314 N Main St · Yeagertown, PA 17099

$157,900

3 bd · 1.0 ba · 1,484 sqft · Other public records · 32 Days on market

Built 1940 9,148 sqft lot

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Why this score? — see what drove the D 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 +11.2/30.0
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• DSCR +3.3/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Bring your imagination! This 3 bedroom 1 bath 2 story is ready for a beautiful remodel. The attic beckons to be finished into a loft. Kish creek & a ball field can be seen in the distance from the front porch. Close to amenities yet out of town.

Key facts

• New plumbing
• New electrical
• Pex water lines

Tags

• 0.21 ACRE LOT
• NEW ELECTRICAL
• 200-AMP SERVICE
• NEW PLUMBING
• PVC DRAINS
• PEX WATER LINES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $158k.

Deal economics

• At list price, monthly cash flow is $-61 ($-734/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (6.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $123k (22.2% below list).
• Recommended offer: $123k (22.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#1,254 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, amenities F, commute F.
• Mifflin County SD (town): math 28% / reading 49% proficiency, ranked #380 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Indian Valley El Sch (math 47% / reading 62%, grade C, #504 of 1,518 statewide, top 37%, 368 students, 55% FRL); Mifflin Co Ms (math 16% / reading 51%, grade F, #342 of 512 statewide, top 67%, 689 students, 59% FRL); Mifflin Co Hs (math 76% / reading 24%, grade D+, #133 of 437 statewide, top 30%, 1,086 students, 34% FRL).
• Market conditions: 13 active listings in the ZIP; 58 units permitted in Mifflin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($1k loan paydown + $6k appreciation (4.1% local appreciation)).
• Mifflin County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.1% appreciation + 3.0% rent growth), your $44k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 32 days — a 3% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 27y 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 $25k; list at $158k implies a 532% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $122,911 (22.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 32 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.78% ✗
• Cap rate: 5.83%
• Cash-on-cash: -1.66%
• DSCR: 0.93
• GRM: 10.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

4.08% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.0%
• Equity multiple: 1.55×
• Total profit: $24,295
• Equity at exit: $80,773

10-year hold

• IRR: 11.0%
• Equity multiple: 2.83×
• Total profit: $81,111
• Equity at exit: $132,684

Cash invested: $44,212 (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 17099

• Home prices YoY: 1.7%
• Active inventory: 13
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,229 medium
• Mortgage (P&I): −$828
• Tax from tax record: −$138 /mo · $1,660/yr
• Insurance: −$66
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $-61

Break-even live

Break-even rent $1,307

Max offer price $147,092

Occupancy floor 100%

Sensitivity live

Price	-10% $28	-5% $-16	+0% $-61	+5% $-106	+10% $-151
Rent	-10% $-158	-5% $-110	+0% $-61	+5% $-13	+10% $36
Rate	-1.0pp $18	-0.5pp $-21	base $-61	+0.5pp $-102	+1.0pp $-144

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: $39,475
• Closing costs: $4,737
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-04-14
   status Pending
2. 2026-04-03
   price $157,900
3. 2026-03-13
   listed $164,900 Active
4. 2025-09-08
   soldstatus $25,000
5. 2019-02-27
   soldstatus $15,500
6. 2019-02-22
   soldstatus $15,500 252-char remark

   Show marketing remark (251 chars)

   Bring your imagination! This 3 bedroom 1 bath 2 story is ready for a beautiful remodel. The attic beckons to be finished into a loft. Kish creek & a ball field can be seen in the distance from the front porch. Close to amenities yet out of town.

7. 2019-02-22
   soldstatus $15,500 251-char remark

   Show marketing remark (251 chars)

   Bring your imagination! This 3 bedroom 1 bath 2 story is ready for a beautiful remodel. The attic beckons to be finished into a loft. Kish creek & a ball field can be seen in the distance from the front porch. Close to amenities yet out of town.

8. 2018-12-29
   listed $19,900 252-char remark

   Show marketing remark (251 chars)

   Bring your imagination! This 3 bedroom 1 bath 2 story is ready for a beautiful remodel. The attic beckons to be finished into a loft. Kish creek & a ball field can be seen in the distance from the front porch. Close to amenities yet out of town.

9. 2018-12-29
   listed $19,900 251-char remark

   Show marketing remark (251 chars)

   Bring your imagination! This 3 bedroom 1 bath 2 story is ready for a beautiful remodel. The attic beckons to be finished into a loft. Kish creek & a ball field can be seen in the distance from the front porch. Close to amenities yet out of town.

10. 2008-04-21
    soldstatus $18,500
11. 2002-08-20
    historical
12. 2002-08-20
    listed $49,900
13. 1999-11-17
    historical
14. 1999-11-17
    listed $57,500

ⓘ 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: $1,660 · $138/mo
• Projected year-2 tax: $2,078 · $173/mo
• Expected delta: +$417/yr (+$35/mo · 25.1%)

ⓘ 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 ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,749
• − Mortgage interest: −$8,845
• − Property taxes: −$1,660
• − Insurance: −$790
• − Repairs & maintenance: −$1,180
• − Management: −$1,180
• − Depreciation: −$4,593
• Taxable loss: −$3,499
• Est. tax savings @ 24.0%: +$840
• After-tax cash flow: $105/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: Mifflin County SD
• NCES district ID: 4215290
• Math proficiency: 28% ▼ -7.00%
• Reading proficiency: 49% ▼ -9.00%
• Median HH income: $40,718
• Composite: 32.28/100
• National rank: #5755
• State rank: #380 of 539 in PA

Livability — Yeagertown

• Score: 63/100
• State rank: #1254
• US rank: #15064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yeagertown, PA
• Population (ZIP): 1,122

Population outlook (Mifflin County) Hauer SSP2

• Today (2025): 44,611 people
• By 2030: 43,212 · -3.1%
• By 2040: 40,197 · -9.9%
• By 2050: 36,813 · -17.5%
• By 2075: 28,833 · -35.4%
• By 2100: 20,296 · -54.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (100%)
• Race & ethnicity: White 100%
• Common ancestry: Portuguese 5% Romanian 2% Iranian 2%

Political lean MEDSL · Mifflin

• 2024 margin: Solid R (+56.4) · D 21.4% · R 77.9%
• 2008→2024 swing: -22.8pp toward R · 2008: -33.7pp · 2024: -56.4pp
• All cycles: 2024: R+56.4 2020: R+56.1 2016: R+57.5 2012: R+46.8 2008: R+33.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.08%
• Current HPI: 240.0488
• 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

+174.6% since first listed

14 events — show timeline

• 2026-04-14 Pending — BRIGHT MLS
• 2026-04-03 Price Changed $157,900 BRIGHT MLS
• 2026-03-13 Listed $164,900 BRIGHT MLS
• 2025-09-08 Sold (Public Records) $25,000 Public Records
• 2019-02-27 Sold (Public Records) $15,500 Public Records
• 2019-02-22 Sold (MLS) $15,500 BRIGHT MLS
• 2019-02-22 Sold (MLS) $15,500 BRIGHT MLS
• 2018-12-29 Listed $19,900 BRIGHT MLS
• 2018-12-29 Listed $19,900 BRIGHT MLS
• 2008-04-21 Sold (Public Records) $18,500 Public Records
• 2002-08-20 Listed $49,900 BRIGHT MLS
• 2002-08-20 Listing Removed — BRIGHT MLS
• 1999-11-17 Listed $57,500 BRIGHT MLS
• 1999-11-17 Listing Removed — BRIGHT MLS

Property tax history

+0.6%/yr

Latest (2026): $1,660 · +0.8% YoY. Source: county tax records.