3077 Auberle St · North Versailles, PA 15132

$34,999

4 bd · 1.5 ba · 1,533 sqft · SingleFamily public records · 37 Days on market

Built 1900 2,286 sqft lot $23/sqft · 68% below area ↓ 41% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Two story home with four bedrooms. Enclosed porch for added living space. First floor master. Full, unfinished basement . Private and wooded rear yard.

Key facts

• Backs up to the wood
• 2,286 sq ft lot
• Built 1900

Tags

• EAST ALLEGHENY SCHOOL DISTRICT
• BACKS UP TO THE WOOD

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer
• Home design: 2-story brick residence; Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Public transportation nearby

Interior

• Kitchen: Kitchen on main level 10x19
• Bedrooms: Bedroom (Upper) 13x9; Bedroom (Upper) 13x9; Bedroom (Upper) 16x11; Bedroom (Main) 14x11
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Forced air heating (gas); Central air conditioning
• Interior features: Full basement with interior entry; 6 total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $35k.

Deal economics

• At list price, monthly cash flow is $919 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $35k).
• Recommended offer: $34k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• East Allegheny SD (suburban): math 14% / reading 30% proficiency, ranked #485 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 115 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• At $1,540/mo this rent would consume 52% of the median local household income ($35k/yr) (locally 1239% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $242 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $10k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($34k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 25y ago; this cycle's ask has dropped $15k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $21k; list at $35k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $33,949 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 4.40% ✓
• Cap rate: 39.72%
• Cash-on-cash: 119.39%
• DSCR: 6.31
• GRM: 1.9

CMA / ARV

• ARV (median comp): $108,689
• List price: $34,999
• Delta: -67.80%
• 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
831 Lincoln Way	0.37mi	3/2.0 (-1)	1,530 (-0%)	13mo	$200,000	$131	65
1002 Summit St	0.61mi	3/2.0 (-1)	1,462 (-5%)	2mo	$157,000	$107	55
1140 Franklin St	0.67mi	3/2.0 (-1)	1,525 (-0%)	8mo	$140,000	$92	54
908 Franklin St	0.45mi	3/1.0 (-1)	1,702 (+11%)	1mo	$70,000	$41	53
124 Park Way	0.45mi	3/1.0 (-1)	1,411 (-8%)	9mo	$149,900	$106	52
509 Fawcett Ave	0.42mi	3/1.0 (-1)	1,650 (+8%)	14mo	$20,000	$12	49
2406 Highland Ave	0.59mi	3/1.5 (-1)	1,576 (+3%)	19mo	$22,000	$14	47
3106 State St	0.71mi	3/1.0 (-1)	1,480 (-4%)	14mo	$40,000	$27	42
905 Franklin	0.42mi	3/1.5 (-1)	1,320 (-14%)	15mo	$69,900	$53	39
1134 Lincoln Way	0.64mi	3/2.5 (-1)	1,596 (+4%)	18mo	$195,800	$123	39
611 Lynda Ln	0.73mi	3/2.0 (-1)	1,452 (-5%)	14mo	$150,000	$103	39
2304 Oneil Blvd	0.69mi	3/3.0 (-1)	1,600 (+4%)	16mo	$200,000	$125	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: —
• Equity multiple: 6.40×
• Total profit: $52,948
• Equity at exit: $5,218

10-year hold

• IRR: —
• Equity multiple: 13.42×
• Total profit: $121,748
• Equity at exit: $3,026

Cash invested: $9,800 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 115
• Price-to-rent: 1.9×

Monthly cashflow live

• Estimated rent: $1,540 high
• Mortgage (P&I): −$184
• Tax est. 1.5%: −$44 /mo · $525/yr
• Insurance: −$15
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $919

Break-even live

Break-even rent $376

Max offer price $34,999

Occupancy floor 35%

Sensitivity live

Price	-10% $944	-5% $932	+0% $919	+5% $907	+10% $895
Rent	-10% $798	-5% $859	+0% $919	+5% $980	+10% $1,041
Rate	-1.0pp $937	-0.5pp $928	base $919	+0.5pp $910	+1.0pp $901

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: $8,750
• Closing costs: $1,050
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	45d	1	0.73mi
201 S 4th St Duquesne, PA	3.0	1.0	1200	$1,385	$1.15	45d	1	1.18mi
200 Delaware Ave North Versailles, PA	3.0	1.5	1470	$1,450	$0.99	16d	1	1.20mi
827 Hinnerman St Duquesne, PA	3.0	1.0	1136	$1,250	$1.10	25d	1	1.25mi
19 S 6th St Duquesne, PA	3.0	1.0	2100	$1,675	$0.80	25d	1	1.36mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	45d	1	1.43mi

Listing history 19 events

1. 2026-06-10
   status $34,999 Active 37 DOM
2. 2026-06-09
   days on market $34,999 Contingent 37 DOM
3. 2026-06-08
   days on market $34,999 Contingent 36 DOM
4. 2026-06-07
   days on market $34,999 Contingent 35 DOM
5. 2026-06-03
   days on market $34,999 Contingent 31 DOM
6. 2026-06-02
   days on market $34,999 Contingent 30 DOM
7. 2026-06-01
   days on market $34,999 Contingent 29 DOM
8. 2026-06-01
   status $34,999 Contingent 28 DOM
9. 2026-05-31
   days on market $34,999 Active 28 DOM
10. 2026-05-18
    price $39,999 545-char remark
11. 2026-05-11
    price $44,999 545-char remark
12. 2026-05-03
    listed $49,999 Active 545-char remark
13. 2020-04-08
    soldstatus $21,000 Sold 151-char remark

    Show marketing remark (151 chars)

    Two story home with four bedrooms. Enclosed porch for added living space. First floor master. Full, unfinished basement . Private and wooded rear yard.

14. 2020-03-10
    status Under Contract 151-char remark

    Show marketing remark (151 chars)

    Two story home with four bedrooms. Enclosed porch for added living space. First floor master. Full, unfinished basement . Private and wooded rear yard.

15. 2020-03-02
    historical Contingent 151-char remark

    Show marketing remark (151 chars)

    Two story home with four bedrooms. Enclosed porch for added living space. First floor master. Full, unfinished basement . Private and wooded rear yard.

16. 2020-02-21
    listed $20,000 Active 151-char remark

    Show marketing remark (151 chars)

    Two story home with four bedrooms. Enclosed porch for added living space. First floor master. Full, unfinished basement . Private and wooded rear yard.

17. 2002-07-12
    soldstatus $55,000
18. 2002-07-05
    soldstatus $55,000

    Show marketing remark (110 chars)

    NEWER ROOF FURNACE/CA KITCH/BTHS/CARP. DOORS/WINDWS. 17X10ENCLOSED PORCH * * WOW * * DON'T MISS THIS ONE @@

19. 2001-08-29
    listed $59,000

    Show marketing remark (110 chars)

    NEWER ROOF FURNACE/CA KITCH/BTHS/CARP. DOORS/WINDWS. 17X10ENCLOSED PORCH * * WOW * * DON'T MISS THIS ONE @@

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (unshaded) · 99% 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
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,484
• − Mortgage interest: −$1,960
• − Property taxes: −$525
• − Insurance: −$841
• − Repairs & maintenance: −$1,479
• − Management: −$1,479
• − Depreciation: −$1,018
• Taxable income: $11,182
• Est. tax owed @ 24.0%: −$2,684
• After-tax cash flow: $8,350/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 Allegheny SD
• NCES district ID: 4208060
• Math proficiency: 14% ▼ -13.00%
• Reading proficiency: 30% ▼ -19.00%
• Median HH income: $38,748
• Composite: 18.44/100
• National rank: #8930
• State rank: #485 of 539 in PA

Livability — North Versailles

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

Census & demographics

• County: Allegheny County · 1,022,028 people
• City population: 10,043
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

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 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• 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: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• Metro: Pittsburgh, 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

-40.7% since first listed

13 events — show timeline

• 2026-06-09 Relisted — West Penn MLS
• 2026-05-31 Contingent — West Penn MLS
• 2026-05-23 Price Changed $34,999 West Penn MLS
• 2026-05-18 Price Changed $39,999 West Penn MLS
• 2026-05-11 Price Changed $44,999 West Penn MLS
• 2026-05-03 Listed $49,999 West Penn MLS
• 2020-04-08 Sold (MLS) $21,000 West Penn MLS
• 2020-03-10 Pending — West Penn MLS
• 2020-03-02 Contingent — West Penn MLS
• 2020-02-21 Listed $20,000 West Penn MLS
• 2002-07-12 Sold (Public Records) $55,000 Public Records
• 2002-07-05 Sold (MLS) $55,000 West Penn MLS
• 2001-08-29 Listed $59,000 West Penn MLS

Property tax history

+3.9%/yr

Latest (2026): $2,005 · +0.0% YoY. Source: county tax records.