414 Mifflin St · West Mifflin, PA 15122

$140,000

3 bd · 1.0 ba · 1,584 sqft · SingleFamily public records · 39 Days on market

Built 1929 4,791 sqft lot $88/sqft · 6% below area Est $149k · 6% under

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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 +17.7/30.0
• ARV discount +10.3/15.0
• 1% rule +6.0/10.0
• DSCR +5.5/10.0
• Livability +3.7/5.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Completely Remodeled - Everything New - brand new appliances, kitchen, bathroom, plumbing, electric, high efficiencey furnace, AC, Water Heater, Carpeting, Tile, Brand new roof, windows, brick was newly repointed, Bright House - Great Street - Move in ready!! Lockbox is on backdoor

Key facts

• Unfinished basement
• Updated kitchen
• Expansive backyard

Tags

• UPDATED KITCHEN
• UNFINISHED BASEMENT
• EXPANSIVE BACKYARD
• OFF-STREET PARKING
• MINUTES FROM KENNYWOOD

Property features AI

Exterior

• Parking: Off-street parking for 2 vehicles
• Utilities: Public water; Public sewer
• Home design: 2-story brick home; Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Lot dimensions 31 x 161 x 33 x 152

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Refrigerator; Stove; Some electric appliances
• Bedrooms: Bedroom 2 (Upper); Bedroom 3 (Upper)
• Flooring: Carpet; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (gas); Wall/window cooling units
• Interior features: Interior entry basement; Unfinished basement
• Laundry & utility: Laundry room (Basement)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $114 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $136k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 5.2% in West Mifflin — 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 73/100 on livability (#539 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, schools B+; Watch: health & safety D, crime D-, amenities F.
• West Mifflin Area SD (suburban): math 19% / reading 41% proficiency, ranked #443 of 539 in PA (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 60 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 $968 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 17y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $92k; list at $140k implies a 52% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price; built in 1929 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,800 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 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 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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.
8. 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.
9. 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: 1.10% ✓
• Cap rate: 7.27%
• Cash-on-cash: 3.48%
• DSCR: 1.15
• GRM: 7.6

CMA / ARV

• ARV (median comp): $149,314
• List price: $140,000
• Delta: -6.24%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1606 Maryland Ave	0.18mi	3/2.0	1,555 (-2%)	3mo	$167,500	$108	82
404 Carnegie St	0.10mi	3/1.5	1,408 (-11%)	15mo	$165,000	$117	62
1739 Maine Ave	0.46mi	3/2.5	1,600 (+1%)	12mo	$212,500	$133	61
118 Doney St	0.48mi	2/1.0 (-1)	1,488 (-6%)	7mo	$35,000	$24	57
2154 Vermont Ave	0.72mi	3/1.5	1,628 (+3%)	4mo	$180,000	$111	56
439 Ford St	0.08mi	4/2.5 (+1)	1,375 (-13%)	10mo	$152,000	$111	55
921 Chestnut St	0.53mi	2/1.0 (-1)	1,494 (-6%)	12mo	$47,000	$31	51
1700 Vermont Ave	0.35mi	2/2.0 (-1)	1,411 (-11%)	12mo	$173,000	$123	46
1731 Highland Ave	0.36mi	2/1.0 (-1)	1,364 (-14%)	14mo	$175,000	$128	43
111 Auriles St	0.67mi	4/2.0 (+1)	1,748 (+10%)	1mo	$87,500	$50	41
1804 Iowa Ave	0.57mi	3/2.5	1,806 (+14%)	5mo	$210,000	$116	40
2129 Vermont Ave	0.67mi	3/2.0	1,792 (+13%)	7mo	$215,000	$120	37

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: -10.8%
• Equity multiple: 0.61×
• Total profit: $-15,351
• Equity at exit: $20,874

10-year hold

• IRR: -1.3%
• Equity multiple: 0.91×
• Total profit: $-3,631
• Equity at exit: $12,105

Cash invested: $39,200 (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 15122

• Home prices YoY: -30.4%
• Active inventory: 60
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,536 high
• Mortgage (P&I): −$734
• Tax from tax record: −$307 /mo · $3,689/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $114

Break-even live

Break-even rent $1,392

Max offer price $140,000

Occupancy floor 88%

Sensitivity live

Price	-10% $193	-5% $153	+0% $114	+5% $74	+10% $34
Rent	-10% $-8	-5% $53	+0% $114	+5% $174	+10% $235
Rate	-1.0pp $184	-0.5pp $149	base $114	+0.5pp $77	+1.0pp $40

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	44d	1	0.07mi
827 Hinnerman St Duquesne, PA	3.0	1.0	1136	$1,250	$1.10	24d	1	0.27mi
1744 Highland Ave West Mifflin, PA	2.0	1.0	1100	$1,549	$1.41	5d	1	0.40mi
201 S 4th St Duquesne, PA	3.0	1.0	1200	$1,385	$1.15	44d	1	0.70mi
19 S 6th St Duquesne, PA	3.0	1.0	2100	$1,675	$0.80	24d	1	0.75mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	15d	1	0.85mi
1704 Anna Ave West Mifflin, PA	2.0	1.5	1160	$1,395	$1.20	24d	1	0.85mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	13d	3	0.85mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	44d	1	0.92mi
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	15d	1	1.03mi
715 Grant Avenue Ext West Mifflin, PA	3.0	2.0	1400	$1,450	$1.04	8d	1	1.08mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	44d	1	1.18mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	24d	1	1.39mi
1506 Freemont St McKeesport, PA	3.0	2.0	1250	$1,295	$1.04	24d	1	1.40mi
800 Richford St Duquesne, PA	3.0	1.0	1300	$1,600	$1.23	24d	1	1.42mi

Listing history 25 events

1. 2026-06-21
   days on market $140,000 Active 39 DOM
2. 2026-06-18
   days on market $140,000 Active 36 DOM
3. 2026-06-17
   days on market $140,000 Active 35 DOM
4. 2026-06-16
   pricedays on market $140,000 Active 34 DOM
5. 2026-06-15
   days on market $150,000 Active 33 DOM
6. 2026-06-13
   days on market $150,000 Active 31 DOM
7. 2026-06-09
   days on market $150,000 Active 27 DOM
8. 2026-06-08
   days on market $150,000 Active 26 DOM
9. 2026-06-07
   statusdays on market $150,000 Active 25 DOM
10. 2026-06-03
    days on market $150,000 Contingent 21 DOM
11. 2026-06-02
    days on market $150,000 Contingent 20 DOM
12. 2026-06-01
    days on market $150,000 Contingent 19 DOM
13. 2026-05-31
    days on market $150,000 Contingent 18 DOM
14. 2026-05-13
    listed $150,000 Active 601-char remark
15. 2010-06-11
    soldstatus $92,000
16. 2010-06-07
    soldstatus $92,000 282-char remark

    Show marketing remark (282 chars)

    Completely Remodeled - Everything New - brand new appliances, kitchen, bathroom, plumbing, electric, high efficiencey furnace, AC, Water Heater, Carpeting, Tile, Brand new roof, windows, brick was newly repointed, Bright House - Great Street - Move in ready!! Lockbox is on backdoor

17. 2010-06-07
    price $94,900 282-char remark

    Show marketing remark (282 chars)

    Completely Remodeled - Everything New - brand new appliances, kitchen, bathroom, plumbing, electric, high efficiencey furnace, AC, Water Heater, Carpeting, Tile, Brand new roof, windows, brick was newly repointed, Bright House - Great Street - Move in ready!! Lockbox is on backdoor

18. 2009-11-19
    listed $92,000 282-char remark

    Show marketing remark (282 chars)

    Completely Remodeled - Everything New - brand new appliances, kitchen, bathroom, plumbing, electric, high efficiencey furnace, AC, Water Heater, Carpeting, Tile, Brand new roof, windows, brick was newly repointed, Bright House - Great Street - Move in ready!! Lockbox is on backdoor

19. 2009-05-29
    price $19,900

    Show marketing remark (302 chars)

    Needs a total renovation but the numbers work to make $. Great comps on this street. Huge back yard, vaulted bath ceiling, big master, large eat in kitchen. Solid structure Wiring done, many new windows. All room sizes & lot size listed are approx. Call agent for lockbox code. Agent is coowner.

20. 2009-05-29
    soldstatus $17,000

    Show marketing remark (302 chars)

    Needs a total renovation but the numbers work to make $. Great comps on this street. Huge back yard, vaulted bath ceiling, big master, large eat in kitchen. Solid structure Wiring done, many new windows. All room sizes & lot size listed are approx. Call agent for lockbox code. Agent is coowner.

21. 2009-05-29
    soldstatus $17,000

    Show marketing remark (302 chars)

    Needs a total renovation but the numbers work to make $. Great comps on this street. Huge back yard, vaulted bath ceiling, big master, large eat in kitchen. Solid structure Wiring done, many new windows. All room sizes & lot size listed are approx. Call agent for lockbox code. Agent is coowner.

22. 2009-05-13
    listed $17,000

    Show marketing remark (302 chars)

    Needs a total renovation but the numbers work to make $. Great comps on this street. Huge back yard, vaulted bath ceiling, big master, large eat in kitchen. Solid structure Wiring done, many new windows. All room sizes & lot size listed are approx. Call agent for lockbox code. Agent is coowner.

23. 1994-02-25
    soldstatus $40,000
24. 1991-11-12
    soldstatus $48,299
25. 1991-09-13
    soldstatus $20,500

ⓘ 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: $3,689 · $307/mo
• Projected year-2 tax: $3,689 · $307/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 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
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,432
• − Mortgage interest: −$7,842
• − Property taxes: −$3,689
• − Insurance: −$700
• − Repairs & maintenance: −$1,475
• − Management: −$1,475
• − Depreciation: −$4,073
• Taxable loss: −$821
• Est. tax savings @ 24.0%: +$197
• After-tax cash flow: $1,559/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: West Mifflin Area SD
• NCES district ID: 4225680
• Math proficiency: 19% ▼ -19.00%
• Reading proficiency: 41% ▼ -14.00%
• Median HH income: $46,532
• Composite: 25.78/100
• National rank: #7371
• State rank: #443 of 539 in PA

Livability — West Mifflin

• Score: 73/100
• State rank: #539
• US rank: #5042

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Mifflin, PA
• County: Allegheny County · 1,022,028 people
• City population: 18,816
• Metro: Pittsburgh, PA
• Population (ZIP): 18,816
• Household income: $72,485
• Rent vs Own: 21.6% rent · 78.4% own
• Severe rent burden: 334.0

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 (81%)
• Race & ethnicity: White 81% Black 9% Two or more races 7% Hispanic / Latino 2% Asian 1%
• Common ancestry: Romanian 9% Slovak 1% Scotch-Irish 1%
• Foreign-born: 1% · South Korea
• Languages at home: 93% English-only · Spanish 4% Other Indo-European 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: ▼ -107.69%
• Current HPI: 246.2486
• Rent YoY: —
• 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

+582.9% since first listed

15 events — show timeline

• 2026-06-16 Price Changed $140,000 West Penn MLS
• 2026-06-04 Relisted — West Penn MLS
• 2026-05-21 Contingent — West Penn MLS
• 2026-05-13 Listed $150,000 West Penn MLS
• 2010-06-11 Sold (Public Records) $92,000 Public Records
• 2010-06-07 Sold (MLS) $92,000 West Penn MLS
• 2010-06-07 Price Changed $94,900 West Penn MLS
• 2009-11-19 Listed $92,000 West Penn MLS
• 2009-05-29 Sold (Public Records) $17,000 Public Records
• 2009-05-29 Sold (MLS) $17,000 West Penn MLS
• 2009-05-29 Price Changed $19,900 West Penn MLS
• 2009-05-13 Listed $17,000 West Penn MLS
• 1994-02-25 Sold (Public Records) $40,000 Public Records
• 1991-11-12 Sold (Public Records) $48,299 Public Records
• 1991-09-13 Sold (Public Records) $20,500 Public Records

Property tax history

+3.4%/yr

Latest (2026): $3,689 · +4.1% YoY. Source: county tax records.