343 Heth St · Cumberland, PA 17325

$69,900

2 bd · 1.5 ba · 1,056 sqft · Manufactured public records · 36 Days on market

Built 1982 $66/sqft · 90% above area $658/mo HOA · 49% of rent

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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 +10.0/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Just minutes from downtown Gettysburg and the Gettysburg Battlefield Historic District, this charming single‑story mobile home in Lincoln Estates MHP offers comfortable, convenient living on a lovely level corner lot. At 1,056 square feet, the floor plan is thoughtfully arranged for everyday life and easy entertaining: a large covered front porch opens into a spacious living room, while the kitchen/dining area flows toward the laundry room and a large covered rear porch—ideal for morning coffee or evening relaxation. The home features three bedrooms and two full baths. The primary bedroom and attached master bath are located to the left of the living room for privacy, while two additional bedrooms and a second full bath sit to the right—perfect for family, guests, or a home office. Practical amenities include an included refrigerator, range, washer and dryer, two storage sheds, an attached carport, and a concrete driveway. Outdoor living is a highlight, with generous covered porches at both front and rear providing comfortable space for relaxation or socializing. Prospective buyers should note that Property Manager approval is required prior to an official offer being accepted. With its convenient location, ready amenities, and move‑in‑friendly condition, this home is a great opportunity—schedule a viewing today.

Key facts

• Kitchen dining area
• Attached master bath
• Level corner lot

Tags

• LEVEL CORNER LOT
• LARGE COVERED FRONT PORCH
• SPACIOUS LIVING ROOM
• KITCHEN DINING AREA
• LARGE COVERED REAR PORCH
• ATTACHED MASTER BATH

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath manufactured listed at $70k.

Deal economics

• At list price, monthly cash flow is $-42 ($-505/yr) — negative.
• To cash-flow at today's rent, offer at most $62k (10.6% below list).
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $62k (10.6% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Gettysburg Area SD (rural): math 46% / reading 60% proficiency, ranked #132 of 539 in PA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 313 active listings in the ZIP; solid renter incomes; 403 units permitted in Adams County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Adams County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 16y 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.

Risks & watch-outs

• Watch-outs: HOA is 49% of rent.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $62,471 (10.6% 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 36 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.93% ✓
• Cap rate: 5.57%
• Cash-on-cash: -2.58%
• DSCR: 0.89
• GRM: 4.3

CMA / ARV

• ARV (median comp): $36,788
• List price: $69,900
• Delta: 90.01%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
99 Walker Ave	0.21mi	2/1.0	910 (-14%)	11mo	$40,000	$44	56

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: -19.8%
• Equity multiple: 0.31×
• Total profit: $-13,602
• Equity at exit: $10,422

10-year hold

• IRR: -11.3%
• Equity multiple: 0.30×
• Total profit: $-13,657
• Equity at exit: $6,044

Cash invested: $19,572 (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 17325

• Home prices YoY: -22.4%
• Active inventory: 313
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,346 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$52 /mo · $623/yr
• Insurance: −$29
• HOA: −$658
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $-42

Break-even live

Break-even rent $1,399

Max offer price $62,471

Occupancy floor 98%

Sensitivity live

Price	-10% $-2	-5% $-22	+0% $-42	+5% $-62	+10% $-82
Rent	-10% $-148	-5% $-95	+0% $-42	+5% $11	+10% $64
Rate	-1.0pp $-7	-0.5pp $-24	base $-42	+0.5pp $-60	+1.0pp $-79

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $658 · $7,896/yr

Listing history 13 events

1. 2026-05-12
   status Pending 1353-char remark

   Show marketing remark (1353 chars)

   Just minutes from downtown Gettysburg and the Gettysburg Battlefield Historic District, this charming single‑story mobile home in Lincoln Estates MHP offers comfortable, convenient living on a lovely level corner lot. At 1,056 square feet, the floor plan is thoughtfully arranged for everyday life and easy entertaining: a large covered front porch opens into a spacious living room, while the kitchen/dining area flows toward the laundry room and a large covered rear porch—ideal for morning coffee or evening relaxation. The home features three bedrooms and two full baths. The primary bedroom and attached master bath are located to the left of the living room for privacy, while two additional bedrooms and a second full bath sit to the right—perfect for family, guests, or a home office. Practical amenities include an included refrigerator, range, washer and dryer, two storage sheds, an attached carport, and a concrete driveway. Outdoor living is a highlight, with generous covered porches at both front and rear providing comfortable space for relaxation or socializing. Prospective buyers should note that Property Manager approval is required prior to an official offer being accepted. With its convenient location, ready amenities, and move‑in‑friendly condition, this home is a great opportunity—schedule a viewing today.

2. 2026-04-06
   listed $69,900 Active 1353-char remark

   Show marketing remark (1353 chars)

   Just minutes from downtown Gettysburg and the Gettysburg Battlefield Historic District, this charming single‑story mobile home in Lincoln Estates MHP offers comfortable, convenient living on a lovely level corner lot. At 1,056 square feet, the floor plan is thoughtfully arranged for everyday life and easy entertaining: a large covered front porch opens into a spacious living room, while the kitchen/dining area flows toward the laundry room and a large covered rear porch—ideal for morning coffee or evening relaxation. The home features three bedrooms and two full baths. The primary bedroom and attached master bath are located to the left of the living room for privacy, while two additional bedrooms and a second full bath sit to the right—perfect for family, guests, or a home office. Practical amenities include an included refrigerator, range, washer and dryer, two storage sheds, an attached carport, and a concrete driveway. Outdoor living is a highlight, with generous covered porches at both front and rear providing comfortable space for relaxation or socializing. Prospective buyers should note that Property Manager approval is required prior to an official offer being accepted. With its convenient location, ready amenities, and move‑in‑friendly condition, this home is a great opportunity—schedule a viewing today.

3. 2025-08-15
   soldstatus $64,473 Closed 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

4. 2025-07-05
   status Pending 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

5. 2025-06-22
   status Active 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

6. 2025-04-25
   status Pending 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

7. 2025-03-21
   status Active 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

8. 2025-03-12
   status Pending 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

9. 2025-02-04
   price $64,900 941-char remark

   Show marketing remark (941 chars)

   Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

10. 2025-01-16
    listed $64,990 Active 941-char remark

    Show marketing remark (941 chars)

    Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

11. 2025-01-15
    historical $64,990 941-char remark

    Show marketing remark (941 chars)

    Located on a fabulous corner lot in Lincoln Estates Mobile Home Park, this property offers a beautiful blend of convenience and functionality. Covered parking and 2 storage sheds provide ample space for all your hobbies and needs. A thoughtfully designed wooden ramp leads you to front porch seating and the front entrance to the home, ensuring easy accessibility for everyone. Spend hours on the covered back porch entertaining or simply enjoying your surroundings. Inside, the bedrooms and kitchen are connected by newly installed luxury vinyl plank floor through the main gathering areas of the home. The perfect warmth of wood but with the ease in care of vinyl. Each bedroom has large closets accessed by sliding doors. Master bed and bath are a true retreat, boasting a soaking garden tub and plenty of space to unwind. This home is move in ready with all the necessities and sweet bonus outdoor space and storage. See it for yourself!

12. 2010-02-05
    soldstatus $34,500
13. 2010-01-12
    listed $34,900

ⓘ 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: $623 · $52/mo
• Projected year-2 tax: $863 · $72/mo
• Expected delta: +$241/yr (+$20/mo · 38.7%)

ⓘ 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 6/10 Major 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,155
• − Mortgage interest: −$3,915
• − Property taxes: −$623
• − Insurance: −$350
• − Repairs & maintenance: −$1,292
• − Management: −$1,292
• − HOA: −$7,896
• − Depreciation: −$2,033
• Taxable loss: −$1,247
• Est. tax savings @ 24.0%: +$299
• After-tax cash flow: $-205/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: Gettysburg Area SD
• NCES district ID: 4210710
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 60% ▼ -9.00%
• Median HH income: $58,451
• Composite: 46.03/100
• National rank: #2526
• State rank: #132 of 539 in PA

Livability — Cumberland

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Adams County · 30,373 people
• Metro: Gettysburg, PA
• Population (ZIP): 30,373
• Household income: $80,948
• Rent vs Own: 27.3% rent · 72.7% own
• Severe rent burden: 447.0

Population outlook (Adams County) Hauer SSP2

• Today (2025): 102,494 people
• By 2030: 101,890 · -0.6%
• By 2040: 98,417 · -4.0%
• By 2050: 92,014 · -10.2%
• By 2075: 76,128 · -25.7%
• By 2100: 58,931 · -42.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 9% Two or more races 5% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 3% Serbian 2%
• Foreign-born: 5% · Canada, China, Vietnam
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Adams

• 2024 margin: Solid R (+33.6) · D 32.7% · R 66.4%
• 2008→2024 swing: -14.1pp toward R · 2008: -19.6pp · 2024: -33.6pp
• All cycles: 2024: R+33.6 2020: R+34.1 2016: R+36.4 2012: R+27.6 2008: R+19.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.49%
• Current HPI: 282.6594
• Rent YoY: —
• Metro: Gettysburg, 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

+100.3% since first listed

13 events — show timeline

• 2026-05-12 Pending — BRIGHT MLS
• 2026-04-06 Listed $69,900 BRIGHT MLS
• 2025-08-15 Sold (MLS) $64,473 BRIGHT MLS
• 2025-07-05 Pending — BRIGHT MLS
• 2025-06-22 Relisted — BRIGHT MLS
• 2025-04-25 Pending — BRIGHT MLS
• 2025-03-21 Relisted — BRIGHT MLS
• 2025-03-12 Pending — BRIGHT MLS
• 2025-02-04 Price Changed $64,900 BRIGHT MLS
• 2025-01-16 Listed $64,990 BRIGHT MLS
• 2025-01-15 Coming Soon $64,990 BRIGHT MLS
• 2010-02-05 Sold (MLS) $34,500 BRIGHT MLS
• 2010-01-12 Listed $34,900 BRIGHT MLS

Property tax history

+1.8%/yr

Latest (2026): $623 · +3.3% YoY. Source: county tax records.