215 N 4th St · Youngwood, PA 15697

$59,000

4 bd · 1.5 ba · 1,560 sqft · Other · 74 Days on market

Built 1920 5,998 sqft lot ↓ 19% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.9/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

Key facts

• Covered front porch
• Finished attic
• Separate dining room

Tags

• FINISHED ATTIC
• EAT IN KITCHEN
• SEPARATE DINING ROOM
• COVERED FRONT PORCH
• COVERED BACK PORCH

Property features AI

Finance

• Financial info: Assessed value listed at $14,310; Annual tax approximately $2,012

Exterior

• Home design: 2-story brick house; Resale property
• Construction: Brick construction
• Exterior features: Lot approximately 0.1377 acres (about 6,098 sq ft)

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath other listed at $59k.

Deal economics

• At list price, monthly cash flow is $680 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $59k).
• Recommended offer: $55k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#1,463 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, schools F, amenities F.
• Hempfield Area SD (suburban): math 50% / reading 64% proficiency, ranked #90 of 539 in PA (top 17%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 28 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $408 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Westmoreland County population projected at -19% 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 $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($55k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 30y ago; this cycle's ask has dropped $40k (40%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 3.5% of price; built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $55,460 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 2.54% ✓
• Cap rate: 20.12%
• Cash-on-cash: 49.38%
• DSCR: 3.20
• GRM: 3.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 47.1%
• Equity multiple: 3.05×
• Total profit: $33,818
• Equity at exit: $8,797

10-year hold

• IRR: 52.8%
• Equity multiple: 6.18×
• Total profit: $85,533
• Equity at exit: $5,101

Cash invested: $16,520 (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 15697

• Home prices YoY: -17.3%
• Active inventory: 28
• Price-to-rent: 3.3×

Monthly cashflow live

• Estimated rent: $1,500 medium
• Mortgage (P&I): −$309
• Tax from tax record: −$171 /mo · $2,055/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $680

Break-even live

Break-even rent $640

Max offer price $59,000

Occupancy floor 50%

Sensitivity live

Price	-10% $713	-5% $696	+0% $680	+5% $663	+10% $646
Rent	-10% $561	-5% $621	+0% $680	+5% $739	+10% $798
Rate	-1.0pp $709	-0.5pp $695	base $680	+0.5pp $664	+1.0pp $649

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: $14,750
• Closing costs: $1,770
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
202 S 3rd St Youngwood, PA	4.0	2.0	1596	$1,500	$0.94	24d	1	0.47mi

Listing history 22 events

1. 2026-05-01
   status Pending
2. 2026-04-29
   price $59,000
3. 2026-04-21
   price $65,000
4. 2026-04-13
   price $69,000
5. 2026-03-30
   price $74,000
6. 2026-03-20
   price $79,000
7. 2026-03-12
   price $84,000
8. 2026-03-07
   price $89,000
9. 2026-02-25
   price $94,000
10. 2026-02-16
    listed $99,000 Active
11. 2026-02-10
    soldstatus $54,400 Closed 804-char remark

    Show marketing remark (804 chars)

    AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

12. 2026-01-03
    status Pending 804-char remark

    Show marketing remark (804 chars)

    AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

13. 2025-12-17
    price $54,400 804-char remark

    Show marketing remark (804 chars)

    AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

14. 2025-10-23
    price $92,400 804-char remark

    Show marketing remark (804 chars)

    AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

15. 2025-04-07
    listed $93,600 Active 804-char remark

    Show marketing remark (804 chars)

    AUCTION-HOME CANNOT BE SHOWN - This colonial style single family home offers 3 bedrooms and 1.5 bathrooms with approximately 1560 square feet of living space on a 0.14 acre lot. The foreclosure deed has been recorded, allowing for shorter closing timelines. No Buyer Premium on this property. The seller has closing representation in this transaction. The buyer has the right to select their own title/closing company, or may use the sellers title company. The buyer is responsible for all closing costs in this transaction. In the event the buyer chooses their own title/closing company, the buyer will be responsible for additional costs for coordinating the closing that are completed by the sellers title company. It is a criminal offense to trespass on this property. NO TRESPASSING. HOME IS VACANT.

16. 2017-07-03
    soldstatus $100,000
17. 2017-06-30
    soldstatus $100,000 Sold 267-char remark

    Show marketing remark (267 chars)

    2 STORY ALL BRICK 4-5 BEDROOM HOME, FINISHED ATTIC . LARGE EAT IN KITCHEN, SEPERATE DINING ROOM, MUD ROOM. HAS NEWER FURNACE AND CENTRAL AIR 1 YEAR OLD. LARGE COVERED FRONT PORCH, 5 CAR OFF STREET PARKING. LARGE COVERED FRONT PORCH. EASY ACCESS TO ALL MAJOR HIGHWAYS.

18. 2017-05-15
    historical Contingent 267-char remark

    Show marketing remark (267 chars)

    2 STORY ALL BRICK 4-5 BEDROOM HOME, FINISHED ATTIC . LARGE EAT IN KITCHEN, SEPERATE DINING ROOM, MUD ROOM. HAS NEWER FURNACE AND CENTRAL AIR 1 YEAR OLD. LARGE COVERED FRONT PORCH, 5 CAR OFF STREET PARKING. LARGE COVERED FRONT PORCH. EASY ACCESS TO ALL MAJOR HIGHWAYS.

19. 2017-04-20
    listed $104,900 Active 267-char remark

    Show marketing remark (267 chars)

    2 STORY ALL BRICK 4-5 BEDROOM HOME, FINISHED ATTIC . LARGE EAT IN KITCHEN, SEPERATE DINING ROOM, MUD ROOM. HAS NEWER FURNACE AND CENTRAL AIR 1 YEAR OLD. LARGE COVERED FRONT PORCH, 5 CAR OFF STREET PARKING. LARGE COVERED FRONT PORCH. EASY ACCESS TO ALL MAJOR HIGHWAYS.

20. 2003-05-01
    soldstatus $82,000
21. 1997-03-07
    soldstatus $68,000
22. 1996-12-08
    listed $73,000

ⓘ 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: $2,055 · $171/mo
• Projected year-2 tax: $2,055 · $171/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 4/10 Moderate 7 d/yr ≥96°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,000
• − Mortgage interest: −$3,305
• − Property taxes: −$2,055
• − Insurance: −$295
• − Repairs & maintenance: −$1,440
• − Management: −$1,440
• − Depreciation: −$1,716
• Taxable income: $7,749
• Est. tax owed @ 24.0%: −$1,860
• After-tax cash flow: $6,298/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: Hempfield Area SD
• NCES district ID: 4211760
• Math proficiency: 50% ▼ -11.00%
• Reading proficiency: 64% ▼ -12.00%
• Median HH income: $54,928
• Composite: 49.01/100
• National rank: #2066
• State rank: #90 of 539 in PA

Livability — Youngwood

• Score: 60/100
• State rank: #1463
• US rank: #18873

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Youngwood, PA
• City population: 2,906
• Population (ZIP): 2,906

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 5%
• Common ancestry: Romanian 11% Iranian 4% Italian 3%
• Foreign-born: 0%
• Languages at home: 99% English-only · Other Indo-European 1%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -31.15%
• Current HPI: 149.3045
• 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

-19.2% since first listed

22 events — show timeline

• 2026-05-01 Pending — West Penn MLS
• 2026-04-29 Price Changed $59,000 West Penn MLS
• 2026-04-21 Price Changed $65,000 West Penn MLS
• 2026-04-13 Price Changed $69,000 West Penn MLS
• 2026-03-30 Price Changed $74,000 West Penn MLS
• 2026-03-20 Price Changed $79,000 West Penn MLS
• 2026-03-12 Price Changed $84,000 West Penn MLS
• 2026-03-07 Price Changed $89,000 West Penn MLS
• 2026-02-25 Price Changed $94,000 West Penn MLS
• 2026-02-16 Listed $99,000 West Penn MLS
• 2026-02-10 Sold (MLS) $54,400 BRIGHT MLS
• 2026-01-03 Pending — BRIGHT MLS
• 2025-12-17 Price Changed $54,400 BRIGHT MLS
• 2025-10-23 Price Changed $92,400 BRIGHT MLS
• 2025-04-07 Listed $93,600 BRIGHT MLS
• 2017-07-03 Sold (Public Records) $100,000 Public Records
• 2017-06-30 Sold (MLS) $100,000 West Penn MLS
• 2017-05-15 Contingent — West Penn MLS
• 2017-04-20 Listed $104,900 West Penn MLS
• 2003-05-01 Sold (Public Records) $82,000 Public Records
• 1997-03-07 Sold (MLS) $68,000 West Penn MLS
• 1996-12-08 Listed $73,000 West Penn MLS

Property tax history

+2.2%/yr

Latest (2026): $2,055 · +2.1% YoY. Source: county tax records.