129 W Broad St · Elizabethville, PA 17023

$149,900

3 bd · 1.0 ba · 1,628 sqft · SingleFamily public records · 53 Days on market

Built 1913 4,356 sqft lot Est $174k · 14% 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 +15.2/30.0
• ARV discount +13.8/15.0
• Appreciation +7.2/10.0
• DSCR +4.7/10.0
• 1% rule +4.0/10.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

New to the Market! "Welcome to this charming and well-maintained 2.5 story brick duplex located in the heart of Elizabethville, conveniently situated near the YMCA, local school, parks, and a variety of restaurants. This delightful home offers 3 bedrooms and 1 bathroom, featuring original hardwood flooring that exudes character and warmth. The finished attic space provides versatility and can serve as a potential 4th bedroom, providing ample space for your family's needs. Whether you're looking to relax, play, or entertain, this residence offers an inviting environment for all. Don't miss out on this opportunity to own a piece of Elizabethville's charm. Contact me today to schedule your personal showing and experience all that this lovely duplex has to offer!" Being SOLD AS IS. .. .

Key facts

• 4,356 sq ft lot
• Built 1913
• Listed 53 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $51 ($616/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 $135k (9.9% below list).
• Recommended offer: $135k (9.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#912 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Upper Dauphin Area SD (rural): math 37% / reading 55% proficiency, ranked #259 of 539 in PA (top 48%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Upper Dauphin Area Hs (math 77%, 343 students, 47% FRL).
• Market conditions: 14 active listings in the ZIP; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($1k loan paydown + $7k appreciation (4.4% local appreciation)).
• At projected returns (4.4% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $20k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $125k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,995 (9.9% below list)

Questions for the listing agent

1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. Built in 1913 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.90% ✗
• Cap rate: 6.70%
• Cash-on-cash: 1.47%
• DSCR: 1.07
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $174,196
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
444 W Main St	0.42mi	3/1.0	1,671 (+3%)	4mo	$105,000	$63	72
55 S Callowhill St	0.24mi	4/1.5 (+1)	1,572 (-3%)	7mo	$75,000	$48	70
41 N Market St	0.19mi	3/1.5	1,500 (-8%)	12mo	$160,000	$107	66
60 S Market St	0.29mi	4/1.0 (+1)	1,455 (-11%)	2mo	$165,000	$113	62
250 W Broad St	0.16mi	4/1.5 (+1)	1,680 (+3%)	24mo	$239,900	$143	61
332 W Main St	0.32mi	3/1.0	1,470 (-10%)	13mo	$54,100	$37	58
38 E Broad St	0.27mi	3/1.5	1,800 (+11%)	15mo	$155,000	$86	55
81 Vine St	0.39mi	3/2.0	1,548 (-5%)	18mo	$245,000	$158	54
197 N Church St	0.11mi	3/2.0	1,404 (-14%)	17mo	$275,000	$196	54
257 W Main St	0.19mi	3/3.0	1,401 (-14%)	16mo	$140,000	$100	46
79 Camp St	0.56mi	4/2.0 (+1)	1,634 (+0%)	24mo	$300,000	$184	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.37% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.5%
• Equity multiple: 1.77×
• Total profit: $32,510
• Equity at exit: $79,293

10-year hold

• IRR: 13.8%
• Equity multiple: 3.34×
• Total profit: $98,200
• Equity at exit: $132,388

Cash invested: $41,972 (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 17023

• Home prices YoY: 1.6%
• Active inventory: 14
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,350 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$167 /mo · $1,999/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $51

Break-even live

Break-even rent $1,285

Max offer price $149,900

Occupancy floor 91%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-04-02
   status Pending
2. 2026-03-19
   price $149,900
3. 2026-03-04
   price $159,900
4. 2026-02-25
   price $167,500
5. 2026-02-09
   listed $169,900 Active
6. 2026-02-08
   historical $169,900
7. 2023-09-13
   soldstatus $125,450
8. 2023-09-07
   soldstatus $124,500 Closed 803-char remark

   Show marketing remark (803 chars)

   New to the Market! "Welcome to this charming and well-maintained 2.5 story brick duplex located in the heart of Elizabethville, conveniently situated near the YMCA, local school, parks, and a variety of restaurants. This delightful home offers 3 bedrooms and 1 bathroom, featuring original hardwood flooring that exudes character and warmth. The finished attic space provides versatility and can serve as a potential 4th bedroom, providing ample space for your family's needs. Whether you're looking to relax, play, or entertain, this residence offers an inviting environment for all. Don't miss out on this opportunity to own a piece of Elizabethville's charm. Contact me today to schedule your personal showing and experience all that this lovely duplex has to offer!" Being SOLD AS IS. .. .

9. 2023-07-30
   status Pending 803-char remark

   Show marketing remark (803 chars)

   New to the Market! "Welcome to this charming and well-maintained 2.5 story brick duplex located in the heart of Elizabethville, conveniently situated near the YMCA, local school, parks, and a variety of restaurants. This delightful home offers 3 bedrooms and 1 bathroom, featuring original hardwood flooring that exudes character and warmth. The finished attic space provides versatility and can serve as a potential 4th bedroom, providing ample space for your family's needs. Whether you're looking to relax, play, or entertain, this residence offers an inviting environment for all. Don't miss out on this opportunity to own a piece of Elizabethville's charm. Contact me today to schedule your personal showing and experience all that this lovely duplex has to offer!" Being SOLD AS IS. .. .

10. 2023-07-24
    listed $125,450 Active 803-char remark

    Show marketing remark (803 chars)

    New to the Market! "Welcome to this charming and well-maintained 2.5 story brick duplex located in the heart of Elizabethville, conveniently situated near the YMCA, local school, parks, and a variety of restaurants. This delightful home offers 3 bedrooms and 1 bathroom, featuring original hardwood flooring that exudes character and warmth. The finished attic space provides versatility and can serve as a potential 4th bedroom, providing ample space for your family's needs. Whether you're looking to relax, play, or entertain, this residence offers an inviting environment for all. Don't miss out on this opportunity to own a piece of Elizabethville's charm. Contact me today to schedule your personal showing and experience all that this lovely duplex has to offer!" Being SOLD AS IS. .. .

11. 2023-07-24
    historical $125,450 803-char remark

    Show marketing remark (803 chars)

    New to the Market! "Welcome to this charming and well-maintained 2.5 story brick duplex located in the heart of Elizabethville, conveniently situated near the YMCA, local school, parks, and a variety of restaurants. This delightful home offers 3 bedrooms and 1 bathroom, featuring original hardwood flooring that exudes character and warmth. The finished attic space provides versatility and can serve as a potential 4th bedroom, providing ample space for your family's needs. Whether you're looking to relax, play, or entertain, this residence offers an inviting environment for all. Don't miss out on this opportunity to own a piece of Elizabethville's charm. Contact me today to schedule your personal showing and experience all that this lovely duplex has to offer!" Being SOLD AS IS. .. .

12. 2016-07-21
    soldstatus $72,000
13. 2016-07-15
    soldstatus $72,000 450-char remark

    Show marketing remark (450 chars)

    So much space in this duplex, you'll feel as if its single family living! Solid, brick construction, beautifully restored original hardwoods and trims, with working pocket doors between LR and DR. Kit was updated with island, and a finished attic to use as an additional 4th bedroom or bonus room- your choice. Great price, location, and flow. 13 mo. HWA Home Warranty for peace of mind included with acceptable offer from seller. Take a look today!

14. 2016-03-10
    listed $69,900 450-char remark

    Show marketing remark (450 chars)

    So much space in this duplex, you'll feel as if its single family living! Solid, brick construction, beautifully restored original hardwoods and trims, with working pocket doors between LR and DR. Kit was updated with island, and a finished attic to use as an additional 4th bedroom or bonus room- your choice. Great price, location, and flow. 13 mo. HWA Home Warranty for peace of mind included with acceptable offer from seller. Take a look today!

15. 2016-03-10
    historical 450-char remark

    Show marketing remark (450 chars)

    So much space in this duplex, you'll feel as if its single family living! Solid, brick construction, beautifully restored original hardwoods and trims, with working pocket doors between LR and DR. Kit was updated with island, and a finished attic to use as an additional 4th bedroom or bonus room- your choice. Great price, location, and flow. 13 mo. HWA Home Warranty for peace of mind included with acceptable offer from seller. Take a look today!

16. 2009-11-06
    soldstatus $57,000
17. 1996-04-10
    soldstatus $25,000

ⓘ 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: $1,999 · $167/mo
• Projected year-2 tax: $2,184 · $182/mo
• Expected delta: +$185/yr (+$15/mo · 9.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥97°F today · 16 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,199
• − Mortgage interest: −$8,397
• − Property taxes: −$1,999
• − Insurance: −$750
• − Repairs & maintenance: −$1,296
• − Management: −$1,296
• − Depreciation: −$4,361
• Taxable loss: −$1,899
• Est. tax savings @ 24.0%: +$456
• After-tax cash flow: $1,071/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: Upper Dauphin Area SD
• NCES district ID: 4224360
• Math proficiency: 37% ▼ -3.00%
• Reading proficiency: 55% ▼ -8.00%
• Median HH income: $48,201
• Composite: 39.23/100
• National rank: #4012
• State rank: #259 of 539 in PA

Livability — Elizabethville

• Score: 68/100
• State rank: #912
• US rank: #9870

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Elizabethville, PA
• Population (ZIP): 3,681

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 2%
• Common ancestry: Iranian 7% Polish 1% Romanian 1%
• Foreign-born: 1%
• Languages at home: 94% English-only · German/W. Germanic 4% Russian/Polish/Slavic 1% Korean 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.37%
• Current HPI: 271.7016
• 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

+499.6% since first listed

17 events — show timeline

• 2026-04-02 Pending — BRIGHT MLS
• 2026-03-19 Price Changed $149,900 BRIGHT MLS
• 2026-03-04 Price Changed $159,900 BRIGHT MLS
• 2026-02-25 Price Changed $167,500 BRIGHT MLS
• 2026-02-09 Listed $169,900 BRIGHT MLS
• 2026-02-08 Coming Soon $169,900 BRIGHT MLS
• 2023-09-13 Sold (Public Records) $125,450 Public Records
• 2023-09-07 Sold (MLS) $124,500 BRIGHT MLS
• 2023-07-30 Pending — BRIGHT MLS
• 2023-07-24 Listed $125,450 BRIGHT MLS
• 2023-07-24 Coming Soon $125,450 BRIGHT MLS
• 2016-07-21 Sold (Public Records) $72,000 Public Records
• 2016-07-15 Sold (MLS) $72,000 BRIGHT MLS
• 2016-03-10 Listing Removed — BRIGHT MLS
• 2016-03-10 Listed $69,900 BRIGHT MLS
• 2009-11-06 Sold (Public Records) $57,000 Public Records
• 1996-04-10 Sold (Public Records) $25,000 Public Records

Property tax history

+2.1%/yr

Latest (2026): $1,999 · +5.4% YoY. Source: county tax records.