2679 Haas Ln · Loyalsock, PA 17754

$299,900

3 bd · 2.5 ba · 1,781 sqft · SingleFamily public records · 10 Days on market

Built 1989 3,485 sqft lot Est $267k · 12% over $185/mo HOA · 5% of rent

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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 +24.1/30.0
• DSCR +7.8/10.0
• 1% rule +6.6/10.0
• Schools +4.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this stunning townhouse featuring a spacious first-floor primary bedroom complete with a walk-in tiled shower equipped with a safety bar and seat for your comfort and convenience. The kitchen boasts elegant granite countertops and newer appliances, complemented by gleaming hardwood floors that extend through the kitchen, dining, and living areas. Enjoy additional living space with a bonus sunroom and a private patio--perfect for relaxing or entertaining guests. A convenient half bath and laundry area complete the first floor. Upstairs, you'll find two generously sized bedrooms, a full bathroom, a versatile hobby room, and an open loft area that offers plenty of natural light. Amp

Key facts

• Bonus sunroom
• Private patio
• Walk in tiled shower

Tags

• FIRST FLOOR PRIMARY BEDROOM
• WALK IN TILED SHOWER
• GRANITE COUNTERTOPS
• HARDWOOD FLOORS
• BONUS SUNROOM
• PRIVATE PATIO

Property features AI

Finance

• Other: Subdivision: Sycamore
• HOA & community: Homeowners association with a $185 monthly fee

Exterior

• Parking: Attached garage with garage door opener
• Security: Smoke detectors
• Utilities: Public water; 200+ amp electric service
• Home design: Residential property
• Construction: Frame construction with vinyl siding; Concrete perimeter foundation; Shingle roof; Built area above grade: 1,781
• Exterior features: Patio; Porch; Level lot

Interior

• Kitchen: Dishwasher; Refrigerator; Range
• Bedrooms: Total rooms: 5
• Flooring: Tile; Wood; Carpet
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central air; Ceiling fans; Electric heating; Baseboard heating; Radiant heating
• Interior features: Ceiling fans; Walk-in closets; Open floor plan
• Laundry & utility: Washer and dryer (main level)

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $529 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $300k).

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Loyalsock Township SD (suburban): math 47% / reading 58% proficiency, ranked #152 of 539 in PA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Donald E. Schick Sch (math 51% / reading 59%, grade C, #498 of 1,518 statewide, top 33%, 754 students, 46% FRL); Loyalsock Twp Ms (math 36% / reading 58%, grade D+, #163 of 512 statewide, top 33%, 343 students, 47% FRL); Loyalsock Twp Shs (math 67% / reading 75%, grade B+, #41 of 437 statewide, top 10%, 452 students, 37% FRL).
• Market conditions: 69 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 73 units permitted in Lycoming County in 2024 (15 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Lycoming County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $176k; list at $300k implies a 70% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $299,900

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 8.68%
• Cash-on-cash: 8.51%
• DSCR: 1.38
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $267,150
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2674 Haas Ln	0.03mi	3/2.5	1,773 (-0%)	4mo	$255,000	$144	94
2675 Haas Ln	0.01mi	3/2.5	1,797 (+1%)	8mo	$258,000	$144	92
2622 Haas Ln	0.07mi	3/2.5	1,779 (-0%)	11mo	$291,500	$164	88
1723 Pentridge Cv	0.16mi	2/2.5 (-1)	1,814 (+2%)	3mo	$290,000	$160	82
2668 Haas Ln	0.04mi	3/2.5	1,953 (+10%)	1mo	$335,000	$172	82
2726 Lincoln Dr	0.28mi	3/2.5	1,728 (-3%)	6mo	$260,000	$150	76
2857 Four Mile Dr	0.44mi	3/2.0	1,788 (+0%)	5mo	$213,000	$119	73
80 Bullet Hill Rd	0.20mi	3/2.5	1,918 (+8%)	13mo	$355,000	$185	67
2813 Four Mile Dr	0.32mi	3/2.0	1,964 (+10%)	3mo	$279,900	$143	64
1420 Richards Ave	0.56mi	4/3.0 (+1)	1,822 (+2%)	10mo	$252,500	$139	55
1835 Nast Ave	0.55mi	3/3.0	1,848 (+4%)	14mo	$285,900	$155	54
1640 Fredna Ave	0.60mi	3/1.0	1,881 (+6%)	5mo	$239,900	$128	53

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: -4.7%
• Equity multiple: 0.82×
• Total profit: $-14,761
• Equity at exit: $44,716

10-year hold

• IRR: 5.0%
• Equity multiple: 1.37×
• Total profit: $31,108
• Equity at exit: $25,930

Cash invested: $83,972 (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 17754

• Home prices YoY: -26.2%
• Active inventory: 69
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $3,476 medium
• Mortgage (P&I): −$1,573
• Tax from tax record: −$268 /mo · $3,215/yr
• Insurance: −$125
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$185
• Vacancy / Maint / Mgmt: −$730
• Net cashflow: $529

Break-even live

Break-even rent $2,806

Max offer price $299,900

Occupancy floor 80%

Sensitivity live

Price	-10% $699	-5% $614	+0% $529	+5% $444	+10% $359
Rent	-10% $254	-5% $392	+0% $529	+5% $666	+10% $804
Rate	-1.0pp $680	-0.5pp $605	base $529	+0.5pp $451	+1.0pp $372

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: $74,975
• Closing costs: $8,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
300 Valley Heights Dr Williamsport, PA	1.0–3.0	1.0–2.0	1195	$3,476	$2.91	15d	1	1.33mi

HOA detail

• Monthly dues: $185 · $2,220/yr

Listing history 9 events

1. 2026-06-21
   days on market $299,900 Active 10 DOM
2. 2026-06-19
   days on market $299,900 Active 8 DOM
3. 2026-06-18
   days on market $299,900 Active 7 DOM
4. 2026-06-17
   days on market $299,900 Active 6 DOM
5. 2026-06-16
   days on market $299,900 Active 5 DOM
6. 2026-06-15
   days on market $299,900 Active 4 DOM
7. 2026-06-14
   days on market $299,900 Active 2 DOM
8. 2026-06-12
   remarks 699-char remark
9. 2026-06-12
   listed $299,900 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: $3,215 · $268/mo
• Projected year-2 tax: $3,976 · $331/mo
• Expected delta: +$762/yr (+$63/mo · 23.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,712
• − Mortgage interest: −$16,799
• − Property taxes: −$3,215
• − Insurance: −$2,297
• − Repairs & maintenance: −$3,337
• − Management: −$3,337
• − HOA: −$2,220
• − Depreciation: −$8,724
• Taxable income: $1,783
• Est. tax owed @ 24.0%: −$428
• After-tax cash flow: $5,920/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: Loyalsock Township SD
• NCES district ID: 4214310
• Math proficiency: 47% ▼ -10.00%
• Reading proficiency: 58% ▼ -13.00%
• Median HH income: $46,423
• Composite: 44.48/100
• National rank: #2800
• State rank: #152 of 539 in PA

Livability — Loyalsock

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

Census & demographics

• Census place: Kenmar, PA
• Population (ZIP): 11,971

Population outlook (Lycoming County) Hauer SSP2

• Today (2025): 114,164 people
• By 2030: 112,221 · -1.7%
• By 2040: 107,613 · -5.7%
• By 2050: 102,950 · -9.8%
• By 2075: 92,987 · -18.5%
• By 2100: 80,924 · -29.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 4% Hispanic / Latino 2% Asian 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 1% · China, Canada
• Languages at home: 97% English-only · Chinese 1%

Political lean MEDSL · Lycoming

• 2024 margin: Solid R (+41.5) · D 28.8% · R 70.3%
• 2008→2024 swing: -17.3pp toward R · 2008: -24.2pp · 2024: -41.5pp
• All cycles: 2024: R+41.5 2020: R+41.3 2016: R+44.8 2012: R+33.3 2008: R+24.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.31%
• Current HPI: 231.6196
• 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

+70.4% since first listed

2 events — show timeline

• 2026-06-08 Listed $299,900 WBVAR
• 2005-10-10 Sold (Public Records) $176,000 Public Records

Property tax history

+1.2%/yr

Latest (2026): $3,215 · +2.2% YoY. Source: county tax records.