807 Maple Dr · White Oak, PA 15131

$90,000

2 bd · 1.0 ba · 1,190 sqft · SingleFamily public records · 34 Days on market

Built 1914 4,399 sqft lot $76/sqft · 38% below area Est $144k · 38% 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 +28.3/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• Livability +3.9/5.0
• 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

HSA home warranty on this affordable and adorable 3-bedroom cape cod. Many updates and ample off-street parking. Newer furnace, windows, porch, vinyl tile. Vinyl siding, ceramic bath, walk-in closet, 3 ceiling fans, nicely landscaped rear yard, deco fireplace in LR. Relax on the front porch and enjoy the view.

Key facts

• Covered front porch
• Built-in cabinetry
• Vinyl-sided exterior

Tags

• VINYL-SIDED EXTERIOR
• COVERED FRONT PORCH
• REAR DECK
• ORIGINAL 5-PANEL WOOD DOORS
• BUILT-IN CABINETRY
• DECORATIVE FIREPLACE MANTEL

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Resale property
• Construction: Frame construction; Vinyl siding
• Exterior features: Vinyl siding exterior; Frame construction

Interior

• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Gas heating
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $289 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $87k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.1% vs local median 4.1% in White Oak — 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 77/100 on livability (#339 in PA, #2,982 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: schools D, amenities D-, commute 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: 33 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y 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.
• Current owner paid $20k; list at $90k implies a 356% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1914 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $87,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 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 1914 — 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 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?
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: 1.28% ✓
• Cap rate: 10.15%
• Cash-on-cash: 13.77%
• DSCR: 1.61
• GRM: 6.5

CMA / ARV

• ARV (median comp): $144,498
• List price: $90,000
• Delta: -37.72%
• 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
211 Park Way	0.11mi	2/1.0	1,119 (-6%)	8mo	$85,000	$76	78
3009 State St	0.29mi	3/1.0 (+1)	1,232 (+4%)	1mo	$76,000	$62	75
3113 Quay St	0.27mi	3/1.5 (+1)	1,152 (-3%)	3mo	$110,000	$95	73
124 Carmella Dr	0.52mi	2/1.0	1,196 (+0%)	5mo	$84,000	$70	71
400 Congress St	0.17mi	2/2.0	1,318 (+11%)	9mo	$180,000	$137	63
3072 Auberle St	0.37mi	1/1.5 (-1)	1,080 (-9%)	2mo	$18,500	$17	59
3012 Cronemeyer St	0.50mi	2/2.0	1,120 (-6%)	9mo	$23,000	$21	56
473 Mccully St	0.72mi	3/1.5 (+1)	1,260 (+6%)	3mo	$206,000	$163	47
3830 Anderson Ave	0.64mi	2/1.0	1,331 (+12%)	9mo	$45,000	$34	43
3806 Sarah St	0.74mi	3/1.0 (+1)	1,324 (+11%)	0mo	$129,900	$98	42
3247 Turner St	0.40mi	3/2.5 (+1)	1,014 (-15%)	7mo	$127,000	$125	40
3601 Foster Rd	0.66mi	2/2.0	1,353 (+14%)	9mo	$265,000	$196	35

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: 4.0%
• Equity multiple: 1.15×
• Total profit: $3,857
• Equity at exit: $13,419

10-year hold

• IRR: 13.5%
• Equity multiple: 2.08×
• Total profit: $27,155
• Equity at exit: $7,782

Cash invested: $25,200 (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 15131

• Home prices YoY: -18.6%
• Active inventory: 33
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,156 high
• Mortgage (P&I): −$472
• Tax from tax record: −$115 /mo · $1,376/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$243
• Net cashflow: $289

Break-even live

Break-even rent $790

Max offer price $90,000

Occupancy floor 70%

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1108 Prescott St White Oak, PA	2.0	1.0	945	$1,200	$1.27	12d	1	0.64mi
1735 Ohio Ave Unit 6 White Oak, PA	3.0	1.0	1034	$1,200	$1.16	44d	1	1.01mi
1827 California Ave Apt 2 Front Second Floor White Oak, PA	1.0	1.0	750	$900	$1.20	14d	1	1.12mi
1114-1116 Ohio St Unit 2R McKeesport, PA	2.0	1.0	878	$850	$0.97	16d	1	1.16mi
3710 Mayfair St McKeesport, PA	3.0	1.5	1314	$1,095	$0.83	3d	1	1.27mi
3506 Mayfair St Unit B McKeesport, PA	2.0	1.0	948	$1,200	$1.27	44d	1	1.37mi
1506 Freemont St McKeesport, PA	3.0	2.0	1250	$1,295	$1.04	24d	1	1.39mi
200 Delaware Ave North Versailles, PA	3.0	1.5	1470	$1,450	$0.99	15d	1	1.44mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	1.46mi

Listing history 17 events

1. 2026-06-18
   days on market $90,000 Active 34 DOM
2. 2026-06-17
   days on market $90,000 Active 33 DOM
3. 2026-06-16
   days on market $90,000 Active 32 DOM
4. 2026-06-15
   days on market $90,000 Active 31 DOM
5. 2026-06-13
   days on market $90,000 Active 29 DOM
6. 2026-06-13
   days on market $90,000 Active 28 DOM
7. 2026-06-09
   days on market $90,000 Active 25 DOM
8. 2026-06-08
   days on market $90,000 Active 24 DOM
9. 2026-06-07
   days on market $90,000 Active 23 DOM
10. 2026-06-03
    days on market $90,000 Active 19 DOM
11. 2026-06-02
    days on market $90,000 Active 18 DOM
12. 2026-06-01
    days on market $90,000 Active 17 DOM
13. 2026-05-31
    days on market $90,000 Active 16 DOM
14. 2026-05-15
    listed $90,000 Active 675-char remark
15. 2014-02-21
    soldstatus $19,717
16. 2012-05-30
    listed $35,000 311-char remark

    Show marketing remark (311 chars)

    HSA home warranty on this affordable and adorable 3-bedroom cape cod. Many updates and ample off-street parking. Newer furnace, windows, porch, vinyl tile. Vinyl siding, ceramic bath, walk-in closet, 3 ceiling fans, nicely landscaped rear yard, deco fireplace in LR. Relax on the front porch and enjoy the view.

17. 1989-08-08
    soldstatus $13,000

ⓘ 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: $1,376 · $115/mo
• Projected year-2 tax: $1,399 · $117/mo
• Expected delta: +$23/yr (+$2/mo · 1.7%)

ⓘ 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 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 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,873
• − Mortgage interest: −$5,041
• − Property taxes: −$1,376
• − Insurance: −$450
• − Repairs & maintenance: −$1,110
• − Management: −$1,110
• − Depreciation: −$2,618
• Taxable income: $2,169
• Est. tax owed @ 24.0%: −$520
• After-tax cash flow: $2,950/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 — White Oak

• Score: 77/100
• State rank: #339
• US rank: #2982

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: White Oak, PA
• City population: 8,451
• Population (ZIP): 8,451

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: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 12% Scotch-Irish 5% Slovak 3%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Other Indo-European 1% Spanish 1%

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: ▼ -53.53%
• Current HPI: 233.6591
• 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

+592.3% since first listed

4 events — show timeline

• 2026-05-15 Listed $90,000 West Penn MLS
• 2014-02-21 Sold (Public Records) $19,717 Public Records
• 2012-05-30 Listed $35,000 West Penn MLS
• 1989-08-08 Sold (Public Records) $13,000 Public Records

Property tax history

+3.4%/yr

Latest (2026): $1,376 · +0.0% YoY. Source: county tax records.