1310 Cambria Ave · Connellsville, PA 15425

$43,000

3 bd · 1.0 ba · 1,372 sqft · SingleFamily public records · 43 Days on market

Built 1900 8,611 sqft lot ↓ 14% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

Key facts

• 8,611 sq ft lot
• Built 1900
• Listed 43 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Two-story home; Resale property
• Construction: Aluminum siding; Asphalt roof
• Exterior features: Lot dimensions approximately 46.8 x 145.68

Interior

• Kitchen: Kitchen on main level
• Bedrooms: Bedroom (Upper level); Bedroom (Upper level)
• Flooring: Laminate flooring; Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating; Hot water heating
• Interior features: Partial walk-out basement; Basement present; 8 total rooms
• Laundry & utility: Laundry room on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $43k.

Deal economics

• At list price, monthly cash flow is $458 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($995 rent vs $43k).
• Recommended offer: $42k (3.0% below list) — sets the bar for market timing.
• Cap rate 19.1% vs local median 6.8% in Connellsville — 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 72/100 on livability (#602 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools D+, commute D+, crime D-.
• Connellsville Area SD (rural): math 23% / reading 39% proficiency, ranked #440 of 539 in PA (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 65 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 201 units permitted in Fayette County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $297 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Fayette County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $12k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($42k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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 $30k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $41,710 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 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 1900 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is D 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?
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: 2.31% ✓
• Cap rate: 19.08%
• Cash-on-cash: 45.65%
• DSCR: 3.03
• GRM: 3.6

CMA / ARV

• ARV (on-the-fly): $181,104
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
203 Houston Ave	0.63mi	3/1.0	1,440 (+5%)	8mo	$189,900	$132	56

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: 42.9%
• Equity multiple: 2.85×
• Total profit: $22,240
• Equity at exit: $6,411

10-year hold

• IRR: 48.9%
• Equity multiple: 5.74×
• Total profit: $57,071
• Equity at exit: $3,718

Cash invested: $12,040 (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 15425

• Home prices YoY: -15.9%
• Active inventory: 65
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $995 medium
• Mortgage (P&I): −$225
• Tax from tax record: −$85 /mo · $1,015/yr
• Insurance: −$18
• HOA: −$0
• Vacancy / Maint / Mgmt: −$209
• Net cashflow: $458

Break-even live

Break-even rent $415

Max offer price $43,000

Occupancy floor 49%

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: $10,750
• Closing costs: $1,290
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
204 Meason St Connellsville, PA	2.0	1.5	1136	$995	$0.88	43d	1	1.13mi

Listing history 8 events

1. 2026-05-01
   status Pending
2. 2026-03-18
   listed $43,000 Active
3. 2022-07-11
   soldstatus $30,000 Closed 1010-char remark

   Show marketing remark (1010 chars)

   INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

4. 2022-06-24
   status Pending 1010-char remark

   Show marketing remark (1010 chars)

   INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

5. 2022-06-05
   price $34,900 1010-char remark

   Show marketing remark (1010 chars)

   INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

6. 2022-03-29
   price $39,900 1010-char remark

   Show marketing remark (1010 chars)

   INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

7. 2021-12-15
   listed $44,900 Active 1010-char remark

   Show marketing remark (1010 chars)

   INVESTORS. .. FLIPPERS. .. . HERE IS THE PERFECT OPPORTUNITY TO MAKE SOME $$$$. .. THIS CHARMING 3 BEDROOM 1 FULL BATH CORNER LOT HOME IS READY FOR YOUR IMAGINATION. .. GREAT STREET AND GREAT NEIGHBORHOOD. .. EXCELLENT LOCATION, CLOSE TO SCHOOLS, RESTURANTS, ENTERTAINMENT, AND SHOPPING. THE FRONT FOYER IS HUGE AND CAN ACCOMMODATE A HOME OFFICE, HALL TREE, OR 1ST FLOOR LAUNDRY. THE DINING ROOM IS A GREAT SPOT FOR THOSE FAMILY DINERS AND FLOWS TO THE LARGE OVER-SIZED EAT IN KITCHEN. THE LIVING ROOM IS THE PWERFECT SIZE AND IS CONNECTED TO THE FRONT FOYER AND DINING ROOM. THE THREE BEDROOMS ARE ON THE UPPER LEVEL AND ARE A VERY NICE SIZE WITH PLENTY OF STORAGE SPACE. THE LOWER LEVEL HAS A EXTRA BONUS ROOM, PERFECT FOR 1ST FLOOR LAUNDRY, OFFICE, OR A NICE PANTRY. THE HOME HAS A NEW BOILER INSTALLED AND THE LOWER LEVEL WOULD BE A GREAT WORK SHOP WITH A LITTLE CLEANING AND TLC. THE YARD IS PERFECT SIZE, AND WOULD BE GREAT FOR THE LITTLE ONES TO PLAY. .. LEVEL YARD, AND ENOUGH SPACE FOR SHED OR GARAGE.

8. 2021-02-26
   listed $49,900 Active 60-char remark

   Show marketing remark (60 chars)

   Great corner lot being sold AS-IS! Quiet Dunbar neighborhood

ⓘ 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: $1,015 · $85/mo
• Projected year-2 tax: $1,015 · $85/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 4/10 Moderate 7 d/yr ≥96°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,940
• − Mortgage interest: −$2,409
• − Property taxes: −$1,015
• − Insurance: −$215
• − Repairs & maintenance: −$955
• − Management: −$955
• − Depreciation: −$1,251
• Taxable income: $5,140
• Est. tax owed @ 24.0%: −$1,234
• After-tax cash flow: $4,263/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: Connellsville Area SD
• NCES district ID: 4206660
• Math proficiency: 23% ▼ -15.00%
• Reading proficiency: 39% ▼ -10.00%
• Median HH income: $39,315
• Composite: 25.95/100
• National rank: #7333
• State rank: #440 of 539 in PA

Livability — Connellsville

• Score: 72/100
• State rank: #602
• US rank: #5763

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 17,752

Population outlook (Fayette County) Hauer SSP2

• Today (2025): 127,561 people
• By 2030: 123,206 · -3.4%
• By 2040: 113,232 · -11.2%
• By 2050: 103,468 · -18.9%
• By 2075: 83,185 · -34.8%
• By 2100: 62,384 · -51.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Black 1%
• Common ancestry: Romanian 7% Iranian 2% Slovak 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Fayette

• 2024 margin: Solid R (+37.9) · D 30.8% · R 68.7%
• 2008→2024 swing: -37.5pp toward R · 2008: -0.4pp · 2024: -37.9pp
• All cycles: 2024: R+37.9 2020: R+33.5 2016: R+31.0 2012: R+8.3 2008: R+0.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -36.63%
• Current HPI: 193.6086
• 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

-13.8% since first listed

8 events — show timeline

• 2026-05-01 Pending — West Penn MLS
• 2026-03-18 Listed $43,000 West Penn MLS
• 2022-07-11 Sold (MLS) $30,000 West Penn MLS
• 2022-06-24 Pending — West Penn MLS
• 2022-06-05 Price Changed $34,900 West Penn MLS
• 2022-03-29 Price Changed $39,900 West Penn MLS
• 2021-12-15 Listed $44,900 West Penn MLS
• 2021-02-26 Listed $49,900 West Penn MLS

Property tax history

+3.3%/yr

Latest (2026): $1,015 · +0.0% YoY. Source: county tax records.