508 Curtin St · Harrisburg, PA 17110

$132,000

5 bd · 1.0 ba · 1,836 sqft · SingleFamily public records · 31 Days on market

Built 1910 871 sqft lot $72/sqft · 14% above area Est $104k · 27% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• Livability +4.2/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

Key facts

• Updated electrical
• Off street parking
• Updated windows

Tags

• UPDATED ROOF
• UPDATED WINDOWS
• UPDATED ELECTRICAL
• UPDATED PLUMBING
• OFF STREET PARKING

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public septic; Natural gas available; 100 amp electric with circuit breakers
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Property in good condition
• Construction: Brick and stick-built construction; Stone foundation; Asphalt roof; Full basement; Estimated year built
• Exterior features: Level lot; Balcony

Interior

• Kitchen: Gas oven/range
• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Flooring: Laminate plank; Ceramic tile; Hardwood
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Wall unit cooling; Natural gas heating and hot water
• Interior features: Formal separate dining room; Storm door
• Laundry & utility: Basement utility space (full basement)

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $132k.

Deal economics

• At list price, monthly cash flow is $552 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $132k).
• Recommended offer: $128k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 6.6% in Harrisburg — 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 84/100 on livability (#107 in PA, #826 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D, crime F.
• Harrisburg City SD (urban): math 6% / reading 13% proficiency, ranked #535 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Harrisburg Hs (math 24% / reading 10%, grade F, #399 of 437 statewide, top 92%, 1,230 students, 100% FRL) — zoned schools average 100% FRL vs 82% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 170 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 57% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $913 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $37k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y 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 $57k; list at $132k implies a 132% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $128,040 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.38% ✓
• Cap rate: 11.31%
• Cash-on-cash: 17.93%
• DSCR: 1.80
• GRM: 6.0

CMA / ARV

• ARV (median comp): $103,920
• List price: $132,000
• Delta: 27.02%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2941 N 6th St	0.63mi	4/1.5 (-1)	1,750 (-5%)	5mo	$230,000	$131	51
2951 N 6th St	0.67mi	4/2.0 (-1)	1,629 (-11%)	7mo	$75,000	$46	35

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 · 1.55% rent growth · sell at horizon

5-year hold

• IRR: 7.9%
• Equity multiple: 1.30×
• Total profit: $11,179
• Equity at exit: $19,682

10-year hold

• IRR: 15.9%
• Equity multiple: 2.21×
• Total profit: $44,637
• Equity at exit: $11,413

Cash invested: $36,960 (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 17110

• Rents YoY: 1.6%
• Active inventory: 170
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,822 high
• Mortgage (P&I): −$692
• Tax from tax record: −$140 /mo · $1,677/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $552

Break-even live

Break-even rent $1,123

Max offer price $132,000

Occupancy floor 65%

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: $33,000
• Closing costs: $3,960
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2406 Reel St Harrisburg, PA	4.0	1.0	1500	$1,395	$0.93	44d	1	0.08mi
652 Emerald St Harrisburg, PA	5.0	1.0	1550	$1,740	$1.12	44d	1	0.18mi
2118 N 4th St Harrisburg, PA	4.0	1.0	1383	$1,595	$1.15	44d	1	0.26mi
514 Radnor St Harrisburg, PA	4.0	1.0	1498	$1,600	$1.07	44d	1	0.31mi
2153 Penn St Harrisburg, PA	4.0	2.0	1620	$1,995	$1.23	44d	1	0.37mi
2032 Susquehanna St Harrisburg, PA	4.0	1.5	1600	$1,595	$1.00	44d	1	0.42mi
2715 N 6th St Harrisburg, PA	4.0	1.0	1620	$1,650	$1.02	14d	1	0.46mi
2728 N 6th St Harrisburg, PA	4.0	2.0	1786	$1,750	$0.98	14d	1	0.49mi
1834 Green St Harrisburg, PA	4.0	1.0	1792	$1,495	$0.83	23d	1	0.58mi
1716 N 6th St Unit NA Harrisburg, PA	4.0	4.0	2400	$2,000	$0.83	23d	1	0.61mi
1716 N 6th St Harrisburg, PA	4.0	3.5	2400	$2,200	$0.92	44d	1	0.61mi
1330 Susquehanna St Harrisburg, PA	4.0	1.5	2280	$1,895	$0.83	23d	1	0.98mi
3216 Green St Harrisburg, PA	4.0	2.0	1550	$2,200	$1.42	14d	1	1.10mi
1202 Penn St Harrisburg, PA	4.0	1.0	1706	$1,495	$0.88	44d	1	1.11mi

Listing history 20 events

1. 2026-06-07
   statusdays on market $132,000 Pending 31 DOM
2. 2026-06-03
   days on market $132,000 Active 29 DOM
3. 2026-06-02
   days on market $132,000 Active 28 DOM
4. 2026-06-01
   days on market $132,000 Active 27 DOM
5. 2026-05-31
   days on market $132,000 Active 26 DOM
6. 2026-05-31
   days on market $132,000 Active 25 DOM
7. 2026-05-12
   status Active 311-char remark
8. 2026-05-06
   status Pending 311-char remark
9. 2026-04-29
   listed $132,000 Active 311-char remark
10. 2023-05-08
    soldstatus $57,000
11. 2023-04-27
    soldstatus $57,000 Closed 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

12. 2023-02-21
    status Pending 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

13. 2023-02-11
    price $61,900 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

14. 2022-11-14
    price $66,900 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

15. 2022-10-02
    status Active 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

16. 2022-09-30
    historical 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

17. 2022-08-23
    listed $69,900 Active 936-char remark

    Show marketing remark (936 chars)

    INVESTOR ALERT! Huge 5-bedroom house That is a cash flow machine! Brand new furnace installed. Long term tenant already in place turn key delivering strong cash flow off the start for a new owner. Well maintained home over the years from annual inspections and routine repairs and maintenance. The combination of strong top market rent, section 8 guaranteed rent already in place, a tenant that has been there for years not looking to move, and a consistent documented history of repairs and maintenance (copies of all maintenance done available upon request including the new furnace recently installed) as well as documented verifiable records of financial performance make this is a great income producing asset for the new investor! Owner is just pulling the funds out of this property for a new deal or wouldn’t be selling. Don’t wait, make this asset yours today! List of multiple properties available upon request!

18. 2008-02-28
    soldstatus $32,000

    Show marketing remark (254 chars)

    Very clean, solid 5 bedroom brick home with front porch & gas heat. Great for investors. No work to do & vacant. Should be up to code. City inspection ordered. Long time owner. Off street parking in rear for 2 cars. Interior recently painted.

19. 2008-01-23
    historical

    Show marketing remark (254 chars)

    Very clean, solid 5 bedroom brick home with front porch & gas heat. Great for investors. No work to do & vacant. Should be up to code. City inspection ordered. Long time owner. Off street parking in rear for 2 cars. Interior recently painted.

20. 2007-11-10
    listed $39,900

    Show marketing remark (254 chars)

    Very clean, solid 5 bedroom brick home with front porch & gas heat. Great for investors. No work to do & vacant. Should be up to code. City inspection ordered. Long time owner. Off street parking in rear for 2 cars. Interior recently painted.

ⓘ 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: $1,677 · $140/mo
• Projected year-2 tax: $1,882 · $157/mo
• Expected delta: +$204/yr (+$17/mo · 12.2%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,863
• − Mortgage interest: −$7,394
• − Property taxes: −$1,677
• − Insurance: −$660
• − Repairs & maintenance: −$1,749
• − Management: −$1,749
• − Depreciation: −$3,840
• Taxable income: $4,794
• Est. tax owed @ 24.0%: −$1,150
• After-tax cash flow: $5,477/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: Harrisburg City SD
• NCES district ID: 4211580
• Math proficiency: 6% ▼ -6.00%
• Reading proficiency: 13% ▼ -10.00%
• Median HH income: $33,432
• Composite: 7.6/100
• National rank: #9945
• State rank: #535 of 539 in PA

Livability — Harrisburg

• Score: 84/100
• State rank: #107
• US rank: #826

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harrisburg, PA
• County: Dauphin County · 247,857 people
• City population: 184,296
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 27,364
• Household income: $80,699
• Rent vs Own: 41.6% rent · 58.4% own
• Severe rent burden: 1037.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 47% Black 32% Hispanic / Latino 9% Asian 7% Two or more races 6%
• Hispanic origin (detail): Puerto Rican 6% Dominican 1%
• Common ancestry: Italian 3% Romanian 2% Slovak 1%
• Foreign-born: 8% · Canada, India, Vietnam
• Languages at home: 88% English-only · Spanish 6% Other Indo-European 2% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -144.07%
• Current HPI: 257.826
• Rent YoY: ▲ 1.55%
• Metro: Harrisburg-Carlisle, 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

+230.8% since first listed

15 events — show timeline

• 2026-06-05 Pending — BRIGHT MLS
• 2026-05-12 Relisted — BRIGHT MLS
• 2026-05-06 Pending — BRIGHT MLS
• 2026-04-29 Listed $132,000 BRIGHT MLS
• 2023-05-08 Sold (Public Records) $57,000 Public Records
• 2023-04-27 Sold (MLS) $57,000 BRIGHT MLS
• 2023-02-21 Pending — BRIGHT MLS
• 2023-02-11 Price Changed $61,900 BRIGHT MLS
• 2022-11-14 Price Changed $66,900 BRIGHT MLS
• 2022-10-02 Relisted — BRIGHT MLS
• 2022-09-30 Listing Removed — BRIGHT MLS
• 2022-08-23 Listed $69,900 BRIGHT MLS
• 2008-02-28 Sold (MLS) $32,000 BRIGHT MLS
• 2008-01-23 Listing Removed — BRIGHT MLS
• 2007-11-10 Listed $39,900 BRIGHT MLS

Property tax history

+1.0%/yr

Latest (2026): $1,677 · +1.6% YoY. Source: county tax records.