265 Wyoming Ave · Enola, PA 17025

$199,900

3 bd · 1.5 ba · 2,232 sqft · SingleFamily public records · 32 Days on market

Built 1906 3,920 sqft lot Est $306k · 35% 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 +20.6/30.0
• ARV discount +15.0/15.0
• DSCR +6.5/10.0
• 1% rule +5.2/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

PRICE IMPROVEMENT! A timeless East Pennsboro classic with modern upgrades, 265 Wyoming Ave blends old‑world traditional charm with thoughtful improvements and flexible use options—zoned Commercial Limited, yet perfectly suited as a spacious residence or continued investment property. This 5‑bedroom, 4.5‑bath home is currently operated as a mid‑term rental with tenants in place. Inside, the large living room features French doors and a ventless gas fireplace, while the formal dining room showcases built‑in bookcases. The kitchen’s exposed brick and faux tin ceiling complement the home’s classic character, and the main‑floor laundry and added half bath enhance everyday conve

Key facts

• 2 parking spots
• Built 1906
• Listed 32 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $266 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $194k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#243 in PA, #2,077 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, commute D+, amenities F.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL).
• Zoned-school proficiency averages 77% at this address vs 44% district-wide (+34 pts) — the actual schools serving this property are materially stronger than the East Pennsboro Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+6.5%/yr); 126 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 6.5% rent growth), your $56k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 32 days — a 3% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 20y ago; this cycle's ask has dropped $25k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $113k; list at $200k implies a 77% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1906 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 32 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 1906 — 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 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?
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: 1.02% ✓
• Cap rate: 7.89%
• Cash-on-cash: 5.69%
• DSCR: 1.25
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $305,784
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
99 E Perry St	0.29mi	3/2.0	2,131 (-4%)	1mo	$295,000	$138	76
11 W Highland Ave	0.68mi	3/2.0	1,920 (-14%)	2mo	$315,000	$164	42
121 Henry Rd	0.52mi	4/2.0 (+1)	2,082 (-7%)	20mo	$285,000	$137	41
442 Enola Dr N	0.31mi	4/1.0 (+1)	1,977 (-11%)	23mo	$241,000	$122	41
24 Lancaster Ave	0.63mi	3/2.0	2,516 (+13%)	16mo	$320,000	$127	34

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: -3.7%
• Equity multiple: 0.86×
• Total profit: $-8,112
• Equity at exit: $29,806

10-year hold

• IRR: 9.5%
• Equity multiple: 1.84×
• Total profit: $47,162
• Equity at exit: $17,284

Cash invested: $55,972 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 126
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,041 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$216 /mo · $2,587/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$429
• Net cashflow: $266

Break-even live

Break-even rent $1,705

Max offer price $199,900

Occupancy floor 82%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Silk Mill Dr East Pennsboro Township, PA	2.0	1.0–2.0	1319	$1,822	$1.38	14d	8	0.40mi
99 Lee Ann Ct Enola, PA	3.0	2.5	1540	$1,995	$1.30	14d	1	1.50mi

Listing history 14 events

1. 2026-04-05
   status Pending
2. 2026-03-27
   price $199,900
3. 2026-03-05
   listed $225,000 Active
4. 2026-03-02
   historical $225,000
5. 2013-12-27
   historical
6. 2013-11-08
   historical
7. 2013-07-29
   listed $111,500
8. 2013-07-09
   listed $111,500
9. 2011-10-01
   historical
10. 2011-04-01
    listed $129,900
11. 2006-05-08
    soldstatus $113,200
12. 2006-05-08
    soldstatus $113,200
13. 2006-03-09
    listed $109,900
14. 1991-08-28
    soldstatus $45,000

ⓘ 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: $2,587 · $216/mo
• Projected year-2 tax: $2,872 · $239/mo
• Expected delta: +$286/yr (+$24/mo · 11.1%)

ⓘ 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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,498
• − Mortgage interest: −$11,198
• − Property taxes: −$2,587
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,960
• − Management: −$1,960
• − Depreciation: −$5,815
• Taxable loss: −$21
• Est. tax savings @ 24.0%: +$5
• After-tax cash flow: $3,192/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — Enola

• Score: 79/100
• State rank: #243
• US rank: #2077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• City population: 17,648
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• Metro: Harrisburg-Carlisle, 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

+344.2% since first listed

14 events — show timeline

• 2026-04-05 Pending — BRIGHT MLS
• 2026-03-27 Price Changed $199,900 BRIGHT MLS
• 2026-03-05 Listed $225,000 BRIGHT MLS
• 2026-03-02 Coming Soon $225,000 BRIGHT MLS
• 2013-12-27 Listing Removed — BRIGHT MLS
• 2013-11-08 Listing Removed — BRIGHT MLS
• 2013-07-29 Listed $111,500 BRIGHT MLS
• 2013-07-09 Listed $111,500 BRIGHT MLS
• 2011-10-01 Listing Removed — BRIGHT MLS
• 2011-04-01 Listed $129,900 BRIGHT MLS
• 2006-05-08 Sold (Public Records) $113,200 Public Records
• 2006-05-08 Sold (MLS) $113,200 BRIGHT MLS
• 2006-03-09 Listed $109,900 BRIGHT MLS
• 1991-08-28 Sold (Public Records) $45,000 Public Records

Property tax history

+3.4%/yr

Latest (2026): $2,587 · +1.8% YoY. Source: county tax records.