210 5th Ave · Burnham, PA 17009

$195,000

3 bd · 1.0 ba · 1,456 sqft · Other public records · 4 Days on market

Built 1940 6,615 sqft lot

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Why this score? — see what drove the C 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 +19.2/30.0
• Appreciation +9.2/10.0
• ARV discount +7.5/15.0
• DSCR +6.0/10.0
• 1% rule +4.6/10.0
• Livability +3.6/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

2 story sculptured block home in Burnham. 3-4 bedrooms, nice oak kitchen, huge screened in porch, finished 3rd floor. 2 car detached garage plus large shed. Home could use some minor cosmetics, such as painting & a few other minor things. Call today. Cash or conventional financing only!

Key facts

• 6,615 sq ft lot
• 2 garage spots
• Built 1940

Property features AI

Finance

• Other: Fee simple ownership; Property described as very good condition; Below-grade area (full basement) present

Exterior

• Parking: Detached garage (2 spaces); On-street parking; Garage with door opener
• Utilities: Public water; Public sewer
• Home design: Detached structure; 45 x 147 lot (estimated)
• Construction: Block construction; Stone foundation; Shingle roof; Double-hung windows
• Exterior features: Porch(es) including screened porch; Outbuilding(s) and shed; Sidewalks

Interior

• Kitchen: Dishwasher; Electric range/oven; Microwave; Refrigerator
• Bedrooms: Three bedrooms on the upper level
• Flooring: Luxury vinyl plank
• Bathrooms: One full bathroom
• Heating & cooling: Hot water baseboard heating (oil-fired); Window air conditioning units
• Interior features: Attic; Tub with shower; Dining area; Pellet stove; Plaster walls; Partially furnished
• Laundry & utility: Washer and dryer; Laundry in basement; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $195k.

Deal economics

• At list price, monthly cash flow is $209 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (4.3% below list).
• Recommended offer: $187k (4.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#634 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Mifflin County SD (town): math 28% / reading 49% proficiency, ranked #380 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 14 active listings in the ZIP; 58 units permitted in Mifflin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $16k appreciation (8.3% local appreciation)).
• Mifflin County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.3% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 18y 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 $147k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 8→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $186,650 (4.3% below list)

Questions for the listing agent

1. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.96% ✗
• Cap rate: 7.58%
• Cash-on-cash: 4.60%
• DSCR: 1.20
• GRM: 8.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.31% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.2%
• Equity multiple: 2.79×
• Total profit: $97,489
• Equity at exit: $152,258

10-year hold

• IRR: 21.8%
• Equity multiple: 6.00×
• Total profit: $273,136
• Equity at exit: $306,238

Cash invested: $54,600 (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 17009

• Home prices YoY: 3.5%
• Active inventory: 14
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,866 medium
• Mortgage (P&I): −$1,023
• Tax from tax record: −$162 /mo · $1,939/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$392
• Net cashflow: $209

Break-even live

Break-even rent $1,602

Max offer price $195,000

Occupancy floor 84%

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-04-14
   status Pending
2. 2026-04-10
   listed $195,000 Active
3. 2022-08-08
   soldstatus $147,000 293-char remark

   Show marketing remark (287 chars)

   2 story sculptured block home in Burnham. 3-4 bedrooms, nice oak kitchen, huge screened in porch, finished 3rd floor. 2 car detached garage plus large shed. Home could use some minor cosmetics such as painting & a few other minor things. Cash or conventional financing. Call today!

4. 2022-08-08
   soldstatus $147,000 287-char remark

   Show marketing remark (287 chars)

   2 story sculptured block home in Burnham. 3-4 bedrooms, nice oak kitchen, huge screened in porch, finished 3rd floor. 2 car detached garage plus large shed. Home could use some minor cosmetics such as painting & a few other minor things. Cash or conventional financing. Call today!

5. 2022-05-18
   listed $149,900 293-char remark

   Show marketing remark (287 chars)

   2 story sculptured block home in Burnham. 3-4 bedrooms, nice oak kitchen, huge screened in porch, finished 3rd floor. 2 car detached garage plus large shed. Home could use some minor cosmetics such as painting & a few other minor things. Cash or conventional financing. Call today!

6. 2022-05-18
   listed $149,900 287-char remark

   Show marketing remark (287 chars)

   2 story sculptured block home in Burnham. 3-4 bedrooms, nice oak kitchen, huge screened in porch, finished 3rd floor. 2 car detached garage plus large shed. Home could use some minor cosmetics such as painting & a few other minor things. Cash or conventional financing. Call today!

7. 2012-12-18
   listed $99,900
8. 2012-12-18
   historical
9. 2010-11-15
   soldstatus $100,000
10. 2010-10-13
    listed $100,000
11. 2010-10-08
    soldstatus $100,000
12. 2008-05-08
    listed $115,000
13. 2008-05-08
    historical
14. 2008-02-05
    listed $115,000
15. 2008-02-05
    historical

ⓘ 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: $1,939 · $162/mo
• Projected year-2 tax: $2,510 · $209/mo
• Expected delta: +$571/yr (+$48/mo · 29.5%)

ⓘ 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 5/10 Major 8 d/yr ≥98°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,398
• − Mortgage interest: −$10,923
• − Property taxes: −$1,939
• − Insurance: −$975
• − Repairs & maintenance: −$1,792
• − Management: −$1,792
• − Depreciation: −$5,673
• Taxable loss: −$695
• Est. tax savings @ 24.0%: +$167
• After-tax cash flow: $2,676/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: Mifflin County SD
• NCES district ID: 4215290
• Math proficiency: 28% ▼ -7.00%
• Reading proficiency: 49% ▼ -9.00%
• Median HH income: $40,718
• Composite: 32.28/100
• National rank: #5755
• State rank: #380 of 539 in PA

Livability — Burnham

• Score: 72/100
• State rank: #634
• US rank: #6172

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Burnham, PA
• City population: 2,804
• Population (ZIP): 1,682

Population outlook (Mifflin County) Hauer SSP2

• Today (2025): 44,611 people
• By 2030: 43,212 · -3.1%
• By 2040: 40,197 · -9.9%
• By 2050: 36,813 · -17.5%
• By 2075: 28,833 · -35.4%
• By 2100: 20,296 · -54.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Black 3%
• Common ancestry: Romanian 5% Iranian 3% Lithuanian 2%
• Foreign-born: 0% · Canada

Political lean MEDSL · Mifflin

• 2024 margin: Solid R (+56.4) · D 21.4% · R 77.9%
• 2008→2024 swing: -22.8pp toward R · 2008: -33.7pp · 2024: -56.4pp
• All cycles: 2024: R+56.4 2020: R+56.1 2016: R+57.5 2012: R+46.8 2008: R+33.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.31%
• Current HPI: 249.4239
• 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

+69.6% since first listed

15 events — show timeline

• 2026-04-14 Pending — BRIGHT MLS
• 2026-04-10 Listed $195,000 BRIGHT MLS
• 2022-08-08 Sold (MLS) $147,000 BRIGHT MLS
• 2022-08-08 Sold (MLS) $147,000 BRIGHT MLS
• 2022-05-18 Listed $149,900 BRIGHT MLS
• 2022-05-18 Listed $149,900 BRIGHT MLS
• 2012-12-18 Listing Removed — BRIGHT MLS
• 2012-12-18 Listed $99,900 BRIGHT MLS
• 2010-11-15 Sold (Public Records) $100,000 Public Records
• 2010-10-13 Listed $100,000 BRIGHT MLS
• 2010-10-08 Sold (MLS) $100,000 BRIGHT MLS
• 2008-05-08 Listing Removed — BRIGHT MLS
• 2008-05-08 Listed $115,000 BRIGHT MLS
• 2008-02-05 Listing Removed — BRIGHT MLS
• 2008-02-05 Listed $115,000 BRIGHT MLS

Property tax history

+0.7%/yr

Latest (2026): $1,939 · +0.0% YoY. Source: county tax records.