174 Pretoria Dr · Benson, PA 15935

$61,000

2 bd · 1.0 ba · 917 sqft · SingleFamily · 69 Days on market

Built 1900 Fair condition 0.28 ac lot $67/sqft · 32% below area Est $90k · 32% under ↓ 4% since listing

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Why this score? — see what drove the A- 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 +9.7/10.0
• Appreciation +6.8/10.0
• Schools +5.7/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

With some updating this quaint 2 bedroom, 1 bath house, located in Conemaugh Twp SD, can be yours. This ranch style home has 2 bedrooms, a living room, dining room, kitchen and bath along with a full unfinished basement. The backyard has some great space for many different things. Also a one car garage is attached (outside entrances). Bring a tool belt and some ideas and this house could be looking stellar in no time.

Key facts

• One car garage
• Great space
• 0.28 acre lot

Tags

• FULL UNFINISHED BASEMENT
• ONE CAR GARAGE
• GREAT SPACE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $61k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $286 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($896 rent vs $61k).
• Recommended offer: $57k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#1,406 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, employment D, amenities F.
• Conemaugh Township Area SD (rural): math 59% / reading 75% proficiency, ranked #45 of 539 in PA (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Conemaugh Twp Area El Sch (math 77% / reading 77%, grade A, #69 of 1,518 statewide, top 5%, 389 students, 49% FRL); Conemaugh Twp Area Ms/Shs (math 48% / reading 72%, grade C+, #78 of 437 statewide, top 18%, 493 students, 34% FRL).
• Market conditions: 10 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($422 loan paydown + $2k appreciation (3.7% local appreciation)).
• Somerset County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.7% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($57k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $57,340 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is D 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?
8. 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.
9. 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.
10. 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: 1.47% ✓
• Cap rate: 11.92%
• Cash-on-cash: 20.11%
• DSCR: 1.89
• GRM: 5.7

CMA / ARV

• ARV (median comp): $90,209
• List price: $61,000
• Delta: -32.38%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

3.68% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.8%
• Equity multiple: 2.63×
• Total profit: $27,801
• Equity at exit: $29,783

10-year hold

• IRR: 27.7%
• Equity multiple: 5.14×
• Total profit: $70,793
• Equity at exit: $47,821

Cash invested: $17,080 (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 15935

• Home prices YoY: 2.5%
• Active inventory: 10
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $896 medium
• Mortgage (P&I): −$320
• Tax est. 1.5%: −$76 /mo · $915/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$188
• Net cashflow: $286

Break-even live

Break-even rent $534

Max offer price $61,000

Occupancy floor 63%

Sensitivity live

Price	-10% $328	-5% $307	+0% $286	+5% $265	+10% $244
Rent	-10% $215	-5% $251	+0% $286	+5% $322	+10% $357
Rate	-1.0pp $317	-0.5pp $302	base $286	+0.5pp $270	+1.0pp $254

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: $15,250
• Closing costs: $1,830
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $61,000 Active 69 DOM
2. 2026-06-18
   days on market $61,000 Active 68 DOM
3. 2026-06-17
   days on market $61,000 Active 67 DOM
4. 2026-06-16
   days on market $61,000 Active 66 DOM
5. 2026-06-15
   days on market $61,000 Active 65 DOM
6. 2026-06-14
   days on market $61,000 Active 63 DOM
7. 2026-06-12
   pricedays on market $61,000 Active 62 DOM
8. 2026-06-09
   days on market $64,000 Active 59 DOM
9. 2026-06-08
   days on market $64,000 Active 58 DOM
10. 2026-06-07
    days on market $64,000 Active 57 DOM
11. 2026-06-05
    days on market $64,000 Active 54 DOM
12. 2026-06-03
    days on market $64,000 Active 53 DOM
13. 2026-06-02
    days on market $64,000 Active 52 DOM
14. 2026-06-01
    days on market $64,000 Active 51 DOM
15. 2026-05-31
    days on market $64,000 Active 50 DOM
16. 2026-05-30
    days on market $64,000 Active 49 DOM
17. 2026-05-14
    price $64,000 421-char remark

    Show marketing remark (421 chars)

    With some updating this quaint 2 bedroom, 1 bath house, located in Conemaugh Twp SD, can be yours. This ranch style home has 2 bedrooms, a living room, dining room, kitchen and bath along with a full unfinished basement. The backyard has some great space for many different things. Also a one car garage is attached (outside entrances). Bring a tool belt and some ideas and this house could be looking stellar in no time.

18. 2026-04-11
    listed $67,000 Active 421-char remark

    Show marketing remark (421 chars)

    With some updating this quaint 2 bedroom, 1 bath house, located in Conemaugh Twp SD, can be yours. This ranch style home has 2 bedrooms, a living room, dining room, kitchen and bath along with a full unfinished basement. The backyard has some great space for many different things. Also a one car garage is attached (outside entrances). Bring a tool belt and some ideas and this house could be looking stellar in no time.

ⓘ 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 3/10 Moderate 7 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,750
• − Mortgage interest: −$3,417
• − Property taxes: −$915
• − Insurance: −$305
• − Repairs & maintenance: −$860
• − Management: −$860
• − Depreciation: −$1,775
• Taxable income: $2,619
• Est. tax owed @ 24.0%: −$628
• After-tax cash flow: $2,805/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.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires moderate renovations to improve its condition and increase its value. Painting, updating the kitchen and bathroom, and replacing outdated appliances and cabinetry would significantly enhance its appeal and value.

Repairs flagged

• Major Kitchen countertops — Worn and need replacement
• Major Appliances — Outdated and need replacement
• Major Cabinetry — Dated and need replacement
• Major Bath fixtures — Outdated and need replacement
• Major Flooring — Worn and need replacement
• Major Paint — Worn and need repainting

Value-add opportunities

• Both Painting and updating the kitchen and bathroom — Improves curb appeal and interior aesthetics
• Both Floor refinishing — Enhances the living space and adds value
• Both Replacing outdated appliances and cabinetry — Modernizes the kitchen and adds value
• Both Updating the bathroom fixtures — Enhances the bathroom and adds value

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen countertops · Worn and need replacement	Major	$15,000–50,000
Appliances · Outdated and need replacement	Major	$15,000–50,000
Cabinetry · Dated and need replacement	Major	$15,000–50,000
Bath fixtures · Outdated and need replacement	Major	$15,000–50,000
Flooring · Worn and need replacement	Major	$15,000–50,000
Paint · Worn and need repainting	Major	$15,000–50,000
Total estimated repair cost · 6 items		$90,000–300,000

Value-add ROI direction

• Both Painting and updating the kitchen and bathroom — Improves curb appeal and interior aesthetics ↑
• Both Floor refinishing — Enhances the living space and adds value ↑
• Both Replacing outdated appliances and cabinetry — Modernizes the kitchen and adds value ↑
• Both Updating the bathroom fixtures — Enhances the bathroom and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Conemaugh Township Area SD
• NCES district ID: 4206420
• Math proficiency: 59% ▼ -10.00%
• Reading proficiency: 75% ▼ -4.00%
• Median HH income: $47,140
• Composite: 56.55/100
• National rank: #1150
• State rank: #45 of 539 in PA

Livability — Benson

• Score: 61/100
• State rank: #1406
• US rank: #17763

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,567

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (99%)
• Race & ethnicity: White 99%
• Common ancestry: Romanian 12% Scotch-Irish 4% Slovene 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · German/W. Germanic 5%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.68%
• Current HPI: 149.6211
• 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

-4.5% since first listed

2 events — show timeline

• 2026-05-14 Price Changed $64,000 CSMLS
• 2026-04-11 Listed $67,000 CSMLS