411 Macfarlane · Churchill, PA 15235

$129,900

2 bd · 1.0 ba · 966 sqft · SingleFamily public records · 42 Days on market

Built 1948 5,662 sqft lot $134/sqft · 15% below area Est $153k · 15% 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 +22.1/30.0
• ARV discount +14.2/15.0
• DSCR +7.1/10.0
• 1% rule +5.4/10.0
• Rent growth +4.4/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

Key facts

• New flooring
• New countertops
• Upgraded bathrooms

Tags

• UPGRADED BATHROOMS
• KITCHEN REVITALIZATION
• NEW COUNTERTOPS
• NEW FLOORING
• ELECTRIC OUTLETS AND SWITCHES

Property features AI

Exterior

• Parking: Off-street parking for two vehicles
• Utilities: Public water; Public sewer
• Home design: Two-story brick home; Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: Public transportation access nearby; Lot dimensions approx. 60 x 121 x 32 x 126

Interior

• Kitchen: Kitchen on main level (approx. 10 x 8); Dishwasher, microwave, refrigerator, stove; Some gas appliances
• Bedrooms: Upper-level bedrooms (one approx. 11 x 10, another approx. 11 x 16)
• Flooring: Laminate flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Forced air gas heating; Central electric air conditioning
• Interior features: Multi-pane windows with screens and window treatments; Finished basement with interior entry
• Laundry & utility: Lower-level laundry room (approx. 10 x 11)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $209 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $126k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 2.6% in Churchill — 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 74/100 on livability (#486 in PA, #4,477 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety D, amenities F, commute F.
• Penn Hills SD (suburban): math 13% / reading 24% proficiency, ranked #496 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+7.6%/yr); 129 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 7.6% rent growth), your $36k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 28y 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 $60k; list at $130k implies a 116% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $126,003 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 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 1948 — 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. 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?
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: 1.04% ✓
• Cap rate: 8.22%
• Cash-on-cash: 6.90%
• DSCR: 1.31
• GRM: 8.0

CMA / ARV

• ARV (median comp): $152,517
• List price: $129,900
• Delta: -14.83%
• 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
711 Beulah Rd	0.23mi	2/1.0	966 (0%)	8mo	$118,500	$123	83
612 Pennwood Dr	0.25mi	2/1.0	966 (0%)	8mo	$174,000	$180	82
405 Veronica Dr	0.22mi	2/1.0	1,012 (+5%)	1mo	$175,000	$173	81
630 Veronica Dr	0.19mi	2/1.0	924 (-4%)	7mo	$146,000	$158	78
733 Veronica Dr	0.30mi	2/1.5	966 (0%)	7mo	$165,000	$171	78
523 Beulah Rd	0.13mi	3/1.5 (+1)	1,050 (+9%)	1mo	$135,000	$129	72
115 Quail Dr	0.59mi	2/2.0	1,056 (+9%)	1mo	$188,000	$178	52
751 Parkway	0.40mi	3/1.0 (+1)	1,100 (+14%)	6mo	$125,000	$114	48
289 Evaline St	0.64mi	2/1.5	858 (-11%)	3mo	$130,000	$152	47
361 Orin St	0.58mi	3/1.0 (+1)	1,100 (+14%)	0mo	$125,500	$114	45
614 Churchill Ave	0.40mi	3/2.0 (+1)	1,100 (+14%)	5mo	$174,500	$159	45
117 Rose Ave	0.41mi	3/2.0 (+1)	1,093 (+13%)	7mo	$139,000	$127	44

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 · 7.63% rent growth · sell at horizon

5-year hold

• IRR: -0.8%
• Equity multiple: 0.97×
• Total profit: $-1,126
• Equity at exit: $19,369

10-year hold

• IRR: 13.1%
• Equity multiple: 2.26×
• Total profit: $45,996
• Equity at exit: $11,231

Cash invested: $36,372 (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 15235

• Home prices YoY: -34.1%
• Rents YoY: 7.6%
• Active inventory: 129
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,355 high
• Mortgage (P&I): −$681
• Tax from tax record: −$126 /mo · $1,511/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $209

Break-even live

Break-even rent $1,090

Max offer price $129,900

Occupancy floor 80%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
62 Melvin Ct Penn Hills Township, PA	1.0–2.0	1.0	825	$1,549	$1.88	8d	2	0.11mi
124 Dauntless Dr Pittsburgh, PA	3.0	1.0	1100	$1,395	$1.27	24d	1	0.35mi
610 Churchill Ave Pittsburgh, PA	3.0	1.0	1100	$1,395	$1.27	2d	1	0.42mi
3005 Laketon Rd Pittsburgh, PA	3.0	1.0	1100	$1,295	$1.18	15d	1	0.49mi
648 Southern Ave Penn Hills, PA	3.0	1.0	1100	$1,600	$1.45	8d	1	0.51mi
716 Southern Ave Penn Hills, PA	1.0	1.0	999	$950	$0.95	15d	1	0.52mi
716 Southern Ave Unit B Penn Hills Township, PA	1.0	1.0	999	$950	$0.95	44d	1	0.52mi
150 Marshall Dr Pittsburgh, PA	3.0	1.5	923	$1,450	$1.57	24d	1	0.67mi
209 Briarwood Dr Pittsburgh, PA	3.0	2.0	1080	$1,500	$1.39	24d	1	0.68mi
220 Briarwood Dr Pittsburgh, PA	3.0	1.0	869	$1,465	$1.69	15d	1	0.71mi
457 Elias Dr #445 Pittsburgh, PA	2.0	1.0	888	$1,200	$1.35	17d	1	0.72mi
185 Howard St Pittsburgh, PA	2.0	1.0	1000	$1,250	$1.25	44d	1	0.75mi
10043 Calvin St Pittsburgh, PA	2.0	1.0	778	$1,195	$1.54	44d	1	0.88mi
2700 Robinson Blvd Penn Hills, PA	1.0–2.0	1.0	660	$1,100	$1.67	2d	3	1.24mi
127 Stowe Dr Pittsburgh, PA	3.0	1.0	948	$1,495	$1.58	21d	1	1.24mi
325 Poe Dr Pittsburgh, PA	2.0	1.0	1056	$1,599	$1.51	44d	1	1.25mi
261 Universal Rd Unit 261UNIV Pittsburgh, PA	3.0	1.0	1100	$1,225	$1.11	3d	1	1.35mi
1815 Penn Ave Apt 1 Pittsburgh, PA	1.0	1.0	560	$940	$1.68	44d	1	1.47mi
1031 W Findley Dr Pittsburgh, PA	2.0	1.0	686	$1,100	$1.60	24d	1	1.48mi

Listing history 25 events

1. 2026-06-13
   statusdays on market $129,900 Pending 42 DOM
2. 2026-06-09
   days on market $129,900 Contingent 41 DOM
3. 2026-06-08
   days on market $129,900 Contingent 40 DOM
4. 2026-06-07
   days on market $129,900 Contingent 39 DOM
5. 2026-06-05
   days on market $129,900 Contingent 36 DOM
6. 2026-06-03
   days on market $129,900 Contingent 35 DOM
7. 2026-06-02
   days on market $129,900 Contingent 34 DOM
8. 2026-06-01
   days on market $129,900 Contingent 33 DOM
9. 2026-05-31
   days on market $129,900 Contingent 32 DOM
10. 2026-05-03
    historical Contingent 670-char remark
11. 2026-04-29
    listed $129,900 Active 670-char remark
12. 2016-09-08
    price $60,000 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

13. 2016-09-07
    soldstatus $60,000 Sold 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

14. 2016-08-31
    status Under Contract 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

15. 2016-08-31
    price $60,500 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

16. 2016-07-26
    historical Contingent 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

17. 2016-06-21
    price $60,500 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

18. 2016-05-20
    price $62,900 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

19. 2016-04-20
    price $64,900 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

20. 2016-03-29
    listed $65,900 Active 215-char remark

    Show marketing remark (215 chars)

    New wall to wall carpeting. Freshly painted. Finished Family Room with a full bath. Huge Back yard for children. Newer insulated windows. Central A/C. Move in Ready! Home recently approved for ALL Penn Hills Codes.

21. 1998-09-24
    soldstatus $50,300
22. 1998-09-23
    soldstatus $50,300

    Show marketing remark (110 chars)

    PADDLE FANS, CHARMING 2 STORY, NEWER KITCHEN & WIND. FIN. GR, FRESHLY PAINTED BEAUT. GARDEN & YARD

23. 1998-03-08
    listed $51,900

    Show marketing remark (110 chars)

    PADDLE FANS, CHARMING 2 STORY, NEWER KITCHEN & WIND. FIN. GR, FRESHLY PAINTED BEAUT. GARDEN & YARD

24. 1992-09-09
    soldstatus $48,000
25. 1986-08-21
    soldstatus $41,000

ⓘ 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: $1,511 · $126/mo
• Projected year-2 tax: $1,782 · $148/mo
• Expected delta: +$271/yr (+$23/mo · 17.9%)

ⓘ 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 3/10 Moderate 7 d/yr ≥96°F today · 17 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: $16,259
• − Mortgage interest: −$7,276
• − Property taxes: −$1,511
• − Insurance: −$650
• − Repairs & maintenance: −$1,301
• − Management: −$1,301
• − Depreciation: −$3,779
• Taxable income: $442
• Est. tax owed @ 24.0%: −$106
• After-tax cash flow: $2,403/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: Penn Hills SD
• NCES district ID: 4218590
• Math proficiency: 13% ▼ -6.00%
• Reading proficiency: 24% ▼ -14.00%
• Median HH income: $47,794
• Composite: 16.42/100
• National rank: #9192
• State rank: #496 of 539 in PA

Livability — Churchill

• Score: 74/100
• State rank: #486
• US rank: #4477

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Allegheny County · 1,022,028 people
• Metro: Pittsburgh, PA
• Population (ZIP): 33,951
• Household income: $67,240
• Rent vs Own: 25.2% rent · 74.8% own
• Severe rent burden: 955.0

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 0.58)
• Race & ethnicity: White 51% Black 40% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Romanian 5% Serbian 2% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 97% English-only · Other Indo-European 1% Spanish 1%

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: ▼ -121.68%
• Current HPI: 235.4861
• Rent YoY: ▲ 7.63%
• 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

+216.8% since first listed

17 events — show timeline

• 2026-06-10 Pending — West Penn MLS
• 2026-05-03 Contingent — West Penn MLS
• 2026-04-29 Listed $129,900 West Penn MLS
• 2016-09-08 Price Changed $60,000 West Penn MLS
• 2016-09-07 Sold (MLS) $60,000 West Penn MLS
• 2016-08-31 Pending — West Penn MLS
• 2016-08-31 Price Changed $60,500 West Penn MLS
• 2016-07-26 Contingent — West Penn MLS
• 2016-06-21 Price Changed $60,500 West Penn MLS
• 2016-05-20 Price Changed $62,900 West Penn MLS
• 2016-04-20 Price Changed $64,900 West Penn MLS
• 2016-03-29 Listed $65,900 West Penn MLS
• 1998-09-24 Sold (Public Records) $50,300 Public Records
• 1998-09-23 Sold (MLS) $50,300 West Penn MLS
• 1998-03-08 Listed $51,900 West Penn MLS
• 1992-09-09 Sold (Public Records) $48,000 Public Records
• 1986-08-21 Sold (Public Records) $41,000 Public Records

Property tax history

+1.7%/yr

Latest (2026): $1,511 · +0.0% YoY. Source: county tax records.