1447 Foliage St · Wilkinsburg, PA 15221

$99,900

5 bd · 1.5 ba · 1,953 sqft · SingleFamily public records · 35 Days on market

Built 1941 5,998 sqft lot $51/sqft · 62% above area

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large single family 3 story home great for investment property or owner occupied. Large back yard and off street parking.

Key facts

• Massive backyard
• Off-street parking
• 5,998 sq ft lot

Tags

• SINGLE-FAMILY BRICK HOME
• THREE FLOORS OF LIVING SPACE
• MASSIVE BACKYARD
• OFF-STREET PARKING

Property features AI

Exterior

• Security: Security system
• Home design: 3-story building
• Exterior features: Property listed as resale; Lot approximately 0.14 acre

Interior

• Kitchen: Microwave; Refrigerator; Stove
• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Storm windows; Security system
• Laundry & utility: Some gas appliances

What this means for you Summary

Snapshot

• This is a 5-bed/1.5-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $726 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
• Cap rate 15.0% vs local median 11.3% in Wilkinsburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 76/100 on livability (#411 in PA, #3,754 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D+, crime F.
• Wilkinsburg Borough SD (suburban): math 14% / reading 23% proficiency, ranked #503 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 96% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.9%/yr); 118 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 37% of the median local income ($55k/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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.9% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 21y 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 $10k; list at $100k implies a 952% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $96,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.71% ✓
• Cap rate: 15.01%
• Cash-on-cash: 31.14%
• DSCR: 2.39
• GRM: 4.9

CMA / ARV

• ARV (median comp): $61,564
• List price: $99,900
• Delta: 62.27%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1507 Center St	0.08mi	4/1.0 (-1)	1,888 (-3%)	0mo	$93,000	$49	84
517 Holmes St	0.20mi	4/2.0 (-1)	2,064 (+6%)	5mo	$16,000	$8	70
1430 Foliage St	0.04mi	5/2.0	2,115 (+8%)	20mo	$130,000	$61	65
1300 Sherman St	0.44mi	5/2.0	1,998 (+2%)	12mo	$175,000	$88	64
901 Ross Ave	0.40mi	4/1.5 (-1)	2,196 (+12%)	2mo	$235,000	$107	53
417 Rebecca Ave	0.64mi	5/2.0	2,000 (+2%)	21mo	$285,000	$143	46
1817 Montier St	0.62mi	4/2.0 (-1)	2,156 (+10%)	6mo	$30,000	$14	42
7710 Hamilton Ave	0.55mi	4/1.0 (-1)	1,793 (-8%)	23mo	$29,900	$17	35
1306 Penn Ave	0.66mi	4/1.0 (-1)	2,157 (+10%)	18mo	$228,550	$106	30

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 · 3.86% rent growth · sell at horizon

5-year hold

• IRR: 26.9%
• Equity multiple: 2.13×
• Total profit: $31,518
• Equity at exit: $14,895

10-year hold

• IRR: 34.9%
• Equity multiple: 4.33×
• Total profit: $93,140
• Equity at exit: $8,638

Cash invested: $27,972 (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 15221

• Home prices YoY: -32.3%
• Rents YoY: 3.9%
• Active inventory: 118
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,709 high
• Mortgage (P&I): −$524
• Tax from tax record: −$58 /mo · $702/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$359
• Net cashflow: $726

Break-even live

Break-even rent $790

Max offer price $99,900

Occupancy floor 53%

Sensitivity live

Price	-10% $782	-5% $754	+0% $726	+5% $698	+10% $669
Rent	-10% $591	-5% $658	+0% $726	+5% $793	+10% $861
Rate	-1.0pp $776	-0.5pp $751	base $726	+0.5pp $700	+1.0pp $674

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
515 Hill Ave Pittsburgh, PA	4.0	1.0	1628	$1,300	$0.80	44d	1	0.23mi
745 Franklin Ave Pittsburgh, PA	4.0	2.0	1948	$1,599	$0.82	44d	1	0.52mi
565 Ardmore Blvd Pittsburgh, PA	4.0	1.0	1368	$1,450	$1.06	11d	1	0.92mi
8606 Westwood Rd Pittsburgh, PA	4.0	1.0	1596	$1,425	$0.89	44d	1	0.96mi
7138 Race St Pittsburgh, PA	5.0	2.0	2500	$2,500	$1.00	2d	1	1.11mi

Listing history 27 events

1. 2026-06-18
   days on market $99,900 Active 35 DOM
2. 2026-06-17
   days on market $99,900 Active 34 DOM
3. 2026-06-16
   days on market $99,900 Active 33 DOM
4. 2026-06-15
   days on market $99,900 Active 32 DOM
5. 2026-06-13
   days on market $99,900 Active 30 DOM
6. 2026-06-09
   days on market $99,900 Active 26 DOM
7. 2026-06-08
   days on market $99,900 Active 25 DOM
8. 2026-06-07
   days on market $99,900 Active 24 DOM
9. 2026-06-05
   days on market $99,900 Active 21 DOM
10. 2026-06-03
    days on market $99,900 Active 20 DOM
11. 2026-06-02
    days on market $99,900 Active 19 DOM
12. 2026-06-01
    days on market $99,900 Active 18 DOM
13. 2026-05-31
    days on market $99,900 Active 17 DOM
14. 2026-05-14
    listed $99,900 Active 400-char remark
15. 2021-04-09
    historical Contingent 121-char remark

    Show marketing remark (121 chars)

    Large single family 3 story home great for investment property or owner occupied. Large back yard and off street parking.

16. 2021-04-02
    listed $68,000 Active 121-char remark

    Show marketing remark (121 chars)

    Large single family 3 story home great for investment property or owner occupied. Large back yard and off street parking.

17. 2017-09-15
    historical Withdrawn

    Show marketing remark (271 chars)

    Very nice house in a convenient location with a view of the East End and a view of the city of Pittsburgh from the back deck. Large lot on the side of the house for plenty of off-street parking. Generous room sizes. Newer electrical work, plumbing & furnace (2017).

18. 2017-02-09
    listed $59,900 Active

    Show marketing remark (271 chars)

    Very nice house in a convenient location with a view of the East End and a view of the city of Pittsburgh from the back deck. Large lot on the side of the house for plenty of off-street parking. Generous room sizes. Newer electrical work, plumbing & furnace (2017).

19. 2016-10-11
    historical Withdrawn
20. 2016-10-04
    listed $45,000 Active
21. 2016-09-12
    historical Expired
22. 2016-07-28
    price $39,900
23. 2015-12-14
    listed $59,900 Active
24. 2015-07-24
    historical
25. 2015-04-10
    listed $55,000 Active
26. 2005-11-16
    soldstatus $9,500
27. 2005-04-24
    listed $15,900

ⓘ 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: $702 · $58/mo
• Projected year-2 tax: $1,140 · $95/mo
• Expected delta: +$438/yr (+$37/mo · 62.5%)

ⓘ 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 3/10 Moderate 7 d/yr ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,504
• − Mortgage interest: −$5,596
• − Property taxes: −$702
• − Insurance: −$500
• − Repairs & maintenance: −$1,640
• − Management: −$1,640
• − Depreciation: −$2,906
• Taxable income: $7,520
• Est. tax owed @ 24.0%: −$1,805
• After-tax cash flow: $6,905/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: Wilkinsburg Borough SD
• NCES district ID: 4226370
• Math proficiency: 14% ▼ -8.00%
• Reading proficiency: 23% ▼ -9.00%
• Median HH income: $32,204
• Composite: 14.94/100
• National rank: #9368
• State rank: #503 of 539 in PA

Livability — Wilkinsburg

• Score: 76/100
• State rank: #411
• US rank: #3754

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wilkinsburg, PA
• County: Allegheny County · 1,022,028 people
• City population: 29,513
• Metro: Pittsburgh, PA
• Population (ZIP): 29,374
• Household income: $55,028
• Rent vs Own: 55.3% rent · 44.7% own
• Severe rent burden: 1933.0

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: Diverse neighborhood (Simpson 0.60)
• Race & ethnicity: White 47% Black 43% Two or more races 7% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 4% Lithuanian 2% Serbian 1%
• Foreign-born: 4% · Canada, South Korea, China
• Languages at home: 93% English-only · Spanish 2% French/Haitian/Cajun 1% Other Indo-European 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: ▼ -109.77%
• Current HPI: 230.0486
• Rent YoY: ▲ 3.86%
• 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

+528.3% since first listed

14 events — show timeline

• 2026-05-14 Listed $99,900 West Penn MLS
• 2021-04-09 Contingent — West Penn MLS
• 2021-04-02 Listed $68,000 West Penn MLS
• 2017-09-15 Delisted — West Penn MLS
• 2017-02-09 Listed $59,900 West Penn MLS
• 2016-10-11 Delisted — West Penn MLS
• 2016-10-04 Listed $45,000 West Penn MLS
• 2016-09-12 Delisted — West Penn MLS
• 2016-07-28 Price Changed $39,900 West Penn MLS
• 2015-12-14 Listed $59,900 West Penn MLS
• 2015-07-24 Delisted — West Penn MLS
• 2015-04-10 Listed $55,000 West Penn MLS
• 2005-11-16 Sold (MLS) $9,500 West Penn MLS
• 2005-04-24 Listed $15,900 West Penn MLS

Property tax history

-11.7%/yr

Latest (2026): $702 · -69.2% YoY. Source: county tax records.