1101 Chestnut Ave · Northern Cambria, PA 15714

$15,900

5 bd · 1.0 ba · 1,800 sqft · SingleFamily · 95 Days on market

Built 1920 ↓ 45% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• Appreciation +7.1/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.4/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

Key facts

• Built 1920
• Listed 95 days

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $16k.

Deal economics

• At list price, monthly cash flow is $913 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $16k).
• Recommended offer: $14k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#991 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment D-.
• Northern Cambria SD (town): math 32% / reading 48% proficiency, ranked #358 of 539 in PA (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Northern Cambria El Sch (math 32% / reading 47%, grade F, #947 of 1,518 statewide, top 65%, 247 students, 100% FRL); Northern Cambria Ms (math 16% / reading 49%, grade F, #355 of 512 statewide, top 70%, 240 students, 100% FRL); Northern Cambria Hs (math 82%, 309 students, 32% FRL) — zoned schools average 77% FRL vs 36% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 16 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $773 of equity ($110 loan paydown + $663 appreciation (4.2% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.2% 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 95 days — a 9% lower offer ($14k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 6y ago; this cycle's ask has dropped $7k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $14,469 (9.0% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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. 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: 8.14% ✓
• Cap rate: 75.20%
• Cash-on-cash: 246.08%
• DSCR: 11.95
• GRM: 1.0

CMA / ARV

• ARV (on-the-fly): $109,800
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1100 Chestnut Ave	0.02mi	4/1.5 (-1)	1,800 (0%)	3mo	$20,000	$11	90
905 Elder Ave	0.13mi	4/2.0 (-1)	2,000 (+11%)	7mo	$160,000	$80	60
618 Apple St	0.29mi	4/2.0 (-1)	1,560 (-13%)	2mo	$99,900	$64	54
1400 Park Ave	0.34mi	4/1.5 (-1)	1,680 (-7%)	24mo	$57,000	$34	46
1504 Park Ave Ave	0.45mi	4/1.5 (-1)	1,960 (+9%)	22mo	$120,000	$61	39
116 Ash St	0.70mi	4/2.5 (-1)	1,600 (-11%)	18mo	$85,000	$53	22

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 14.72×
• Total profit: $61,091
• Equity at exit: $8,223

10-year hold

• IRR: —
• Equity multiple: 31.29×
• Total profit: $134,831
• Equity at exit: $13,580

Cash invested: $4,452 (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 15714

• Home prices YoY: 5.0%
• Active inventory: 16
• Price-to-rent: 1.0×

Monthly cashflow live

• Estimated rent: $1,295 medium
• Mortgage (P&I): −$83
• Tax est. 1.5%: −$20 /mo · $238/yr
• Insurance: −$7
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $913

Break-even live

Break-even rent $139

Max offer price $15,900

Occupancy floor 24%

Sensitivity live

Price	-10% $924	-5% $918	+0% $913	+5% $907	+10% $902
Rent	-10% $811	-5% $862	+0% $913	+5% $964	+10% $1,015
Rate	-1.0pp $921	-0.5pp $917	base $913	+0.5pp $909	+1.0pp $905

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: $3,975
• Closing costs: $477
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-04-26
   status Pending
2. 2026-04-14
   price $15,900
3. 2026-04-07
   status Active
4. 2026-03-17
   status Pending
5. 2026-02-26
   price $17,900
6. 2025-12-31
   listed $23,000 Active
7. 2024-05-03
   soldstatus $19,000 Closed 541-char remark

   Show marketing remark (541 chars)

   Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

8. 2024-04-19
   status Pending 541-char remark

   Show marketing remark (541 chars)

   Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

9. 2024-03-04
   price $25,000 541-char remark

   Show marketing remark (541 chars)

   Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

10. 2024-01-08
    price $30,000 541-char remark

    Show marketing remark (541 chars)

    Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

11. 2023-09-01
    listed $35,000 Active 541-char remark

    Show marketing remark (541 chars)

    Welcome to this hidden gem nestled in a peaceful neighborhood in Cambria County, presenting a remarkable opportunity for those with a vision and a knack for renovation. This charming fixer-upper includes four bedrooms and a bonus room, three levels of living space, and unlimited potential. This house awaits your creative touch to transform it into the home of your dreams. Don't miss this rare opportunity to bring your renovation dreams to life. Embrace the challenge, unlock the potential, and make this fixer-upper your own. Sold AS-IS.

12. 2021-05-24
    soldstatus $14,280
13. 2020-05-20
    listed $18,500
14. 2020-01-29
    listed $25,000
15. 2001-10-25
    soldstatus $29,000

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,537
• − Mortgage interest: −$891
• − Property taxes: −$238
• − Insurance: −$80
• − Repairs & maintenance: −$1,243
• − Management: −$1,243
• − Depreciation: −$463
• Taxable income: $11,380
• Est. tax owed @ 24.0%: −$2,731
• After-tax cash flow: $8,224/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: Northern Cambria SD
• NCES district ID: 4217610
• Math proficiency: 32% ▼ -6.00%
• Reading proficiency: 48% ▼ -11.00%
• Median HH income: $44,142
• Composite: 33.87/100
• National rank: #5350
• State rank: #358 of 539 in PA

Livability — Northern Cambria

• Score: 67/100
• State rank: #991
• US rank: #10925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Northern Cambria, PA
• Population (ZIP): 5,215

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 (97%)
• Race & ethnicity: White 97% Two or more races 2%
• Common ancestry: Romanian 9% Polish 3% Serbian 2%
• Foreign-born: 0%
• Languages at home: 95% English-only · German/W. Germanic 3% French/Haitian/Cajun 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: ▲ 4.17%
• Current HPI: 88.2969
• 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

-45.2% since first listed

15 events — show timeline

• 2026-04-26 Pending — HCBR
• 2026-04-14 Price Changed $15,900 HCBR
• 2026-04-07 Relisted — HCBR
• 2026-03-17 Pending — HCBR
• 2026-02-26 Price Changed $17,900 HCBR
• 2025-12-31 Listed $23,000 HCBR
• 2024-05-03 Sold (MLS) $19,000 BRIGHT MLS
• 2024-04-19 Pending — BRIGHT MLS
• 2024-03-04 Price Changed $25,000 BRIGHT MLS
• 2024-01-08 Price Changed $30,000 BRIGHT MLS
• 2023-09-01 Listed $35,000 BRIGHT MLS
• 2021-05-24 Sold (MLS) $14,280 CSMLS
• 2020-05-20 Listed $18,500 CSMLS
• 2020-01-29 Listed $25,000 CSMLS
• 2001-10-25 Sold (Public Records) $29,000 Public Records

Property tax history

+1.6%/yr

Latest (2026): $1,015 · +0.0% YoY. Source: county tax records.