205 Linden Ave · Sharpsburg, PA 15215

$139,000

4 bd · 2.0 ba · 1,836 sqft · SingleFamily public records · 4 Days on market

Built 1910 2,617 sqft lot Est $272k · 49% 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
• Schools +6.9/10.0
• Livability +4.0/5.0
• Rent growth +3.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

UPDATED & WELL MAINT- AINED, LARGE RMS, NEW KIT & NEWER FURNACE & WATER HEATER ROOF - 9 YRS, FENCED IN BACKYD

Key facts

• Hardwood floors
• Detached garage
• 2,617 sq ft lot

Tags

• PROFESSIONALLY REMEDIATED
• CLEAN SLATE FOR RENOVATION
• DETACHED GARAGE
• HARDWOOD FLOORS
• MINUTES FROM LOCAL RESTAURANTS
• MINUTES FROM BREWERIES

Property features AI

Exterior

• Parking: Detached garage; Garage with door opener; On-street parking; 2 total parking spaces
• Utilities: Public water; Public sewer
• Home design: 3 stories; Resale property; Asphalt roof; Frame construction
• Construction: Frame construction; Asphalt roof
• Exterior features: Public transportation nearby

Interior

• Kitchen: Kitchen (main level, 17 x 11)
• Bedrooms: Upper-level bedroom (12 x 6); Upper-level bedroom (11 x 11); Upper-level bedroom (16 x 11); Upper-level bedroom (16 x 12)
• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating (gas); Central air conditioning
• Interior features: Interior entry basement; Unfinished basement; 8 total rooms
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $776 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $139k).
• Cap rate 13.5% vs local median 9.0% in Sharpsburg — 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 79/100 on livability (#248 in PA, #2,145 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities D, employment D-.
• Fox Chapel Area SD (suburban): math 73% / reading 85% proficiency, ranked #7 of 539 in PA (top 1%) — strong family-tenant draw, lease renewals of 3-5y typical; only 16% free/reduced lunch — higher-income household profile.
• Zoned schools: Dorseyville Ms (math 59% / reading 82%, grade A, #11 of 512 statewide, top 2%, 967 students, 24% FRL); Fox Chapel Area Hs (math 87%, 1,283 students, 25% FRL).
• Market conditions: Rents rising fast (+5.2%/yr); 56 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $961 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 5.2% rent growth), your $39k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 30y 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 $62k; list at $139k implies a 124% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 8→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $139,000

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.69% ✓
• Cap rate: 13.47%
• Cash-on-cash: 25.64%
• DSCR: 2.14
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $271,728
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
16 4th St	0.27mi	3/1.5 (-1)	1,824 (-1%)	6mo	$215,000	$118	74
229 Clifton Ave	0.20mi	3/1.5 (-1)	1,725 (-6%)	3mo	$209,000	$121	71
1636 Trinity St	0.60mi	3/2.5 (-1)	1,873 (+2%)	1mo	$501,636	$268	61
29 Kittanning Pike	0.42mi	3/1.5 (-1)	1,934 (+5%)	8mo	$205,000	$106	58
1218 Penn St	0.14mi	3/1.5 (-1)	2,082 (+13%)	8mo	$128,000	$61	58
66 Cherry St	0.63mi	3/2.0 (-1)	1,952 (+6%)	2mo	$325,000	$166	54
713 Edgewood Ave	0.35mi	3/2.5 (-1)	2,020 (+10%)	10mo	$710,000	$351	52
1860 Jancey St	0.68mi	4/2.0	1,948 (+6%)	10mo	$289,000	$148	50
7218 Witherspoon St	0.75mi	3/2.5 (-1)	1,809 (-2%)	7mo	$353,000	$195	50
1736 Cecil St	0.53mi	3/1.0 (-1)	1,673 (-9%)	4mo	$90,000	$54	48
1877 Chapman St	0.74mi	3/2.0 (-1)	1,584 (-14%)	2mo	$127,000	$80	36
7206 Witherspoon St	0.73mi	3/2.0 (-1)	1,595 (-13%)	9mo	$330,000	$207	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 · 5.24% rent growth · sell at horizon

5-year hold

• IRR: 19.9%
• Equity multiple: 1.83×
• Total profit: $32,416
• Equity at exit: $20,725

10-year hold

• IRR: 29.7%
• Equity multiple: 3.97×
• Total profit: $115,518
• Equity at exit: $12,018

Cash invested: $38,920 (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 15215

• Rents YoY: 5.2%
• Active inventory: 56
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $2,344 high
• Mortgage (P&I): −$729
• Tax from tax record: −$234 /mo · $2,803/yr
• Insurance: −$58
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$492
• Net cashflow: $776

Break-even live

Break-even rent $1,362

Max offer price $139,000

Occupancy floor 62%

Sensitivity live

Price	-10% $855	-5% $815	+0% $776	+5% $737	+10% $697
Rent	-10% $591	-5% $684	+0% $776	+5% $869	+10% $961
Rate	-1.0pp $846	-0.5pp $811	base $776	+0.5pp $740	+1.0pp $703

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
212 8th St Sharpsburg, PA	4.0	2.0	2240	$2,100	$0.94	19d	1	0.13mi
6026 Sawyer St Unit NA Pittsburgh, PA	3.0	2.0	2231	$2,500	$1.12	20d	1	0.80mi
160 56th St Pittsburgh, PA	3.0	3.0	1737	$3,900	$2.25	20d	1	1.13mi
5700 Bunkerhill St Pittsburgh, PA	1.0–3.0	1.0–2.0	1258	$3,236	$2.57	3d	17	1.27mi
404 Reetz St Pittsburgh, PA	4.0	1.0	1500	$2,050	$1.37	18d	1	1.50mi

Listing history 6 events

1. 2026-06-19
   status $139,000 Pending 4 DOM
2. 2026-06-18
   days on market $139,000 Active 4 DOM
3. 2026-06-17
   days on market $139,000 Active 3 DOM
4. 2026-06-16
   days on market $139,000 Active 2 DOM
5. 2026-06-15
   remarks 695-char remark
6. 2026-06-15
   listed $139,000 Active 1 DOM

ⓘ 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: $2,803 · $234/mo
• Projected year-2 tax: $2,803 · $234/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 10/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥98°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,133
• − Mortgage interest: −$7,786
• − Property taxes: −$2,803
• − Insurance: −$1,362
• − Repairs & maintenance: −$2,251
• − Management: −$2,251
• − Depreciation: −$4,044
• Taxable income: $7,638
• Est. tax owed @ 24.0%: −$1,833
• After-tax cash flow: $7,481/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: Fox Chapel Area SD
• NCES district ID: 4210070
• Math proficiency: 73% ▼ -5.00%
• Reading proficiency: 85% ▼ -2.00%
• Median HH income: $73,326
• Composite: 69.02/100
• National rank: #324
• State rank: #7 of 539 in PA

Livability — Sharpsburg

• Score: 79/100
• State rank: #248
• US rank: #2145

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sharpsburg, PA
• County: Allegheny County · 1,022,028 people
• Metro: Pittsburgh, PA
• Population (ZIP): 11,907
• Household income: $99,071
• Rent vs Own: 26.7% rent · 73.3% own
• Severe rent burden: 311.0

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: Predominantly White (86%)
• Race & ethnicity: White 86% Asian 5% Two or more races 4% Black 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Lithuanian 3% Scotch-Irish 2%
• Foreign-born: 7% · China, South Korea, Canada
• Languages at home: 91% English-only · Spanish 2% Chinese 2% Other Indo-European 2%

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: ▼ -171.68%
• Current HPI: 284.7359
• Rent YoY: ▲ 5.24%
• 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

+297.1% since first listed

5 events — show timeline

• 2026-06-14 Listed $139,000 West Penn MLS
• 1997-02-18 Sold (Public Records) $62,000 Public Records
• 1997-02-14 Sold (MLS) $62,000 West Penn MLS
• 1996-07-23 Listed $68,900 West Penn MLS
• 1987-12-30 Sold (Public Records) $35,000 Public Records

Property tax history

+1.5%/yr

Latest (2026): $2,803 · +1.3% YoY. Source: county tax records.