1209 Scott St · McKeesport, PA 15132

$39,900

3 bd · 1.0 ba · 2,133 sqft · SingleFamily public records · 19 Days on market

Built 1880 2,779 sqft lot $19/sqft · 29% below area Est $56k · 29% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

Key facts

• 2,779 sq ft lot
• Garage
• Built 1880

🏷️ Possibly a rental listed for sale. The $39,900 price doesn't fit this home's estimated sale value (~$56,376) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $40k.

Deal economics

• At list price, monthly cash flow is $755 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $40k).
• Recommended offer: $39k (1.5% below list) — sets the bar for market timing.
• Cap rate 29.0% vs local median 10.3% in McKeesport — 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 66/100 on livability (#1,089 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D, crime F.
• Mckeesport Area SD (suburban): math 11% / reading 28% proficiency, ranked #499 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 113 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• At $1,331/mo this rent would consume 45% of the median local household income ($35k/yr) (locally 1239% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $276 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($39k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $5k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $15k; list at $40k implies a 166% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $39,301 (1.5% below list)

Questions for the listing agent

1. Built in 1880 — 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 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?
4. 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?
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: 3.34% ✓
• Cap rate: 29.01%
• Cash-on-cash: 81.15%
• DSCR: 4.61
• GRM: 2.5

CMA / ARV

• ARV (median comp): $56,376
• List price: $39,900
• Delta: -29.05%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1410 Craig St	0.38mi	4/1.0 (+1)	2,006 (-6%)	2mo	$65,000	$32	66
2713 Jenny Lind St	0.43mi	3/1.5	2,064 (-3%)	22mo	$45,000	$22	54
2810 Jenny Lind St	0.46mi	3/1.0	1,852 (-13%)	6mo	$19,900	$11	52
2000 Eaton St	0.51mi	3/1.5	2,039 (-4%)	19mo	$175,000	$86	51
3314 Versailles Ave	0.43mi	4/2.5 (+1)	1,976 (-7%)	12mo	$159,900	$81	47
1703 Coursin St	0.55mi	3/2.0	1,874 (-12%)	6mo	$55,000	$29	45
1128 Mccleary St	0.42mi	4/2.5 (+1)	2,033 (-5%)	21mo	$148,000	$73	44
1111 - 11133 Jefferson St	0.66mi	4/2.0 (+1)	2,000 (-6%)	8mo	$120,000	$60	43
1517 Beaver St	0.55mi	3/1.5	1,815 (-15%)	6mo	$38,000	$21	42
1809 Coursin St	0.60mi	4/3.0 (+1)	1,916 (-10%)	11mo	$212,000	$111	33
1409 Carnegie Ave	0.56mi	4/1.5 (+1)	2,352 (+10%)	21mo	$72,000	$31	32
2302-2304 Walnut St #2302	0.73mi	4/2.0 (+1)	1,846 (-14%)	4mo	$133,790	$72	32

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: 81.4%
• Equity multiple: 4.73×
• Total profit: $41,685
• Equity at exit: $5,949

10-year hold

• IRR: 84.8%
• Equity multiple: 9.81×
• Total profit: $98,390
• Equity at exit: $3,450

Cash invested: $11,172 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 113
• Price-to-rent: 2.5×

Monthly cashflow live

• Estimated rent: $1,331 high
• Mortgage (P&I): −$209
• Tax from tax record: −$70 /mo · $843/yr
• Insurance: −$17
• HOA: −$0
• Vacancy / Maint / Mgmt: −$280
• Net cashflow: $755

Break-even live

Break-even rent $375

Max offer price $39,900

Occupancy floor 38%

Sensitivity live

Price	-10% $778	-5% $767	+0% $755	+5% $744	+10% $733
Rent	-10% $650	-5% $703	+0% $755	+5% $808	+10% $861
Rate	-1.0pp $776	-0.5pp $766	base $755	+0.5pp $745	+1.0pp $735

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: $9,975
• Closing costs: $1,197
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	0.02mi
2807 Beaver St McKeesport, PA	4.0	2.0	1700	$1,200	$0.71	44d	1	0.35mi
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	15d	1	0.46mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	0.64mi
2408 McCarrell St McKeesport, PA	4.0	1.0	1430	$1,195	$0.84	24d	1	0.74mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	44d	1	0.83mi
2311 Grandview Ave McKeesport, PA	4.0	2.0	2550	$1,250	$0.49	17d	1	0.85mi
3211 Walnut St McKeesport, PA	4.0	1.0	1434	$1,500	$1.05	8d	1	1.04mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	44d	1	1.22mi

Listing history 36 events

1. 2026-06-18
   days on market $39,900 Active 19 DOM
2. 2026-06-17
   days on market $39,900 Active 18 DOM
3. 2026-06-16
   days on market $39,900 Active 17 DOM
4. 2026-06-15
   days on market $39,900 Active 16 DOM
5. 2026-06-13
   days on market $39,900 Active 14 DOM
6. 2026-06-13
   days on market $39,900 Active 13 DOM
7. 2026-06-09
   days on market $39,900 Active 10 DOM
8. 2026-06-08
   days on market $39,900 Active 9 DOM
9. 2026-06-07
   days on market $39,900 Active 8 DOM
10. 2026-06-03
    days on market $39,900 Active 4 DOM
11. 2026-06-02
    days on market $39,900 Active 3 DOM
12. 2026-06-01
    days on market $39,900 Active 2 DOM
13. 2026-05-31
    pricedays on marketlisting id $39,900 Active 1 DOM
14. 2025-12-07
    price $40,000 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

15. 2025-11-13
    price $40,900 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

16. 2025-09-04
    price $41,900 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

17. 2025-08-08
    price $42,900 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

18. 2025-07-02
    price $43,900 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

19. 2025-05-30
    listed $44,900 Active 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

20. 2024-01-21
    listed $22,900 Active 712-char remark

    Show marketing remark (712 chars)

    Heart of Mckeesport! Beautiful tree lined street. This frame single family is nestled back on a great size lot. It is conveniently located near local shopping, public transit, and offers easy access to anywhere in the city. This is perfect for an investor who wants to inherit a great rental that needs some TLC to place a tenant and generate income or a rehabber who wants to renovate and resell. Implement your own personal touches and revive this property to its potential! Main floor has Living Room, Dining Room, Kitchen, and Den or Mudroom. Second floor has 3 Bedrooms and a Full Bath. Third Floor has another Bedroom. Blank canvas! Perfect for any investor- tons of potential! Opportunities are endless!

21. 2023-11-13
    price $22,900
22. 2023-10-29
    price $23,900
23. 2023-10-11
    price $24,500
24. 2023-09-22
    price $25,500
25. 2023-09-05
    price $26,500
26. 2023-08-09
    price $27,500
27. 2023-07-18
    price $28,500
28. 2023-06-29
    price $29,500
29. 2023-06-07
    price $30,500
30. 2023-05-24
    price $31,900
31. 2023-04-26
    price $35,900
32. 2023-03-31
    price $36,900
33. 2023-03-03
    price $37,900
34. 2023-02-04
    price $38,900
35. 2023-01-24
    listed $39,900 Active
36. 2006-09-20
    soldstatus $15,000

ⓘ 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: $843 · $70/mo
• Projected year-2 tax: $843 · $70/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,974
• − Mortgage interest: −$2,235
• − Property taxes: −$843
• − Insurance: −$200
• − Repairs & maintenance: −$1,278
• − Management: −$1,278
• − Depreciation: −$1,161
• Taxable income: $8,980
• Est. tax owed @ 24.0%: −$2,155
• After-tax cash flow: $6,911/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: Mckeesport Area SD
• NCES district ID: 4214940
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 28% ▼ -10.00%
• Median HH income: $33,779
• Composite: 15.88/100
• National rank: #9257
• State rank: #499 of 539 in PA

Livability — McKeesport

• Score: 66/100
• State rank: #1089
• US rank: #12321

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKeesport, PA
• County: Allegheny County · 1,022,028 people
• City population: 25,010
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

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 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• 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

+166.7% since first listed

23 events — show timeline

• 2025-12-07 Price Changed $40,000 West Penn MLS
• 2025-11-13 Price Changed $40,900 West Penn MLS
• 2025-09-04 Price Changed $41,900 West Penn MLS
• 2025-08-08 Price Changed $42,900 West Penn MLS
• 2025-07-02 Price Changed $43,900 West Penn MLS
• 2025-05-30 Listed $44,900 West Penn MLS
• 2024-01-21 Listed $22,900 West Penn MLS
• 2023-11-13 Price Changed $22,900 West Penn MLS
• 2023-10-29 Price Changed $23,900 West Penn MLS
• 2023-10-11 Price Changed $24,500 West Penn MLS
• 2023-09-22 Price Changed $25,500 West Penn MLS
• 2023-09-05 Price Changed $26,500 West Penn MLS
• 2023-08-09 Price Changed $27,500 West Penn MLS
• 2023-07-18 Price Changed $28,500 West Penn MLS
• 2023-06-29 Price Changed $29,500 West Penn MLS
• 2023-06-07 Price Changed $30,500 West Penn MLS
• 2023-05-24 Price Changed $31,900 West Penn MLS
• 2023-04-26 Price Changed $35,900 West Penn MLS
• 2023-03-31 Price Changed $36,900 West Penn MLS
• 2023-03-03 Price Changed $37,900 West Penn MLS
• 2023-02-04 Price Changed $38,900 West Penn MLS
• 2023-01-24 Listed $39,900 West Penn MLS
• 2006-09-20 Sold (Public Records) $15,000 Public Records

Property tax history

+6.2%/yr

Latest (2026): $843 · +0.0% YoY. Source: county tax records.