3132 Baker School Rd · North Huntingdon, PA 15642

$150,000

2 bd · 1.0 ba · — sqft · Other · 265 Days on market

1.00 ac lot Est $261k · 42% under

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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 +19.3/30.0
• ARV discount +15.0/15.0
• DSCR +6.1/10.0
• Schools +5.9/10.0
• 1% rule +4.5/10.0
• Rent growth +4.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

AUCTION-HOME CANNOT BE SHOWN - This Colonial style single family home offers 2 bedrooms and 1 bathroom with approximately 860 square feet of living space on a 1.00 acre lot. There are no inspection or financing contingencies on this cash only purchase. It is a criminal offense to trespass on this property. No Buyer Premium on this property. The buyer has the right to select their own title/closing company. The buyer is responsible for all closing costs in this transaction. NO TRESPASSING. DO NOT DISTURB ANY OCCUPANTS!

Key facts

• Picket fence
• Full kitchen
• Main level bathroom

Tags

• 1 ACRE PROPERTY
• PICKET FENCE
• ENCLOSED PORCH
• FULL KITCHEN
• MAIN LEVEL BATHROOM

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $150k.

Deal economics

• At list price, monthly cash flow is $165 ($2k/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 $142k (5.2% below list).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Norwin SD (suburban): math 60% / reading 76% proficiency, ranked #32 of 539 in PA (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising fast (+7.2%/yr); 137 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).
• This rent is only 17% of the median local income ($98k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 7.2% rent growth), your $42k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 265 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 27y ago; this cycle's ask is 92% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $77k; list at $150k implies a 95% gain — meaningful room to come down on a strong offer.

Recommended offer $132,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 265 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 7.61%
• Cash-on-cash: 4.70%
• DSCR: 1.21
• GRM: 8.8

CMA / ARV

• ARV (median comp): $260,573
• List price: $150,000
• Delta: -42.43%
• Verdict: UNDERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 7.15% rent growth · sell at horizon

5-year hold

• IRR: -4.7%
• Equity multiple: 0.82×
• Total profit: $-7,666
• Equity at exit: $22,365

10-year hold

• IRR: 9.1%
• Equity multiple: 1.82×
• Total profit: $34,370
• Equity at exit: $12,969

Cash invested: $42,000 (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 15642

• Rents YoY: 7.2%
• Active inventory: 137
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,422 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$110 /mo · $1,319/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $165

Break-even live

Break-even rent $1,214

Max offer price $150,000

Occupancy floor 83%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12341 Maple Ln Irwin, PA	3.0	2.0	1100	$1,695	$1.54	23d	1	1.38mi

Listing history 23 events

1. 2026-06-18
   days on market $150,000 Active 265 DOM
2. 2026-06-17
   days on market $150,000 Active 264 DOM
3. 2026-06-16
   days on market $150,000 Active 263 DOM
4. 2026-06-15
   days on market $150,000 Active 262 DOM
5. 2026-06-13
   days on market $150,000 Active 260 DOM
6. 2026-06-13
   days on market $150,000 Active 259 DOM
7. 2026-06-09
   days on market $150,000 Active 256 DOM
8. 2026-06-08
   days on market $150,000 Active 255 DOM
9. 2026-06-07
   days on market $150,000 Active 254 DOM
10. 2026-06-03
    days on market $150,000 Active 250 DOM
11. 2026-06-02
    days on market $150,000 Active 249 DOM
12. 2026-06-01
    days on market $150,000 Active 248 DOM
13. 2026-05-31
    days on market $150,000 Active 247 DOM
14. 2026-05-13
    listed $78,120 Active 523-char remark

    Show marketing remark (523 chars)

    AUCTION-HOME CANNOT BE SHOWN - This Colonial style single family home offers 2 bedrooms and 1 bathroom with approximately 860 square feet of living space on a 1.00 acre lot. There are no inspection or financing contingencies on this cash only purchase. It is a criminal offense to trespass on this property. No Buyer Premium on this property. The buyer has the right to select their own title/closing company. The buyer is responsible for all closing costs in this transaction. NO TRESPASSING. DO NOT DISTURB ANY OCCUPANTS!

15. 2025-09-26
    listed $150,000 Active 340-char remark

    Show marketing remark (340 chars)

    Charming 1 acre property tucked away! Enjoy privacy and seclusion on this 1 acre property. Quaint picket fence decorates the front yard. Spacious Living room, full kitchen, and side enclosed porch on the first floor. Full Bathroom on the Main level. Two spacious bedrooms upstairs. Tons of potential is waiting here with the home and land!

16. 2006-09-21
    soldstatus $77,000
17. 2006-09-19
    soldstatus $77,000
18. 2006-07-13
    listed $79,900
19. 2005-06-10
    soldstatus $18,900
20. 2005-03-21
    listed $18,900
21. 1999-12-01
    soldstatus $47,300
22. 1999-11-24
    soldstatus $47,300
23. 1999-04-19
    listed $45,000

ⓘ 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: $1,319 · $110/mo
• Projected year-2 tax: $1,844 · $154/mo
• Expected delta: +$526/yr (+$44/mo · 39.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,067
• − Mortgage interest: −$8,402
• − Property taxes: −$1,319
• − Insurance: −$750
• − Repairs & maintenance: −$1,365
• − Management: −$1,365
• − Depreciation: −$4,364
• Taxable loss: −$499
• Est. tax savings @ 24.0%: +$120
• After-tax cash flow: $2,094/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: Norwin SD
• NCES district ID: 4217940
• Math proficiency: 60% ▼ -11.00%
• Reading proficiency: 76% ▼ -6.00%
• Median HH income: $62,686
• Composite: 58.86/100
• National rank: #973
• State rank: #32 of 539 in PA

Livability — North Huntingdon

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Westmoreland County · 183,777 people
• Metro: Pittsburgh, PA
• Population (ZIP): 46,325
• Household income: $97,706
• Rent vs Own: 14.8% rent · 85.2% own
• Severe rent burden: 349.0

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Slovak 2% Italian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -129.70%
• Current HPI: 180.8812
• Rent YoY: ▲ 7.15%
• Metro: Pittsburgh, PA
• 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

+73.6% since first listed

10 events — show timeline

• 2026-05-13 Listed $78,120 BRIGHT MLS
• 2025-09-26 Listed $150,000 West Penn MLS
• 2006-09-21 Sold (Public Records) $77,000 Public Records
• 2006-09-19 Sold (MLS) $77,000 West Penn MLS
• 2006-07-13 Listed $79,900 West Penn MLS
• 2005-06-10 Sold (MLS) $18,900 West Penn MLS
• 2005-03-21 Listed $18,900 West Penn MLS
• 1999-12-01 Sold (Public Records) $47,300 Public Records
• 1999-11-24 Sold (MLS) $47,300 West Penn MLS
• 1999-04-19 Listed $45,000 West Penn MLS

Property tax history

+2.8%/yr

Latest (2026): $1,319 · +2.6% YoY. Source: county tax records.