304 W Fourth St · Port Royal, PA 17082

$210,000

4 bd · 1.0 ba · 1,904 sqft · SingleFamily public records · 11 Days on market

Built 1900 0.42 ac lot Est $209k · at est.

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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 +7.4/15.0
• Appreciation +6.9/10.0
• Livability +3.2/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Small town living at it's best! Well maintained 1904 square foot 4 bedroom 1.25 bath home on a . 42 acre lot with a fenced back yard and raised garden beds. The first floor consists of kitchen, dining room, living room, family room, foyer with a small powder room, and enclosed porch. On the second floor you will find 4 bedrooms and a full bath. There is also a full attic with stairs. 1 car detached garage with sheds attached in the rear. There is also an additional shed that needs some work and a wood shed. Oil Hot Water heat. New Metal Roof in 2020. New 200 amp electric service and new box just installed. Close to the Juniata River for fishing and kayaking. Minutes from Rt 322 when the bridge is finished being repaired. Two free season passes to the Port Royal Speedway to the new owners of this home.

Key facts

• Screened-in porch
• Generous deck
• Soundproof office

Tags

• SOUNDPROOF OFFICE
• SCREENED-IN PORCH
• LARGE FENCED-IN BACKYARD
• GENEROUS DECK
• OFF-STREET PARKING
• DETACHED GARAGE

Property features AI

Finance

• Other: Pets allowed with no restrictions
• Financial info: Lease not considered
• HOA & community: Ground rent paid annually

Exterior

• Parking: Detached garage (1 car) with front entry and additional storage area; Driveway; On-street parking
• Utilities: Public water; Public sewer
• Home design: Detached property; Very good condition; Fee simple ownership; Not in a federal flood zone
• Construction: Frame construction; Stone foundation; Metal roof; Garage(s) and shed on property; Estimated year built
• Exterior features: Front yard and rear yard; Deck(s); Outbuilding(s); Street lights; Fully fenced

Interior

• Kitchen: Dishwasher; Electric range/oven; Refrigerator
• Bedrooms: 4 bedrooms on the main level
• Flooring: Luxury vinyl plank
• Bathrooms: 1 full bathroom on the main level; 1 half bathroom on the main level
• Heating & cooling: Heating: Oil and other; Cooling fuel: Electric; 200+ Amp electric service; Electric hot water
• Interior features: Attic; Dining area; Basement with connecting stairway (unfinished)
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $1k ($16k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $210k).

Location & tenants

• Location reads 63/100 on livability (#1,305 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Juniata County SD (rural): math 25% / reading 43% proficiency, ranked #423 of 539 in PA (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Juniata Shs (math 42%, 541 students, 50% FRL) — zoned schools average 50% FRL vs 34% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 6 active listings in the ZIP; 46 units permitted in Juniata County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($1k loan paydown + $8k appreciation (3.8% local appreciation)).
• Juniata County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.8% appreciation + 3.0% rent growth), your $59k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 3y 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 $150k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $210,000

Questions for the listing agent

1. Built in 1900 — 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. 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: 1.59% ✓
• Cap rate: 13.76%
• Cash-on-cash: 26.65%
• DSCR: 2.19
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $209,440
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
512 Market St	0.16mi	4/1.5	1,640 (-14%)	6mo	$179,900	$110	62

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.79% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 34.1%
• Equity multiple: 3.00×
• Total profit: $117,380
• Equity at exit: $103,929

10-year hold

• IRR: 33.5%
• Equity multiple: 5.94×
• Total profit: $290,618
• Equity at exit: $167,985

Cash invested: $58,800 (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 17082

• Home prices YoY: 2.4%
• Active inventory: 6
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $3,341 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$145 /mo · $1,737/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$702
• Net cashflow: $1,306

Break-even live

Break-even rent $1,688

Max offer price $210,000

Occupancy floor 56%

Sensitivity live

Price	-10% $1,425	-5% $1,365	+0% $1,306	+5% $1,246	+10% $1,187
Rent	-10% $1,042	-5% $1,174	+0% $1,306	+5% $1,438	+10% $1,570
Rate	-1.0pp $1,412	-0.5pp $1,359	base $1,306	+0.5pp $1,251	+1.0pp $1,196

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-04-29
   status Pending
2. 2026-04-18
   listed $210,000 Active
3. 2025-12-11
   historical
4. 2025-10-15
   status Active
5. 2025-09-18
   status Pending
6. 2025-06-11
   listed $225,000 Active
7. 2023-08-25
   soldstatus $149,900
8. 2023-08-23
   soldstatus $149,900 814-char remark

   Show marketing remark (814 chars)

   Small town living at it's best! Well maintained 1904 square foot 4 bedroom 1.25 bath home on a . 42 acre lot with a fenced back yard and raised garden beds. The first floor consists of kitchen, dining room, living room, family room, foyer with a small powder room, and enclosed porch. On the second floor you will find 4 bedrooms and a full bath. There is also a full attic with stairs. 1 car detached garage with sheds attached in the rear. There is also an additional shed that needs some work and a wood shed. Oil Hot Water heat. New Metal Roof in 2020. New 200 amp electric service and new box just installed. Close to the Juniata River for fishing and kayaking. Minutes from Rt 322 when the bridge is finished being repaired. Two free season passes to the Port Royal Speedway to the new owners of this home.

9. 2023-08-23
   soldstatus $149,900 Closed

   Show marketing remark (814 chars)

   Small town living at it's best! Well maintained 1904 square foot 4 bedroom 1.25 bath home on a . 42 acre lot with a fenced back yard and raised garden beds. The first floor consists of kitchen, dining room, living room, family room, foyer with a small powder room, and enclosed porch. On the second floor you will find 4 bedrooms and a full bath. There is also a full attic with stairs. 1 car detached garage with sheds attached in the rear. There is also an additional shed that needs some work and a wood shed. Oil Hot Water heat. New Metal Roof in 2020. New 200 amp electric service and new box just installed. Close to the Juniata River for fishing and kayaking. Minutes from Rt 322 when the bridge is finished being repaired. Two free season passes to the Port Royal Speedway to the new owners of this home.

10. 2023-07-16
    status Pending
11. 2023-07-13
    listed $149,900 814-char remark

    Show marketing remark (814 chars)

    Small town living at it's best! Well maintained 1904 square foot 4 bedroom 1.25 bath home on a . 42 acre lot with a fenced back yard and raised garden beds. The first floor consists of kitchen, dining room, living room, family room, foyer with a small powder room, and enclosed porch. On the second floor you will find 4 bedrooms and a full bath. There is also a full attic with stairs. 1 car detached garage with sheds attached in the rear. There is also an additional shed that needs some work and a wood shed. Oil Hot Water heat. New Metal Roof in 2020. New 200 amp electric service and new box just installed. Close to the Juniata River for fishing and kayaking. Minutes from Rt 322 when the bridge is finished being repaired. Two free season passes to the Port Royal Speedway to the new owners of this home.

12. 2023-07-13
    listed $149,900 Active

    Show marketing remark (814 chars)

    Small town living at it's best! Well maintained 1904 square foot 4 bedroom 1.25 bath home on a . 42 acre lot with a fenced back yard and raised garden beds. The first floor consists of kitchen, dining room, living room, family room, foyer with a small powder room, and enclosed porch. On the second floor you will find 4 bedrooms and a full bath. There is also a full attic with stairs. 1 car detached garage with sheds attached in the rear. There is also an additional shed that needs some work and a wood shed. Oil Hot Water heat. New Metal Roof in 2020. New 200 amp electric service and new box just installed. Close to the Juniata River for fishing and kayaking. Minutes from Rt 322 when the bridge is finished being repaired. Two free season passes to the Port Royal Speedway to the new owners of this home.

ⓘ 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: $1,737 · $145/mo
• Projected year-2 tax: $2,528 · $211/mo
• Expected delta: +$790/yr (+$66/mo · 45.5%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,092
• − Mortgage interest: −$11,763
• − Property taxes: −$1,737
• − Insurance: −$1,050
• − Repairs & maintenance: −$3,207
• − Management: −$3,207
• − Depreciation: −$6,109
• Taxable income: $13,018
• Est. tax owed @ 24.0%: −$3,124
• After-tax cash flow: $12,546/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: Juniata County SD
• NCES district ID: 4212600
• Math proficiency: 25% ▼ -13.00%
• Reading proficiency: 43% ▼ -10.00%
• Median HH income: $46,589
• Composite: 29.12/100
• National rank: #6591
• State rank: #423 of 539 in PA

Livability — Port Royal

• Score: 63/100
• State rank: #1305
• US rank: #16025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Royal, PA
• Population (ZIP): 2,985

Population outlook (Juniata County) Hauer SSP2

• Today (2025): 24,489 people
• By 2030: 24,022 · -1.9%
• By 2040: 22,520 · -8.0%
• By 2050: 20,382 · -16.8%
• By 2075: 15,680 · -36.0%
• By 2100: 11,150 · -54.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 4% Two or more races 4% Black 2%
• Common ancestry: Polish 10% Slovak 3% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 88% English-only · German/W. Germanic 8% Spanish 3%

Political lean MEDSL · Juniata

• 2024 margin: Solid R (+61.4) · D 18.9% · R 80.3%
• 2008→2024 swing: -26.2pp toward R · 2008: -35.2pp · 2024: -61.4pp
• All cycles: 2024: R+61.4 2020: R+61.4 2016: R+61.8 2012: R+45.2 2008: R+35.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.79%
• Current HPI: 163.8669
• 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

+40.1% since first listed

12 events — show timeline

• 2026-04-29 Pending — BRIGHT MLS
• 2026-04-18 Listed $210,000 BRIGHT MLS
• 2025-12-11 Listing Removed — BRIGHT MLS
• 2025-10-15 Relisted — BRIGHT MLS
• 2025-09-18 Pending — BRIGHT MLS
• 2025-06-11 Listed $225,000 BRIGHT MLS
• 2023-08-25 Sold (Public Records) $149,900 Public Records
• 2023-08-23 Sold (MLS) $149,900 BRIGHT MLS
• 2023-08-23 Sold (MLS) $149,900 BRIGHT MLS
• 2023-07-16 Pending — BRIGHT MLS
• 2023-07-13 Listed $149,900 BRIGHT MLS
• 2023-07-13 Listed $149,900 BRIGHT MLS

Property tax history

+4.4%/yr

Latest (2026): $1,737 · +2.7% YoY. Source: county tax records.