139 Highland Ave · Claysville, PA 15323

$14,900

3 bd · 1.0 ba · 1,196 sqft · SingleFamily public records · 24 Days on market

Built 1900 5,000 sqft lot $12/sqft · 91% below area

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Why this score? — see what drove the D 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Alert! 3 bedroom, covered front porch, newer hot water heater, newer electric panel, spacious updated bathroom, house partially updated with open floor plan, renovation work started. Big rear yard. Being sold in as-is condition.

Key facts

• Covered front porch
• Newer electric panel
• Open floor plan

Tags

• COVERED FRONT PORCH
• NEWER HOT WATER HEATER
• NEWER ELECTRIC PANEL
• SPACIOUS UPDATED BATHROOM
• OPEN FLOOR PLAN
• BIG REAR YARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $15k.

Deal economics

• At list price, monthly cash flow is $944 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $15k).
• Recommended offer: $15k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#1,055 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A-; Watch: amenities F, commute F, health & safety F.
• Mcguffey SD (rural): math 26% / reading 49% proficiency, ranked #370 of 539 in PA (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $103 of loan paydown is wiped out by about $447 of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($15k) 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.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $14,676 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 8.90% ✓
• Cap rate: 82.34%
• Cash-on-cash: 271.59%
• DSCR: 13.08
• GRM: 0.9

CMA / ARV

• ARV (median comp): $167,184
• List price: $14,900
• Delta: -91.09%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Green St	0.12mi	2/1.0 (-1)	1,210 (+1%)	20mo	$170,000	$140	70
115 Highland Ave	0.06mi	3/1.5	1,360 (+14%)	10mo	$174,900	$129	64
202 State Route 231	0.74mi	3/1.5	1,248 (+4%)	6mo	$130,000	$104	52
6 7th St	0.72mi	2/2.0 (-1)	1,120 (-6%)	10mo	$155,000	$138	39
8 7th St	0.72mi	2/1.0 (-1)	1,160 (-3%)	23mo	$145,000	$125	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: —
• Equity multiple: 14.84×
• Total profit: $57,744
• Equity at exit: $2,222

10-year hold

• IRR: —
• Equity multiple: 31.63×
• Total profit: $127,802
• Equity at exit: $1,288

Cash invested: $4,172 (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 15323

• Home prices YoY: -21.6%
• Active inventory: 15
• Price-to-rent: 0.9×

Monthly cashflow live

• Estimated rent: $1,326 medium
• Mortgage (P&I): −$78
• Tax est. 1.5%: −$19 /mo · $224/yr
• Insurance: −$6
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $944

Break-even live

Break-even rent $130

Max offer price $14,900

Occupancy floor 24%

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: $3,725
• Closing costs: $447
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-05-08
   status Active 237-char remark

   Show marketing remark (237 chars)

   Investor Alert! 3 bedroom, covered front porch, newer hot water heater, newer electric panel, spacious updated bathroom, house partially updated with open floor plan, renovation work started. Big rear yard. Being sold in as-is condition.

2. 2026-03-16
   status Pending 237-char remark

   Show marketing remark (237 chars)

   Investor Alert! 3 bedroom, covered front porch, newer hot water heater, newer electric panel, spacious updated bathroom, house partially updated with open floor plan, renovation work started. Big rear yard. Being sold in as-is condition.

3. 2026-03-11
   listed $14,900 Active 237-char remark

   Show marketing remark (237 chars)

   Investor Alert! 3 bedroom, covered front porch, newer hot water heater, newer electric panel, spacious updated bathroom, house partially updated with open floor plan, renovation work started. Big rear yard. Being sold in as-is condition.

4. 2025-11-25
   price $17,900
5. 2025-11-13
   price $19,900
6. 2025-10-28
   price $24,900
7. 2025-10-09
   price $27,900
8. 2025-09-26
   price $32,900
9. 2025-07-31
   price $34,900
10. 2025-07-23
    listed $44,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 13% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 19 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: $15,907
• − Mortgage interest: −$835
• − Property taxes: −$224
• − Insurance: −$74
• − Repairs & maintenance: −$1,273
• − Management: −$1,273
• − Depreciation: −$433
• Taxable income: $11,796
• Est. tax owed @ 24.0%: −$2,831
• After-tax cash flow: $8,500/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: Mcguffey SD
• NCES district ID: 4214880
• Math proficiency: 26% ▼ -14.00%
• Reading proficiency: 49% ▼ -12.00%
• Median HH income: $56,454
• Composite: 32.95/100
• National rank: #5590
• State rank: #370 of 539 in PA

Livability — Claysville

• Score: 66/100
• State rank: #1055
• US rank: #11895

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Claysville, PA
• Population (ZIP): 3,837

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Serbian 8% Romanian 7% Iranian 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · French/Haitian/Cajun 0%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -42.25%
• Current HPI: 153.6844
• 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

-66.8% since first listed

10 events — show timeline

• 2026-05-08 Relisted — West Penn MLS
• 2026-03-16 Pending — West Penn MLS
• 2026-03-11 Listed $14,900 West Penn MLS
• 2025-11-25 Price Changed $17,900 West Penn MLS
• 2025-11-13 Price Changed $19,900 West Penn MLS
• 2025-10-28 Price Changed $24,900 West Penn MLS
• 2025-10-09 Price Changed $27,900 West Penn MLS
• 2025-09-26 Price Changed $32,900 West Penn MLS
• 2025-07-31 Price Changed $34,900 West Penn MLS
• 2025-07-23 Listed $44,900 West Penn MLS

Property tax history

+2.3%/yr

Latest (2026): $1,413 · +3.5% YoY. Source: county tax records.