36264 Taylor Ave · Bloomfield, PA 16438

$59,900

2 bd · 1.0 ba · 600 sqft · SingleFamily · 50 Days on market

Built 1964 4,617 sqft lot $100/sqft · 37% below area Est $95k · 37% under ↓ 14% since listing

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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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Looking to create your own cottage retreat near Canadohta Lake? This is your chance! The hard part is done, the cottage is down to the studs and infrastructure redone, making it ideal for a custom build-out exactly how you want it. Whether you're dreaming of a cozy summer escape or an income-generating short-term rental, this location is hard to beat. Make this your own little retreat in a great location away from the hustle and bustle, close to Canadohta Lake, skating rink, putt-putt golf, and other shops. Zoning is resort overlay. Public sewer is available but currently disconnected - reconnection is buyer responsibility. Must be cash or rehab loan, sold as is.

Key facts

• Custom build-out
• 4,617 sq ft lot
• Built 1964

Tags

• CUSTOM BUILD-OUT
• CLOSE TO CANADOHTA LAKE
• ZONING IS RESORT OVERLAY
• PUBLIC SEWER AVAILABLE

Property features AI

Finance

• Other: Lot roughly 0.106 acres (approximate lot dimensions: 40 x 89 x 43 x 105); Zoning: see remarks

Exterior

• Utilities: Water service available
• Home design: Single-family residence; One story
• Construction: Frame construction; Built as a one-story structure
• Exterior features: Asphalt roof; Water available

Interior

• Bedrooms: 5 total rooms (includes bedrooms and living areas)
• Flooring: Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Has heating (details: see remarks)
• Interior features: Ceramic tile flooring; No basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $285 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($816 rent vs $60k).
• Recommended offer: $58k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#847 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Union City Area SD (town): math 34% / reading 51% proficiency, ranked #323 of 539 in PA (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 41 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($58k) 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.

Recommended offer $58,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 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 1964 — 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. 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: 1.36% ✓
• Cap rate: 12.00%
• Cash-on-cash: 20.38%
• DSCR: 1.91
• GRM: 6.1

CMA / ARV

• ARV (median comp): $94,529
• List price: $59,900
• Delta: -36.63%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
36102 Idlewild St	0.38mi	2/1.0	572 (-5%)	8mo	$76,500	$134	68
36036 Ash St	0.43mi	3/1.0 (+1)	635 (+6%)	2mo	$129,900	$205	63
35750 Circuit Dr	0.31mi	2/1.0	655 (+9%)	23mo	$110,000	$168	51
36070 Beechwood Ave	0.31mi	3/1.0 (+1)	548 (-9%)	21mo	$39,500	$72	48

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: 12.6%
• Equity multiple: 1.50×
• Total profit: $8,418
• Equity at exit: $8,931

10-year hold

• IRR: 21.5%
• Equity multiple: 2.83×
• Total profit: $30,609
• Equity at exit: $5,179

Cash invested: $16,772 (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 16438

• Home prices YoY: -9.8%
• Active inventory: 41
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $816 medium
• Mortgage (P&I): −$314
• Tax from tax record: −$21 /mo · $247/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$171
• Net cashflow: $285

Break-even live

Break-even rent $455

Max offer price $59,900

Occupancy floor 60%

Sensitivity live

Price	-10% $319	-5% $302	+0% $285	+5% $268	+10% $251
Rent	-10% $220	-5% $253	+0% $285	+5% $317	+10% $349
Rate	-1.0pp $315	-0.5pp $300	base $285	+0.5pp $269	+1.0pp $254

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $59,900 Active 50 DOM
2. 2026-06-18
   days on market $59,900 Active 48 DOM
3. 2026-06-17
   days on market $59,900 Active 47 DOM
4. 2026-06-16
   days on market $59,900 Active 46 DOM
5. 2026-06-15
   days on market $59,900 Active 45 DOM
6. 2026-06-13
   days on market $59,900 Active 43 DOM
7. 2026-06-12
   days on market $59,900 Active 42 DOM
8. 2026-06-09
   days on market $59,900 Active 39 DOM
9. 2026-06-08
   days on market $59,900 Active 38 DOM
10. 2026-06-08
    days on market $59,900 Active 37 DOM
11. 2026-06-07
    days on market $59,900 Active 36 DOM
12. 2026-06-04
    days on market $59,900 Active 33 DOM
13. 2026-06-02
    days on market $59,900 Active 32 DOM
14. 2026-06-01
    days on market $59,900 Active 31 DOM
15. 2026-05-31
    days on market $59,900 Active 30 DOM
16. 2026-05-01
    listed $59,900 Active 671-char remark
17. 2026-04-02
    status Active
18. 2026-01-01
    status Pending
19. 2025-08-27
    price $59,900
20. 2025-07-26
    listed $69,900 Active

ⓘ 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: $247 · $21/mo
• Projected year-2 tax: $597 · $50/mo
• Expected delta: +$350/yr (+$29/mo · 141.5%)

ⓘ 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 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥91°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,791
• − Mortgage interest: −$3,355
• − Property taxes: −$247
• − Insurance: −$300
• − Repairs & maintenance: −$783
• − Management: −$783
• − Depreciation: −$1,743
• Taxable income: $2,580
• Est. tax owed @ 24.0%: −$619
• After-tax cash flow: $2,800/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: Union City Area SD
• NCES district ID: 4224090
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 51% ▼ -9.00%
• Median HH income: $44,275
• Composite: 35.96/100
• National rank: #4797
• State rank: #323 of 539 in PA

Livability — Bloomfield

• Score: 69/100
• State rank: #847
• US rank: #8881

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Canadohta Lake, PA
• Population (ZIP): 7,489

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Romanian 7% Slovak 3% Iranian 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -23.30%
• Current HPI: 215.3389
• 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

-14.3% since first listed

5 events — show timeline

• 2026-05-01 Listed $59,900 GEBOR
• 2026-04-02 Relisted — GEBOR
• 2026-01-01 Pending — GEBOR
• 2025-08-27 Price Changed $59,900 GEBOR
• 2025-07-26 Listed $69,900 GEBOR

Property tax history

+1.0%/yr

Latest (2025): $247 · -0.1% YoY. Source: county tax records.