768 Baldwin Ave · Sharon, PA 16146

$75,000

4 bd · 2.5 ba · — sqft · SingleFamily · 141 Days on market

5,401 sqft lot Est $103k · 27% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.6/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious 3–4 bedroom investment property offering flexible living and strong rental appeal. The main home features the possibility of a first-floor bedroom( or den) , a large living room, and an eat-in kitchen—ideal for comfortable everyday living. Convenient first-floor laundry and a half bath add to the functionality. Upstairs offers the potential for 2–3 additional bedrooms, plus a walk-up attic providing extra storage or future expansion possibilities. Newer furnace and 100 amp electric service. Adding even more value, the property includes a separate efficiency apartment in the rear unit—perfect for rental income. A great opportunity for investors or owner-occupants looking to offset expenses while building equity.

Key facts

• Half bath
• Walk up attic
• Eat in kitchen

Tags

• FIRST FLOOR BEDROOM
• LARGE LIVING ROOM
• EAT IN KITCHEN
• FIRST FLOOR LAUNDRY
• HALF BATH
• WALK UP ATTIC

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $337 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#1,100 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Sharon City SD (suburban): math 20% / reading 42% proficiency, ranked #446 of 539 in PA (top 83%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 67% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Musser El Sch (math 17% / reading 32%, grade F, #1,180 of 1,518 statewide, top 80%, 309 students, 100% FRL); Sharon Ms (math 7% / reading 42%, grade F, #420 of 512 statewide, top 82%, 308 students, 100% FRL); Sharon Hs (math 57% / reading 74%, grade B, #63 of 437 statewide, top 14%, 523 students, 95% FRL) — zoned schools average 98% FRL vs 67% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 75 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 62 units permitted in Mercer County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Mercer County population projected at -22% 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 $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 141 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y 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.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 141 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. 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.46% ✓
• Cap rate: 11.69%
• Cash-on-cash: 19.27%
• DSCR: 1.86
• GRM: 5.7

CMA / ARV

• ARV (median comp): $102,546
• List price: $75,000
• Delta: -26.86%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
784 Baldwin Ave	0.01mi	3/1.0 (-1)	—	1mo	$45,000	—	75
564 Spruce Ave	0.23mi	3/1.0 (-1)	—	2mo	$110,000	—	64
655 New Castle Ave	0.25mi	3/1.0 (-1)	—	1mo	$100,000	—	64
834 Spencer Ave	0.49mi	4/2.0	—	1mo	$131,000	—	62
695 Crowder Ave	0.39mi	3/2.0 (-1)	—	2mo	$159,000	—	61
521 Mcclure	0.31mi	3/1.0 (-1)	—	2mo	$55,000	—	60
368 Stambaugh Ave	0.40mi	3/1.5 (-1)	—	2mo	$90,900	—	58
1040 March St	0.37mi	3/0.5 (-1)	—	1mo	$40,000	—	56
203 Baldwin Ave	0.54mi	4/1.0	—	1mo	$40,000	—	56
432 Alderman Ave	0.44mi	3/1.0 (-1)	—	1mo	$45,000	—	55
273 Orchard St	0.50mi	3/1.0 (-1)	—	1mo	$50,000	—	52
124 Wengler Ave	0.65mi	3/1.0 (-1)	—	1mo	$101,000	—	45

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: 11.2%
• Equity multiple: 1.44×
• Total profit: $9,345
• Equity at exit: $11,183

10-year hold

• IRR: 20.3%
• Equity multiple: 2.71×
• Total profit: $35,886
• Equity at exit: $6,485

Cash invested: $21,000 (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 16146

• Active inventory: 75
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,098 high
• Mortgage (P&I): −$393
• Tax from tax record: −$106 /mo · $1,268/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $337

Break-even live

Break-even rent $671

Max offer price $75,000

Occupancy floor 64%

Sensitivity live

Price	-10% $380	-5% $358	+0% $337	+5% $316	+10% $295
Rent	-10% $250	-5% $294	+0% $337	+5% $381	+10% $424
Rate	-1.0pp $375	-0.5pp $356	base $337	+0.5pp $318	+1.0pp $298

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
726 Baldwin Ave Sharon, PA	3.0	1.0	—	$1,100	—	15d	1	0.07mi
523 New Castle Ave Sharon, PA	3.0	1.0	—	$1,000	—	15d	1	0.34mi
979 King St Sharon, PA	3.0	1.0	—	$895	—	45d	1	0.50mi
1023 Negley St Farrell, PA	3.0	1.0	—	$1,095	—	15d	1	0.83mi
107 N Oakland Ave Unit 2 Sharon, PA	3.0	1.0	—	$1,100	—	23d	1	0.88mi
515 Wallis Ave Farrell, PA	4.0	1.5	—	$1,100	—	45d	1	0.89mi
136 5th Ave Sharon, PA	3.0	1.0	3049	$899	$0.29	15d	1	0.92mi
557 Lafayette Ave Sharon, PA	3.0	1.0	—	$1,000	—	15d	1	1.14mi
Mercer Ave Wheatland, PA	3.0	1.5	—	$850	—	15d	1	1.23mi
420 Reed St Sharon, PA	3.0	1.0	—	$995	—	15d	1	1.34mi

Listing history 20 events

1. 2026-06-21
   days on market $75,000 Active 141 DOM
2. 2026-06-19
   days on market $75,000 Active 139 DOM
3. 2026-06-18
   days on market $75,000 Active 138 DOM
4. 2026-06-17
   days on market $75,000 Active 137 DOM
5. 2026-06-16
   days on market $75,000 Active 136 DOM
6. 2026-06-15
   days on market $75,000 Active 135 DOM
7. 2026-06-14
   days on market $75,000 Active 133 DOM
8. 2026-06-13
   days on market $75,000 Active 132 DOM
9. 2026-06-10
   days on market $75,000 Active 130 DOM
10. 2026-06-09
    days on market $75,000 Active 129 DOM
11. 2026-06-08
    days on market $75,000 Active 128 DOM
12. 2026-06-07
    days on market $75,000 Active 127 DOM
13. 2026-06-05
    days on market $75,000 Active 124 DOM
14. 2026-06-02
    days on market $75,000 Active 122 DOM
15. 2026-06-01
    days on market $75,000 Active 121 DOM
16. 2026-05-31
    days on market $75,000 Active 120 DOM
17. 2026-05-30
    days on market $75,000 Active 119 DOM
18. 2026-01-25
    listed $75,000 Active 753-char remark

    Show marketing remark (753 chars)

    Spacious 3–4 bedroom investment property offering flexible living and strong rental appeal. The main home features the possibility of a first-floor bedroom( or den) , a large living room, and an eat-in kitchen—ideal for comfortable everyday living. Convenient first-floor laundry and a half bath add to the functionality. Upstairs offers the potential for 2–3 additional bedrooms, plus a walk-up attic providing extra storage or future expansion possibilities. Newer furnace and 100 amp electric service. Adding even more value, the property includes a separate efficiency apartment in the rear unit—perfect for rental income. A great opportunity for investors or owner-occupants looking to offset expenses while building equity.

19. 2016-06-23
    historical 425-char remark

    Show marketing remark (425 chars)

    Remolded Mother-In-Law Suite. Spacious covered back deck with a large fenced in area giving you privacy right outside your back door. Large Eat-in Kitchen, Laundry Room Conveniently located on Main Level. Ceramic tile in kitchen and Laundry room. Central Air. Walk up Attic. 2013 Hot water tank. Remodeled Guest/Mother-in-law suite located behind home complete with Full Bath/Kitchen, New Siding and Roof. Off Street Parking.

20. 2015-06-24
    listed $47,500 425-char remark

    Show marketing remark (425 chars)

    Remolded Mother-In-Law Suite. Spacious covered back deck with a large fenced in area giving you privacy right outside your back door. Large Eat-in Kitchen, Laundry Room Conveniently located on Main Level. Ceramic tile in kitchen and Laundry room. Central Air. Walk up Attic. 2013 Hot water tank. Remodeled Guest/Mother-in-law suite located behind home complete with Full Bath/Kitchen, New Siding and Roof. Off Street Parking.

ⓘ 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: $1,268 · $106/mo
• Projected year-2 tax: $1,268 · $106/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,176
• − Mortgage interest: −$4,201
• − Property taxes: −$1,268
• − Insurance: −$375
• − Repairs & maintenance: −$1,054
• − Management: −$1,054
• − Depreciation: −$2,182
• Taxable income: $3,041
• Est. tax owed @ 24.0%: −$730
• After-tax cash flow: $3,316/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: Sharon City SD
• NCES district ID: 4221330
• Math proficiency: 20% ▼ -10.00%
• Reading proficiency: 42% ▼ -8.00%
• Median HH income: $31,081
• Composite: 25.14/100
• National rank: #7521
• State rank: #446 of 539 in PA

Livability — Sharon

• Score: 65/100
• State rank: #1100
• US rank: #12460

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sharon, PA
• County: Mercer County · 28,053 people
• City population: 12,936
• Metro: Youngstown-Warren-Boardman, OH-PA
• Population (ZIP): 12,936
• Household income: $45,670
• Rent vs Own: 47.0% rent · 53.0% own
• Severe rent burden: 685.0

Population outlook (Mercer County) Hauer SSP2

• Today (2025): 108,341 people
• By 2030: 104,269 · -3.8%
• By 2040: 94,624 · -12.7%
• By 2050: 84,891 · -21.6%
• By 2075: 65,094 · -39.9%
• By 2100: 47,657 · -56.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Black 16% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Romanian 3% Slovak 2% Iranian 1%
• Foreign-born: 4% · Canada
• Languages at home: 97% English-only · Russian/Polish/Slavic 1% Spanish 1% Arabic 1%

Political lean MEDSL · Mercer

• 2024 margin: Solid R (+30.2) · D 34.5% · R 64.7%
• 2008→2024 swing: -29.9pp toward R · 2008: -0.3pp · 2024: -30.2pp
• All cycles: 2024: R+30.2 2020: R+26.0 2016: R+25.0 2012: R+2.5 2008: R+0.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -109.55%
• Current HPI: 155.0912
• Rent YoY: —
• Metro: Youngstown-Warren-Boardman, OH-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

+57.9% since first listed

3 events — show timeline

• 2026-01-25 Listed $75,000 West Penn MLS
• 2016-06-23 Delisted — West Penn MLS
• 2015-06-24 Listed $47,500 West Penn MLS

Property tax history

-3.9%/yr

Latest (2025): $1,268 · +4.0% YoY. Source: county tax records.