175 Orlando St · Johnstown, PA 15905

$107,500

3 bd · 1.0 ba · 2,112 sqft · SingleFamily · 48 Days on market

4,269 sqft lot $51/sqft · at area comps Est $108k · at est.

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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 +25.1/30.0
• DSCR +8.2/10.0
• ARV discount +7.7/15.0
• 1% rule +7.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

CITY OF JOHNSTOWN'S 8TH WARD. .. .this 3 bedroom brick and vinyl-sided home is ready for its new owner. The charm of the home is conveyed both inside and out. The inviting front porch leads into the foyer with open staircase and guest closet. The spacious living room includes wood burning fireplace, built-ins, and WW carpet. The formal dining room will impress with its built-in corner hutch. To complete the main floor are the kitchen with ample oak cabinets and the unheated sunroom with lots of natural light. Upstairs are 3 generous-sized bedrooms with closet/storage. Walk-up attic includes 2 finished rooms that could be used as storage or additional living space. The unfinished basement has laundry hook-ups, commode, and storage. Gas hot water heat, 100 amp electrical, covered front porch, newer windows, 2-car garage with loft area, and paved drive. Conveniently located to recreational/entertainment venues, hospital/medical facilities, restaurants, shopping, and transportation. Don't miss this must see home - call today for more details, to receive your tour packet, and to schedule your personal tour!

Key facts

• Ample oak cabinets
• Front porch
• Unheated sunroom

Tags

• FRONT PORCH
• WOOD BURNING FIREPLACE
• BUILT-IN CORNER HUTCH
• AMPLE OAK CABINETS
• UNHEATED SUNROOM
• WALK-UP ATTIC

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $108k.

Deal economics

• At list price, monthly cash flow is $238 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $108k).
• Recommended offer: $104k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 15.0% in Johnstown — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 92 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $743 of loan paydown is wiped out by about $3k 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 48 days — a 3% lower offer ($104k) is reasonable based on typical stale-listing flexibility.
• 2 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.
• Current owner paid $40k; list at $108k implies a 169% gain — meaningful room to come down on a strong offer.

Recommended offer $104,275 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. Crime grade is F 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?
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: 1.20% ✓
• Cap rate: 8.95%
• Cash-on-cash: 9.50%
• DSCR: 1.42
• GRM: 7.0

CMA / ARV

• ARV (median comp): $107,920
• List price: $107,500
• Delta: -0.39%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
196 Orlando	0.05mi	3/1.5	1,980 (-6%)	6mo	$115,000	$58	80
156 Tillman Ave	0.27mi	3/2.0	1,928 (-9%)	7mo	$90,000	$47	63
115 Plainfield Ave	0.19mi	3/1.0	1,801 (-15%)	7mo	$122,000	$68	61
94 Donna Dr	0.23mi	3/2.0	1,892 (-10%)	10mo	$119,900	$63	60
558 Margaret Ave	0.52mi	3/2.0	1,924 (-9%)	3mo	$185,000	$96	54
705 Cypress Ave	0.67mi	4/1.5 (+1)	1,930 (-9%)	0mo	$114,900	$60	47
426 Bantel St	0.60mi	3/1.0	2,272 (+8%)	21mo	$146,130	$64	42
736-738 / 185 Grove Avenue / Charles St	0.63mi	4/2.0 (+1)	1,872 (-11%)	6mo	$25,000	$13	38

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: -1.9%
• Equity multiple: 0.93×
• Total profit: $-2,194
• Equity at exit: $16,029

10-year hold

• IRR: 7.8%
• Equity multiple: 1.59×
• Total profit: $17,812
• Equity at exit: $9,295

Cash invested: $30,100 (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 15905

• Home prices YoY: -31.1%
• Active inventory: 92
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,289 medium
• Mortgage (P&I): −$564
• Tax from tax record: −$171 /mo · $2,056/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $238

Break-even live

Break-even rent $987

Max offer price $107,500

Occupancy floor 76%

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: $26,875
• Closing costs: $3,225
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
704 Cypress Ave Unit 706 Johnstown, PA	3.0	1.0	2496	$950	$0.38	43d	1	0.69mi
108 Dell St Johnstown, PA	3.0	2.0	2250	$1,749	$0.78	14d	1	1.33mi
108 Dell St Johnstown, PA	3.0	2.0	2250	$1,749	$0.78	7d	1	1.33mi

Listing history 5 events

1. 2026-05-08
   price $107,500 1119-char remark

   Show marketing remark (1119 chars)

   CITY OF JOHNSTOWN'S 8TH WARD. .. .this 3 bedroom brick and vinyl-sided home is ready for its new owner. The charm of the home is conveyed both inside and out. The inviting front porch leads into the foyer with open staircase and guest closet. The spacious living room includes wood burning fireplace, built-ins, and WW carpet. The formal dining room will impress with its built-in corner hutch. To complete the main floor are the kitchen with ample oak cabinets and the unheated sunroom with lots of natural light. Upstairs are 3 generous-sized bedrooms with closet/storage. Walk-up attic includes 2 finished rooms that could be used as storage or additional living space. The unfinished basement has laundry hook-ups, commode, and storage. Gas hot water heat, 100 amp electrical, covered front porch, newer windows, 2-car garage with loft area, and paved drive. Conveniently located to recreational/entertainment venues, hospital/medical facilities, restaurants, shopping, and transportation. Don't miss this must see home - call today for more details, to receive your tour packet, and to schedule your personal tour!

2. 2026-04-10
   status Active 1119-char remark

   Show marketing remark (1119 chars)

   CITY OF JOHNSTOWN'S 8TH WARD. .. .this 3 bedroom brick and vinyl-sided home is ready for its new owner. The charm of the home is conveyed both inside and out. The inviting front porch leads into the foyer with open staircase and guest closet. The spacious living room includes wood burning fireplace, built-ins, and WW carpet. The formal dining room will impress with its built-in corner hutch. To complete the main floor are the kitchen with ample oak cabinets and the unheated sunroom with lots of natural light. Upstairs are 3 generous-sized bedrooms with closet/storage. Walk-up attic includes 2 finished rooms that could be used as storage or additional living space. The unfinished basement has laundry hook-ups, commode, and storage. Gas hot water heat, 100 amp electrical, covered front porch, newer windows, 2-car garage with loft area, and paved drive. Conveniently located to recreational/entertainment venues, hospital/medical facilities, restaurants, shopping, and transportation. Don't miss this must see home - call today for more details, to receive your tour packet, and to schedule your personal tour!

3. 2026-04-03
   status Pending 1119-char remark

   Show marketing remark (1119 chars)

   CITY OF JOHNSTOWN'S 8TH WARD. .. .this 3 bedroom brick and vinyl-sided home is ready for its new owner. The charm of the home is conveyed both inside and out. The inviting front porch leads into the foyer with open staircase and guest closet. The spacious living room includes wood burning fireplace, built-ins, and WW carpet. The formal dining room will impress with its built-in corner hutch. To complete the main floor are the kitchen with ample oak cabinets and the unheated sunroom with lots of natural light. Upstairs are 3 generous-sized bedrooms with closet/storage. Walk-up attic includes 2 finished rooms that could be used as storage or additional living space. The unfinished basement has laundry hook-ups, commode, and storage. Gas hot water heat, 100 amp electrical, covered front porch, newer windows, 2-car garage with loft area, and paved drive. Conveniently located to recreational/entertainment venues, hospital/medical facilities, restaurants, shopping, and transportation. Don't miss this must see home - call today for more details, to receive your tour packet, and to schedule your personal tour!

4. 2026-03-27
   listed $109,900 Active 1119-char remark

   Show marketing remark (1119 chars)

   CITY OF JOHNSTOWN'S 8TH WARD. .. .this 3 bedroom brick and vinyl-sided home is ready for its new owner. The charm of the home is conveyed both inside and out. The inviting front porch leads into the foyer with open staircase and guest closet. The spacious living room includes wood burning fireplace, built-ins, and WW carpet. The formal dining room will impress with its built-in corner hutch. To complete the main floor are the kitchen with ample oak cabinets and the unheated sunroom with lots of natural light. Upstairs are 3 generous-sized bedrooms with closet/storage. Walk-up attic includes 2 finished rooms that could be used as storage or additional living space. The unfinished basement has laundry hook-ups, commode, and storage. Gas hot water heat, 100 amp electrical, covered front porch, newer windows, 2-car garage with loft area, and paved drive. Conveniently located to recreational/entertainment venues, hospital/medical facilities, restaurants, shopping, and transportation. Don't miss this must see home - call today for more details, to receive your tour packet, and to schedule your personal tour!

5. 1979-08-01
   soldstatus $40,000

ⓘ 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: $2,056 · $171/mo
• Projected year-2 tax: $2,056 · $171/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 3/10 Moderate 7 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,467
• − Mortgage interest: −$6,022
• − Property taxes: −$2,056
• − Insurance: −$538
• − Repairs & maintenance: −$1,237
• − Management: −$1,237
• − Depreciation: −$3,127
• Taxable income: $1,250
• Est. tax owed @ 24.0%: −$300
• After-tax cash flow: $2,561/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Johnstown, PA
• County: Cambria County · 30,791 people
• City population: 30,791
• Metro: Johnstown, PA
• Population (ZIP): 19,329
• Household income: $69,212
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 359.0

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 (92%)
• Race & ethnicity: White 92% Two or more races 3% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 7% Scotch-Irish 1% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% 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: ▼ -64.18%
• Current HPI: 142.5218
• Rent YoY: —
• Metro: Johnstown, 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

+168.8% since first listed

5 events — show timeline

• 2026-05-08 Price Changed $107,500 CSMLS
• 2026-04-10 Relisted — CSMLS
• 2026-04-03 Pending — CSMLS
• 2026-03-27 Listed $109,900 CSMLS
• 1979-08-01 Sold (Public Records) $40,000 Public Records

Property tax history

+0.2%/yr

Latest (2026): $2,056 · +0.0% YoY. Source: county tax records.