13694 Stewart Ln · Linesville, PA 16424

$120,000

3 bd · 1.0 ba · 1,000 sqft · SingleFamily · 4 Days on market

Built 1987 0.52 ac lot Est $112k · 7% over

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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 +29.3/30.0
• DSCR +10.0/10.0
• Appreciation +9.2/10.0
• 1% rule +7.3/10.0
• ARV discount +4.3/15.0
• Schools +4.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Escape to the charm and tranquility of this cozy log cabin retreat situated on a spacious half-acre lot just minutes from beautiful Pymatuning Lake. Previously enjoyed as a vacation home, this property offers the perfect getaway for weekend escapes, seasonal living, or year-round relaxation. Surrounded by nature and tucked into a peaceful setting, the cabin combines rustic character with inviting comfort. Whether you’re spending your days boating, fishing, hiking, or simply unwinding by the fire, you’ll love the close proximity to all the recreation and scenic beauty Pymatuning Lake has to offer. With plenty of outdoor space to enjoy gatherings, campfires, and quiet evenings und

Key facts

• Half-acre lot
• Pymatuning lake
• Outdoor space

Tags

• LOG CABIN RETREAT
• HALF-ACRE LOT
• PYMATUNING LAKE
• OUTDOOR SPACE
• LAKESIDE-AREA RETREAT

Property features AI

Finance

• Financial info: Annual tax listed

Exterior

• Utilities: Well water; Public sewer
• Home design: Single-family residence; One and one-half stories
• Construction: Log construction
• Exterior features: Metal roof; Lot approximately 0.52 acres (about 100 x 228)

Interior

• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Propane heating
• Interior features: Vinyl flooring; Fireplace (1); Basement with dirt floor and exterior entry; 7 total rooms

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $420 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).

Location & tenants

• Location reads 69/100 on livability (#836 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, health & safety D, amenities F.
• Conneaut SD (rural): math 38% / reading 57% proficiency, ranked #241 of 539 in PA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Conneaut Valley El Sch (math 57% / reading 62%, grade B-, #377 of 1,518 statewide, top 28%, 316 students, 100% FRL); Conneaut Valley Ms (math 29% / reading 58%, grade D, #208 of 512 statewide, top 41%, 259 students, 100% FRL); Conneaut Area Senior High (math 95% / reading 24%, grade C+, #79 of 437 statewide, top 18%, 579 students, 80% FRL) — zoned schools average 93% FRL vs 44% district-wide (50 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 53 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($830 loan paydown + $10k appreciation (8.5% local appreciation)).
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.5% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $120,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.23% ✓
• Cap rate: 10.50%
• Cash-on-cash: 15.01%
• DSCR: 1.67
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $112,000
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
574 W Erie St	0.34mi	2/1.0 (-1)	1,100 (+10%)	10mo	$123,000	$112	54

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

8.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 32.6%
• Equity multiple: 3.38×
• Total profit: $79,925
• Equity at exit: $95,152

10-year hold

• IRR: 28.8%
• Equity multiple: 7.32×
• Total profit: $212,203
• Equity at exit: $192,808

Cash invested: $33,600 (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 16424

• Home prices YoY: 3.2%
• Active inventory: 53
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,476 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$66 /mo · $794/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$310
• Net cashflow: $420

Break-even live

Break-even rent $944

Max offer price $120,000

Occupancy floor 67%

Sensitivity live

Price	-10% $488	-5% $454	+0% $420	+5% $386	+10% $352
Rent	-10% $304	-5% $362	+0% $420	+5% $479	+10% $537
Rate	-1.0pp $481	-0.5pp $451	base $420	+0.5pp $389	+1.0pp $358

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-20
   price $120,000
2. 2026-05-19
   listed $12,000 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: $794 · $66/mo
• Projected year-2 tax: $1,345 · $112/mo
• Expected delta: +$551/yr (+$46/mo · 69.3%)

ⓘ 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 2/10 Low 7 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,710
• − Mortgage interest: −$6,722
• − Property taxes: −$794
• − Insurance: −$600
• − Repairs & maintenance: −$1,417
• − Management: −$1,417
• − Depreciation: −$3,491
• Taxable income: $3,269
• Est. tax owed @ 24.0%: −$785
• After-tax cash flow: $4,260/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: Conneaut SD
• NCES district ID: 4206590
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 57% ▼ -7.00%
• Median HH income: $43,946
• Composite: 40.06/100
• National rank: #3813
• State rank: #241 of 539 in PA

Livability — Linesville

• Score: 69/100
• State rank: #836
• US rank: #8776

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,328

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · German/W. Germanic 3% Spanish 1%

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.48%
• Current HPI: 276.8388
• 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

+900.0% since first listed

2 events — show timeline

• 2026-05-20 Price Changed $120,000 GEBOR
• 2026-05-19 Listed $12,000 GEBOR

Property tax history

+0.8%/yr

Latest (2025): $794 · +0.0% YoY. Source: county tax records.