632 S 5th St · Duquesne, PA 15110

$34,900

2 bd · 1.0 ba · 1,054 sqft · SingleFamily public records · 10 Days on market

Built 1936 2,744 sqft lot Est $65k · 47% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

Calling all investors. .. turnkey investment property in Duquesne. Very well maintained investment property with many updates. Interior pictures will be posted soon.

Key facts

• Covered front porch
• Local amenities
• Off-street parking

Tags

• COVERED FRONT PORCH
• OFF-STREET PARKING
• VALUE-ADD OPPORTUNITY
• ESTABLISHED NEIGHBORHOOD
• LOCAL AMENITIES
• PUBLIC TRANSPORTATION

Property features AI

Finance

• HOA & community: Public transportation nearby

Exterior

• Parking: Off-street parking for 2 vehicles
• Utilities: Public water; Public sewer
• Home design: Two-story frame residence; Resale property
• Construction: Frame construction
• Exterior features: Lot dimensions approximately 107 x 25; Lot area about 0.063 acres

Interior

• Bathrooms: One full bathroom
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: Interior entry basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $35k.

Deal economics

• At list price, monthly cash flow is $708 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $35k).

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+, schools F, crime 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.
• Market conditions: 19 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $241 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 ~2 years — after that, you're playing with house money.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 24y ago; this cycle's ask has dropped $5k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $10k; list at $35k implies a 249% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1936 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $34,900

Questions for the listing agent

1. Built in 1936 — 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. 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?
4. 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?
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: 3.53% ✓
• Cap rate: 30.63%
• Cash-on-cash: 86.92%
• DSCR: 4.87
• GRM: 2.4

CMA / ARV

• ARV (on-the-fly): $65,348
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
920 Maryland Ave	0.28mi	2/1.0	1,020 (-3%)	16mo	$63,000	$62	69
1314 Crawford Ave	0.44mi	2/1.0	1,092 (+4%)	7mo	$23,000	$21	68
1705 Texas Ave	0.64mi	2/1.0	1,053 (-0%)	4mo	$31,900	$30	67
507 S 5th St	0.11mi	3/1.0 (+1)	1,176 (+12%)	5mo	$67,500	$57	66
412 Viola Ave	0.28mi	2/1.0	930 (-12%)	9mo	$42,500	$46	59
701 Mehaffey St	0.13mi	3/1.5 (+1)	1,163 (+10%)	16mo	$48,000	$41	57
1406 Maryland Ave	0.51mi	2/1.5	962 (-9%)	5mo	$90,000	$94	56
1008 Lowery St	0.40mi	3/1.0 (+1)	1,184 (+12%)	11mo	$95,000	$80	47
1403 Pennsylvania Ave	0.46mi	2/1.5	952 (-10%)	17mo	$37,000	$39	46
1402 Kennedy Ave	0.51mi	3/1.5 (+1)	1,136 (+8%)	14mo	$109,000	$96	45
1403 Maryland Ave	0.52mi	2/1.5	904 (-14%)	12mo	$102,500	$113	40
1728 Iowa Ave	0.73mi	2/1.0	900 (-15%)	7mo	$65,000	$72	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: 87.5%
• Equity multiple: 5.04×
• Total profit: $39,461
• Equity at exit: $5,204

10-year hold

• IRR: 90.5%
• Equity multiple: 10.47×
• Total profit: $92,548
• Equity at exit: $3,018

Cash invested: $9,772 (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: 2.4×

Monthly cashflow live

• Estimated rent: $1,231 high
• Mortgage (P&I): −$183
• Tax from tax record: −$67 /mo · $809/yr
• Insurance: −$15
• HOA: −$0
• Vacancy / Maint / Mgmt: −$259
• Net cashflow: $708

Break-even live

Break-even rent $335

Max offer price $34,900

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: $8,725
• Closing costs: $1,047
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
827 Hinnerman St Duquesne, PA	3.0	1.0	1136	$1,250	$1.10	23d	1	0.19mi
1010 Savey St Duquesne, PA	2.0	1.0	1000	$1,200	$1.20	43d	1	0.25mi
207 Auriles St Duquesne, PA	2.0	1.0	950	$950	$1.00	43d	1	0.27mi
201 S 4th St Duquesne, PA	3.0	1.0	1200	$1,385	$1.15	43d	1	0.34mi
1133 Maryland Ave Unit 3 Duquesne, PA	1.0	1.0	750	$1,150	$1.53	14d	1	0.37mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	43d	1	0.44mi
1744 Highland Ave West Mifflin, PA	2.0	1.0	1100	$1,549	$1.41	4d	1	0.70mi
1704 Anna Ave West Mifflin, PA	2.0	1.5	1160	$1,395	$1.20	23d	1	1.06mi
715 Grant Avenue Ext West Mifflin, PA	3.0	2.0	1400	$1,450	$1.04	7d	1	1.16mi
604 Shaw Ave Unit 101 McKeesport, PA	2.0	1.5	1050	$900	$0.86	14d	1	1.23mi
604 Shaw Ave Unit 102 McKeesport, PA	1.0	1.0	750	$750	$1.00	43d	1	1.23mi
604 Shaw Ave McKeesport, PA	2.0	1.0–1.5	800	$900	$1.12	12d	3	1.23mi
800 Richford St Duquesne, PA	3.0	1.0	1300	$1,600	$1.23	23d	1	1.25mi
1114-1116 Ohio St Unit 2R McKeesport, PA	2.0	1.0	878	$850	$0.97	16d	1	1.36mi
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	43d	1	1.39mi

Listing history 8 events

1. 2026-06-18
   days on market $34,900 Active 10 DOM
2. 2026-06-17
   days on market $34,900 Active 9 DOM
3. 2026-06-16
   days on market $34,900 Active 8 DOM
4. 2026-06-16
   price $34,900 Active 7 DOM
5. 2026-06-15
   days on market $39,900 Active 7 DOM
6. 2026-06-13
   days on market $39,900 Active 5 DOM
7. 2026-06-08
   remarks 699-char remark
8. 2026-06-08
   listed $39,900 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: $809 · $67/mo
• Projected year-2 tax: $809 · $67/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
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,777
• − Mortgage interest: −$1,955
• − Property taxes: −$809
• − Insurance: −$174
• − Repairs & maintenance: −$1,182
• − Management: −$1,182
• − Depreciation: −$1,015
• Taxable income: $8,459
• Est. tax owed @ 24.0%: −$2,030
• After-tax cash flow: $6,464/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

+81.4% since first listed

10 events — show timeline

• 2026-06-08 Listed $39,900 West Penn MLS
• 2019-11-23 Delisted — West Penn MLS
• 2018-11-23 Listed $29,900 West Penn MLS
• 2016-06-15 Sold (Public Records) $10,000 Public Records
• 2012-02-03 Sold (Public Records) $16,500 Public Records
• 2004-12-13 Sold (Public Records) $15,000 Public Records
• 2003-01-10 Sold (MLS) $9,730 West Penn MLS
• 2002-07-19 Listed $12,000 West Penn MLS
• 1994-08-30 Sold (Public Records) $22,000 Public Records
• 1994-08-30 Sold (Public Records) $22,000 Public Records

Property tax history

+3.5%/yr

Latest (2026): $809 · +2.9% YoY. Source: county tax records.