521 N Julian St · Ebensburg, PA 15931

$149,900

3 bd · 2.0 ba · 2,524 sqft · SingleFamily · 339 Days on market

Built 1875 6,970 sqft lot $59/sqft · 33% below area Est $225k · 33% under ↓ 21% 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 +25.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.3/10.0
• 1% rule +6.2/10.0
• Livability +4.4/5.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 521 N Julian Street, a stunning 2-story home nestled on a beautiful corner lot in Ebensburg Borough. This remarkable property, while in need of some updates, offers incredible potential to be restored to its former glory. As you step inside, you'll be welcomed by a spacious foyer that leads to a large family room, an inviting dining area, & a cozy living room. The main level also features a full bathroom w/ laundry & an expansive kitchen equipped w/ included appliances. Upstairs, you'll find three generously sized bedrooms, a full bathroom, & a versatile bonus room that can serve various purposes. Both the attic & basement are unfinished, providing ample storage space for your needs. Outside. .. .. ..

Key facts

• Large family room
• Cozy living room
• Full bathroom

Tags

• CORNER LOT
• SPACIOUS FOYER
• LARGE FAMILY ROOM
• INVITING DINING AREA
• COZY LIVING ROOM
• FULL BATHROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $339 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 87/100 on livability (#53 in PA, #310 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, cost of living A+; Watch: commute F.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 38 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 (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 339 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1875 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $131,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 339 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 1875 — 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 A-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: 1.12% ✓
• Cap rate: 9.01%
• Cash-on-cash: 9.70%
• DSCR: 1.43
• GRM: 7.5

CMA / ARV

• ARV (median comp): $225,181
• List price: $149,900
• Delta: -33.43%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
404 E Highland Ave	0.37mi	3/2.5	2,540 (+1%)	8mo	$397,500	$156	73
712 W Sample St	0.33mi	4/2.5 (+1)	2,500 (-1%)	9mo	$299,900	$120	68
208 S Julian St	0.35mi	3/1.5	2,482 (-2%)	13mo	$190,000	$77	68
401 N Center St	0.14mi	4/1.5 (+1)	2,374 (-6%)	19mo	$205,000	$86	61
607 W Ogle St	0.42mi	3/2.0	2,617 (+4%)	21mo	$203,000	$78	57
205 N Marian St	0.22mi	3/2.5	2,161 (-14%)	9mo	$229,900	$106	56
309 W Ogle St	0.38mi	3/2.0	2,200 (-13%)	8mo	$199,900	$91	54
729 W Milton St	0.29mi	3/2.5	2,175 (-14%)	15mo	$345,000	$159	49

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: -1.7%
• Equity multiple: 0.94×
• Total profit: $-2,687
• Equity at exit: $22,351

10-year hold

• IRR: 8.0%
• Equity multiple: 1.61×
• Total profit: $25,455
• Equity at exit: $12,961

Cash invested: $41,972 (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 15931

• Home prices YoY: -29.5%
• Active inventory: 38
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,673 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$134 /mo · $1,603/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $339

Break-even live

Break-even rent $1,243

Max offer price $149,900

Occupancy floor 75%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $149,900 Active 339 DOM
2. 2026-06-17
   days on market $149,900 Active 338 DOM
3. 2026-06-16
   days on market $149,900 Active 337 DOM
4. 2026-06-15
   days on market $149,900 Active 336 DOM
5. 2026-06-13
   days on market $149,900 Active 334 DOM
6. 2026-06-12
   days on market $149,900 Active 333 DOM
7. 2026-06-09
   days on market $149,900 Active 330 DOM
8. 2026-06-08
   days on market $149,900 Active 329 DOM
9. 2026-06-08
   days on market $149,900 Active 328 DOM
10. 2026-06-07
    days on market $149,900 Active 327 DOM
11. 2026-06-04
    days on market $149,900 Active 324 DOM
12. 2026-06-02
    days on market $149,900 Active 323 DOM
13. 2026-06-01
    days on market $149,900 Active 322 DOM
14. 2026-05-31
    days on market $149,900 Active 321 DOM
15. 2025-09-25
    price $149,900 743-char remark

    Show marketing remark (1193 chars)

    Welcome to 521 N Julian Street, a stunning 2-story home nestled on a beautiful corner lot in Ebensburg Borough, directly across from Holy Name! This remarkable property, while in need of some updates, offers incredible potential to be restored to its former glory. As you step inside, you'll be welcomed by a spacious foyer that leads to a large family room, an inviting dining area, & a cozy living room. The main level also features a full bathroom w/ laundry & an expansive kitchen equipped w/ included appliances. Upstairs, you'll find three generously sized bedrooms, a full bathroom, & a versatile bonus room that can serve various purposes. Both the attic & basement are unfinished, providing ample storage space for your needs. Outside, enjoy the charm of covered front & rear porches, a carport w/ off-street parking, & a shed. The property boasts a large yard, making it perfect for outdoor activities & gatherings. Ideally located in the heart of town, this home is just steps away from Holy Name & only minutes from a variety of local activities. Don't miss the opportunity to make this your dream home, call today for more information!

16. 2025-09-25
    price $149,900 1193-char remark

    Show marketing remark (1193 chars)

    Welcome to 521 N Julian Street, a stunning 2-story home nestled on a beautiful corner lot in Ebensburg Borough, directly across from Holy Name! This remarkable property, while in need of some updates, offers incredible potential to be restored to its former glory. As you step inside, you'll be welcomed by a spacious foyer that leads to a large family room, an inviting dining area, & a cozy living room. The main level also features a full bathroom w/ laundry & an expansive kitchen equipped w/ included appliances. Upstairs, you'll find three generously sized bedrooms, a full bathroom, & a versatile bonus room that can serve various purposes. Both the attic & basement are unfinished, providing ample storage space for your needs. Outside, enjoy the charm of covered front & rear porches, a carport w/ off-street parking, & a shed. The property boasts a large yard, making it perfect for outdoor activities & gatherings. Ideally located in the heart of town, this home is just steps away from Holy Name & only minutes from a variety of local activities. Don't miss the opportunity to make this your dream home, call today for more information!

17. 2025-07-14
    listed $159,900 Active 743-char remark

    Show marketing remark (1193 chars)

    Welcome to 521 N Julian Street, a stunning 2-story home nestled on a beautiful corner lot in Ebensburg Borough, directly across from Holy Name! This remarkable property, while in need of some updates, offers incredible potential to be restored to its former glory. As you step inside, you'll be welcomed by a spacious foyer that leads to a large family room, an inviting dining area, & a cozy living room. The main level also features a full bathroom w/ laundry & an expansive kitchen equipped w/ included appliances. Upstairs, you'll find three generously sized bedrooms, a full bathroom, & a versatile bonus room that can serve various purposes. Both the attic & basement are unfinished, providing ample storage space for your needs. Outside, enjoy the charm of covered front & rear porches, a carport w/ off-street parking, & a shed. The property boasts a large yard, making it perfect for outdoor activities & gatherings. Ideally located in the heart of town, this home is just steps away from Holy Name & only minutes from a variety of local activities. Don't miss the opportunity to make this your dream home, call today for more information!

18. 2025-07-14
    listed $159,900 Active 1193-char remark

    Show marketing remark (1193 chars)

    Welcome to 521 N Julian Street, a stunning 2-story home nestled on a beautiful corner lot in Ebensburg Borough, directly across from Holy Name! This remarkable property, while in need of some updates, offers incredible potential to be restored to its former glory. As you step inside, you'll be welcomed by a spacious foyer that leads to a large family room, an inviting dining area, & a cozy living room. The main level also features a full bathroom w/ laundry & an expansive kitchen equipped w/ included appliances. Upstairs, you'll find three generously sized bedrooms, a full bathroom, & a versatile bonus room that can serve various purposes. Both the attic & basement are unfinished, providing ample storage space for your needs. Outside, enjoy the charm of covered front & rear porches, a carport w/ off-street parking, & a shed. The property boasts a large yard, making it perfect for outdoor activities & gatherings. Ideally located in the heart of town, this home is just steps away from Holy Name & only minutes from a variety of local activities. Don't miss the opportunity to make this your dream home, call today for more information!

19. 2025-04-04
    status Active
20. 2025-04-02
    status Pending
21. 2024-07-18
    price $179,900
22. 2024-07-18
    price $179,900
23. 2024-06-13
    listed $189,900 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: $1,603 · $134/mo
• Projected year-2 tax: $1,986 · $165/mo
• Expected delta: +$383/yr (+$32/mo · 23.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 18 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: $20,072
• − Mortgage interest: −$8,397
• − Property taxes: −$1,603
• − Insurance: −$750
• − Repairs & maintenance: −$1,606
• − Management: −$1,606
• − Depreciation: −$4,361
• Taxable income: $1,751
• Est. tax owed @ 24.0%: −$420
• After-tax cash flow: $3,651/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: Central Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Ebensburg

• Score: 87/100
• State rank: #53
• US rank: #310

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ebensburg, PA
• Population (ZIP): 8,852

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% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Lithuanian 2% Scotch-Irish 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1%

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: ▼ -54.99%
• Current HPI: 131.3961
• 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

-21.1% since first listed

9 events — show timeline

• 2025-09-25 Price Changed $149,900 CSMLS
• 2025-09-25 Price Changed $149,900 AHARMLS
• 2025-07-14 Listed $159,900 CSMLS
• 2025-07-14 Listed $159,900 AHARMLS
• 2025-04-04 Relisted — CSMLS
• 2025-04-02 Pending — CSMLS
• 2024-07-18 Price Changed $179,900 CSMLS
• 2024-07-18 Price Changed $179,900 AHARMLS
• 2024-06-13 Listed $189,900 CSMLS

Property tax history

+2.4%/yr

Latest (2026): $1,603 · +2.8% YoY. Source: county tax records.