136 Chess St · Monongahela, PA 15063

$14,406

2 bd · 1.5 ba · 1,400 sqft · SingleFamily public records · 242 Days on market

Built 1900 7,840 sqft lot $10/sqft · 87% below area ↓ 59% since listing

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Why this score? — see what drove the D 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming and historic Federalist Style property. Restore this beauty to its former glory. Original details still intact: fireplaces, cabinets, deep moldings, ceiling rosettes. Species first and second floors. Ample spaces for front garden and side gardens. Views from front porch where you can enjoy the summer breeze chatting with family. Restore this beauty for your family or turn into a beautiful rental. The price is right, don't wait!

Key facts

• Front covered porch
• Unfinished basement
• 7,840 sq ft lot

Tags

• FRONT COVERED PORCH
• UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $14k.

Deal economics

• At list price, monthly cash flow is $930 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $14k).
• Recommended offer: $13k (12.0% below list) — sets the bar for market timing.
• Cap rate 83.8% vs local median 6.8% in Monongahela — 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 72/100 on livability (#629 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety D+, amenities F.
• Ringgold SD (suburban): math 19% / reading 36% proficiency, ranked #452 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 67 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $100 of loan paydown is wiped out by about $432 of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% 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 $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 242 days — a 12% lower offer ($13k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $12,677 (12.0% below list)

Questions for the listing agent

1. It's been on market 242 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 9.05% ✓
• Cap rate: 83.77%
• Cash-on-cash: 276.72%
• DSCR: 13.31
• GRM: 0.9

CMA / ARV

• ARV (median comp): $110,098
• List price: $14,406
• Delta: -86.92%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 Gee St	0.28mi	2/2.0	1,320 (-6%)	6mo	$61,800	$47	70
300 3rd Ave	0.14mi	3/1.0 (+1)	1,358 (-3%)	15mo	$133,000	$98	69
539 Park Ave	0.35mi	3/1.0 (+1)	1,365 (-2%)	9mo	$165,000	$121	65
900 Lincoln St	0.55mi	3/2.0 (+1)	1,456 (+4%)	7mo	$52,250	$36	55
1039 4th St	0.71mi	3/1.5 (+1)	1,332 (-5%)	1mo	$142,500	$107	53
424 Hillman St	0.63mi	3/1.5 (+1)	1,513 (+8%)	2mo	$229,900	$152	50
2086 River Hill Rd	0.74mi	2/1.0	1,480 (+6%)	6mo	$109,900	$74	49
708 Lincoln St	0.50mi	3/1.0 (+1)	1,232 (-12%)	14mo	$20,000	$16	38
1820 Raccoon Run Rd	0.64mi	3/2.0 (+1)	1,210 (-14%)	4mo	$300,000	$248	37
1010 Thomas St	0.67mi	3/1.0 (+1)	1,584 (+13%)	6mo	$27,000	$17	35
908 Marne Ave	0.59mi	3/1.5 (+1)	1,603 (+14%)	10mo	$54,900	$34	35
629 Shelby St	0.58mi	3/2.0 (+1)	1,192 (-15%)	14mo	$125,000	$105	30

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: —
• Equity multiple: 15.11×
• Total profit: $56,928
• Equity at exit: $2,148

10-year hold

• IRR: —
• Equity multiple: 32.22×
• Total profit: $125,936
• Equity at exit: $1,246

Cash invested: $4,034 (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 15063

• Home prices YoY: -6.9%
• Active inventory: 67
• Price-to-rent: 0.9×

Monthly cashflow live

• Estimated rent: $1,303 medium
• Mortgage (P&I): −$76
• Tax est. 1.5%: −$18 /mo · $216/yr
• Insurance: −$6
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $930

Break-even live

Break-even rent $126

Max offer price $14,406

Occupancy floor 24%

Sensitivity live

Price	-10% $940	-5% $935	+0% $930	+5% $925	+10% $920
Rent	-10% $827	-5% $879	+0% $930	+5% $982	+10% $1,033
Rate	-1.0pp $937	-0.5pp $934	base $930	+0.5pp $926	+1.0pp $923

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: $3,602
• Closing costs: $432
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-21
   days on market $14,406 Active 242 DOM
2. 2026-06-18
   days on market $14,406 Active 239 DOM
3. 2026-06-17
   days on market $14,406 Active 238 DOM
4. 2026-06-16
   days on market $14,406 Active 237 DOM
5. 2026-06-15
   days on market $14,406 Active 236 DOM
6. 2026-06-13
   days on market $14,406 Active 234 DOM
7. 2026-06-13
   days on market $14,406 Active 233 DOM
8. 2026-06-09
   days on market $14,406 Active 230 DOM
9. 2026-06-08
   days on market $14,406 Active 229 DOM
10. 2026-06-07
    days on market $14,406 Active 228 DOM
11. 2026-06-05
    days on market $14,406 Active 225 DOM
12. 2026-06-03
    days on market $14,406 Active 224 DOM
13. 2026-06-02
    days on market $14,406 Active 223 DOM
14. 2026-06-01
    days on market $14,406 Active 222 DOM
15. 2026-05-31
    days on market $14,406 Active 221 DOM
16. 2026-01-23
    price $14,406 440-char remark

    Show marketing remark (440 chars)

    Charming and historic Federalist Style property. Restore this beauty to its former glory. Original details still intact: fireplaces, cabinets, deep moldings, ceiling rosettes. Species first and second floors. Ample spaces for front garden and side gardens. Views from front porch where you can enjoy the summer breeze chatting with family. Restore this beauty for your family or turn into a beautiful rental. The price is right, don't wait!

17. 2025-10-22
    listed $14,900 Active 440-char remark

    Show marketing remark (440 chars)

    Charming and historic Federalist Style property. Restore this beauty to its former glory. Original details still intact: fireplaces, cabinets, deep moldings, ceiling rosettes. Species first and second floors. Ample spaces for front garden and side gardens. Views from front porch where you can enjoy the summer breeze chatting with family. Restore this beauty for your family or turn into a beautiful rental. The price is right, don't wait!

18. 2018-01-29
    historical Expired
19. 2017-12-05
    price $25,000
20. 2017-10-12
    price $29,900
21. 2017-09-27
    listed $34,900 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 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥98°F today · 20 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: $15,641
• − Mortgage interest: −$807
• − Property taxes: −$216
• − Insurance: −$72
• − Repairs & maintenance: −$1,251
• − Management: −$1,251
• − Depreciation: −$419
• Taxable income: $11,625
• Est. tax owed @ 24.0%: −$2,790
• After-tax cash flow: $8,372/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: Ringgold SD
• NCES district ID: 4220400
• Math proficiency: 19% ▼ -20.00%
• Reading proficiency: 36% ▼ -18.00%
• Median HH income: $46,754
• Composite: 23.75/100
• National rank: #7819
• State rank: #452 of 539 in PA

Livability — Monongahela

• Score: 72/100
• State rank: #629
• US rank: #6064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monongahela, PA
• City population: 10,479
• Population (ZIP): 10,479

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Slovak 4% Scotch-Irish 3%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.31%
• Current HPI: 261.0334
• 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

-58.7% since first listed

6 events — show timeline

• 2026-01-23 Price Changed $14,406 West Penn MLS
• 2025-10-22 Listed $14,900 West Penn MLS
• 2018-01-29 Delisted — West Penn MLS
• 2017-12-05 Price Changed $25,000 West Penn MLS
• 2017-10-12 Price Changed $29,900 West Penn MLS
• 2017-09-27 Listed $34,900 West Penn MLS

Property tax history

+3.6%/yr

Latest (2026): $1,268 · +7.7% YoY. Source: county tax records.