121 Oak Rd · Bairdford, PA 15044

$105,000

2 bd · 1.0 ba · 997 sqft · SingleFamily public records · 3 Days on market

Built 1920 3,863 sqft lot Est $177k · 41% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

Key facts

• Heat pump
• Newer roof
• Central a/c

Tags

• INVESTMENT OPPORTUNITY
• NEWER ROOF
• HEAT PUMP
• CENTRAL A/C
• SIDING

Property features AI

Exterior

• Parking: Attached garage; Built-in parking
• Utilities: Public water; Public sewer
• Home design: Single-story home; Frame construction; Asphalt roof; Resale property
• Construction: Frame construction; Asphalt roof; Built in (year not provided)
• Exterior features: Small lot (approximately 0.0887 acres); Public transportation nearby

Interior

• Kitchen: Kitchen on main level (13 x 13)
• Bedrooms: Bedroom on main level (13 x 10)
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Heat pump; Central air conditioning
• Interior features: Carpet and laminate flooring; Basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $658 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $105k).

Location & tenants

• Location reads 66/100 on livability (#1,061 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Deer Lakes SD (suburban): math 39% / reading 59% proficiency, ranked #182 of 539 in PA (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Union Intrmd Sch (math 37% / reading 61%, grade D, #712 of 1,518 statewide, top 47%, 377 students, 49% FRL); Deer Lakes Ms (math 36% / reading 58%, grade D+, #163 of 512 statewide, top 33%, 422 students, 38% FRL); Deer Lakes Hs (math 52%, 583 students, 28% FRL) — zoned schools average 38% FRL vs 22% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 120 active listings in the ZIP; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 10y 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; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $105,000

Questions for the listing agent

1. Built in 1920 — 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. 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: 1.76% ✓
• Cap rate: 13.81%
• Cash-on-cash: 26.86%
• DSCR: 2.19
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $177,466
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
121 Oak Rd	0.00mi	2/1.0	997 (0%)	1mo	$107,000	$107	99
217 Orchard St	0.63mi	2/1.0	1,088 (+9%)	11mo	$194,000	$178	46

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: 20.8%
• Equity multiple: 1.85×
• Total profit: $24,966
• Equity at exit: $15,656

10-year hold

• IRR: 29.0%
• Equity multiple: 3.59×
• Total profit: $76,002
• Equity at exit: $9,078

Cash invested: $29,400 (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 15044

• Home prices YoY: -32.6%
• Active inventory: 120
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,846 medium
• Mortgage (P&I): −$551
• Tax from tax record: −$206 /mo · $2,471/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $658

Break-even live

Break-even rent $1,013

Max offer price $105,000

Occupancy floor 59%

Sensitivity live

Price	-10% $717	-5% $688	+0% $658	+5% $628	+10% $599
Rent	-10% $512	-5% $585	+0% $658	+5% $731	+10% $804
Rate	-1.0pp $711	-0.5pp $685	base $658	+0.5pp $631	+1.0pp $603

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-04-30
   status Pending
2. 2026-04-27
   listed $105,000 Active
3. 2017-01-20
   price $81,000 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

4. 2017-01-20
   status Under Contract 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

5. 2017-01-20
   soldstatus $81,000 Sold 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

6. 2017-01-01
   price $89,900 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

7. 2016-12-30
   historical Contingent 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

8. 2016-12-12
   listed $89,900 Active 321-char remark

   Show marketing remark (321 chars)

   Well maintained, clean and ready to move into 2 bedroom ranch on a corner lot. Large eat-in kitchen, Open living room/dining room area. Full unfinished basement would make a great game room. Half bath in the basement. 1 Car integral garage. Great Location within minutes to shopping, banking, Route 8 and the PA Turnpike.

ⓘ 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: $2,471 · $206/mo
• Projected year-2 tax: $2,471 · $206/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 ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,152
• − Mortgage interest: −$5,882
• − Property taxes: −$2,471
• − Insurance: −$525
• − Repairs & maintenance: −$1,772
• − Management: −$1,772
• − Depreciation: −$3,055
• Taxable income: $6,675
• Est. tax owed @ 24.0%: −$1,602
• After-tax cash flow: $6,294/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: Deer Lakes SD
• NCES district ID: 4207540
• Math proficiency: 39% ▼ -13.00%
• Reading proficiency: 59% ▼ -10.00%
• Median HH income: $57,944
• Composite: 42.64/100
• National rank: #3183
• State rank: #182 of 539 in PA

Livability — Bairdford

• Score: 66/100
• State rank: #1061
• US rank: #11993

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bairdford, PA
• City population: 116
• Population (ZIP): 27,844

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 (92%)
• Race & ethnicity: White 92% Two or more races 4% Asian 3%
• Common ancestry: Romanian 7% Serbian 3% Slovak 2%
• Foreign-born: 4% · China, Canada
• Languages at home: 96% English-only · Other Indo-European 2%

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: ▼ -130.02%
• Current HPI: 268.5433
• 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

+16.8% since first listed

8 events — show timeline

• 2026-04-30 Pending — West Penn MLS
• 2026-04-27 Listed $105,000 West Penn MLS
• 2017-01-20 Price Changed $81,000 West Penn MLS
• 2017-01-20 Pending — West Penn MLS
• 2017-01-20 Sold (MLS) $81,000 West Penn MLS
• 2017-01-01 Price Changed $89,900 West Penn MLS
• 2016-12-30 Contingent — West Penn MLS
• 2016-12-12 Listed $89,900 West Penn MLS

Property tax history

+3.5%/yr

Latest (2026): $2,471 · +0.0% YoY. Source: county tax records.