7 Prospect St · Etna, PA 15223

$124,999

3 bd · 1.5 ba · 1,260 sqft · SingleFamily public records · 97 Days on market

Built 1900 0.36 ac lot $99/sqft · 23% below area Est $163k · 23% 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 +27.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +7.5/10.0
• Schools +4.1/10.0
• 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

Welcome to this completely overhauled 3-bedroom home located in the Shaler Area School District! This move-in-ready property has been updated from top to bottom, featuring brand new appliances, a modern kitchen with stylish vinyl flooring throughout, and plenty of natural light. Enjoy a welcoming front porch entrance and a side porch ideal for relaxing. Whether you're a first-time buyer looking for your starter home or an investor searching for a turn-key rental, this property checks all the boxes. Don’t miss your chance to own this updated home.

Key facts

• Front porch
• Natural light
• Side porch

Tags

• MODERN KITCHEN
• NATURAL LIGHT
• FRONT PORCH
• SIDE PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $379 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $114k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 81/100 on livability (#172 in PA, #1,441 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, cost of living A+; Watch: employment C-, amenities D, schools D-.
• Shaler Area SD (suburban): math 36% / reading 59% proficiency, ranked #208 of 539 in PA (top 39%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 23 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 31% of the median local income ($61k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y 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 $75k; list at $125k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $113,749 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% 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. 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. 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: 1.25% ✓
• Cap rate: 9.93%
• Cash-on-cash: 12.98%
• DSCR: 1.58
• GRM: 6.7

CMA / ARV

• ARV (median comp): $162,634
• List price: $124,999
• Delta: -23.14%
• 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
24 High St	0.19mi	3/1.0	1,296 (+3%)	0mo	$155,000	$120	84
59 Sycamore	0.17mi	2/1.0 (-1)	1,296 (+3%)	5mo	$125,000	$96	76
31 Pine St	0.35mi	3/1.5	1,200 (-5%)	0mo	$317,500	$265	75
146 Buckeye Way	0.51mi	3/2.0	1,188 (-6%)	3mo	$232,000	$195	63
174 Seavey Rd	0.44mi	3/1.5	1,155 (-8%)	6mo	$215,000	$186	60
137 Vista St	0.42mi	2/1.0 (-1)	1,366 (+8%)	5mo	$195,000	$143	55
36 Hickory St	0.26mi	4/3.0 (+1)	1,400 (+11%)	7mo	$200,000	$143	52
80 Parker St	0.28mi	4/2.5 (+1)	1,080 (-14%)	2mo	$206,250	$191	52
407 Short Canal St	0.54mi	2/1.0 (-1)	1,178 (-6%)	9mo	$60,000	$51	49
44 Greeley Ave	0.73mi	2/1.0 (-1)	1,224 (-3%)	9mo	$75,000	$61	47
7 Spring Street Ext	0.62mi	3/2.0	1,384 (+10%)	10mo	$175,000	$126	45
6004 Sawyer St	0.67mi	2/1.0 (-1)	1,087 (-14%)	8mo	$51,000	$47	33

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: 2.9%
• Equity multiple: 1.11×
• Total profit: $3,877
• Equity at exit: $18,638

10-year hold

• IRR: 12.4%
• Equity multiple: 1.99×
• Total profit: $34,493
• Equity at exit: $10,808

Cash invested: $35,000 (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 15223

• Home prices YoY: -28.0%
• Active inventory: 23
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,557 high
• Mortgage (P&I): −$656
• Tax from tax record: −$144 /mo · $1,725/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$327
• Net cashflow: $379

Break-even live

Break-even rent $1,078

Max offer price $124,999

Occupancy floor 71%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
39 Prospect St Pittsburgh, PA	2.0	1.0	1056	$1,200	$1.14	7d	1	0.09mi
621 Butler St Unit BS Pittsburgh, PA	2.0	1.0	1000	$995	$0.99	43d	1	0.54mi
160 56th St Pittsburgh, PA	3.0	3.0	1737	$3,900	$2.25	19d	1	0.73mi
553 Foundry St Pittsburgh, PA	2.0	2.0	1025	$1,650	$1.61	21d	1	0.74mi
404 Reetz St Pittsburgh, PA	4.0	1.0	1500	$2,050	$1.37	16d	1	0.76mi
14 Bethany Dr Unit A Pittsburgh, PA	2.0	1.5	1032	$1,650	$1.60	43d	1	0.87mi
5275 Butler St Pittsburgh, PA	2.0	1.0–2.0	885	$4,076	$4.61	1d	130	0.97mi
5264 Dresden Way Pittsburgh, PA	2.0	2.0	1853	$2,500	$1.35	23d	1	0.98mi
20 Beyrleye Ave Pittsburgh, PA	3.0	2.0	1100	$1,350	$1.23	23d	1	0.98mi
207 Mary St Sharpsburg, PA	3.0	1.0	1100	$1,395	$1.27	23d	1	1.05mi
209 Mary St Sharpsburg, PA	3.0	1.0	1100	$1,395	$1.27	23d	1	1.05mi
212 Hugel Dr Unit 1 Pittsburgh, PA	2.0	1.0	1200	$1,450	$1.21	23d	1	1.19mi

Listing history 27 events

1. 2026-06-18
   days on market $124,999 Active 97 DOM
2. 2026-06-17
   days on market $124,999 Active 96 DOM
3. 2026-06-16
   days on market $124,999 Active 95 DOM
4. 2026-06-15
   price $124,999 Active 94 DOM
5. 2026-06-15
   days on market $125,000 Active 94 DOM
6. 2026-06-13
   days on market $125,000 Active 92 DOM
7. 2026-06-13
   days on market $125,000 Active 91 DOM
8. 2026-06-09
   days on market $125,000 Active 88 DOM
9. 2026-06-08
   days on market $125,000 Active 87 DOM
10. 2026-06-07
    days on market $125,000 Active 86 DOM
11. 2026-06-03
    days on market $125,000 Active 82 DOM
12. 2026-06-02
    days on market $125,000 Active 81 DOM
13. 2026-06-01
    days on market $125,000 Active 80 DOM
14. 2026-05-31
    days on market $125,000 Active 79 DOM
15. 2026-03-13
    listed $125,000 Active 558-char remark

    Show marketing remark (558 chars)

    Welcome to this completely overhauled 3-bedroom home located in the Shaler Area School District! This move-in-ready property has been updated from top to bottom, featuring brand new appliances, a modern kitchen with stylish vinyl flooring throughout, and plenty of natural light. Enjoy a welcoming front porch entrance and a side porch ideal for relaxing. Whether you're a first-time buyer looking for your starter home or an investor searching for a turn-key rental, this property checks all the boxes. Don’t miss your chance to own this updated home.

16. 2025-11-07
    listed $125,000 Active 558-char remark

    Show marketing remark (558 chars)

    Welcome to this completely overhauled 3-bedroom home located in the Shaler Area School District! This move-in-ready property has been updated from top to bottom, featuring brand new appliances, a modern kitchen with stylish vinyl flooring throughout, and plenty of natural light. Enjoy a welcoming front porch entrance and a side porch ideal for relaxing. Whether you're a first-time buyer looking for your starter home or an investor searching for a turn-key rental, this property checks all the boxes. Don’t miss your chance to own this updated home.

17. 2025-08-03
    historical Expired
18. 2025-07-15
    price $139,000
19. 2025-07-05
    price $149,000
20. 2025-06-26
    listed $159,000 Active
21. 2024-04-11
    price $29,500
22. 2024-02-16
    listed $29,900 Active
23. 2023-12-07
    soldstatus $74,664
24. 2023-12-04
    soldstatus $15,000 Closed
25. 2023-10-15
    status Pending
26. 2023-10-05
    price $17,500
27. 2023-09-18
    listed $19,900 Active

ⓘ 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: $1,725 · $144/mo
• Projected year-2 tax: $1,850 · $154/mo
• Expected delta: +$125/yr (+$10/mo · 7.3%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,683
• − Mortgage interest: −$7,002
• − Property taxes: −$1,725
• − Insurance: −$625
• − Repairs & maintenance: −$1,495
• − Management: −$1,495
• − Depreciation: −$3,636
• Taxable income: $2,706
• Est. tax owed @ 24.0%: −$649
• After-tax cash flow: $3,894/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: Shaler Area SD
• NCES district ID: 4221200
• Math proficiency: 36% ▼ -16.00%
• Reading proficiency: 59% ▼ -15.00%
• Median HH income: $57,411
• Composite: 41.33/100
• National rank: #3506
• State rank: #208 of 539 in PA

Livability — Etna

• Score: 81/100
• State rank: #172
• US rank: #1441

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Etna, PA
• County: Allegheny County · 1,022,028 people
• City population: 6,255
• Metro: Pittsburgh, PA
• Population (ZIP): 6,255
• Household income: $61,083
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 266.0

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 (89%)
• Race & ethnicity: White 89% Two or more races 7% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 15% Lithuanian 4% Italian 4%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Russian/Polish/Slavic 2% Spanish 1%

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: ▼ -98.96%
• Current HPI: 254.2648
• 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

+528.1% since first listed

13 events — show timeline

• 2026-03-13 Listed $125,000 West Penn MLS
• 2025-11-07 Listed $125,000 West Penn MLS
• 2025-08-03 Delisted — West Penn MLS
• 2025-07-15 Price Changed $139,000 West Penn MLS
• 2025-07-05 Price Changed $149,000 West Penn MLS
• 2025-06-26 Listed $159,000 West Penn MLS
• 2024-04-11 Price Changed $29,500 West Penn MLS
• 2024-02-16 Listed $29,900 West Penn MLS
• 2023-12-07 Sold (Public Records) $74,664 Public Records
• 2023-12-04 Sold (MLS) $15,000 West Penn MLS
• 2023-10-15 Pending — West Penn MLS
• 2023-10-05 Price Changed $17,500 West Penn MLS
• 2023-09-18 Listed $19,900 West Penn MLS

Property tax history

+5.8%/yr

Latest (2026): $1,725 · +0.0% YoY. Source: county tax records.