724 Penn St · Bressler, PA 17113

$45,000

2 bd · 1.0 ba · 1,560 sqft · SingleFamily public records · 21 Days on market

Built 1954 6,098 sqft lot ↓ 44% since listing

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable cape code w/ 2 possible 3 Brs. 1st level BR currently being used as laundry rm. New carpet & vinyl flooring. Great decks on front & rear of home plus screeened-in porch. Wood/coal stove in LR for supplemental heat. C/A, 2 off street parking spaces. Bsmt. has shelving & workbench plus 2 propane heaters. Shed in rear yard. Near wonderful neighborhood park. One year AHS home warranty.

Key facts

• 6,098 sq ft lot
• Built 1954
• Listed 21 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $804 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $45k).
• Recommended offer: $44k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#500 in PA, #4,602 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: amenities F, commute F.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Tri-Community El Sch (math 12% / reading 32%, grade F, #1,221 of 1,518 statewide, top 81%, 428 students, 100% FRL); Central Dauphin East Ms (math 11% / reading 42%, grade F, #410 of 512 statewide, top 80%, 779 students, 99% FRL); Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 100% FRL vs 33% district-wide (67 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 27% at this address vs 41% district-wide (-14 pts) — the specific schools serving this property underperform the Central Dauphin SD average; the district grade overstates school quality for this exact location.
• Market conditions: 68 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $311 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 $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 23y 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.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $44,325 (1.5% below list)

Questions for the listing agent

1. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 3.14% ✓
• Cap rate: 27.73%
• Cash-on-cash: 76.55%
• DSCR: 4.41
• GRM: 2.7

CMA / ARV

• ARV (on-the-fly): $234,000
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
710 Main St	0.12mi	3/1.0 (+1)	1,486 (-5%)	6mo	$210,000	$141	76
791 Chambers St	0.21mi	3/1.0 (+1)	1,400 (-10%)	8mo	$254,000	$181	62
60 Locust St	0.08mi	3/2.0 (+1)	1,694 (+9%)	14mo	$305,000	$180	61
671 Woodview St	0.25mi	3/2.0 (+1)	1,650 (+6%)	11mo	$259,000	$157	61
1047 Main St	0.49mi	3/2.0 (+1)	1,600 (+3%)	14mo	$240,000	$150	52
1106 Main St	0.56mi	3/2.0 (+1)	1,488 (-5%)	8mo	$195,000	$131	51
422 High St	0.37mi	3/1.5 (+1)	1,416 (-9%)	12mo	$198,900	$140	50
44 N Harrisburg St	0.68mi	3/1.0 (+1)	1,364 (-13%)	3mo	$112,500	$82	40
616 2nd St	0.41mi	3/2.0 (+1)	1,366 (-12%)	14mo	$150,000	$110	40
816 Mohn St	0.57mi	3/1.5 (+1)	1,408 (-10%)	13mo	$250,000	$178	40
381 S 7th St	0.70mi	3/2.0 (+1)	1,750 (+12%)	1mo	$233,500	$133	37
1234 Main St	0.70mi	3/2.5 (+1)	1,756 (+13%)	4mo	$280,000	$159	32

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: 76.5%
• Equity multiple: 4.49×
• Total profit: $43,919
• Equity at exit: $6,710

10-year hold

• IRR: 80.2%
• Equity multiple: 9.27×
• Total profit: $104,246
• Equity at exit: $3,891

Cash invested: $12,600 (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 17113

• Home prices YoY: -16.3%
• Active inventory: 68
• Price-to-rent: 2.7×

Monthly cashflow live

• Estimated rent: $1,411 high
• Mortgage (P&I): −$236
• Tax est. 1.5%: −$56 /mo · $675/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $804

Break-even live

Break-even rent $394

Max offer price $45,000

Occupancy floor 38%

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
971 Monroe St Harrisburg, PA	2.0	1.5	1120	$1,600	$1.43	14d	1	0.41mi
640 S 2nd St Steelton, PA	3.0	1.5	1290	$1,400	$1.09	23d	1	0.62mi
25 Chestnut St Steelton, PA	3.0	1.0	1146	$1,250	$1.09	14d	1	0.91mi
465 Sunday Dr Harrisburg, PA	3.0	2.5	1540	$1,895	$1.23	14d	1	1.16mi
1239 Amber Ln Harrisburg, PA	2.0–3.0	2.5	1414	$1,930	$1.36	14d	9	1.17mi
322 Pine St Unit 2 Steelton, PA	3.0	1.0	1100	$995	$0.90	44d	1	1.21mi
314 Lincoln St Steelton, PA	3.0	1.0	1264	$1,595	$1.26	14d	1	1.41mi
325 Lincoln St Steelton, PA	3.0	1.0	1186	$1,250	$1.05	14d	1	1.42mi
316 N 2nd St Steelton, PA	3.0	1.5	1524	$1,600	$1.05	14d	1	1.50mi

Listing history 10 events

1. 2026-03-23
   status Pending
2. 2026-03-02
   listed $45,000 Active
3. 2008-09-08
   soldstatus $115,000
4. 2008-09-05
   soldstatus $115,000 411-char remark

   Show marketing remark (411 chars)

   Adorable cape code w/ 2 possible 3 Brs. 1st level BR currently being used as laundry rm. New carpet & vinyl flooring. Great decks on front & rear of home plus screeened-in porch. Wood/coal stove in LR for supplemental heat. C/A, 2 off street parking spaces. Bsmt. has shelving & workbench plus 2 propane heaters. Shed in rear yard. Near wonderful neighborhood park. One year AHS home warranty.

5. 2008-08-07
   historical 411-char remark

   Show marketing remark (411 chars)

   Adorable cape code w/ 2 possible 3 Brs. 1st level BR currently being used as laundry rm. New carpet & vinyl flooring. Great decks on front & rear of home plus screeened-in porch. Wood/coal stove in LR for supplemental heat. C/A, 2 off street parking spaces. Bsmt. has shelving & workbench plus 2 propane heaters. Shed in rear yard. Near wonderful neighborhood park. One year AHS home warranty.

6. 2008-05-12
   listed $110,000 411-char remark

   Show marketing remark (411 chars)

   Adorable cape code w/ 2 possible 3 Brs. 1st level BR currently being used as laundry rm. New carpet & vinyl flooring. Great decks on front & rear of home plus screeened-in porch. Wood/coal stove in LR for supplemental heat. C/A, 2 off street parking spaces. Bsmt. has shelving & workbench plus 2 propane heaters. Shed in rear yard. Near wonderful neighborhood park. One year AHS home warranty.

7. 2003-08-14
   historical 236-char remark

   Show marketing remark (236 chars)

   Swatara Township cape cod with lot for sale next door at 1726 Penn. Lot is 75x120.) Quaint two or three bedroom with oil forced heat, central air, screened porch and back deck. Appliances remain. Major mechanicals have all been updated.

8. 2003-08-14
   soldstatus $78,000

   Show marketing remark (236 chars)

   Swatara Township cape cod with lot for sale next door at 1726 Penn. Lot is 75x120.) Quaint two or three bedroom with oil forced heat, central air, screened porch and back deck. Appliances remain. Major mechanicals have all been updated.

9. 2003-08-13
   soldstatus $78,000 236-char remark

   Show marketing remark (236 chars)

   Swatara Township cape cod with lot for sale next door at 1726 Penn. Lot is 75x120.) Quaint two or three bedroom with oil forced heat, central air, screened porch and back deck. Appliances remain. Major mechanicals have all been updated.

10. 2003-05-13
    listed $79,900 236-char remark

    Show marketing remark (236 chars)

    Swatara Township cape cod with lot for sale next door at 1726 Penn. Lot is 75x120.) Quaint two or three bedroom with oil forced heat, central air, screened porch and back deck. Appliances remain. Major mechanicals have all been updated.

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,932
• − Mortgage interest: −$2,521
• − Property taxes: −$675
• − Insurance: −$225
• − Repairs & maintenance: −$1,355
• − Management: −$1,355
• − Depreciation: −$1,309
• Taxable income: $9,493
• Est. tax owed @ 24.0%: −$2,278
• After-tax cash flow: $7,366/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: Central Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Bressler

• Score: 74/100
• State rank: #500
• US rank: #4602

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bressler, PA
• County: Dauphin County · 247,857 people
• City population: 11,786
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 11,724
• Household income: $68,244
• Rent vs Own: 37.6% rent · 62.4% own
• Severe rent burden: 338.0

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 48% Hispanic / Latino 24% Black 22% Two or more races 19% Native American 2% Asian 2%
• Hispanic origin (detail): Mexican 7% Puerto Rican 11% Cuban 2%
• Common ancestry: Romanian 1% Lithuanian 1% Iranian 1%
• Foreign-born: 7% · Canada, India
• Languages at home: 80% English-only · Spanish 17% Other Indo-European 1% Russian/Polish/Slavic 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: ▼ -54.73%
• Current HPI: 281.6906
• Rent YoY: —
• 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

-43.7% since first listed

10 events — show timeline

• 2026-03-23 Pending — BRIGHT MLS
• 2026-03-02 Listed $45,000 BRIGHT MLS
• 2008-09-08 Sold (Public Records) $115,000 Public Records
• 2008-09-05 Sold (MLS) $115,000 BRIGHT MLS
• 2008-08-07 Listing Removed — BRIGHT MLS
• 2008-05-12 Listed $110,000 BRIGHT MLS
• 2003-08-14 Sold (Public Records) $78,000 Public Records
• 2003-08-14 Listing Removed — BRIGHT MLS
• 2003-08-13 Sold (MLS) $78,000 BRIGHT MLS
• 2003-05-13 Listed $79,900 BRIGHT MLS

Property tax history

+1.9%/yr

Latest (2026): $2,405 · +5.5% YoY. Source: county tax records.