316 W Mount Vernon · Titusville, PA 16354

$39,000

3 bd · 1.0 ba · 1,200 sqft · SingleFamily · 226 Days on market

Built 1900 6,534 sqft lot $32/sqft · 51% below area ↓ 13% 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
• Livability +4.2/5.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Here is a winter project that is sure to procure and investor. The home has great bones with plumb walls, nice room sizes and beautiful pine floors just ready for polishing. A full basement with refrigerator adds space for storage and wonderful sunporch offers space for relaxing with your morning coffee. You will find that work has been started, with wall insulation, replacement windows, drywall, a new roof in 2021 and some new plumbing. There is work that has been completed and is now ready for drywall and someone with an eye for decorating. Electric upgraded to 200 amp and any existing knob and tube is no long actrice. The kitchen could be expanded into the living room creating a great open floor plan. Property is in flood zone, but that side of the street has never flooded during seller's ownership. An engineer's elevation study will likely show that the flood zone is below the first floor elevat to eliminated the requirement for flood insurance if you are using a lender.

Key facts

• Electric upgraded
• Full basement
• Wonderful sunporch

Tags

• FULL BASEMENT
• WONDERFUL SUNPORCH
• WALL INSULATION
• REPLACEMENT WINDOWS
• NEW ROOF
• ELECTRIC UPGRADED

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $39k.

Deal economics

• At list price, monthly cash flow is $522 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $39k).
• Recommended offer: $34k (12.0% below list) — sets the bar for market timing.
• Cap rate 24.1% vs local median 6.7% in Titusville — 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 84/100 on livability (#104 in PA, #777 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, health & safety A+; Watch: amenities F, employment F.
• Titusville Area SD (town): math 35% / reading 55% proficiency, ranked #287 of 539 in PA (top 53%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 32 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $270 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Crawford County population projected at -22% 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 $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 226 days — a 12% lower offer ($34k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $14k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $34,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 226 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 1900 — 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 2.87% ✓
• Cap rate: 24.07%
• Cash-on-cash: 63.48%
• DSCR: 3.82
• GRM: 2.9

CMA / ARV

• ARV (median comp): $79,950
• List price: $39,000
• Delta: -51.22%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
123 Brook St	0.30mi	2/1.0 (-1)	1,200 (0%)	16mo	$18,000	$15	67
86 North Dillon Dr	0.50mi	3/2.0	1,236 (+3%)	9mo	$100,000	$81	60
525 West Walnut St	0.55mi	2/1.0 (-1)	1,204 (+0%)	11mo	$84,000	$70	60
622 West Elm St	0.50mi	3/1.0	1,200 (0%)	21mo	$98,500	$82	59
731 W Elm St	0.63mi	3/2.0	1,214 (+1%)	12mo	$116,000	$96	55
315 W Elm St	0.29mi	3/1.5	1,360 (+13%)	13mo	$110,000	$81	51
526 W Walnut St	0.53mi	2/1.0 (-1)	1,144 (-5%)	20mo	$83,000	$73	46
598 Maxwell Dr	0.51mi	3/2.0	1,344 (+12%)	8mo	$145,000	$108	45
320 N Brown St	0.64mi	2/2.0 (-1)	1,176 (-2%)	20mo	$100,000	$85	41
220 N Monroe St	0.47mi	2/1.5 (-1)	1,037 (-14%)	13mo	$88,000	$85	37
614 Maxwell Dr	0.56mi	2/1.0 (-1)	1,080 (-10%)	20mo	$110,500	$102	36
996 National Forge Rd	0.63mi	3/3.0	1,320 (+10%)	14mo	$130,000	$98	35

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: 55.9%
• Equity multiple: 3.47×
• Total profit: $27,008
• Equity at exit: $5,815

10-year hold

• IRR: 61.0%
• Equity multiple: 7.10×
• Total profit: $66,640
• Equity at exit: $3,372

Cash invested: $10,920 (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 16354

• Home prices YoY: -5.3%
• Active inventory: 32
• Price-to-rent: 2.9×

Monthly cashflow live

• Estimated rent: $1,120 medium
• Mortgage (P&I): −$205
• Tax from tax record: −$87 /mo · $1,040/yr
• Insurance: −$16
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$235
• Net cashflow: $522

Break-even live

Break-even rent $459

Max offer price $39,000

Occupancy floor 48%

Sensitivity live

Price	-10% $544	-5% $533	+0% $522	+5% $511	+10% $500
Rent	-10% $434	-5% $478	+0% $522	+5% $566	+10% $611
Rate	-1.0pp $542	-0.5pp $532	base $522	+0.5pp $512	+1.0pp $502

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: $9,750
• Closing costs: $1,170
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-21
   days on market $39,000 Active 226 DOM
2. 2026-06-18
   days on market $39,000 Active 224 DOM
3. 2026-06-17
   days on market $39,000 Active 223 DOM
4. 2026-06-16
   days on market $39,000 Active 222 DOM
5. 2026-06-15
   days on market $39,000 Active 221 DOM
6. 2026-06-13
   days on market $39,000 Active 219 DOM
7. 2026-06-12
   days on market $39,000 Active 218 DOM
8. 2026-06-09
   days on market $39,000 Active 215 DOM
9. 2026-06-08
   days on market $39,000 Active 214 DOM
10. 2026-06-08
    days on market $39,000 Active 213 DOM
11. 2026-06-07
    pricedays on market $39,000 Active 212 DOM
12. 2026-06-04
    days on market $45,500 Active 209 DOM
13. 2026-06-02
    days on market $45,500 Active 208 DOM
14. 2026-06-01
    days on market $45,500 Active 207 DOM
15. 2026-05-31
    days on market $45,500 Active 206 DOM
16. 2026-04-01
    status Active 990-char remark

    Show marketing remark (990 chars)

    Here is a winter project that is sure to procure and investor. The home has great bones with plumb walls, nice room sizes and beautiful pine floors just ready for polishing. A full basement with refrigerator adds space for storage and wonderful sunporch offers space for relaxing with your morning coffee. You will find that work has been started, with wall insulation, replacement windows, drywall, a new roof in 2021 and some new plumbing. There is work that has been completed and is now ready for drywall and someone with an eye for decorating. Electric upgraded to 200 amp and any existing knob and tube is no long actrice. The kitchen could be expanded into the living room creating a great open floor plan. Property is in flood zone, but that side of the street has never flooded during seller's ownership. An engineer's elevation study will likely show that the flood zone is below the first floor elevat to eliminated the requirement for flood insurance if you are using a lender.

17. 2026-04-01
    price $45,500 990-char remark

    Show marketing remark (990 chars)

    Here is a winter project that is sure to procure and investor. The home has great bones with plumb walls, nice room sizes and beautiful pine floors just ready for polishing. A full basement with refrigerator adds space for storage and wonderful sunporch offers space for relaxing with your morning coffee. You will find that work has been started, with wall insulation, replacement windows, drywall, a new roof in 2021 and some new plumbing. There is work that has been completed and is now ready for drywall and someone with an eye for decorating. Electric upgraded to 200 amp and any existing knob and tube is no long actrice. The kitchen could be expanded into the living room creating a great open floor plan. Property is in flood zone, but that side of the street has never flooded during seller's ownership. An engineer's elevation study will likely show that the flood zone is below the first floor elevat to eliminated the requirement for flood insurance if you are using a lender.

18. 2026-04-01
    historical 990-char remark

    Show marketing remark (990 chars)

    Here is a winter project that is sure to procure and investor. The home has great bones with plumb walls, nice room sizes and beautiful pine floors just ready for polishing. A full basement with refrigerator adds space for storage and wonderful sunporch offers space for relaxing with your morning coffee. You will find that work has been started, with wall insulation, replacement windows, drywall, a new roof in 2021 and some new plumbing. There is work that has been completed and is now ready for drywall and someone with an eye for decorating. Electric upgraded to 200 amp and any existing knob and tube is no long actrice. The kitchen could be expanded into the living room creating a great open floor plan. Property is in flood zone, but that side of the street has never flooded during seller's ownership. An engineer's elevation study will likely show that the flood zone is below the first floor elevat to eliminated the requirement for flood insurance if you are using a lender.

19. 2025-11-06
    listed $52,500 Active 990-char remark

    Show marketing remark (990 chars)

    Here is a winter project that is sure to procure and investor. The home has great bones with plumb walls, nice room sizes and beautiful pine floors just ready for polishing. A full basement with refrigerator adds space for storage and wonderful sunporch offers space for relaxing with your morning coffee. You will find that work has been started, with wall insulation, replacement windows, drywall, a new roof in 2021 and some new plumbing. There is work that has been completed and is now ready for drywall and someone with an eye for decorating. Electric upgraded to 200 amp and any existing knob and tube is no long actrice. The kitchen could be expanded into the living room creating a great open floor plan. Property is in flood zone, but that side of the street has never flooded during seller's ownership. An engineer's elevation study will likely show that the flood zone is below the first floor elevat to eliminated the requirement for flood insurance if you are using a lender.

ⓘ 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: $1,040 · $87/mo
• Projected year-2 tax: $1,040 · $87/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 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,444
• − Mortgage interest: −$2,185
• − Property taxes: −$1,040
• − Insurance: −$861
• − Repairs & maintenance: −$1,076
• − Management: −$1,076
• − Depreciation: −$1,135
• Taxable income: $6,073
• Est. tax owed @ 24.0%: −$1,457
• After-tax cash flow: $4,808/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: Titusville Area SD
• NCES district ID: 4223490
• Math proficiency: 35% ▼ -9.00%
• Reading proficiency: 55% ▼ -10.00%
• Median HH income: $38,179
• Composite: 37.43/100
• National rank: #4418
• State rank: #287 of 539 in PA

Livability — Titusville

• Score: 84/100
• State rank: #104
• US rank: #777

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Titusville, PA
• Population (ZIP): 10,120

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2%
• Common ancestry: Romanian 5% Serbian 3% Iranian 3%
• Foreign-born: 1% · South Korea

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -12.41%
• Current HPI: 221.8311
• 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

-13.3% since first listed

4 events — show timeline

• 2026-04-01 Relisted — AVBREALTORS
• 2026-04-01 Price Changed $45,500 AVBREALTORS
• 2026-04-01 Delisted — AVBREALTORS
• 2025-11-06 Listed $52,500 AVBREALTORS

Property tax history

+0.3%/yr

Latest (2025): $1,040 · +2.7% YoY. Source: county tax records.