210 N 4th St · Jeannette, PA 15644

$119,900

3 bd · 1.0 ba · 1,120 sqft · Other public records · 1 Days on market

Built 1915 2,639 sqft lot $107/sqft · 7% below area Est $130k · 7% 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 +20.9/30.0
• ARV discount +10.9/15.0
• DSCR +6.7/10.0
• 1% rule +4.6/10.0
• Schools +3.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fully renovated and move-in ready, this 3-bedroom, 1-bath home offers modern style, quality craftsmanship, and everyday convenience. Renovated from top to bottom, the home features a brand-new 200 amp electric panel, complete interior rewire, most all new windows, a new front porch deck, and an all-electric setup for efficient, low-maintenance living. Off-street parking and a private backyard add to the appeal, while the prime location provides quick access to Routes 130, 30, 66, and 76—making commuting and daily errands effortless. The seller is continuing to complete additional improvements to further enhance the home, making this an exciting opportunity to secure a beautifully updated property that’s still being elevated. A must-see renovation that truly stands out. Updated photos! This home checks all the boxes. * * ADDED PHOTOS WITH ADDITIONAL WORK DONE IN THE LAST WEEK! * * This Home Qualifies For $7,500 for grant money.

Key facts

• 2,639 sq ft lot
• 3 parking spots
• Built 1915

Property features AI

Exterior

• Parking: Off-street parking; Space for 3 vehicles
• Utilities: Public water; Public sewer; Electric service
• Home design: 2-story residence; Resale property; Asphalt roof; Vinyl siding
• Construction: Vinyl siding construction; Asphalt roof
• Exterior features: Public water; Public sewer; Small lot (approximately 0.0606 acres)

Interior

• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Space heater
• Interior features: Vinyl flooring; Unfinished walk-out basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $120k.

Deal economics

• At list price, monthly cash flow is $167 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $116k (3.6% below list).
• Recommended offer: $116k (3.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#1,552 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, schools B; Watch: crime D+, amenities F, commute F.
• Jeannette City SD (suburban): math 25% / reading 47% proficiency, ranked #417 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 130 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 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 $12k; list at $120k implies a 899% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,623 (3.6% below list)

Questions for the listing agent

1. Built in 1915 — 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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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?
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: 0.96% ✗
• Cap rate: 7.96%
• Cash-on-cash: 5.96%
• DSCR: 1.27
• GRM: 8.6

CMA / ARV

• ARV (median comp): $129,560
• List price: $119,900
• Delta: -7.46%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.74×
• Total profit: $-8,833
• Equity at exit: $17,877

10-year hold

• IRR: 2.4%
• Equity multiple: 1.17×
• Total profit: $5,860
• Equity at exit: $10,367

Cash invested: $33,572 (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 15644

• Home prices YoY: -34.7%
• Active inventory: 130
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,156 high
• Mortgage (P&I): −$629
• Tax from tax record: −$68 /mo · $814/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$243
• Net cashflow: $167

Break-even live

Break-even rent $945

Max offer price $119,900

Occupancy floor 81%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
421 N 3rd St Jeannette, PA	2.0	1.0	800	$900	$1.12	1d	1	0.18mi
36 Gaskill Ave Unit 2 Jeannette, PA	3.0	1.0	1100	$950	$0.86	1d	1	0.22mi
8 Good St Unit 2 Jeannette, PA	2.0	1.0	1280	$825	$0.64	43d	1	0.35mi
211 S 7th St Unit A Jeannette, PA	3.0	1.0	900	$1,450	$1.61	1d	1	0.40mi
508 Lowry Ave Jeannette, PA	2.0	1.0	1000	$950	$0.95	43d	1	0.57mi
305 Chestnut St Jeannette, PA	2.0	1.0	1250	$1,265	$1.01	10d	1	0.61mi
104 Baughman Ave Unit 1 Jeannette, PA	2.0	2.0	1000	$1,200	$1.20	19d	1	0.93mi
1218 Lewis Ave Jeannette, PA	3.0	1.0	1200	$1,550	$1.29	10d	1	1.35mi

Listing history 27 events

1. 2026-06-18
   days on marketlisting id $119,900 Active 1 DOM
2. 2026-06-17
   days on market $119,900 Active 57 DOM
3. 2026-06-16
   days on market $119,900 Active 56 DOM
4. 2026-06-15
   days on market $119,900 Active 55 DOM
5. 2026-06-13
   days on market $119,900 Active 53 DOM
6. 2026-06-10
   price $119,900 Active 49 DOM
7. 2026-06-09
   days on market $129,900 Active 49 DOM
8. 2026-06-08
   days on market $129,900 Active 48 DOM
9. 2026-06-07
   days on market $129,900 Active 47 DOM
10. 2026-06-03
    days on market $129,900 Active 43 DOM
11. 2026-06-02
    days on market $129,900 Active 42 DOM
12. 2026-06-01
    days on market $129,900 Active 41 DOM
13. 2026-05-31
    days on market $129,900 Active 40 DOM
14. 2026-04-21
    listed $129,900 Active 887-char remark
15. 2026-03-31
    historical Expired 955-char remark

    Show marketing remark (955 chars)

    Fully renovated and move-in ready, this 3-bedroom, 1-bath home offers modern style, quality craftsmanship, and everyday convenience. Renovated from top to bottom, the home features a brand-new 200 amp electric panel, complete interior rewire, most all new windows, a new front porch deck, and an all-electric setup for efficient, low-maintenance living. Off-street parking and a private backyard add to the appeal, while the prime location provides quick access to Routes 130, 30, 66, and 76—making commuting and daily errands effortless. The seller is continuing to complete additional improvements to further enhance the home, making this an exciting opportunity to secure a beautifully updated property that’s still being elevated. A must-see renovation that truly stands out. Updated photos! This home checks all the boxes. * * ADDED PHOTOS WITH ADDITIONAL WORK DONE IN THE LAST WEEK! * * This Home Qualifies For $7,500 for grant money.

16. 2026-02-02
    price $119,900 955-char remark

    Show marketing remark (955 chars)

    Fully renovated and move-in ready, this 3-bedroom, 1-bath home offers modern style, quality craftsmanship, and everyday convenience. Renovated from top to bottom, the home features a brand-new 200 amp electric panel, complete interior rewire, most all new windows, a new front porch deck, and an all-electric setup for efficient, low-maintenance living. Off-street parking and a private backyard add to the appeal, while the prime location provides quick access to Routes 130, 30, 66, and 76—making commuting and daily errands effortless. The seller is continuing to complete additional improvements to further enhance the home, making this an exciting opportunity to secure a beautifully updated property that’s still being elevated. A must-see renovation that truly stands out. Updated photos! This home checks all the boxes. * * ADDED PHOTOS WITH ADDITIONAL WORK DONE IN THE LAST WEEK! * * This Home Qualifies For $7,500 for grant money.

17. 2026-01-13
    price $129,900 955-char remark

    Show marketing remark (955 chars)

    Fully renovated and move-in ready, this 3-bedroom, 1-bath home offers modern style, quality craftsmanship, and everyday convenience. Renovated from top to bottom, the home features a brand-new 200 amp electric panel, complete interior rewire, most all new windows, a new front porch deck, and an all-electric setup for efficient, low-maintenance living. Off-street parking and a private backyard add to the appeal, while the prime location provides quick access to Routes 130, 30, 66, and 76—making commuting and daily errands effortless. The seller is continuing to complete additional improvements to further enhance the home, making this an exciting opportunity to secure a beautifully updated property that’s still being elevated. A must-see renovation that truly stands out. Updated photos! This home checks all the boxes. * * ADDED PHOTOS WITH ADDITIONAL WORK DONE IN THE LAST WEEK! * * This Home Qualifies For $7,500 for grant money.

18. 2025-12-29
    listed $140,000 Active 955-char remark

    Show marketing remark (955 chars)

    Fully renovated and move-in ready, this 3-bedroom, 1-bath home offers modern style, quality craftsmanship, and everyday convenience. Renovated from top to bottom, the home features a brand-new 200 amp electric panel, complete interior rewire, most all new windows, a new front porch deck, and an all-electric setup for efficient, low-maintenance living. Off-street parking and a private backyard add to the appeal, while the prime location provides quick access to Routes 130, 30, 66, and 76—making commuting and daily errands effortless. The seller is continuing to complete additional improvements to further enhance the home, making this an exciting opportunity to secure a beautifully updated property that’s still being elevated. A must-see renovation that truly stands out. Updated photos! This home checks all the boxes. * * ADDED PHOTOS WITH ADDITIONAL WORK DONE IN THE LAST WEEK! * * This Home Qualifies For $7,500 for grant money.

19. 2024-05-16
    soldstatus $12,000 Closed
20. 2024-04-26
    historical Contingent
21. 2024-04-02
    listed $14,900 Active
22. 2017-08-21
    historical Expired
23. 2017-08-18
    price $6,800
24. 2017-06-21
    price $7,900
25. 2016-08-22
    listed $12,000 Active
26. 2006-05-10
    soldstatus $12,900
27. 1996-11-01
    soldstatus $9,000

ⓘ 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: $814 · $68/mo
• Projected year-2 tax: $1,354 · $113/mo
• Expected delta: +$540/yr (+$45/mo · 66.4%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,875
• − Mortgage interest: −$6,716
• − Property taxes: −$814
• − Insurance: −$600
• − Repairs & maintenance: −$1,110
• − Management: −$1,110
• − Depreciation: −$3,488
• Taxable income: $37
• Est. tax owed @ 24.0%: −$9
• After-tax cash flow: $1,994/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: Jeannette City SD
• NCES district ID: 4212330
• Math proficiency: 25% ▼ -8.00%
• Reading proficiency: 47% ▼ -7.00%
• Median HH income: $37,400
• Composite: 29.88/100
• National rank: #6398
• State rank: #417 of 539 in PA

Livability — Jeannette

• Score: 59/100
• State rank: #1552
• US rank: #20510

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jeannette, PA
• County: Westmoreland County · 183,777 people
• City population: 18,512
• Metro: Pittsburgh, PA
• Population (ZIP): 18,512
• Household income: $64,684
• Rent vs Own: 22.9% rent · 77.1% own
• Severe rent burden: 342.0

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Two or more races 6% Black 5% Hispanic / Latino 3%
• Common ancestry: Romanian 6% Italian 2% Slovak 1%
• Foreign-born: 2% · Canada, South Korea
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.33%
• Current HPI: 179.5086
• 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

+1232.2% since first listed

16 events — show timeline

• 2026-06-18 Listed $119,900 West Penn MLS
• 2026-06-09 Price Changed $119,900 West Penn MLS
• 2026-04-21 Listed $129,900 West Penn MLS
• 2026-03-31 Delisted — West Penn MLS
• 2026-02-02 Price Changed $119,900 West Penn MLS
• 2026-01-13 Price Changed $129,900 West Penn MLS
• 2025-12-29 Listed $140,000 West Penn MLS
• 2024-05-16 Sold (MLS) $12,000 West Penn MLS
• 2024-04-26 Contingent — West Penn MLS
• 2024-04-02 Listed $14,900 West Penn MLS
• 2017-08-21 Delisted — West Penn MLS
• 2017-08-18 Price Changed $6,800 West Penn MLS
• 2017-06-21 Price Changed $7,900 West Penn MLS
• 2016-08-22 Listed $12,000 West Penn MLS
• 2006-05-10 Sold (Public Records) $12,900 Public Records
• 1996-11-01 Sold (Public Records) $9,000 Public Records

Property tax history

+25.3%/yr

Latest (2026): $814 · +0.0% YoY. Source: county tax records.