250 Bushwack Rd · Belmont, PA 15904

$68,000

3 bd · 1.0 ba · 1,060 sqft · SingleFamily · 57 Days on market

7,405 sqft lot $64/sqft · 35% below area Est $104k · 35% under

---

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
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• Schools +5.5/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

Key facts

• 2 story garage
• Unfinished basement
• Nice front porch

Tags

• LOW TAXES
• 2 STORY GARAGE
• UNFINISHED BASEMENT
• NICE FRONT PORCH

Property features AI

Exterior

• Parking: Detached garage (1 car); Off-street parking; Gravel parking area
• Security: Smoke detectors
• Utilities: Public water; Septic sewer
• Home design: Single-family residence; Two stories
• Construction: Frame construction; Shingle roof; Full basement (unfinished)
• Exterior features: Covered porch; Partial fencing; Rectangular lot; Publicly maintained road frontage on a city street; Workshop on property

Interior

• Kitchen: Range; Microwave; Oven; Refrigerator
• Flooring: Wood flooring; Linoleum flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (propane); Central air conditioning; Ceiling fans
• Interior features: Eat-in kitchen; High-speed internet available; Window coverings; Full unfinished basement
• Laundry & utility: Washer; Dryer; Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $68k.

Deal economics

• At list price, monthly cash flow is $303 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $68k).
• Recommended offer: $66k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 71/100 on livability (#725 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.
• Richland SD (suburban): math 57% / reading 72% proficiency, ranked #54 of 539 in PA (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 19% free/reduced lunch — higher-income household profile.
• Market conditions: 50 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 80% of comp listings sitting > 30 days — soft ceiling on asking rent; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $470 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 25y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $65,960 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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 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?
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: 1.47% ✓
• Cap rate: 12.63%
• Cash-on-cash: 22.62%
• DSCR: 2.01
• GRM: 5.7

CMA / ARV

• ARV (median comp): $104,168
• List price: $68,000
• Delta: -34.72%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
114 Kathy Dr	0.07mi	2/1.0 (-1)	1,104 (+4%)	4mo	$83,000	$75	81
116 Sann St	0.66mi	3/1.0	1,216 (+15%)	1mo	$136,000	$112	44
447 Highland Park Rd	0.75mi	3/1.0	937 (-12%)	23mo	$110,000	$117	26

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: 11.0%
• Equity multiple: 1.44×
• Total profit: $8,325
• Equity at exit: $10,139

10-year hold

• IRR: 20.1%
• Equity multiple: 2.69×
• Total profit: $32,232
• Equity at exit: $5,879

Cash invested: $19,040 (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 15904

• Active inventory: 50
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,003 high
• Mortgage (P&I): −$357
• Tax from tax record: −$48 /mo · $581/yr
• Insurance: −$28
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$211
• Net cashflow: $303

Break-even live

Break-even rent $619

Max offer price $68,000

Occupancy floor 65%

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: $17,000
• Closing costs: $2,040
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1201 Heeney Ave Johnstown, PA	1.0–3.0	1.0	750	$1,050	$1.40	4d	1	1.02mi
553 Vickroy Ave #555 Johnstown, PA	3.0	1.0	1300	$985	$0.76	43d	1	1.15mi
550 Ferndale Ave Johnstown, PA	3.0	1.0	1300	$1,100	$0.85	43d	1	1.16mi
522 Vickroy Ave Johnstown, PA	3.0	1.0	1125	$850	$0.76	43d	1	1.20mi
619 Grove Ave Johnstown, PA	2.0	2.0	1100	$1,050	$0.95	43d	1	1.45mi

Listing history 30 events

1. 2026-06-19
   days on market $68,000 Active 57 DOM
2. 2026-06-18
   days on market $68,000 Active 56 DOM
3. 2026-06-17
   remarks 622-char remark
4. 2026-06-17
   days on market $68,000 Active 55 DOM
5. 2026-06-16
   days on market $68,000 Active 54 DOM
6. 2026-06-15
   days on market $68,000 Active 53 DOM
7. 2026-06-14
   days on market $68,000 Active 51 DOM
8. 2026-06-12
   days on market $68,000 Active 50 DOM
9. 2026-06-09
   days on market $68,000 Active 47 DOM
10. 2026-06-08
    days on market $68,000 Active 46 DOM
11. 2026-06-07
    days on market $68,000 Active 45 DOM
12. 2026-06-05
    days on market $68,000 Active 42 DOM
13. 2026-06-03
    days on market $68,000 Active 41 DOM
14. 2026-06-02
    days on market $68,000 Active 40 DOM
15. 2026-06-01
    days on market $68,000 Active 39 DOM
16. 2026-05-31
    days on market $68,000 Active 38 DOM
17. 2026-05-30
    days on market $68,000 Active 37 DOM
18. 2026-04-23
    listed $68,000 Active 388-char remark
19. 2024-08-23
    soldstatus $59,600 Closed 244-char remark

    Show marketing remark (249 chars)

    This 3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

20. 2024-08-23
    soldstatus $59,600 Closed

    Show marketing remark (249 chars)

    This 3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

21. 2024-08-19
    status Pending 244-char remark

    Show marketing remark (244 chars)

    3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

22. 2024-07-17
    status Pending

    Show marketing remark (244 chars)

    3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

23. 2024-07-17
    historical Contingent 244-char remark

    Show marketing remark (244 chars)

    3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

24. 2024-05-28
    listed $59,900 Active

    Show marketing remark (249 chars)

    This 3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

25. 2024-05-27
    listed $59,900 Active 244-char remark

    Show marketing remark (244 chars)

    3 bed/1 bath house. Large, covered porch s great for enjoying those hot summer nights. Large 4 car detached garage can accommodate approx. 4 mid-sized cars. Storage shed included. Recent updates include new electrical service, roof, and carpet.

26. 2022-05-12
    listed $59,900 Active
27. 2001-10-31
    soldstatus $45,000
28. 2001-10-31
    soldstatus $45,000
29. 2001-02-07
    listed $48,500
30. 1996-07-01
    soldstatus $32,500

ⓘ 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: $581 · $48/mo
• Projected year-2 tax: $827 · $69/mo
• Expected delta: +$247/yr (+$21/mo · 42.5%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥93°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,033
• − Mortgage interest: −$3,809
• − Property taxes: −$581
• − Insurance: −$1,006
• − Repairs & maintenance: −$963
• − Management: −$963
• − Depreciation: −$1,978
• Taxable income: $2,733
• Est. tax owed @ 24.0%: −$656
• After-tax cash flow: $2,984/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: Richland SD
• NCES district ID: 4220250
• Math proficiency: 57% ▼ -4.00%
• Reading proficiency: 72% ▼ -1.00%
• Median HH income: $49,705
• Composite: 54.72/100
• National rank: #1322
• State rank: #54 of 539 in PA

Livability — Belmont

• Score: 71/100
• State rank: #725
• US rank: #7198

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Belmont, PA
• Population (ZIP): 16,283

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 2% Black 2% Asian 1%
• Common ancestry: Romanian 10% Slovak 2% Lithuanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1% Other Indo-European 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.96%
• Current HPI: 151.6715
• 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

+109.2% since first listed

13 events — show timeline

• 2026-04-23 Listed $68,000 CSMLS
• 2024-08-23 Sold (MLS) $59,600 CSMLS
• 2024-08-23 Sold (MLS) $59,600 West Penn MLS
• 2024-08-19 Pending — West Penn MLS
• 2024-07-17 Pending — CSMLS
• 2024-07-17 Contingent — West Penn MLS
• 2024-05-28 Listed $59,900 CSMLS
• 2024-05-27 Listed $59,900 West Penn MLS
• 2022-05-12 Listed $59,900 CSMLS
• 2001-10-31 Sold (Public Records) $45,000 Public Records
• 2001-10-31 Sold (MLS) $45,000 CSMLS
• 2001-02-07 Listed $48,500 CSMLS
• 1996-07-01 Sold (Public Records) $32,500 Public Records

Property tax history

+2.6%/yr

Latest (2026): $581 · +14.3% YoY. Source: county tax records.