170 Elm St E · Bradford, PA 16701

$19,700

3 bd · 1.5 ba · 1,952 sqft · Other public records · 281 Days on market

Built 1910 2,613 sqft lot ↓ 53% since listing

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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 +25.9/30.0
• DSCR +8.7/10.0
• ARV discount +7.5/15.0
• 1% rule +6.9/10.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

Key facts

• 2,613 sq ft lot
• Garage
• Built 1910

🔨 Auction listing. The $19,700 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $85,670 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath other listed at $20k.

Deal economics

• At list price, monthly cash flow is $211 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $20k).
• Recommended offer: $17k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 4.3% in Bradford — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#814 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.
• Bradford Area SD (town): math 41% / reading 60% proficiency, ranked #187 of 539 in PA (top 35%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: George Blaisdell El Sch (567 students, 100% FRL); Floyd C Fretz Ms (math 33% / reading 60%, grade D+, #172 of 512 statewide, top 35%, 568 students, 100% FRL); Bradford Area Hs (math 72% / reading 24%, grade D, #153 of 437 statewide, top 37%, 751 students, 100% FRL) — zoned schools average 100% FRL vs 47% district-wide (53 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 78 active listings in the ZIP; 29 units permitted in McKean County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $592 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• McKean County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 281 days — a 12% lower offer ($17k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $22k (53%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 6.5% of price; built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $17,336 (12.0% below list)

Questions for the listing agent

1. It's been on market 281 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — 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. 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?
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: 1.19% ✓
• Cap rate: 9.25%
• Cash-on-cash: 10.56%
• DSCR: 1.47
• GRM: 7.0

CMA / ARV

• ARV (median comp): $85,670
• List price: $19,700
• Delta: -77.00%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -0.5%
• Equity multiple: 0.98×
• Total profit: $-429
• Equity at exit: $12,774

10-year hold

• IRR: 9.2%
• Equity multiple: 1.71×
• Total profit: $16,993
• Equity at exit: $7,407

Cash invested: $23,988 (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 16701

• Home prices YoY: -17.9%
• Active inventory: 78
• Price-to-rent: 1.6×

Monthly cashflow live

• Estimated rent: $1,017 medium
• Mortgage (P&I): −$449
• Tax est. 1.5%: −$107 /mo · $1,285/yr
• Insurance: −$36
• HOA: −$0
• Vacancy / Maint / Mgmt: −$213
• Net cashflow: $211

Break-even live

Break-even rent $749

Max offer price $85,670

Occupancy floor 74%

Sensitivity live

Price	-10% $270	-5% $241	+0% $211	+5% $181	+10% $152
Rent	-10% $131	-5% $171	+0% $211	+5% $251	+10% $291
Rate	-1.0pp $254	-0.5pp $233	base $211	+0.5pp $189	+1.0pp $166

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: $21,418
• Closing costs: $2,570
• Reserves months: —
• Total cash needed: —

Listing history 27 events

1. 2026-06-21
   days on market $19,700 Active 281 DOM
2. 2026-06-21
   days on market $19,700 Active 280 DOM
3. 2026-06-18
   days on market $19,700 Active 278 DOM
4. 2026-06-17
   days on market $19,700 Active 277 DOM
5. 2026-06-16
   days on market $19,700 Active 276 DOM
6. 2026-06-15
   days on market $19,700 Active 275 DOM
7. 2026-06-13
   days on market $19,700 Active 273 DOM
8. 2026-06-12
   days on market $19,700 Active 272 DOM
9. 2026-06-09
   days on market $19,700 Active 269 DOM
10. 2026-06-08
    days on market $19,700 Active 268 DOM
11. 2026-06-08
    days on market $19,700 Active 267 DOM
12. 2026-06-07
    days on market $19,700 Active 266 DOM
13. 2026-06-04
    days on market $19,700 Active 263 DOM
14. 2026-06-02
    days on market $19,700 Active 262 DOM
15. 2026-06-01
    days on market $19,700 Active 261 DOM
16. 2026-05-31
    days on market $19,700 Active 260 DOM
17. 2026-05-20
    price $19,700 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

18. 2026-05-14
    status Active 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

19. 2026-03-20
    status Pending 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

20. 2026-02-09
    price $20,700 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

21. 2026-02-09
    status Active 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

22. 2026-02-06
    historical 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

23. 2025-12-03
    price $22,500 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

24. 2025-10-21
    price $27,500 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

25. 2025-09-22
    price $32,500 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

26. 2025-08-19
    price $37,500 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

27. 2025-07-17
    listed $42,000 Active 727-char remark

    Show marketing remark (727 chars)

    This 3-bedroom, 1.5-bath home offers approximately 1,952 square feet of living space and includes a 1-car attached basement garage. Located in the heart of Bradford, this structure is ready for your vision and updates. Whether you're looking for a primary residence to personalize, a renovation project, or an addition to your investment portfolio, this property has potential. Being sold in as-is condition—bring your ideas and make it your own! THIS property is now placed in the AUCTION site. For that information, please reach out to the list agent please or refer to the agent remarks section as the link site is posted there, as we are not allowed to post in the public area. Auction Dates: 2/23/2026 - 2/25/2026

ⓘ 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 2/10 Low 8 d/yr ≥90°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,198
• − Mortgage interest: −$4,799
• − Property taxes: −$1,285
• − Insurance: −$428
• − Repairs & maintenance: −$976
• − Management: −$976
• − Depreciation: −$2,492
• Taxable income: $1,242
• Est. tax owed @ 24.0%: −$298
• After-tax cash flow: $2,234/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: Bradford Area SD
• NCES district ID: 4204020
• Math proficiency: 41% ▼ -5.00%
• Reading proficiency: 60% ▼ -4.00%
• Median HH income: $41,477
• Composite: 42.31/100
• National rank: #3261
• State rank: #187 of 539 in PA

Livability — Bradford

• Score: 69/100
• State rank: #814
• US rank: #8325

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradford, PA
• Population (ZIP): 16,584

Population outlook (McKean County) Hauer SSP2

• Today (2025): 40,518 people
• By 2030: 39,290 · -3.0%
• By 2040: 36,438 · -10.1%
• By 2050: 33,556 · -17.2%
• By 2075: 27,682 · -31.7%
• By 2100: 21,726 · -46.4%

Race, ethnicity, and origin ACS 2023

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

Political lean MEDSL · McKean

• 2024 margin: Solid R (+47.2) · D 26.0% · R 73.2%
• 2008→2024 swing: -29.9pp toward R · 2008: -17.3pp · 2024: -47.2pp
• All cycles: 2024: R+47.2 2020: R+46.2 2016: R+47.2 2012: R+28.2 2008: R+17.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.54%
• Current HPI: 149.3686
• 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

-53.1% since first listed

11 events — show timeline

• 2026-05-20 Price Changed $19,700 BRIGHT MLS
• 2026-05-14 Relisted — BRIGHT MLS
• 2026-03-20 Pending — BRIGHT MLS
• 2026-02-09 Price Changed $20,700 BRIGHT MLS
• 2026-02-09 Relisted — BRIGHT MLS
• 2026-02-06 Listing Removed — BRIGHT MLS
• 2025-12-03 Price Changed $22,500 BRIGHT MLS
• 2025-10-21 Price Changed $27,500 BRIGHT MLS
• 2025-09-22 Price Changed $32,500 BRIGHT MLS
• 2025-08-19 Price Changed $37,500 BRIGHT MLS
• 2025-07-17 Listed $42,000 BRIGHT MLS

Property tax history

+1.4%/yr

Latest (2025): $1,677 · +3.3% YoY. Source: county tax records.