2231 Route 553 Hwy · Clymer, PA 15765

$142,900

4 bd · 1.0 ba · 2,210 sqft · SingleFamily public records · 8 Days on market

Built 1912 8,712 sqft lot ↓ 11% since listing

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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 +17.7/30.0
• ARV discount +7.5/15.0
• Appreciation +5.8/10.0
• DSCR +5.5/10.0
• 1% rule +4.5/10.0
• Livability +3.4/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this spacious 4 bedroom brick home! Features 4 nice size bedrooms, 2 bathrooms, nice kitchen with island and appliances, large living room and dining room. This home has a lot of nice features such as a walk up attic for storage, large yard for family gatherings, along with a detached garage. This home has a lovely entry, first floor bath and first floor laundry! Looking for space and character? Look no further!

Key facts

• Brick residence
• Expansive yard
• Charming kitchen

Tags

• BRICK RESIDENCE
• CHARMING KITCHEN
• WALK-UP ATTIC
• EXPANSIVE YARD
• DETACHED GARAGE

Property features AI

Exterior

• Parking: Detached garage; 1 total parking space
• Utilities: Public water; Public sewer
• Home design: 2 stories; Resale property
• Construction: Brick construction; Asphalt roof
• Exterior features: 60 x 142 lot

Interior

• Kitchen: Dishwasher; Stove; Refrigerator; Some electric appliances
• Flooring: Ceramic tile; Hardwood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating; Oil heating
• Interior features: Kitchen island
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $143k.

Deal economics

• At list price, monthly cash flow is $116 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $136k (5.0% below list).
• Recommended offer: $136k (5.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#966 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• Penns Manor Area SD (rural): math 24% / reading 47% proficiency, ranked #410 of 539 in PA (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 2 active listings in the ZIP; 44 units permitted in Indiana County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($988 loan paydown + $2k appreciation (1.5% local appreciation)).
• Indiana County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.5% appreciation + 3.0% rent growth), your $40k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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 1912 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,733 (5.0% below list)

Questions for the listing agent

1. Built in 1912 — 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 D-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. 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.
5. 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.
6. 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: 0.95% ✗
• Cap rate: 7.26%
• Cash-on-cash: 3.47%
• DSCR: 1.15
• GRM: 8.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.53% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.6%
• Equity multiple: 1.35×
• Total profit: $13,807
• Equity at exit: $52,787

10-year hold

• IRR: 10.3%
• Equity multiple: 2.33×
• Total profit: $53,093
• Equity at exit: $73,355

Cash invested: $40,012 (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 15765

• Home prices YoY: 1.2%
• Active inventory: 2
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,357 medium
• Mortgage (P&I): −$749
• Tax from tax record: −$148 /mo · $1,772/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $116

Break-even live

Break-even rent $1,211

Max offer price $142,900

Occupancy floor 86%

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: $35,725
• Closing costs: $4,287
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-19
   days on market $142,900 Active 8 DOM
2. 2026-06-18
   days on market $142,900 Active 7 DOM
3. 2026-06-17
   days on market $142,900 Active 6 DOM
4. 2026-06-16
   days on market $142,900 Active 5 DOM
5. 2026-06-15
   days on market $142,900 Active 4 DOM
6. 2026-06-14
   days on market $142,900 Active 2 DOM
7. 2026-06-12
   remarks 693-char remark
8. 2026-06-12
   listed $142,900 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: $1,772 · $148/mo
• Projected year-2 tax: $2,015 · $168/mo
• Expected delta: +$243/yr (+$20/mo · 13.7%)

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥93°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,288
• − Mortgage interest: −$8,005
• − Property taxes: −$1,772
• − Insurance: −$714
• − Repairs & maintenance: −$1,303
• − Management: −$1,303
• − Depreciation: −$4,157
• Taxable loss: −$966
• Est. tax savings @ 24.0%: +$232
• After-tax cash flow: $1,621/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: Penns Manor Area SD
• NCES district ID: 4218780
• Math proficiency: 24% ▼ -16.00%
• Reading proficiency: 47% ▼ -9.00%
• Median HH income: $46,434
• Composite: 30.33/100
• National rank: #6271
• State rank: #410 of 539 in PA

Livability — Clymer

• Score: 67/100
• State rank: #966
• US rank: #10555

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,538

Population outlook (Indiana County) Hauer SSP2

• Today (2025): 84,294 people
• By 2030: 81,773 · -3.0%
• By 2040: 75,213 · -10.8%
• By 2050: 69,348 · -17.7%
• By 2075: 57,951 · -31.3%
• By 2100: 47,313 · -43.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 8%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Romanian 6% Iranian 2% Slovak 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · Indiana

• 2024 margin: Solid R (+39.1) · D 30.1% · R 69.2%
• 2008→2024 swing: -32.0pp toward R · 2008: -7.1pp · 2024: -39.1pp
• All cycles: 2024: R+39.1 2020: R+37.5 2016: R+35.6 2012: R+18.8 2008: R+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.53%
• Current HPI: 128.0242
• 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

-10.6% since first listed

4 events — show timeline

• 2026-06-11 Listed $142,900 West Penn MLS
• 2026-01-23 Delisted — West Penn MLS
• 2025-05-29 Price Changed $154,900 West Penn MLS
• 2025-01-28 Listed $159,900 West Penn MLS

Property tax history

+3.9%/yr

Latest (2026): $1,772 · +4.1% YoY. Source: county tax records.