600 14th St · Windber, PA 15963

$84,500

3 bd · 1.0 ba · 1,662 sqft · SingleFamily public records · 4 Days on market

Built 1900 6,098 sqft lot $51/sqft · 36% below area Est $132k · 36% under

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.4/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Exceptional decorating in this beautiful 4 bedroom vinyl sided two story home! Welcoming foyer with new leaded glass front door. Living room features a walk-out bay window, electric fireplace, new carpeting. Formal dining room plus a main floor family room/office area with access to an enclosed sunporch. Remodeled kitchen-pergo flooring-stainless steel refrigerator, range, dishwasher included. Remodeled bath w/ unique aluminum ceiling & ceramic tile walls. Walk-up attic. Fenced yard - 1 off street parking space. Visual tour available by email.

Key facts

• Newer furnace
• Closed in porch
• Separate dining room

Tags

• SEPARATE DINING ROOM
• SEPARATE LIVING ROOMS
• CLOSED IN PORCH
• NEWER METAL ROOF
• NEWER FURNACE

Property features AI

Exterior

• Parking: Paved parking; Other (see comments)
• Utilities: Public water; Public sewer; Sewer available
• Home design: Single family residence; Two levels / 2 stories; Residential zoning
• Construction: Frame, vinyl siding and block construction; Metal roof
• Exterior features: Porch; Partial fencing; Rectangular lot

Interior

• Kitchen: Range; Microwave; Oven
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (oil); Ceiling fan(s)
• Interior features: Eat-in kitchen; High-speed internet; Window coverings; Double-pane windows
• Laundry & utility: Washer; Dryer; Laundry in basement; Full unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $84k.

Deal economics

• At list price, monthly cash flow is $542 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $84k).

Location & tenants

• Location reads 72/100 on livability (#606 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: employment D, crime F, amenities F.
• Windber Area SD (suburban): math 45% / reading 60% proficiency, ranked #166 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 45 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $584 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Somerset County population projected at -21% 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 $24k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 20y ago 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 $84,500

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. 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?
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: 1.68% ✓
• Cap rate: 13.99%
• Cash-on-cash: 27.50%
• DSCR: 2.22
• GRM: 4.9

CMA / ARV

• ARV (median comp): $132,480
• List price: $84,500
• Delta: -36.22%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1210 Somerset Ave	0.13mi	3/2.0	1,500 (-10%)	2mo	$128,000	$85	72
401 8th St	0.46mi	3/1.5	1,644 (-1%)	11mo	$165,000	$100	65
309 12th St	0.28mi	4/2.0 (+1)	1,794 (+8%)	2mo	$30,000	$17	63
615 22nd St	0.48mi	3/1.0	1,572 (-5%)	8mo	$104,500	$66	62
2303 Cambria Ave	0.57mi	3/1.5	1,584 (-5%)	3mo	$70,000	$44	61
2208 Graham Ave	0.56mi	3/2.5	1,729 (+4%)	6mo	$164,900	$95	56
302 6th St	0.59mi	3/2.0	1,776 (+7%)	7mo	$159,900	$90	51
2213 Jackson Ave	0.58mi	2/1.0 (-1)	1,482 (-11%)	2mo	$108,400	$73	48
201 7th St	0.58mi	4/2.0 (+1)	1,598 (-4%)	11mo	$148,000	$93	48
307 Cambria Ave	0.70mi	3/2.0	1,536 (-8%)	4mo	$205,000	$133	47
2222 Jackson Ave	0.62mi	3/2.0	1,426 (-14%)	3mo	$112,000	$79	41
198 Pomroys Dr	0.69mi	3/2.0	1,455 (-12%)	9mo	$105,000	$72	36

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: 21.6%
• Equity multiple: 1.88×
• Total profit: $20,858
• Equity at exit: $12,599

10-year hold

• IRR: 29.7%
• Equity multiple: 3.65×
• Total profit: $62,709
• Equity at exit: $7,306

Cash invested: $23,660 (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 15963

• Home prices YoY: -24.4%
• Active inventory: 45
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,423 medium
• Mortgage (P&I): −$443
• Tax from tax record: −$104 /mo · $1,243/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $542

Break-even live

Break-even rent $737

Max offer price $84,500

Occupancy floor 57%

Sensitivity live

Price	-10% $590	-5% $566	+0% $542	+5% $518	+10% $494
Rent	-10% $430	-5% $486	+0% $542	+5% $598	+10% $655
Rate	-1.0pp $585	-0.5pp $564	base $542	+0.5pp $520	+1.0pp $498

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: $21,125
• Closing costs: $2,535
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-05-06
   status Pending 248-char remark
2. 2026-05-02
   listed $84,500 Active 248-char remark
3. 2008-04-25
   soldstatus $117,000 555-char remark

   Show marketing remark (555 chars)

   Exceptional decorating in this beautiful 4 bedroom vinyl sided two story home! Welcoming foyer with new leaded glass front door. Living room features a walk-out bay window, electric fireplace, new carpeting. Formal dining room plus a main floor family room/office area with access to an enclosed sunporch. Remodeled kitchen-pergo flooring-stainless steel refrigerator, range, dishwasher included. Remodeled bath w/ unique aluminum ceiling & ceramic tile walls. Walk-up attic. Fenced yard - 1 off street parking space. Visual tour available by email.

4. 2008-04-25
   soldstatus $117,000

   Show marketing remark (555 chars)

   Exceptional decorating in this beautiful 4 bedroom vinyl sided two story home! Welcoming foyer with new leaded glass front door. Living room features a walk-out bay window, electric fireplace, new carpeting. Formal dining room plus a main floor family room/office area with access to an enclosed sunporch. Remodeled kitchen-pergo flooring-stainless steel refrigerator, range, dishwasher included. Remodeled bath w/ unique aluminum ceiling & ceramic tile walls. Walk-up attic. Fenced yard - 1 off street parking space. Visual tour available by email.

5. 2008-02-22
   listed $117,000 555-char remark

   Show marketing remark (555 chars)

   Exceptional decorating in this beautiful 4 bedroom vinyl sided two story home! Welcoming foyer with new leaded glass front door. Living room features a walk-out bay window, electric fireplace, new carpeting. Formal dining room plus a main floor family room/office area with access to an enclosed sunporch. Remodeled kitchen-pergo flooring-stainless steel refrigerator, range, dishwasher included. Remodeled bath w/ unique aluminum ceiling & ceramic tile walls. Walk-up attic. Fenced yard - 1 off street parking space. Visual tour available by email.

6. 2006-11-01
   soldstatus $88,500
7. 2006-10-30
   soldstatus $88,500

   Show marketing remark (265 chars)

   Charming 2-story victorian home in Windber, 9 rms, 4 BR, beautiful sunroom in rear plus rose garden, lovely front porch, and many other features that offer a gracious style of living. In 2001, the owner installed new doublepane windows, a new shingle roof, siding.

8. 2006-09-13
   listed $88,500

   Show marketing remark (265 chars)

   Charming 2-story victorian home in Windber, 9 rms, 4 BR, beautiful sunroom in rear plus rose garden, lovely front porch, and many other features that offer a gracious style of living. In 2001, the owner installed new doublepane windows, a new shingle roof, siding.

ⓘ 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: $1,243 · $104/mo
• Projected year-2 tax: $1,289 · $107/mo
• Expected delta: +$46/yr (+$4/mo · 3.7%)

ⓘ 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 ≥91°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,075
• − Mortgage interest: −$4,733
• − Property taxes: −$1,243
• − Insurance: −$422
• − Repairs & maintenance: −$1,366
• − Management: −$1,366
• − Depreciation: −$2,458
• Taxable income: $5,486
• Est. tax owed @ 24.0%: −$1,317
• After-tax cash flow: $5,189/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: Windber Area SD
• NCES district ID: 4226610
• Math proficiency: 45% ▼ -14.00%
• Reading proficiency: 60% ▼ -13.00%
• Median HH income: $36,802
• Composite: 43.54/100
• National rank: #2985
• State rank: #166 of 539 in PA

Livability — Windber

• Score: 72/100
• State rank: #606
• US rank: #5843

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Windber, PA
• Population (ZIP): 10,383

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Hispanic / Latino 3% Two or more races 2%
• Common ancestry: Romanian 17% Slovak 3% Iranian 3%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.99%
• Current HPI: 142.2017
• 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

+3.4% since first listed

9 events — show timeline

• 2026-06-08 Sold (MLS) $91,500 CSMLS
• 2026-05-06 Pending — CSMLS
• 2026-05-02 Listed $84,500 CSMLS
• 2008-04-25 Sold (Public Records) $117,000 Public Records
• 2008-04-25 Sold (MLS) $117,000 CSMLS
• 2008-02-22 Listed $117,000 CSMLS
• 2006-11-01 Sold (Public Records) $88,500 Public Records
• 2006-10-30 Sold (MLS) $88,500 CSMLS
• 2006-09-13 Listed $88,500 CSMLS

Property tax history

+4.6%/yr

Latest (2026): $1,243 · +4.8% YoY. Source: county tax records.