290 Glenwood Dr · Ambridge, PA 15003

$130,000

5 bd · 1.0 ba · 1,947 sqft · SingleFamily public records · 157 Days on market

Built 1915 9,147 sqft lot $67/sqft · 10% below area Est $144k · 10% 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).

• Cash flow +21.4/30.0
• ARV discount +12.0/15.0
• DSCR +6.8/10.0
• 1% rule +6.3/10.0
• Livability +3.9/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home features significant mechanical updates including an upgraded roof, newer furnace, and modern water heater, alongside a 200-amp electrical panel and updated plumbing. The interior layout begins with a large foyer featuring original hardwood floors and high ceilings, providing a functional space for a home office or greeting area. On the main floor, the living and dining rooms include decorative fireplaces and built-in storage. The kitchen is equipped with a gas stove, microwave, and a double-bowl undermount sink. A full bathroom is also located on the main level, featuring a walk-in shower with tile accents. Upstairs, the second floor includes a dedicated laundry room with a utility sink and a second full bathroom with a tub and shower combination. All four bedrooms offer generous dimensions with carpeted flooring and ample closet space, including a large closet on the third level. The primary bedroom provides space for a vanity area and features its own decorative fireplace. Exterior features include a covered front porch, a rear deck, and a deep backyard. Designated parking is located at the rear of the property with convenient access from the alley. The combination of updated systems and versatile living spaces makes this a practical choice for those seeking a large, functional home. Search the property address on YouTube for a full video tour.

Key facts

• Newer furnace
• Large foyer
• Modern water heater

Tags

• UPGRADED ROOF
• NEWER FURNACE
• MODERN WATER HEATER
• 200-AMP ELECTRICAL PANEL
• UPDATED PLUMBING
• LARGE FOYER

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $192 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.1% vs local median 6.3% in Ambridge — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#293 in PA, #2,594 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, employment D+, crime F.
• Ambridge Area SD (suburban): math 23% / reading 48% proficiency, ranked #408 of 539 in PA (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 59 active listings in the ZIP; 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 $899 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

• It's been on market 157 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $20k; list at $130k implies a 550% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $114,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 157 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.13% ✓
• Cap rate: 8.06%
• Cash-on-cash: 6.32%
• DSCR: 1.28
• GRM: 7.4

CMA / ARV

• ARV (median comp): $144,459
• List price: $130,000
• Delta: -10.01%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
687 Valley Rd	0.25mi	4/1.0 (-1)	1,970 (+1%)	1mo	$247,000	$125	81
4 Glenwood Dr	0.08mi	4/2.0 (-1)	1,782 (-8%)	7mo	$185,000	$104	67
652 Duss Ave	0.48mi	4/2.0 (-1)	1,958 (+1%)	6mo	$54,000	$28	62
629 Maplewood Ave	0.47mi	4/1.0 (-1)	1,907 (-2%)	12mo	$175,000	$92	60
538 Maplewood Ave	0.37mi	4/2.0 (-1)	2,082 (+7%)	5mo	$126,650	$61	58
346 Pine St	0.17mi	4/2.5 (-1)	1,767 (-9%)	11mo	$159,000	$90	57
532 Park Rd	0.39mi	5/1.5	1,842 (-5%)	18mo	$170,000	$92	56
512 Pine St	0.30mi	5/4.5	2,131 (+10%)	3mo	$245,000	$115	54
246 Park Rd	0.20mi	4/1.5 (-1)	1,804 (-7%)	22mo	$94,900	$53	54
900 Beaver Rd	0.60mi	4/3.0 (-1)	1,792 (-8%)	7mo	$210,000	$117	40
808 10th St	0.71mi	4/2.0 (-1)	1,989 (+2%)	23mo	$220,000	$111	35
956 Spruce St	0.68mi	4/2.0 (-1)	2,076 (+7%)	17mo	$110,000	$53	34

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: -6.5%
• Equity multiple: 0.76×
• Total profit: $-8,796
• Equity at exit: $19,383

10-year hold

• IRR: 3.2%
• Equity multiple: 1.23×
• Total profit: $8,318
• Equity at exit: $11,240

Cash invested: $36,400 (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 15003

• Home prices YoY: -15.7%
• Active inventory: 59
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,466 medium
• Mortgage (P&I): −$682
• Tax from tax record: −$230 /mo · $2,766/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $192

Break-even live

Break-even rent $1,223

Max offer price $130,000

Occupancy floor 82%

Sensitivity live

Price	-10% $265	-5% $228	+0% $192	+5% $155	+10% $118
Rent	-10% $76	-5% $134	+0% $192	+5% $250	+10% $307
Rate	-1.0pp $257	-0.5pp $225	base $192	+0.5pp $158	+1.0pp $124

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-21
   days on market $130,000 Active 157 DOM
2. 2026-06-18
   days on market $130,000 Active 154 DOM
3. 2026-06-17
   days on market $130,000 Active 153 DOM
4. 2026-06-16
   days on market $130,000 Active 152 DOM
5. 2026-06-15
   days on market $130,000 Active 151 DOM
6. 2026-06-13
   days on market $130,000 Active 149 DOM
7. 2026-06-13
   days on market $130,000 Active 148 DOM
8. 2026-06-09
   days on market $130,000 Active 145 DOM
9. 2026-06-08
   days on market $130,000 Active 144 DOM
10. 2026-06-07
    days on market $130,000 Active 143 DOM
11. 2026-06-03
    days on market $130,000 Active 139 DOM
12. 2026-06-02
    days on market $130,000 Active 138 DOM
13. 2026-06-01
    days on market $130,000 Active 137 DOM
14. 2026-05-31
    days on market $130,000 Active 136 DOM
15. 2026-04-23
    status Active 1379-char remark

    Show marketing remark (1379 chars)

    This home features significant mechanical updates including an upgraded roof, newer furnace, and modern water heater, alongside a 200-amp electrical panel and updated plumbing. The interior layout begins with a large foyer featuring original hardwood floors and high ceilings, providing a functional space for a home office or greeting area. On the main floor, the living and dining rooms include decorative fireplaces and built-in storage. The kitchen is equipped with a gas stove, microwave, and a double-bowl undermount sink. A full bathroom is also located on the main level, featuring a walk-in shower with tile accents. Upstairs, the second floor includes a dedicated laundry room with a utility sink and a second full bathroom with a tub and shower combination. All four bedrooms offer generous dimensions with carpeted flooring and ample closet space, including a large closet on the third level. The primary bedroom provides space for a vanity area and features its own decorative fireplace. Exterior features include a covered front porch, a rear deck, and a deep backyard. Designated parking is located at the rear of the property with convenient access from the alley. The combination of updated systems and versatile living spaces makes this a practical choice for those seeking a large, functional home. Search the property address on YouTube for a full video tour.

16. 2026-04-16
    historical Contingent 1379-char remark

    Show marketing remark (1379 chars)

    This home features significant mechanical updates including an upgraded roof, newer furnace, and modern water heater, alongside a 200-amp electrical panel and updated plumbing. The interior layout begins with a large foyer featuring original hardwood floors and high ceilings, providing a functional space for a home office or greeting area. On the main floor, the living and dining rooms include decorative fireplaces and built-in storage. The kitchen is equipped with a gas stove, microwave, and a double-bowl undermount sink. A full bathroom is also located on the main level, featuring a walk-in shower with tile accents. Upstairs, the second floor includes a dedicated laundry room with a utility sink and a second full bathroom with a tub and shower combination. All four bedrooms offer generous dimensions with carpeted flooring and ample closet space, including a large closet on the third level. The primary bedroom provides space for a vanity area and features its own decorative fireplace. Exterior features include a covered front porch, a rear deck, and a deep backyard. Designated parking is located at the rear of the property with convenient access from the alley. The combination of updated systems and versatile living spaces makes this a practical choice for those seeking a large, functional home. Search the property address on YouTube for a full video tour.

17. 2026-02-27
    price $130,000 1379-char remark

    Show marketing remark (1379 chars)

    This home features significant mechanical updates including an upgraded roof, newer furnace, and modern water heater, alongside a 200-amp electrical panel and updated plumbing. The interior layout begins with a large foyer featuring original hardwood floors and high ceilings, providing a functional space for a home office or greeting area. On the main floor, the living and dining rooms include decorative fireplaces and built-in storage. The kitchen is equipped with a gas stove, microwave, and a double-bowl undermount sink. A full bathroom is also located on the main level, featuring a walk-in shower with tile accents. Upstairs, the second floor includes a dedicated laundry room with a utility sink and a second full bathroom with a tub and shower combination. All four bedrooms offer generous dimensions with carpeted flooring and ample closet space, including a large closet on the third level. The primary bedroom provides space for a vanity area and features its own decorative fireplace. Exterior features include a covered front porch, a rear deck, and a deep backyard. Designated parking is located at the rear of the property with convenient access from the alley. The combination of updated systems and versatile living spaces makes this a practical choice for those seeking a large, functional home. Search the property address on YouTube for a full video tour.

18. 2026-01-14
    listed $140,000 Active 1379-char remark

    Show marketing remark (1379 chars)

    This home features significant mechanical updates including an upgraded roof, newer furnace, and modern water heater, alongside a 200-amp electrical panel and updated plumbing. The interior layout begins with a large foyer featuring original hardwood floors and high ceilings, providing a functional space for a home office or greeting area. On the main floor, the living and dining rooms include decorative fireplaces and built-in storage. The kitchen is equipped with a gas stove, microwave, and a double-bowl undermount sink. A full bathroom is also located on the main level, featuring a walk-in shower with tile accents. Upstairs, the second floor includes a dedicated laundry room with a utility sink and a second full bathroom with a tub and shower combination. All four bedrooms offer generous dimensions with carpeted flooring and ample closet space, including a large closet on the third level. The primary bedroom provides space for a vanity area and features its own decorative fireplace. Exterior features include a covered front porch, a rear deck, and a deep backyard. Designated parking is located at the rear of the property with convenient access from the alley. The combination of updated systems and versatile living spaces makes this a practical choice for those seeking a large, functional home. Search the property address on YouTube for a full video tour.

19. 2004-11-16
    soldstatus $20,000

ⓘ 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: $2,766 · $230/mo
• Projected year-2 tax: $2,766 · $230/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 ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,590
• − Mortgage interest: −$7,282
• − Property taxes: −$2,766
• − Insurance: −$650
• − Repairs & maintenance: −$1,407
• − Management: −$1,407
• − Depreciation: −$3,782
• Taxable income: $296
• Est. tax owed @ 24.0%: −$71
• After-tax cash flow: $2,229/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: Ambridge Area SD
• NCES district ID: 4202440
• Math proficiency: 23% ▼ -12.00%
• Reading proficiency: 48% ▼ -10.00%
• Median HH income: $49,514
• Composite: 30.62/100
• National rank: #6190
• State rank: #408 of 539 in PA

Livability — Ambridge

• Score: 78/100
• State rank: #293
• US rank: #2594

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ambridge, PA
• County: Beaver County · 116,001 people
• City population: 11,387
• Metro: Pittsburgh, PA
• Population (ZIP): 11,387
• Household income: $59,550
• Rent vs Own: 35.8% rent · 64.2% own
• Severe rent burden: 397.0

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 (77%)
• Race & ethnicity: White 77% Two or more races 10% Black 9% Hispanic / Latino 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 7% Scotch-Irish 3% Subsaharan African 3%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 2% Russian/Polish/Slavic 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: ▼ -46.42%
• Current HPI: 249.8525
• 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

+550.0% since first listed

5 events — show timeline

• 2026-04-23 Relisted — West Penn MLS
• 2026-04-16 Contingent — West Penn MLS
• 2026-02-27 Price Changed $130,000 West Penn MLS
• 2026-01-14 Listed $140,000 West Penn MLS
• 2004-11-16 Sold (Public Records) $20,000 Public Records

Property tax history

+0.8%/yr

Latest (2026): $2,766 · +2.2% YoY. Source: county tax records.