1343 Virginia Ave · Monaca, PA 15061

$150,000

3 bd · 1.0 ba · 1,232 sqft · SingleFamily public records · 3 Days on market

Built 1930 3,049 sqft lot Est $182k · 18% 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).

• ARV discount +15.0/15.0
• Cash flow +14.3/30.0
• Schools +5.0/10.0
• DSCR +4.3/10.0
• 1% rule +4.0/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

CHARMING HOME! MANY UPDATES: NEW SID'G, ROOF, WIN, AIR & ELECTRICAL! * * CALL SELLER B4 SHOWING * * (MISSY'S

Key facts

• Covered front porch
• Functional kitchen
• Decorative fireplace

Tags

• COVERED FRONT PORCH
• DECORATIVE FIREPLACE
• FUNCTIONAL KITCHEN
• DETACHED ONE CAR GARAGE
• OFF STREET PARKING
• NEWER ROOF

Property features AI

Exterior

• Parking: Detached garage with off-street parking (1 total parking space indicated)
• Utilities: Public water; Public sewer
• Home design: Two-story home; Vinyl siding; Asphalt roof; Resale property
• Construction: Vinyl siding construction; Asphalt roof
• Exterior features: Lot approximately 30x100; Small lot (about 0.07 acres)

Interior

• Kitchen: Kitchen on main level (13x09)
• Bedrooms: Three bedrooms (two upper-level bedrooms listed with dimensions: 13x11 and 13x12; a third upper bedroom 10x09)
• Bathrooms: One full bathroom
• Heating & cooling: Forced air gas heating; Central air conditioning
• Interior features: Full basement with interior entry; Fireplace in the living/family room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-29 ($-348/yr) — negative.
• To cash-flow at today's rent, offer at most $145k (3.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (10.2% below list).
• Recommended offer: $135k (10.2% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.6% in Monaca — 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 81/100 on livability (#182 in PA, #1,516 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, employment D-.
• Zoned schools: Todd Lane El Sch (math 44% / reading 61%, grade C-, #578 of 1,518 statewide, top 38%, 493 students, 28% FRL); Central Valley Ms (math 26% / reading 58%, grade D-, #221 of 512 statewide, top 45%, 543 students, 23% FRL); Central Valley Hs (math 87%, 709 students, 22% FRL).
• Market conditions: 79 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 272 units permitted in Beaver County in 2024 (80 in 5+ unit buildings).

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.
• Beaver County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 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 $81k; list at $150k implies a 85% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,691 (10.2% 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 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.90% ✗
• Cap rate: 6.51%
• Cash-on-cash: 0.76%
• DSCR: 1.03
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $182,336
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1213 Virginia Ave	0.15mi	3/1.5	1,290 (+5%)	3mo	$105,000	$81	80
1533 Indiana Ave	0.14mi	2/1.0 (-1)	1,072 (-13%)	7mo	$150,000	$140	61
303 13th St	0.09mi	2/2.0 (-1)	1,096 (-11%)	9mo	$159,900	$146	61
1536 Marshall Rd	0.63mi	3/1.0	1,280 (+4%)	4mo	$65,000	$51	60
600 Indiana Ave	0.60mi	3/2.5	1,288 (+4%)	1mo	$190,000	$148	58
627 Wayne Ave	0.67mi	3/2.0	1,170 (-5%)	2mo	$203,000	$174	54
1199 Marshall Rd	0.66mi	3/2.0	1,333 (+8%)	2mo	$225,000	$169	50
1215 Cascade Rd	0.67mi	3/2.0	1,316 (+7%)	8mo	$225,000	$171	46
211 8th St	0.52mi	2/1.5 (-1)	1,080 (-12%)	3mo	$82,500	$76	46
611 Alexander Ave	0.72mi	3/1.5	1,104 (-10%)	4mo	$229,900	$208	44
1201 Marshall Rd	0.65mi	3/1.0	1,372 (+11%)	9mo	$165,000	$120	43
1044 Charles St	0.66mi	4/3.0 (+1)	1,404 (+14%)	8mo	$259,000	$184	26

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.6%
• Equity multiple: 0.38×
• Total profit: $-26,098
• Equity at exit: $22,365

10-year hold

• IRR: -9.6%
• Equity multiple: 0.41×
• Total profit: $-24,880
• Equity at exit: $12,969

Cash invested: $42,000 (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 15061

• Home prices YoY: -28.6%
• Active inventory: 79
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,347 high
• Mortgage (P&I): −$787
• Tax from tax record: −$188 /mo · $2,261/yr
• Insurance: −$62
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $-29

Break-even live

Break-even rent $1,384

Max offer price $144,879

Occupancy floor 97%

Sensitivity live

Price	-10% $56	-5% $13	+0% $-29	+5% $-71	+10% $-114
Rent	-10% $-135	-5% $-82	+0% $-29	+5% $24	+10% $77
Rate	-1.0pp $47	-0.5pp $9	base $-29	+0.5pp $-68	+1.0pp $-107

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1228 Eckert Rd Monaca, PA	4.0	1.0	1185	$1,550	$1.31	45d	1	0.71mi
1003 Locust Dr Monaca, PA	3.0	2.5	1320	$1,650	$1.25	16d	1	0.85mi
635 3rd Ave Freedom, PA	2.0	1.0	1050	$950	$0.90	0d	1	0.99mi
243 Pennsylvania Ave Unit 1 Rochester, PA	2.0	1.0	1000	$1,100	$1.10	16d	1	1.01mi
2014 Birch Rd Monaca, PA	3.0	2.5	1192	$1,825	$1.53	0d	1	1.04mi
526 Adams St Unit 2 Rochester, PA	3.0	1.0	1000	$850	$0.85	45d	1	1.13mi
230 W Madison St Unit 6 Rochester, PA	2.0	1.0	975	$1,100	$1.13	0d	1	1.19mi
467 Reno St Rochester, PA	3.0	1.0	1092	$1,200	$1.10	3d	1	1.23mi
1401 4th Ave #1 Freedom, PA	2.0	1.0	955	$850	$0.89	5d	1	1.46mi

Listing history 3 events

1. 2026-06-21
   days on market $150,000 Active 3 DOM
2. 2026-06-19
   remarks 699-char remark
3. 2026-06-19
   listed $150,000 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: $2,261 · $188/mo
• Projected year-2 tax: $2,315 · $193/mo
• Expected delta: +$55/yr (+$5/mo · 2.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 76% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥97°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,163
• − Mortgage interest: −$8,402
• − Property taxes: −$2,261
• − Insurance: −$1,416
• − Repairs & maintenance: −$1,293
• − Management: −$1,293
• − Depreciation: −$4,364
• Taxable loss: −$2,866
• Est. tax savings @ 24.0%: +$688
• After-tax cash flow: $340/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)

No district data.

Livability — Monaca

• Score: 81/100
• State rank: #182
• US rank: #1516

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monaca, PA
• County: Beaver County · 116,001 people
• City population: 12,413
• Metro: Pittsburgh, PA
• Population (ZIP): 12,413
• Household income: $73,010
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 123.0

Population outlook (Beaver County) Hauer SSP2

• Today (2025): 164,976 people
• By 2030: 161,449 · -2.1%
• By 2040: 151,752 · -8.0%
• By 2050: 141,155 · -14.4%
• By 2075: 118,142 · -28.4%
• By 2100: 91,740 · -44.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 5% Black 5% Hispanic / Latino 3%
• Common ancestry: Romanian 6% Serbian 3% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Beaver

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -17.9pp toward R · 2008: -2.8pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+17.7 2016: R+20.1 2012: R+6.6 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -93.11%
• Current HPI: 232.6703
• Rent YoY: —
• 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

+900.0% since first listed

7 events — show timeline

• 2026-06-18 Listed $150,000 West Penn MLS
• 2001-07-26 Sold (Public Records) $81,000 Public Records
• 1998-12-17 Sold (Public Records) $68,000 Public Records
• 1998-12-17 Sold (MLS) $68,000 West Penn MLS
• 1998-06-29 Listed $73,000 West Penn MLS
• 1990-01-31 Sold (Public Records) $28,000 Public Records
• 1979-10-01 Sold (Public Records) $15,000 Public Records

Property tax history

+2.5%/yr

Latest (2026): $2,261 · +4.3% YoY. Source: county tax records.