828 George St · Lilly, PA 15938

$74,500

4 bd · 1.0 ba · 1,260 sqft · SingleFamily · 153 Days on market

Built 1910 10,454 sqft lot $59/sqft · 43% below area Est $131k · 43% under

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Why this score? — see what drove the A- 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
• Appreciation +4.6/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

Key facts

• Newer gutter system
• Off street parking
• Large yard

Tags

• LARGE YARD
• OFF STREET PARKING
• COZY COVERED FRONT PORCH
• VINYL SIDING
• COMPOSITE DECKING
• NEWER GUTTER SYSTEM

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $74k.

Deal economics

• At list price, monthly cash flow is $508 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#1,087 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, schools B; Watch: crime C-, employment C-, amenities F.
• Penn Cambria SD (town): math 29% / reading 57% proficiency, ranked #304 of 539 in PA (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 14 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.9%/yr); year-one equity from $515 of loan paydown is wiped out by about $670 of value loss. Plan a longer hold.
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.9% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 153 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $65,560 (12.0% below list)

Questions for the listing agent

1. It's been on market 153 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.68% ✓
• Cap rate: 14.47%
• Cash-on-cash: 29.21%
• DSCR: 2.30
• GRM: 4.9

CMA / ARV

• ARV (median comp): $130,505
• List price: $74,500
• Delta: -42.91%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
617 George St	0.24mi	3/1.0 (-1)	1,200 (-5%)	18mo	$155,000	$129	61
637 White St	0.22mi	3/1.0 (-1)	1,440 (+14%)	16mo	$150,000	$104	47
917 Main St	0.23mi	4/2.0	1,428 (+13%)	19mo	$43,000	$30	47
136 William St	0.69mi	3/2.0 (-1)	1,316 (+4%)	13mo	$165,000	$125	40
5250 Portage St	0.71mi	3/1.0 (-1)	1,350 (+7%)	13mo	$130,000	$96	39

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

Projected returns pro-forma

-0.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.9%
• Equity multiple: 2.30×
• Total profit: $27,063
• Equity at exit: $18,342

10-year hold

• IRR: 32.7%
• Equity multiple: 4.43×
• Total profit: $71,620
• Equity at exit: $19,568

Cash invested: $20,860 (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 15938

• Home prices YoY: -0.9%
• Active inventory: 14
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,255 medium
• Mortgage (P&I): −$391
• Tax from tax record: −$62 /mo · $746/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $508

Break-even live

Break-even rent $613

Max offer price $74,500

Occupancy floor 55%

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: $18,625
• Closing costs: $2,235
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-19
   days on market $74,500 Active 153 DOM
2. 2026-06-18
   days on market $74,500 Active 152 DOM
3. 2026-06-17
   days on market $74,500 Active 151 DOM
4. 2026-06-16
   days on market $74,500 Active 150 DOM
5. 2026-06-15
   days on market $74,500 Active 149 DOM
6. 2026-06-14
   days on market $74,500 Active 147 DOM
7. 2026-06-13
   days on market $74,500 Active 146 DOM
8. 2026-06-10
   days on market $74,500 Active 144 DOM
9. 2026-06-09
   days on market $74,500 Active 143 DOM
10. 2026-06-08
    days on market $74,500 Active 142 DOM
11. 2026-06-07
    days on market $74,500 Active 141 DOM
12. 2026-06-03
    days on market $74,500 Active 137 DOM
13. 2026-06-02
    days on market $74,500 Active 136 DOM
14. 2026-06-01
    days on market $74,500 Active 135 DOM
15. 2026-05-31
    days on market $74,500 Active 134 DOM
16. 2026-05-30
    days on market $74,500 Active 133 DOM
17. 2026-04-21
    status Active 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

18. 2026-04-18
    status Pending 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

19. 2026-04-14
    status Active 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

20. 2026-04-14
    price $74,500 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

21. 2026-01-06
    status Pending 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

22. 2025-10-29
    price $86,000 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

23. 2025-10-06
    listed $75,000 Active 657-char remark

    Show marketing remark (657 chars)

    Welcome to George St Lilly, Penn Cambria SD! This home offers a large yard, peaceful back deck, off street parking and cozy covered front porch. The exterior has vinyl siding and roof in 2010. Composite decking on front porch and newer gutter system on entire home. The exterior is basically maintenance free. Inside you will find 2 living spaces, kitchen, pantry/mudroom and dining room all on the main level. Upstairs are 4 great sized bedrooms and full bath. The walk up attic is convenient for all your storage needs. The furnace and oil tank were replaced in 2010 to add comfort and peace of mind for your next home. Call to tour today! Priced to sell!

ⓘ 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: $746 · $62/mo
• Projected year-2 tax: $962 · $80/mo
• Expected delta: +$215/yr (+$18/mo · 28.9%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,062
• − Mortgage interest: −$4,173
• − Property taxes: −$746
• − Insurance: −$372
• − Repairs & maintenance: −$1,205
• − Management: −$1,205
• − Depreciation: −$2,167
• Taxable income: $5,193
• Est. tax owed @ 24.0%: −$1,246
• After-tax cash flow: $4,846/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: Penn Cambria SD
• NCES district ID: 4213770
• Math proficiency: 29% ▼ -21.00%
• Reading proficiency: 57% ▼ -12.00%
• Median HH income: $45,952
• Composite: 36.48/100
• National rank: #4657
• State rank: #304 of 539 in PA

Livability — Lilly

• Score: 66/100
• State rank: #1087
• US rank: #12305

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lilly, PA
• Population (ZIP): 2,307

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3%
• Common ancestry: Romanian 22% Lithuanian 2% Polish 1%
• Foreign-born: 0%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.90%
• Current HPI: 101.513
• 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

-0.7% since first listed

7 events — show timeline

• 2026-04-21 Relisted — AHARMLS
• 2026-04-18 Pending — AHARMLS
• 2026-04-14 Relisted — AHARMLS
• 2026-04-14 Price Changed $74,500 AHARMLS
• 2026-01-06 Pending — AHARMLS
• 2025-10-29 Price Changed $86,000 AHARMLS
• 2025-10-06 Listed $75,000 AHARMLS

Property tax history

+1.9%/yr

Latest (2026): $746 · +3.3% YoY. Source: county tax records.