508 Fern Aly · Duquesne, PA 15110

$126,900

3 bd · 1.0 ba · 1,240 sqft · SingleFamily public records · 9 Days on market

Built 2018 7,984 sqft lot

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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 +12.8/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +3.8/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +2.1/10.0
• Schools +1.3/10.0

Listing remarks MLS

Charming and classy ranch in immaculate condition. This is REALLY A RANCH----there are no stairs in the entire house! The open floor plan has a friendly and airy feel. Appliances are all newer Whirlpool, including the refrigerator, stove, washer and dryer. The home has an Xfinity hard wired security system with 3 cameras that you can monitor from your phone. The back yard is vast and well groomed. Plenty of room to entertain or grow a garden. There is a storage shed to keep all your extras and lawn equipment. Plenty of closet space throughout the home. The home is located on quiet street - country feel just minutes from the city!

Key facts

• Open floor plan
• True ranch
• Updated kitchen

Tags

• TRUE RANCH
• SINGLE-LEVEL LIVING
• OPEN FLOOR PLAN
• UPDATED KITCHEN
• DEDICATED LAUNDRY AREA
• OFF-STREET PARKING

Property features AI

Exterior

• Home design: Single-story; Resale property
• Construction: Frame construction; Shake roof

Interior

• Kitchen: Kitchen (Main) — 9 x 8
• Bedrooms: Bedroom (Main) — 10 x 11; Bedroom (Main) — 10 x 10; Bedroom (Main) — 12 x 11
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Interior features: Hardwood floors

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $127k.

Deal economics

• At list price, monthly cash flow is $-13 ($-150/yr) — negative.
• To cash-flow at today's rent, offer at most $125k (1.7% below list).
• Meets the 1% rule at list price ($1k rent vs $127k).
• Recommended offer: $125k (1.7% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 68/100 on livability (#927 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D+, crime F, amenities F.
• Duquesne City SD (suburban): math 10% / reading 15% proficiency, ranked #611 of 658 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 97% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Duquesne El Sch (math 2% / reading 17%, grade F, #1,438 of 1,518 statewide, top 96%, 439 students, 100% FRL) — zoned schools at 100% FRL track the district average.
• Market conditions: 19 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $877 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 5y ago; this cycle's ask is 13% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price.

Recommended offer $124,687 (1.7% 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.00% ✓
• Cap rate: 6.17%
• Cash-on-cash: -0.42%
• DSCR: 0.98
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $70,680
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
508 Fern Aly	0.00mi	3/1.0	1,240 (0%)	1mo	$68,000	$55	99
507 S 5th St	0.04mi	3/1.0	1,176 (-5%)	6mo	$67,500	$57	85
826 Catharine St	0.15mi	2/1.0 (-1)	1,258 (+2%)	14mo	$60,000	$48	74
1008 Lowery St	0.30mi	3/1.0	1,184 (-4%)	11mo	$95,000	$80	69
104 Seward St	0.51mi	2/1.0 (-1)	1,256 (+1%)	11mo	$10,000	$8	60
149 N 3rd St	0.61mi	3/1.0	1,310 (+6%)	5mo	$70,000	$53	58
1402 Kennedy Ave	0.46mi	3/1.5	1,136 (-8%)	14mo	$109,000	$96	51
1314 Crawford Ave	0.48mi	2/1.0 (-1)	1,092 (-12%)	7mo	$23,000	$21	47
227 Mellon St	0.59mi	3/2.0	1,318 (+6%)	13mo	$95,000	$72	47
1720 Pennsylvania Ave	0.72mi	3/1.0	1,306 (+5%)	14mo	$56,250	$43	46
439 Ford St	0.64mi	4/2.5 (+1)	1,375 (+11%)	10mo	$152,000	$111	32
1700 Vermont Ave	0.61mi	2/2.0 (-1)	1,411 (+14%)	12mo	$173,000	$123	29

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: -16.9%
• Equity multiple: 0.40×
• Total profit: $-21,256
• Equity at exit: $18,921

10-year hold

• IRR: -8.6%
• Equity multiple: 0.46×
• Total profit: $-19,108
• Equity at exit: $10,972

Cash invested: $35,532 (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 15110

• Home prices YoY: -4.0%
• Active inventory: 19
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,272 high
• Mortgage (P&I): −$665
• Tax from tax record: −$299 /mo · $3,588/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $-13

Break-even live

Break-even rent $1,288

Max offer price $124,687

Occupancy floor 96%

Sensitivity live

Price	-10% $59	-5% $23	+0% $-13	+5% $-48	+10% $-84
Rent	-10% $-113	-5% $-63	+0% $-13	+5% $38	+10% $88
Rate	-1.0pp $51	-0.5pp $20	base $-13	+0.5pp $-45	+1.0pp $-79

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: $31,725
• Closing costs: $3,807
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
207 Auriles St Duquesne, PA	2.0	1.0	950	$950	$1.00	45d	1	0.17mi
201 S 4th St Duquesne, PA	3.0	1.0	1200	$1,385	$1.15	45d	1	0.21mi
1010 Savey St Duquesne, PA	2.0	1.0	1000	$1,200	$1.20	45d	1	0.26mi
827 Hinnerman St Duquesne, PA	3.0	1.0	1136	$1,250	$1.10	25d	1	0.26mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	45d	1	0.53mi
1744 Highland Ave West Mifflin, PA	2.0	1.0	1100	$1,549	$1.41	5d	1	0.74mi
1704 Anna Ave West Mifflin, PA	2.0	1.5	1160	$1,395	$1.20	25d	1	1.05mi
715 Grant Avenue Ext West Mifflin, PA	3.0	2.0	1400	$1,450	$1.04	9d	1	1.11mi
800 Richford St Duquesne, PA	3.0	1.0	1300	$1,600	$1.23	25d	1	1.12mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	16d	1	1.35mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	14d	3	1.35mi
287 Palma St North Versailles, PA	3.0	1.5	1008	$1,395	$1.38	45d	1	1.39mi
1607 Girard Ave North Versailles, PA	3.0	2.0	1400	$1,595	$1.14	25d	1	1.41mi
1114-1116 Ohio St Unit 2R McKeesport, PA	2.0	1.0	878	$850	$0.97	18d	1	1.49mi

Listing history 20 events

1. 2026-06-21
   days on market $126,900 Active 9 DOM
2. 2026-06-19
   price $126,900 Active 6 DOM
3. 2026-06-18
   days on market $129,900 Active 6 DOM
4. 2026-06-17
   days on market $129,900 Active 5 DOM
5. 2026-06-16
   days on market $129,900 Active 4 DOM
6. 2026-06-15
   days on market $129,900 Active 3 DOM
7. 2026-06-13
   remarks 699-char remark
8. 2026-06-13
   pricestatusdays on marketlisting id $129,900 Active 1 DOM
9. 2026-04-30
   status Pending
10. 2026-04-21
    historical Contingent
11. 2026-04-16
    price $69,900
12. 2026-03-31
    price $90,750
13. 2026-02-03
    price $100,800
14. 2025-12-15
    listed $112,000 Active
15. 2022-02-11
    soldstatus $120,000
16. 2022-02-02
    soldstatus $120,000 Closed 637-char remark

    Show marketing remark (637 chars)

    Charming and classy ranch in immaculate condition. This is REALLY A RANCH----there are no stairs in the entire house! The open floor plan has a friendly and airy feel. Appliances are all newer Whirlpool, including the refrigerator, stove, washer and dryer. The home has an Xfinity hard wired security system with 3 cameras that you can monitor from your phone. The back yard is vast and well groomed. Plenty of room to entertain or grow a garden. There is a storage shed to keep all your extras and lawn equipment. Plenty of closet space throughout the home. The home is located on quiet street - country feel just minutes from the city!

17. 2021-12-05
    status Pending 637-char remark

    Show marketing remark (637 chars)

    Charming and classy ranch in immaculate condition. This is REALLY A RANCH----there are no stairs in the entire house! The open floor plan has a friendly and airy feel. Appliances are all newer Whirlpool, including the refrigerator, stove, washer and dryer. The home has an Xfinity hard wired security system with 3 cameras that you can monitor from your phone. The back yard is vast and well groomed. Plenty of room to entertain or grow a garden. There is a storage shed to keep all your extras and lawn equipment. Plenty of closet space throughout the home. The home is located on quiet street - country feel just minutes from the city!

18. 2021-11-21
    listed $124,000 Active 637-char remark

    Show marketing remark (637 chars)

    Charming and classy ranch in immaculate condition. This is REALLY A RANCH----there are no stairs in the entire house! The open floor plan has a friendly and airy feel. Appliances are all newer Whirlpool, including the refrigerator, stove, washer and dryer. The home has an Xfinity hard wired security system with 3 cameras that you can monitor from your phone. The back yard is vast and well groomed. Plenty of room to entertain or grow a garden. There is a storage shed to keep all your extras and lawn equipment. Plenty of closet space throughout the home. The home is located on quiet street - country feel just minutes from the city!

19. 2021-11-08
    listed $124,000 Active 1007-char remark

    Show marketing remark (1007 chars)

    This "MUST SEE" immaculately kept "True Ranch Style" Open Floor Plan 3 bed / 1 bath home (Built in 2018) is a "MUST HAVE" Let the large living room welcome you into this Modern Oasis where the floors are seamlessly laminated throughout to include all bedrooms. The owner's spacious retreat has a walk-in closet and is ideal for relaxing as it overlooks the huge tranquil backyard. The home has a laundry room just down the hall and has plenty of storage throughout (No Stairs Required:) The well manicured grounds are ideal for making memories, socializing, or playing games with family and friends in the summer and making snow angels in the winter. The refrigerator, stove, washer, dryer, and shed all convey with the sale of the great home. This Wonderful Charmer Will Not Last Long In This Aggressive Market So Make Plans To See It Today:) Nearby: 10 minute drive to I-376, Schools, Houses of Worship, Parks, Park n' Ride, Shopping Centers, Kennywood Park, and Post Office

20. 2018-09-05
    soldstatus $51,000

ⓘ 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: $3,588 · $299/mo
• Projected year-2 tax: $3,588 · $299/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥96°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,263
• − Mortgage interest: −$7,108
• − Property taxes: −$3,588
• − Insurance: −$634
• − Repairs & maintenance: −$1,221
• − Management: −$1,221
• − Depreciation: −$3,692
• Taxable loss: −$2,201
• Est. tax savings @ 24.0%: +$528
• After-tax cash flow: $378/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: Duquesne City SD
• NCES district ID: 4208010
• Math proficiency: 10% ▲ 4.00%
• Reading proficiency: 15% ▬ 0.00%
• Median HH income: $24,173
• Composite: 12.77/100
• National rank: #14546
• State rank: #611 of 658 in PA

Livability — Duquesne

• Score: 68/100
• State rank: #927
• US rank: #10089

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Duquesne, PA
• City population: 5,186
• Population (ZIP): 5,186

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: Black 44% White 37% Two or more races 16% Hispanic / Latino 3%
• Common ancestry: Romanian 3% Lithuanian 2% Slovene 1%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -5.75%
• Current HPI: 138.4974
• 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

+37.1% since first listed

12 events — show timeline

• 2026-04-30 Pending — West Penn MLS
• 2026-04-21 Contingent — West Penn MLS
• 2026-04-16 Price Changed $69,900 West Penn MLS
• 2026-03-31 Price Changed $90,750 West Penn MLS
• 2026-02-03 Price Changed $100,800 West Penn MLS
• 2025-12-15 Listed $112,000 West Penn MLS
• 2022-02-11 Sold (Public Records) $120,000 Public Records
• 2022-02-02 Sold (MLS) $120,000 West Penn MLS
• 2021-12-05 Pending — West Penn MLS
• 2021-11-21 Listed $124,000 West Penn MLS
• 2021-11-08 Listed $124,000 West Penn MLS
• 2018-09-05 Sold (Public Records) $51,000 Public Records

Property tax history

+48.3%/yr

Latest (2026): $3,588 · +36.5% YoY. Source: county tax records.