244 Chadwick Ln · Greens Landing, PA 18831

$66,000

2 bd · 2.0 ba · 1,056 sqft · Manufactured · 74 Days on market

Built 2010 $62/sqft · 60% below 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
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• ARV discount +7.5/15.0
• Appreciation +7.2/10.0
• Schools +4.1/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

"Motivated Seller" This well-maintained 2010 Chesapeake mobile home offers 2 spacious bedrooms, 2 full bathrooms, a large living room, along with an open kitchen and dining area—perfect for everyday living and entertaining. Enjoy outdoor relaxation on the rear deck. Desirable lot, located in a country setting in Country Acres Community Park, ( Athens Township) current lot rent of $450/month, which includes water and sewer. Application for park approval needed.

Key facts

• Built 2010
• Listed 73 days

🏷️ Possibly a rental listed for sale. The $66,000 price doesn't fit this home's estimated sale value (~$163,078) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $66k.

Deal economics

• At list price, monthly cash flow is $301 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($970 rent vs $66k).
• Recommended offer: $62k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#1,417 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, schools F, amenities F.
• Athens Area SD (town): math 38% / reading 58% proficiency, ranked #227 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 2 active listings in the ZIP; 66 units permitted in Bradford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($456 loan paydown + $3k appreciation (4.5% local appreciation)).
• Bradford County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.5% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y ago; this cycle's ask has dropped $6k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $24k; list at $66k implies a 169% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $62,040 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-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. 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: 1.47% ✓
• Cap rate: 11.76%
• Cash-on-cash: 19.54%
• DSCR: 1.87
• GRM: 5.7

CMA / ARV

• ARV (median comp): $163,078
• List price: $66,000
• Delta: -59.53%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

4.46% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.8%
• Equity multiple: 2.75×
• Total profit: $32,385
• Equity at exit: $35,262

10-year hold

• IRR: 28.0%
• Equity multiple: 5.46×
• Total profit: $82,396
• Equity at exit: $59,157

Cash invested: $18,480 (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 18831

• Home prices YoY: 4.0%
• Active inventory: 2
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $970 medium
• Mortgage (P&I): −$346
• Tax from tax record: −$92 /mo · $1,106/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$204
• Net cashflow: $301

Break-even live

Break-even rent $590

Max offer price $66,000

Occupancy floor 64%

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: $16,500
• Closing costs: $1,980
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-19
   days on market $66,000 Active 74 DOM
2. 2026-06-18
   days on market $66,000 Active 73 DOM
3. 2026-06-17
   days on market $66,000 Active 72 DOM
4. 2026-06-16
   days on market $66,000 Active 71 DOM
5. 2026-06-15
   days on market $66,000 Active 70 DOM
6. 2026-06-14
   days on market $66,000 Active 68 DOM
7. 2026-06-12
   days on market $66,000 Active 67 DOM
8. 2026-06-09
   days on market $66,000 Active 64 DOM
9. 2026-06-08
   days on market $66,000 Active 63 DOM
10. 2026-06-07
    days on market $66,000 Active 62 DOM
11. 2026-06-04
    days on market $66,000 Active 58 DOM
12. 2026-06-02
    days on market $66,000 Active 57 DOM
13. 2026-06-01
    days on market $66,000 Active 56 DOM
14. 2026-05-31
    days on market $66,000 Active 55 DOM
15. 2026-05-31
    days on market $66,000 Active 54 DOM
16. 2026-05-05
    price $66,000 480-char remark

    Show marketing remark (480 chars)

    "Motivated Seller" This well-maintained 2010 Chesapeake mobile home offers 2 spacious bedrooms, 2 full bathrooms, a large living room, along with an open kitchen and dining area—perfect for everyday living and entertaining. Enjoy outdoor relaxation on the rear deck. Desirable lot, located in a country setting in Country Acres Community Park, ( Athens Township) current lot rent of $450/month, which includes water and sewer. Application for park approval needed.

17. 2026-04-20
    price $69,000 480-char remark

    Show marketing remark (480 chars)

    "Motivated Seller" This well-maintained 2010 Chesapeake mobile home offers 2 spacious bedrooms, 2 full bathrooms, a large living room, along with an open kitchen and dining area—perfect for everyday living and entertaining. Enjoy outdoor relaxation on the rear deck. Desirable lot, located in a country setting in Country Acres Community Park, ( Athens Township) current lot rent of $450/month, which includes water and sewer. Application for park approval needed.

18. 2026-04-06
    listed $72,000 Active 480-char remark

    Show marketing remark (480 chars)

    "Motivated Seller" This well-maintained 2010 Chesapeake mobile home offers 2 spacious bedrooms, 2 full bathrooms, a large living room, along with an open kitchen and dining area—perfect for everyday living and entertaining. Enjoy outdoor relaxation on the rear deck. Desirable lot, located in a country setting in Country Acres Community Park, ( Athens Township) current lot rent of $450/month, which includes water and sewer. Application for park approval needed.

19. 2018-07-16
    soldstatus $24,500 518-char remark

    Show marketing remark (518 chars)

    VERY AFFORDABLE PRICE FOR THIS MOVE IN READY 2010 SINGLE WIDE CHESAPEAKE MOBILE HOME THAT IS LOCATED IN A VERY QUIET COUNTRY COMMUNITY. HOME HAS 2 BEDROOMS, 2 BATHS, AN EAT IN KITCHEN, A LAUNDRY ROOM, AND IS VERY OPEN AND MODERN. BRAND NEW CARPET THROUGHOUT. TIERED DECK FOR ENTERTAINING OR RELAXING AND HOME IS NEAR A WOODED AREA TO ENJOY THE WILDLIFE. THERE IS A LARGE SHED FOR EXTRA STORAGE. LOT RENT IS $300 WHICH INCLUDES THE WATER AND SEPTIC AND A NEW BUYER MUST BE APPROVED BY THE COUNTRY ACRES COMMUNITY OWNER.

20. 2017-10-24
    listed $32,900 518-char remark

    Show marketing remark (518 chars)

    VERY AFFORDABLE PRICE FOR THIS MOVE IN READY 2010 SINGLE WIDE CHESAPEAKE MOBILE HOME THAT IS LOCATED IN A VERY QUIET COUNTRY COMMUNITY. HOME HAS 2 BEDROOMS, 2 BATHS, AN EAT IN KITCHEN, A LAUNDRY ROOM, AND IS VERY OPEN AND MODERN. BRAND NEW CARPET THROUGHOUT. TIERED DECK FOR ENTERTAINING OR RELAXING AND HOME IS NEAR A WOODED AREA TO ENJOY THE WILDLIFE. THERE IS A LARGE SHED FOR EXTRA STORAGE. LOT RENT IS $300 WHICH INCLUDES THE WATER AND SEPTIC AND A NEW BUYER MUST BE APPROVED BY THE COUNTRY ACRES COMMUNITY OWNER.

21. 2014-08-22
    soldstatus $40,000
22. 2013-09-16
    listed $42,900

ⓘ 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: $1,106 · $92/mo
• Projected year-2 tax: $1,106 · $92/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 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,646
• − Mortgage interest: −$3,697
• − Property taxes: −$1,106
• − Insurance: −$330
• − Repairs & maintenance: −$932
• − Management: −$932
• − Depreciation: −$1,920
• Taxable income: $2,729
• Est. tax owed @ 24.0%: −$655
• After-tax cash flow: $2,956/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: Athens Area SD
• NCES district ID: 4202670
• Math proficiency: 38% ▼ -3.00%
• Reading proficiency: 58% ▼ -2.00%
• Median HH income: $45,684
• Composite: 40.64/100
• National rank: #3683
• State rank: #227 of 539 in PA

Livability — Greens Landing

• Score: 61/100
• State rank: #1417
• US rank: #17973

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Greens Landing, PA
• Population (ZIP): 1,065

Population outlook (Bradford County) Hauer SSP2

• Today (2025): 57,236 people
• By 2030: 54,660 · -4.5%
• By 2040: 49,502 · -13.5%
• By 2050: 44,277 · -22.6%
• By 2075: 33,420 · -41.6%
• By 2100: 22,919 · -60.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Asian 3% Two or more races 2%
• Common ancestry: Italian 4% Romanian 2% Danish 1%
• Foreign-born: 2%
• Languages at home: 96% English-only · Tagalog/Filipino 2% Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Bradford

• 2024 margin: Solid R (+47.9) · D 25.6% · R 73.5%
• 2008→2024 swing: -29.5pp toward R · 2008: -18.4pp · 2024: -47.9pp
• All cycles: 2024: R+47.9 2020: R+44.9 2016: R+46.0 2012: R+24.6 2008: R+18.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.46%
• Current HPI: 115.5949
• 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

+53.8% since first listed

7 events — show timeline

• 2026-05-05 Price Changed $66,000 NMPA
• 2026-04-20 Price Changed $69,000 NMPA
• 2026-04-06 Listed $72,000 NMPA
• 2018-07-16 Sold (MLS) $24,500 NMPA
• 2017-10-24 Listed $32,900 NMPA
• 2014-08-22 Sold (MLS) $40,000 NMPA
• 2013-09-16 Listed $42,900 NMPA

Property tax history

+1.6%/yr

Latest (2026): $1,106 · +6.1% YoY. Source: county tax records.