40 E Columbia Rd · East Pennsboro, PA 17025

$140,000

2 bd · 1.0 ba · 933 sqft · Townhouse public records · 7 Days on market

Built 1936 3,485 sqft lot Est $149k · 6% 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 +23.1/30.0
• ARV discount +10.3/15.0
• DSCR +7.4/10.0
• 1% rule +5.8/10.0
• Rent growth +4.1/5.0
• Schools +3.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 40 E Columbia Rd, Enola! This charming home presents an excellent opportunity for first-time homebuyers, investors, or anyone looking to add their personal touch. Nestled in an established neighborhood, the property offers a convenient location close to shopping, dining, schools, and major commuter routes. Enjoy relaxing or entertaining on the rear deck overlooking the yard. Being sold as-is, this home is priced to allow the next owner to build equity and make it their own. Whether you're looking for a primary residence or your next investment property, don't miss the potential and value this property has to offer.

Key facts

• Rear deck
• Built 1936
• Listed 7 days

Tags

• REAR DECK
• ESTABLISHED NEIGHBORHOOD

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer; Electric heating fuel
• Home design: Semi-detached structure; Vinyl siding; Shingle roof; Fee simple ownership; Finished above-grade area per assessor
• Construction: Built year source: Assessor; Stone foundation
• Exterior features: Not in a federal flood zone; No tidal water

Interior

• Bedrooms: 2 bedrooms on the main level
• Bathrooms: 1 full bathroom on the main level; 1 full bathroom total
• Heating & cooling: Baseboard electric heating; Hot water supplied by natural gas
• Interior features: Basement present (other type); Living area source is Assessor

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $252 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL).
• Zoned-school proficiency averages 77% at this address vs 44% district-wide (+34 pts) — the actual schools serving this property are materially stronger than the East Pennsboro Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+6.5%/yr); 126 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $968 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 6.5% rent growth), your $39k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts 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.
• Current owner paid $45k; list at $140k implies a 211% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1936 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,000

Questions for the listing agent

1. Built in 1936 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.08% ✓
• Cap rate: 8.45%
• Cash-on-cash: 7.72%
• DSCR: 1.34
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $149,280
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
54 E Columbia Rd	0.04mi	3/1.0 (+1)	987 (+6%)	6mo	$155,000	$157	79
205 Susquehanna Ave	0.12mi	3/1.0 (+1)	1,060 (+14%)	4mo	$170,000	$160	63
426 Duke St Unit B	0.28mi	2/1.5	870 (-7%)	21mo	$145,000	$167	56
133 S Enola Dr	0.74mi	3/1.0 (+1)	1,061 (+14%)	22mo	$165,000	$156	19

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: -0.8%
• Equity multiple: 0.97×
• Total profit: $-1,166
• Equity at exit: $20,874

10-year hold

• IRR: 12.2%
• Equity multiple: 2.12×
• Total profit: $43,746
• Equity at exit: $12,105

Cash invested: $39,200 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 126
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,515 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$153 /mo · $1,832/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$318
• Net cashflow: $252

Break-even live

Break-even rent $1,196

Max offer price $140,000

Occupancy floor 78%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
21 Radam St Enola, PA	1.0	1.0	580	$1,295	$2.23	44d	1	0.78mi
7 Adams St Unit 08 Enola, PA	2.0	1.0	700	$1,300	$1.86	23d	1	1.05mi

Listing history 8 events

1. 2026-06-19
   status $140,000 Pending 7 DOM
2. 2026-06-18
   days on market $140,000 Active 7 DOM
3. 2026-06-17
   days on market $140,000 Active 6 DOM
4. 2026-06-16
   days on market $140,000 Active 5 DOM
5. 2026-06-15
   days on market $140,000 Active 4 DOM
6. 2026-06-14
   days on market $140,000 Active 2 DOM
7. 2026-06-13
   remarks 633-char remark
8. 2026-06-13
   listed $140,000 Active 1 DOM

ⓘ 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: $1,832 · $153/mo
• Projected year-2 tax: $2,022 · $169/mo
• Expected delta: +$190/yr (+$16/mo · 10.4%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,186
• − Mortgage interest: −$7,842
• − Property taxes: −$1,832
• − Insurance: −$700
• − Repairs & maintenance: −$1,455
• − Management: −$1,455
• − Depreciation: −$4,073
• Taxable income: $829
• Est. tax owed @ 24.0%: −$199
• After-tax cash flow: $2,825/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — East Pennsboro

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

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• Metro: Harrisburg-Carlisle, 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

+254.4% since first listed

8 events — show timeline

• 2026-06-11 Listed $140,000 BRIGHT MLS
• 2026-04-28 Listing Removed — BRIGHT MLS
• 2026-03-31 Price Changed $155,000 BRIGHT MLS
• 2026-03-28 Relisted — BRIGHT MLS
• 2026-03-19 Pending — BRIGHT MLS
• 2026-02-27 Listed $159,636 BRIGHT MLS
• 2025-05-06 Sold (Public Records) $45,000 Public Records
• 1988-05-27 Sold (Public Records) $39,500 Public Records

Property tax history

+3.4%/yr

Latest (2026): $1,832 · +1.8% YoY. Source: county tax records.