 · -6.1%
• By 2040: 30,663 · -18.3%
• By 2050: 26,492 · -29.5%
• By 2075: 19,658 · -47.7%
• By 2100: 15,179 · -59.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 6% Hispanic / Latino 6%
• Hispanic origin (detail): Puerto Rican 2% Cuban 2%
• Common ancestry: Romanian 9% Scotch-Irish 5% Slovak 2%
• Foreign-born: 2%
• Languages at home: 97% English-only · Spanish 2% Tagalog/Filipino 1%

Political lean MEDSL · Susquehanna

• 2024 margin: Solid R (+44.7) · D 27.2% · R 71.9%
• 2008→2024 swing: -33.0pp toward R · 2008: -11.7pp · 2024: -44.7pp
• All cycles: 2024: R+44.7 2020: R+41.2 2016: R+42.9 2012: R+21.4 2008: R+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.10%
• Current HPI: 176.7866
• 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

+99.9% since first listed

3 events — show timeline

• 2026-06-11 Listed $249,900 GSBR as distributed by MLS GRID
• 2017-07-11 Sold (Public Records) $125,100 Public Records
• 2017-06-15 Sold (MLS) $125,000 GSBR as distributed by MLS GRID

Property tax history

+2.9%/yr

Latest (2026): $2,537 · +3.3% YoY. Source: county tax records.