314 Wertzville Rd · East Pennsboro, PA 17025

$219,900

2 bd · 1.0 ba · 910 sqft · SingleFamily public records · 4 Days on market

Built 1940 7,405 sqft lot Est $207k · 6% over

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Why this score? — see what drove the F 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 +8.1/30.0
• ARV discount +4.6/15.0
• Rent growth +4.1/5.0
• Schools +3.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Small, but mighty ranch home! Very well maintained and very clean! Ready for you to move into! Furnace, windows and siding recently updated! 3 bedrooms, 1 full bath, eat-in kitchen, mud room, wood laminate floors in living room, central air, 200 AMP electric, front porch, great partially fenced-in backyard and play equipment for the little ones in your life. A ?blank slate? in lower level awaits your finishing touches!

Key facts

• Blacktop driveway
• Walk-in closet
• Granite countertops

Tags

• WALK-IN CLOSET
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• FINISHED LOWER-LEVEL REC ROOM
• HEAT PUMP WITH CENTRAL AIR
• BLACKTOP DRIVEWAY

Property features AI

Finance

• Other: Fee simple ownership; Two or more access exits (accessibility feature)

Exterior

• Parking: Paved driveway and paved parking; Driveway access
• Utilities: Public sewer; Electric hot water
• Home design: Detached structure; Vinyl siding and block construction; Replacement windows
• Construction: Block foundation; Above-grade and below-grade structures
• Exterior features: Exterior lighting; Sidewalks; Stone retaining walls; Not in a federal flood zone; Well water

Interior

• Kitchen: Kitchen
• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Heat pump with electric backup; Electric baseboard heat; Central air conditioning
• Interior features: Not furnished; Daylight, partial, full, heated, improved basement with interior access, outside entrance and walkout level; Recreation room; Mud room; Living room
• Laundry & utility: Basement laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $-213 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $182k (17.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $152k (31.1% below list).
• Recommended offer: $152k (31.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• 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: West Creek Hills El Sch (math 32% / reading 54%, grade F, #873 of 1,518 statewide, top 58%, 558 students, 51% 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 46% 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; 2 comparable units currently listed for rent nearby; 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 $2k of loan paydown is wiped out by about $7k 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 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 14y 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.
• Current owner paid $95k; list at $220k implies a 131% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $151,606 (31.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1940 — 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. 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: 0.69% ✗
• Cap rate: 5.13%
• Cash-on-cash: -4.15%
• DSCR: 0.82
• GRM: 12.1

CMA / ARV

• ARV (on-the-fly): $206,570
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
101 E Perry St	0.38mi	2/1.0	928 (+2%)	10mo	$230,000	$248	71
103 Brick Church Rd	0.23mi	2/1.0	920 (+1%)	22mo	$130,000	$141	69
11 Salt Rd	0.24mi	2/1.0	1,040 (+14%)	11mo	$236,000	$227	55
235 Wyoming Ave	0.50mi	2/2.0	966 (+6%)	12mo	$180,000	$186	53
13 W Beale Ave	0.56mi	2/1.0	928 (+2%)	22mo	$157,000	$169	53
326 Pitt St	0.33mi	2/1.0	825 (-9%)	21mo	$205,000	$248	52

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: -19.8%
• Equity multiple: 0.29×
• Total profit: $-43,778
• Equity at exit: $32,788

10-year hold

• IRR: -7.1%
• Equity multiple: 0.49×
• Total profit: $-31,701
• Equity at exit: $19,013

Cash invested: $61,572 (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: 12.1×

Monthly cashflow live

• Estimated rent: $1,516 medium
• Mortgage (P&I): −$1,153
• Tax from tax record: −$166 /mo · $1,990/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$318
• Net cashflow: $-213

Break-even live

Break-even rent $1,786

Max offer price $182,284

Occupancy floor —

Sensitivity live

Price	-10% $-88	-5% $-151	+0% $-213	+5% $-275	+10% $-337
Rent	-10% $-333	-5% $-273	+0% $-213	+5% $-153	+10% $-93
Rate	-1.0pp $-102	-0.5pp $-157	base $-213	+0.5pp $-270	+1.0pp $-328

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7 Adams St Unit 08 Enola, PA	2.0	1.0	700	$1,300	$1.86	25d	1	0.71mi
21 Radam St Enola, PA	1.0	1.0	580	$1,295	$2.23	45d	1	1.37mi

Listing history 5 events

1. 2026-06-16
   status $219,900 Pending 4 DOM
2. 2026-06-15
   days on market $219,900 Active 4 DOM
3. 2026-06-14
   days on market $219,900 Active 2 DOM
4. 2026-06-13
   remarks 699-char remark
5. 2026-06-13
   listed $219,900 Active 1 DOM

ⓘ 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: $1,990 · $166/mo
• Projected year-2 tax: $2,732 · $228/mo
• Expected delta: +$742/yr (+$62/mo · 37.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°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: $18,193
• − Mortgage interest: −$12,318
• − Property taxes: −$1,990
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,455
• − Management: −$1,455
• − Depreciation: −$6,397
• Taxable loss: −$6,522
• Est. tax savings @ 24.0%: +$1,565
• After-tax cash flow: $-990/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 — East Pennsboro

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• 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

+598.1% since first listed

7 events — show timeline

• 2026-06-12 Listed $219,900 BRIGHT MLS
• 2026-06-10 Coming Soon $219,900 BRIGHT MLS
• 2012-06-06 Sold (Public Records) $95,000 Public Records
• 2012-05-31 Sold (MLS) $95,000 BRIGHT MLS
• 2012-04-09 Listed $92,500 BRIGHT MLS
• 1988-10-04 Sold (Public Records) $49,000 Public Records
• 1984-05-29 Sold (Public Records) $31,500 Public Records

Property tax history

+3.3%/yr

Latest (2026): $1,990 · +1.8% YoY. Source: county tax records.