433 Main St · Denver, PA 17517

$334,900

3 bd · 2.0 ba · 1,550 sqft · SingleFamily public records · 1 Days on market

Built 1920 5,663 sqft lot Est $332k · at est.

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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 +22.2/30.0
• DSCR +7.1/10.0
• ARV discount +7.1/15.0
• 1% rule +5.5/10.0
• Schools +4.6/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

Key facts

• Functional kitchen
• Large eat-in island
• Open main floor

Tags

• CORNER LOT
• OPEN MAIN FLOOR
• FUNCTIONAL KITCHEN
• LARGE EAT-IN ISLAND
• TILE BACKSPLASH
• DETACHED TWO-CAR GARAGE

Property features AI

Exterior

• Parking: Detached garage; Two garage spaces; Garage with rear entry and additional storage area
• Security: Replacement windows
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; Very good condition; Year built (assessor source)
• Construction: Frame construction with vinyl siding; Architectural shingle roof; Block foundation; Barn and garage(s) on the property
• Exterior features: Wrap-around porch; Porches; Sidewalks; Exterior lighting; Wood fencing; Landscaped, level rear yard; Corner lot with road frontage

Interior

• Kitchen: Built-in range; Stove; Built-in microwave; Dishwasher; Freezer; Refrigerator
• Basement: Walkout stairs; Unfinished basement
• Bedrooms: Three bedrooms on the upper level
• Flooring: Hardwood; Carpet; Luxury vinyl plank/tile
• Bathrooms: Two full bathrooms (both on the upper level); One half bathroom on the main level
• Fireplace: One fireplace
• Heating & cooling: Central heating (natural gas); Central air conditioning (electric); 200+ amp electrical service; Electric hot water
• Interior features: Open floor plan; Family room open to the kitchen; Kitchen island; Bar; Recessed lighting; Upgraded countertops; Built-ins; Crown moldings; Master bath(s); Walk-in closet(s); Bathroom with walk-in shower; Tub/shower combination; High walls/ceilings (drywall); Wood floors
• Laundry & utility: Washer and dryer; Main-floor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $548 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $335k).

Location & tenants

• Location reads 73/100 on livability (#592 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Cocalico SD (suburban): math 45% / reading 60% proficiency, ranked #130 of 539 in PA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Denver El Sch (math 51% / reading 63%, grade C+, #444 of 1,518 statewide, top 32%, 437 students, 46% FRL); Cocalico Ms (math 34% / reading 59%, grade D+, #172 of 512 statewide, top 35%, 682 students, 43% FRL); Cocalico Shs (math 78% / reading 24%, grade D+, #121 of 437 statewide, top 28%, 1,008 students, 38% FRL) — zoned schools average 42% FRL vs 22% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 75 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,093 units permitted in Lancaster County in 2024 (201 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Lancaster County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 4y 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.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $334,900

Questions for the listing agent

1. Built in 1920 — 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. 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.
5. 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.
6. 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: 1.05% ✓
• Cap rate: 8.26%
• Cash-on-cash: 7.01%
• DSCR: 1.31
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $331,700
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
410 5th Ave	0.32mi	3/1.5	1,492 (-4%)	1mo	$243,000	$163	76
842 N 4th St	0.65mi	3/2.0	1,580 (+2%)	1mo	$385,000	$244	66
667 Poplar St	0.50mi	4/2.0 (+1)	1,568 (+1%)	11mo	$306,100	$195	60
817 Evergreen St	0.60mi	3/1.5	1,561 (+1%)	19mo	$330,000	$211	53
755 Poplar St	0.54mi	4/1.5 (+1)	1,400 (-10%)	6mo	$540,000	$386	46
850 Locust St	0.37mi	4/2.0 (+1)	1,344 (-13%)	14mo	$310,000	$231	44
842 Evergreen St	0.67mi	4/2.5 (+1)	1,690 (+9%)	12mo	$361,000	$214	37
900 Evergreen St	0.70mi	3/1.5	1,364 (-12%)	11mo	$333,000	$244	36
525 S 4th St	0.47mi	4/2.0 (+1)	1,722 (+11%)	23mo	$333,000	$193	36
503 Juniper St	0.70mi	4/2.0 (+1)	1,766 (+14%)	16mo	$315,000	$178	26

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: -5.6%
• Equity multiple: 0.79×
• Total profit: $-19,396
• Equity at exit: $49,935

10-year hold

• IRR: 4.1%
• Equity multiple: 1.30×
• Total profit: $27,995
• Equity at exit: $28,956

Cash invested: $93,772 (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 17517

• Home prices YoY: -29.3%
• Active inventory: 75
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $3,500 medium
• Mortgage (P&I): −$1,756
• Tax from tax record: −$322 /mo · $3,859/yr
• Insurance: −$140
• HOA: −$0
• Vacancy / Maint / Mgmt: −$735
• Net cashflow: $548

Break-even live

Break-even rent $2,807

Max offer price $334,900

Occupancy floor 79%

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: $83,725
• Closing costs: $10,047
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
985 S Ridge Rd Denver, PA	4.0	1.5	1521	$3,500	$2.30	44d	1	0.80mi

Listing history 10 events

1. 2026-05-30
   status $334,900 Pending 1 DOM
2. 2026-05-29
   status Pending
3. 2026-05-28
   listed $334,900 Active
4. 2022-07-29
   soldstatus $310,000 Closed 1498-char remark

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

5. 2022-07-29
   soldstatus $310,000

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

6. 2022-07-03
   status Pending 1498-char remark

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

7. 2022-06-23
   price $299,900 1498-char remark

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

8. 2022-06-21
   price $314,900 1498-char remark

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

9. 2022-06-17
   price $314,990 1498-char remark

   Show marketing remark (1498 chars)

   Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

10. 2022-06-17
    listed $314,900 Active 1498-char remark

    Show marketing remark (1498 chars)

    Located in the small town of Denver, this corner lot on Main Street completely remodeled house is incredibly spacious (nearly 1700 sq ft), full of charm & character while featuring a rare TWO-STORY barn/detached two car garage combination at the rear of the lot. Entering the home you'll notice the large living room with HIGH ceilings, recessed lighting, and tall windows to allow for tons of natural light. Original hardwood floors have been refinished throughout the main floor and carry you seamlessly into a completely new kitchen. An eat-in island, stylish white cabinetry, stainless steel appliances, tile backslash, and floating shelves outfit this upscale space. Main floor laundry/mudroom is located off the kitchen. An additional, separate room can be used as a lovely formal dining room, den, office, or playroom - plenty of flexibility on this main floor! Upstairs boasts 3 well-sized bedrooms and 2 spacious full bathrooms, including a primary bedroom suite with ample closet space, and large tiled shower with custom double vanity. Outside, the exterior of the home features a large front porch and a partially fenced in yard that is flat and usable. The garage/barn is set up for two parking spaces on the first floor with a second story for tons of storage/workshop space. Enjoy this property maintenance-free with a new roof on the main home, new and efficient GAS HVAC/AC, nearly all electrical and plumbing replaced, and new windows throughout. This house feels like home!

ⓘ 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: $3,859 · $322/mo
• Projected year-2 tax: $4,575 · $381/mo
• Expected delta: +$716/yr (+$60/mo · 18.6%)

ⓘ 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 6/10 Major 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,000
• − Mortgage interest: −$18,760
• − Property taxes: −$3,859
• − Insurance: −$1,674
• − Repairs & maintenance: −$3,360
• − Management: −$3,360
• − Depreciation: −$9,743
• Taxable income: $1,245
• Est. tax owed @ 24.0%: −$299
• After-tax cash flow: $6,273/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: Cocalico SD
• NCES district ID: 4206270
• Math proficiency: 45% ▼ -6.00%
• Reading proficiency: 60% ▼ -13.00%
• Median HH income: $63,457
• Composite: 46.09/100
• National rank: #2512
• State rank: #130 of 539 in PA

Livability — Denver

• Score: 73/100
• State rank: #592
• US rank: #5643

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Denver, PA
• Population (ZIP): 15,045

Population outlook (Lancaster County) Hauer SSP2

• Today (2025): 561,011 people
• By 2030: 570,969 · +1.8%
• By 2040: 585,929 · +4.4%
• By 2050: 591,056 · +5.4%
• By 2075: 594,747 · +6.0%
• By 2100: 558,850 · -0.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 5% Two or more races 3%
• Common ancestry: Romanian 2% Scotch-Irish 2% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 90% English-only · German/W. Germanic 4% Russian/Polish/Slavic 2% Spanish 2%

Political lean MEDSL · Lancaster

• 2024 margin: R (+15.9) · D 41.5% · R 57.5%
• 2008→2024 swing: -4.1pp toward R · 2008: -11.8pp · 2024: -15.9pp
• All cycles: 2024: R+15.9 2020: R+15.8 2016: R+19.7 2012: R+19.2 2008: R+11.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -109.05%
• Current HPI: 262.8646
• 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

+6.4% since first listed

9 events — show timeline

• 2026-05-29 Pending — BRIGHT MLS
• 2026-05-28 Listed $334,900 BRIGHT MLS
• 2022-07-29 Sold (Public Records) $310,000 Public Records
• 2022-07-29 Sold (MLS) $310,000 BRIGHT MLS
• 2022-07-03 Pending — BRIGHT MLS
• 2022-06-23 Price Changed $299,900 BRIGHT MLS
• 2022-06-21 Price Changed $314,900 BRIGHT MLS
• 2022-06-17 Price Changed $314,990 BRIGHT MLS
• 2022-06-17 Listed $314,900 BRIGHT MLS

Property tax history

+3.0%/yr

Latest (2026): $3,859 · +5.7% YoY. Source: county tax records.