352 Susquehanna Ave · South Renovo, PA 17764

$59,900

3 bd · 1.0 ba · 1,564 sqft · SingleFamily public records · 2 Days on market

Built 1910 3,049 sqft lot $38/sqft · 31% below area Est $86k · 31% 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
• Schools +3.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0

Listing remarks

Clinton County, South Renovo, PA. FULL VIDEO WALK THRU TOUR AVAILABLE. .JUST ASK!! affordable home with lot taxes ($510 a year!), natural gas, metal roof, small fenced yard, off street parking, beautiful Riverview but flood insurance not required! close to state lands, atv trails, bush dam, hunting, fishing, great for a year round home, 2nd home, camp. ask about financing options.

Key facts

• Metal roof
• Off street parking
• Small fenced yard

Tags

• NATURAL GAS
• METAL ROOF
• SMALL FENCED YARD
• OFF STREET PARKING
• CLOSE TO STATE LANDS
• ATV TRAILS

Property features AI

Exterior

• Parking: Off-street parking; Gravel parking
• Utilities: Public water; Electric with circuit breakers
• Home design: Residential property
• Construction: Frame, aluminum siding, and log construction; Block foundation; Metal roof; Built with 1,564 above-grade finished area
• Exterior features: Level lot; Waterfront lot; Waterfront property; Has view

Interior

• Kitchen: Microwave
• Flooring: Laminate flooring; Wood flooring
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating; No cooling
• Interior features: Eat-in kitchen; Seven total rooms; Basement with exterior entry
• Laundry & utility: Laundry on upper level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $512 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).

Location & tenants

• Location reads 65/100 on livability (#1,116 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime D+, schools F.
• Keystone Central SD (town): math 32% / reading 44% proficiency, ranked #384 of 539 in PA (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 18 active listings in the ZIP; 44 units permitted in Clinton County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Clinton County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $12k; list at $60k implies a 379% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $59,900

Questions for the listing agent

1. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
6. 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.
7. 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.
8. 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: 2.01% ✓
• Cap rate: 17.66%
• Cash-on-cash: 40.61%
• DSCR: 2.81
• GRM: 4.2

CMA / ARV

• ARV (median comp): $86,292
• List price: $59,900
• Delta: -24.79%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
365 Pennsylvania Ave	0.04mi	3/1.0	1,632 (+4%)	18mo	$85,000	$52	76
335 Pennsylvania Ave	0.05mi	3/1.0	1,408 (-10%)	18mo	$85,000	$60	67
129 Eleventh St	0.24mi	3/2.0	1,440 (-8%)	21mo	$95,000	$66	54

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: 32.5%
• Equity multiple: 2.37×
• Total profit: $22,934
• Equity at exit: $8,931

10-year hold

• IRR: 39.5%
• Equity multiple: 4.70×
• Total profit: $62,090
• Equity at exit: $5,179

Cash invested: $16,772 (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 17764

• Home prices YoY: -6.0%
• Active inventory: 18
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,201 medium
• Mortgage (P&I): −$314
• Tax from tax record: −$42 /mo · $507/yr
• Insurance: −$25
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $512

Break-even live

Break-even rent $553

Max offer price $59,900

Occupancy floor 52%

Sensitivity live

Price	-10% $546	-5% $529	+0% $512	+5% $495	+10% $478
Rent	-10% $417	-5% $465	+0% $512	+5% $559	+10% $607
Rate	-1.0pp $542	-0.5pp $527	base $512	+0.5pp $496	+1.0pp $481

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-19
   days on market $59,900 Active 2 DOM
2. 2026-06-17
   remarks 383-char remark
3. 2026-06-17
   remarks 334-char remark
4. 2026-06-17
   pricestatusdays on marketlisting id $59,900 Active 1 DOM
5. 2026-06-15
   days on market $64,900 Active Under Contract 412 DOM
6. 2026-06-14
   days on market $64,900 Active Under Contract 410 DOM
7. 2026-06-12
   days on market $64,900 Active Under Contract 409 DOM
8. 2026-06-09
   days on market $64,900 Active Under Contract 406 DOM
9. 2026-06-08
   days on market $64,900 Active Under Contract 405 DOM
10. 2026-06-07
    days on market $64,900 Active Under Contract 404 DOM
11. 2026-06-04
    days on market $64,900 Active Under Contract 400 DOM
12. 2026-06-02
    days on market $64,900 Active Under Contract 399 DOM
13. 2026-06-01
    days on market $64,900 Active Under Contract 398 DOM
14. 2026-05-31
    days on market $64,900 Active Under Contract 397 DOM
15. 2026-05-31
    days on market $64,900 Active Under Contract 396 DOM
16. 2026-05-06
    historical Active Under Contract 231-char remark
17. 2026-04-14
    price $64,900 231-char remark
18. 2025-12-08
    price $69,900 231-char remark
19. 2025-10-13
    price $72,500 231-char remark
20. 2025-09-06
    price $79,900 231-char remark
21. 2025-07-14
    price $83,500 231-char remark
22. 2025-05-15
    price $89,900 231-char remark
23. 2025-04-29
    listed $99,900 Active 231-char remark
24. 2007-01-05
    soldstatus $12,500
25. 1999-11-12
    soldstatus $23,900

ⓘ 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: $507 · $42/mo
• Projected year-2 tax: $727 · $61/mo
• Expected delta: +$220/yr (+$18/mo · 43.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 8 d/yr ≥92°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,413
• − Mortgage interest: −$3,355
• − Property taxes: −$507
• − Insurance: −$966
• − Repairs & maintenance: −$1,153
• − Management: −$1,153
• − Depreciation: −$1,743
• Taxable income: $5,536
• Est. tax owed @ 24.0%: −$1,329
• After-tax cash flow: $4,815/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: Keystone Central SD
• NCES district ID: 4212725
• Math proficiency: 32% ▼ -6.00%
• Reading proficiency: 44% ▼ -10.00%
• Median HH income: $42,713
• Composite: 32.09/100
• National rank: #5810
• State rank: #384 of 539 in PA

Livability — South Renovo

• Score: 65/100
• State rank: #1116
• US rank: #12721

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: South Renovo, PA
• Population (ZIP): 2,460

Population outlook (Clinton County) Hauer SSP2

• Today (2025): 39,048 people
• By 2030: 38,812 · -0.6%
• By 2040: 38,011 · -2.7%
• By 2050: 36,931 · -5.4%
• By 2075: 34,077 · -12.7%
• By 2100: 29,683 · -24.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Romanian 3% Italian 2% Russian 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Clinton

• 2024 margin: Solid R (+40.9) · D 29.1% · R 70.0%
• 2008→2024 swing: -38.1pp toward R · 2008: -2.8pp · 2024: -40.9pp
• All cycles: 2024: R+40.9 2020: R+36.3 2016: R+34.8 2012: R+11.3 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -7.16%
• Current HPI: 111.66
• 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

+150.6% since first listed

9 events — show timeline

• 2026-06-17 Listed $59,900 WBVAR
• 2026-04-14 Price Changed $64,900 WBVAR
• 2025-12-08 Price Changed $69,900 WBVAR
• 2025-10-13 Price Changed $72,500 WBVAR
• 2025-09-06 Price Changed $79,900 WBVAR
• 2025-07-14 Price Changed $83,500 WBVAR
• 2025-05-15 Price Changed $89,900 WBVAR
• 2007-01-05 Sold (Public Records) $12,500 Public Records
• 1999-11-12 Sold (Public Records) $23,900 Public Records

Property tax history

-6.5%/yr

Latest (2026): $507 · +0.9% YoY. Source: county tax records.