5664 Claridge Ct · Fayetteville, PA 17222

$89,000

3 bd · 2.0 ba · 1,809 sqft · SingleFamily · 10 Days on market

Built 1997 Good condition Est $154k · 42% under $550/mo HOA · 32% of rent

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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 +24.4/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +7.9/10.0
• Condition / age +3.8/5.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 5664 Claridge Court in Fayetteville! This well-maintained home offers a spacious layout with a blend of comfort and functionality throughout. Step inside to find a bright living room with vaulted ceilings that create an open, airy feel. The kitchen features a large island with ample workspace and flows seamlessly into the dining area—ideal for everyday living and entertaining. A separate family room provides additional space to relax, complete with a cozy fireplace. The primary suite offers a private retreat. Additional bedrooms are generously sized, and a separate laundry room adds convenience. Enjoy outdoor living with a large deck off the kitchen and a covered side pati

Key facts

• Large deck
• Large island
• Cozy fireplace

Tags

• LARGE ISLAND
• SEPARATE FAMILY ROOM
• COZY FIREPLACE
• PRIVATE RETREAT
• SEPARATE LAUNDRY ROOM
• LARGE DECK

Property features AI

Finance

• Other: Not in a federal flood zone; Estimated above-grade finished area 1,809 (source: estimated)
• HOA & community: HOA fee of $550 per month; Located in Colonial Estates community; Property manager present

Exterior

• Parking: Driveway parking for two vehicles; Two total garage/parking spaces
• Utilities: Public water; Public sewer; Cable TV available
• Home design: Manufactured double-wide home; Single-story (main level living); Fee simple ownership
• Construction: Modular/Manufactured construction; Slab foundation; VIN# SV09615AB 11/97 (builder/ID noted); Above-grade structures
• Exterior features: Deck(s); Shed; Ramp to main level

Interior

• Kitchen: Kitchen with island
• Bedrooms: Three bedrooms on the main level
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: Heat pump heating; Central air conditioning; Electric heating and cooling; Electric hot water
• Interior features: Ceiling fans; Chair railings; Dining area; Kitchen island; Master bathroom; Skylights; Cathedral ceilings; Sliding glass door; Storm door

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $89k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $181 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $89k).
• Cap rate 8.7% vs local median 3.9% in Fayetteville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 67/100 on livability (#987 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Chambersburg Area SD (other): math 26% / reading 48% proficiency, ranked #383 of 539 in PA (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 80 active listings in the ZIP; 633 units permitted in Franklin County in 2024 (112 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $615 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: HOA is 32% of rent.
• 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 $89,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.91% ✓
• Cap rate: 8.74%
• Cash-on-cash: 8.72%
• DSCR: 1.39
• GRM: 4.4

CMA / ARV

• ARV (on-the-fly): $153,765
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5500 Lincoln Way East Unit 37C MARLETTE DRIVE	0.20mi	3/2.0	1,904 (+5%)	1mo	$125,000	$66	81
5673 Claridge Ct	0.03mi	3/2.0	1,792 (-1%)	24mo	$98,600	$55	77
162 Hampton Dr	0.28mi	3/2.5	1,680 (-7%)	6mo	$300,000	$179	68
254 Cameo Dr	0.15mi	3/2.0	1,624 (-10%)	14mo	$80,000	$49	64
302 Cameo Dr	0.23mi	3/2.0	1,568 (-13%)	4mo	$137,000	$87	64
186 Hampton Dr	0.28mi	3/2.0	2,000 (+11%)	6mo	$235,000	$118	64
157 Durham Dr	0.19mi	3/2.0	1,680 (-7%)	19mo	$258,000	$154	63
162 Camelot Dr	0.12mi	3/2.0	1,569 (-13%)	13mo	$254,500	$162	61
206 Cameo Dr	0.07mi	3/2.0	1,560 (-14%)	17mo	$90,000	$58	60
248 Ladnor Ct	0.26mi	3/2.0	1,680 (-7%)	22mo	$49,995	$30	57
272 Waverly Ct	0.34mi	3/2.0	1,620 (-10%)	20mo	$137,000	$85	50

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: -2.7%
• Equity multiple: 0.90×
• Total profit: $-2,522
• Equity at exit: $13,270

10-year hold

• IRR: 7.4%
• Equity multiple: 1.57×
• Total profit: $14,136
• Equity at exit: $7,695

Cash invested: $24,920 (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 17222

• Home prices YoY: -17.8%
• Active inventory: 80
• Price-to-rent: 4.4×

Monthly cashflow live

• Estimated rent: $1,704 medium
• Mortgage (P&I): −$467
• Tax est. 1.5%: −$111 /mo · $1,335/yr
• Insurance: −$37
• HOA: −$550
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $181

Break-even live

Break-even rent $1,475

Max offer price $89,000

Occupancy floor 84%

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $550 · $6,600/yr

Listing history 3 events

1. 2026-05-20
   status Pending
2. 2026-04-28
   historical Active Under Contract
3. 2026-04-18
   listed $89,000 Active

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,448
• − Mortgage interest: −$4,985
• − Property taxes: −$1,335
• − Insurance: −$445
• − Repairs & maintenance: −$1,636
• − Management: −$1,636
• − HOA: −$6,600
• − Depreciation: −$2,589
• Taxable income: $1,222
• Est. tax owed @ 24.0%: −$293
• After-tax cash flow: $1,880/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.

Condition & rehab AI · 13 photos

Good 75/100 Cosmetic rehab

This well-maintained single-family home offers a spacious layout with a blend of comfort and functionality. It has good curb appeal and interior condition, with minor repairs needed in the kitchen and bathrooms. Upgrading the kitchen and exterior paint would significantly increase its value.

Repairs flagged

• Minor kitchen cabinets — slight wear
• Minor bathroom fixtures — dated design

Value-add opportunities

• Both update kitchen cabinets and fixtures — modernizing kitchen will appeal to buyers and renters
• Both paint exterior — fresh paint enhances curb appeal and value
• Both landscaping — improved landscaping can attract more buyers and renters

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · slight wear	Minor	$500–3,000
bathroom fixtures · dated design	Minor	$500–3,000
Total estimated repair cost · 2 items		$1,000–6,000

Value-add ROI direction

• Both update kitchen cabinets and fixtures — modernizing kitchen will appeal to buyers and renters ↑
• Both paint exterior — fresh paint enhances curb appeal and value ↑
• Both landscaping — improved landscaping can attract more buyers and renters ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Chambersburg Area SD
• NCES district ID: 4205550
• Math proficiency: 26% ▼ -17.00%
• Reading proficiency: 48% ▼ -16.00%
• Median HH income: $52,666
• Composite: 32.17/100
• National rank: #5787
• State rank: #383 of 539 in PA

Livability — Fayetteville

• Score: 67/100
• State rank: #987
• US rank: #10862

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 10,261

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 157,827 people
• By 2030: 158,933 · +0.7%
• By 2040: 159,060 · +0.8%
• By 2050: 155,132 · -1.7%
• By 2075: 138,545 · -12.2%
• By 2100: 112,321 · -28.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 7% Two or more races 5% Black 3%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Slovak 3% Serbian 2% Lithuanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+43.0) · D 28.1% · R 71.1%
• 2008→2024 swing: -10.4pp toward R · 2008: -32.6pp · 2024: -43.0pp
• All cycles: 2024: R+43.0 2020: R+43.1 2016: R+46.5 2012: R+38.5 2008: R+32.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.58%
• Current HPI: 284.4035
• 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

3 events — show timeline

• 2026-05-20 Pending — BRIGHT MLS
• 2026-04-28 Contingent — BRIGHT MLS
• 2026-04-18 Listed $89,000 BRIGHT MLS