121 E Cumberland Rd · Enola, PA 17025

$194,900

2 bd · 1.5 ba · 1,368 sqft · Townhouse public records · 5 Days on market

Built 1920 6,098 sqft lot Est $192k · at est.

---

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 +14.9/30.0
• ARV discount +6.7/15.0
• DSCR +4.5/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• 1% rule +3.8/10.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming home in East Pennsboro Township located close to schools, shopping, and dining. Beautiful wood floors/trim adds tons of character! Currently used as a 3 bedroom (master is utilizing a hallway closet) home with 1.5 bath. Spacious kitchen with tile floors and breakfast bar. Free standing thermostat controlled natural gas stove provides lots of warmth. Beautifully maintained exterior with well manicured landscaping and multiple gardens. Other features include formal dining room addition w/ vaulted ceilings, whirlpool tub, off-street driveway parking, mini-split 1st floor a/c unit, lots of storage in the basement & attic, wrap-around front porch, radon mitigation system, storage shed, and more! Appliances convey. Set up a private showing today to see all this home has to offer!

Key facts

• 2 parking spots
• Built 1920
• Listed 5 days

Property features AI

Finance

• Other: Ground rent paid annually

Exterior

• Parking: Gravel driveway; Two driveway spaces; Driveway, off-street and on-street parking; Two total garage/parking spaces
• Utilities: Public water; Public sewer; Electric service 200+ amp; Electric hot water; Electric and natural gas available; Cable and other internet services; Municipal trash not provided
• Home design: Semi-detached property; Fee simple ownership; Property in very good condition; Not in a federal flood zone
• Construction: Stick-built construction; Architectural shingle roof; Other foundation type; Shed as additional structure; Building not winterized; Pets allowed (cats and dogs)
• Exterior features: Exterior lighting; Outbuilding(s) / shed; Play area; Sidewalks; Wood fencing; Cleared, level lot with rear and side yards

Interior

• Kitchen: Built-in microwave; Dishwasher; Gas oven/range; Refrigerator
• Bedrooms: Two bedrooms on the first upper level; Additional bedroom listed
• Flooring: Ceramic tile; Hardwood; Laminate plank
• Bathrooms: One full bathroom (upper level); One half bathroom (main level)
• Heating & cooling: Baseboard electric heat; Wall unit heating; Electric and natural gas heating fuel; Ductless/mini-split cooling; Window units; Ceiling fans
• Interior features: Attic; Tub with shower; Ceiling fans; Traditional floor plan; Formal dining room; Country-style kitchen; Wood floors
• Laundry & utility: Washer and dryer in unit (basement laundry); Dryer in unit

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath townhouse listed at $195k.

Deal economics

• At list price, monthly cash flow is $56 ($673/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $172k (11.8% below list).
• Recommended offer: $172k (11.8% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.4% in Enola — 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 79/100 on livability (#243 in PA, #2,077 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, commute D+, amenities F.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro El Sch (math 35% / reading 53%, grade F, #858 of 1,518 statewide, top 57%, 588 students, 50% FRL); East Pennsboro Area Ms (math 14% / reading 56%, grade F, #322 of 512 statewide, top 64%, 563 students, 50% FRL); East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL) — zoned schools average 45% FRL vs 24% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.5%/yr); 131 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,052 units permitted in Cumberland County in 2024 (310 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 $6k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 21y ago; this cycle's ask is 56% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $125k; list at $195k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $171,914 (11.8% below list)

Questions for the listing agent

1. Built in 1920 — 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. 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?
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: 0.88% ✗
• Cap rate: 6.64%
• Cash-on-cash: 1.23%
• DSCR: 1.05
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $191,520
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
34 S Enola Dr	0.16mi	3/1.5 (+1)	1,380 (+1%)	6mo	$212,500	$154	81
205 Brick Church Rd	0.28mi	2/1.5	1,260 (-8%)	4mo	$208,000	$165	71
233 W Columbia Rd	0.40mi	3/1.0 (+1)	1,372 (+0%)	5mo	$135,000	$98	70
272 Susquehanna Ave	0.34mi	3/1.0 (+1)	1,436 (+5%)	2mo	$144,900	$101	67
211 S Enola Dr	0.53mi	3/1.0 (+1)	1,338 (-2%)	2mo	$160,000	$120	63
163 Susquehanna Ave	0.22mi	2/1.5	1,200 (-12%)	8mo	$190,000	$158	63
96 Queen Ave	0.52mi	2/1.5	1,475 (+8%)	1mo	$190,000	$129	62
227 W Dauphin St	0.25mi	3/1.5 (+1)	1,192 (-13%)	6mo	$220,000	$185	57
120 S Enola Dr	0.33mi	3/2.0 (+1)	1,232 (-10%)	6mo	$200,000	$162	56
235 S Enola Dr	0.61mi	3/1.0 (+1)	1,244 (-9%)	1mo	$160,000	$129	49
91 Queen Ave	0.55mi	2/1.5	1,540 (+13%)	8mo	$215,000	$140	47
315 S Enola Dr	0.66mi	3/1.0 (+1)	1,184 (-14%)	1mo	$160,000	$135	39

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: -10.6%
• Equity multiple: 0.60×
• Total profit: $-21,818
• Equity at exit: $29,060

10-year hold

• IRR: 2.9%
• Equity multiple: 1.24×
• Total profit: $12,882
• Equity at exit: $16,851

Cash invested: $54,572 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 131
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,719 medium
• Mortgage (P&I): −$1,022
• Tax from tax record: −$199 /mo · $2,385/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $56

Break-even live

Break-even rent $1,648

Max offer price $194,900

Occupancy floor 92%

Sensitivity live

Price	-10% $166	-5% $111	+0% $56	+5% $1	+10% $-54
Rent	-10% $-80	-5% $-12	+0% $56	+5% $124	+10% $192
Rate	-1.0pp $154	-0.5pp $106	base $56	+0.5pp $6	+1.0pp $-46

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: $48,725
• Closing costs: $5,847
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Silk Mill Dr East Pennsboro Township, PA	2.0	1.0–2.0	1319	$1,822	$1.38	15d	8	0.27mi
64 Queen Ave Enola, PA	2.0	1.5	1200	$1,495	$1.25	15d	1	0.50mi
115 Charlotte Way #303 Enola, PA	2.0	2.0	1166	$1,450	$1.24	15d	1	1.18mi
99 Lee Ann Ct Enola, PA	3.0	2.5	1540	$1,995	$1.30	15d	1	1.42mi

Listing history 15 events

1. 2026-06-03
   status $194,900 Pending 5 DOM
2. 2026-06-02
   days on market $194,900 Active 5 DOM
3. 2026-06-01
   days on market $194,900 Active 4 DOM
4. 2026-05-31
   days on market $194,900 Active 3 DOM
5. 2026-05-31
   days on market $194,900 Active 2 DOM
6. 2026-05-22
   historical $194,900
7. 2019-12-19
   soldstatus $125,000
8. 2019-12-13
   soldstatus $125,000 Closed 799-char remark

   Show marketing remark (799 chars)

   Charming home in East Pennsboro Township located close to schools, shopping, and dining. Beautiful wood floors/trim adds tons of character! Currently used as a 3 bedroom (master is utilizing a hallway closet) home with 1.5 bath. Spacious kitchen with tile floors and breakfast bar. Free standing thermostat controlled natural gas stove provides lots of warmth. Beautifully maintained exterior with well manicured landscaping and multiple gardens. Other features include formal dining room addition w/ vaulted ceilings, whirlpool tub, off-street driveway parking, mini-split 1st floor a/c unit, lots of storage in the basement & attic, wrap-around front porch, radon mitigation system, storage shed, and more! Appliances convey. Set up a private showing today to see all this home has to offer!

9. 2019-11-06
   status Pending 799-char remark

   Show marketing remark (799 chars)

   Charming home in East Pennsboro Township located close to schools, shopping, and dining. Beautiful wood floors/trim adds tons of character! Currently used as a 3 bedroom (master is utilizing a hallway closet) home with 1.5 bath. Spacious kitchen with tile floors and breakfast bar. Free standing thermostat controlled natural gas stove provides lots of warmth. Beautifully maintained exterior with well manicured landscaping and multiple gardens. Other features include formal dining room addition w/ vaulted ceilings, whirlpool tub, off-street driveway parking, mini-split 1st floor a/c unit, lots of storage in the basement & attic, wrap-around front porch, radon mitigation system, storage shed, and more! Appliances convey. Set up a private showing today to see all this home has to offer!

10. 2019-11-04
    listed $124,900 Active 799-char remark

    Show marketing remark (799 chars)

    Charming home in East Pennsboro Township located close to schools, shopping, and dining. Beautiful wood floors/trim adds tons of character! Currently used as a 3 bedroom (master is utilizing a hallway closet) home with 1.5 bath. Spacious kitchen with tile floors and breakfast bar. Free standing thermostat controlled natural gas stove provides lots of warmth. Beautifully maintained exterior with well manicured landscaping and multiple gardens. Other features include formal dining room addition w/ vaulted ceilings, whirlpool tub, off-street driveway parking, mini-split 1st floor a/c unit, lots of storage in the basement & attic, wrap-around front porch, radon mitigation system, storage shed, and more! Appliances convey. Set up a private showing today to see all this home has to offer!

11. 2015-05-28
    soldstatus $105,000
12. 2015-05-27
    soldstatus $105,000 421-char remark

    Show marketing remark (421 chars)

    Welcome to your new home! This 3 bedroom, 1.5 bath semi in East Penn Twp sits on . 14 acre, and offers replacement windows, efficient natural gas heat, fenced yard (upper yard can be nice garden), off street parking, and much of the original charm the home (floors & trim). Main bath offers whirlpool tub. Close to schools, playground, shopping & dining. RE Taxes are quite affordable. All appliances convey.

13. 2015-03-25
    listed $119,900 421-char remark

    Show marketing remark (421 chars)

    Welcome to your new home! This 3 bedroom, 1.5 bath semi in East Penn Twp sits on . 14 acre, and offers replacement windows, efficient natural gas heat, fenced yard (upper yard can be nice garden), off street parking, and much of the original charm the home (floors & trim). Main bath offers whirlpool tub. Close to schools, playground, shopping & dining. RE Taxes are quite affordable. All appliances convey.

14. 2005-04-22
    soldstatus $90,000
15. 2005-02-18
    listed $89,900

ⓘ 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: $2,385 · $199/mo
• Projected year-2 tax: $2,732 · $228/mo
• Expected delta: +$347/yr (+$29/mo · 14.6%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,630
• − Mortgage interest: −$10,917
• − Property taxes: −$2,385
• − Insurance: −$974
• − Repairs & maintenance: −$1,650
• − Management: −$1,650
• − Depreciation: −$5,670
• Taxable loss: −$2,618
• Est. tax savings @ 24.0%: +$628
• After-tax cash flow: $1,301/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — Enola

• Score: 79/100
• State rank: #243
• US rank: #2077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• City population: 17,648
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• Metro: Harrisburg-Carlisle, 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

+116.8% since first listed

10 events — show timeline

• 2026-05-22 Coming Soon $194,900 BRIGHT MLS
• 2019-12-19 Sold (Public Records) $125,000 Public Records
• 2019-12-13 Sold (MLS) $125,000 BRIGHT MLS
• 2019-11-06 Pending — BRIGHT MLS
• 2019-11-04 Listed $124,900 BRIGHT MLS
• 2015-05-28 Sold (Public Records) $105,000 Public Records
• 2015-05-27 Sold (MLS) $105,000 BRIGHT MLS
• 2015-03-25 Listed $119,900 BRIGHT MLS
• 2005-04-22 Sold (MLS) $90,000 BRIGHT MLS
• 2005-02-18 Listed $89,900 BRIGHT MLS

Property tax history

+5.5%/yr

Latest (2026): $2,385 · +1.8% YoY. Source: county tax records.