4974 Williamsport Rd · Elizabeth, PA 15037

$115,000

3 bd · 2.0 ba · 1,528 sqft · SingleFamily public records · 33 Days on market

Built 1880 5,227 sqft lot Est $147k · 22% under ↓ 8% 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 +17.0/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• 1% rule +5.2/10.0
• Schools +4.5/10.0
• 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

Two-unit duplex offering flexibility for investors or owner-occupants seeking a value-add property. The first-floor / lower-level unit features a functional layout with 2 bedrooms, a large living room, full bathroom, and a half bath located off the kitchen, along with in-unit laundry and a separate entrance. This unit operates on boiler/radiator heat, with the tenant responsible for gas, electric, and water. The upper-level unit has a private rear entrance and includes a kitchen, living room, bathroom, and two bedrooms, one of which is captive. This unit also offers in-unit laundry and operates on electric heat, with the tenant responsible for electric and water. Exterior features include off-street parking and outdoor space. Conveniently located near 2nd and 3rd Streets in Elizabeth, with easy access to Route 51, shopping, dining, and local amenities. The property reflects regular use and would benefit from cosmetic updates, making it a solid option for buyers looking to improve over time or add to a rental portfolio.

Key facts

• Separate entrance
• Separate utilities
• Off street parking

Tags

• SEPARATE ENTRANCE
• PRIVATE REAR ENTRANCE
• SEPARATE UTILITIES
• OFF STREET PARKING
• OUTDOOR SPACE

Property features AI

Finance

• Financial info: Unit rents reported: one unit at $725, the other estimated around $900

Exterior

• Parking: Off-street parking for 2 vehicles
• Utilities: Electricity available; Natural gas available; Public water available; Public sewer available
• Home design: Multifamily building with 2 total units
• Construction: Frame construction; Asphalt roof
• Exterior features: Residential zoning; Lot approximately 0.12 acres

Interior

• Bedrooms: Two 2-bedroom units (each unit has 2 bedrooms)
• Bathrooms: One full bathroom in Unit 1; One full and one half bathroom in Unit 2
• Interior features: Unfinished basement

🏷️ Possibly a rental listed for sale. The $115,000 price doesn't fit this home's estimated sale value (~$146,951) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $79 ($947/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $112k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#818 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B+; Watch: amenities F, commute F, employment D-.
• Elizabeth Forward SD (suburban): math 41% / reading 65% proficiency, ranked #136 of 539 in PA (top 25%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 33 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($112k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $111,550 (3.0% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1880 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.02% ✓
• Cap rate: 7.12%
• Cash-on-cash: 2.94%
• DSCR: 1.13
• GRM: 8.2

CMA / ARV

• ARV (median comp): $146,951
• List price: $115,000
• Delta: -21.74%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
723 9th Ave	0.15mi	3/1.0	1,554 (+2%)	22mo	$185,000	$119	68
709 12th St	0.06mi	3/1.0	1,334 (-13%)	7mo	$90,404	$68	67
402 Ekin St	0.37mi	3/2.5	1,680 (+10%)	3mo	$268,200	$160	62
923 7th Ave	0.24mi	3/1.5	1,300 (-15%)	9mo	$38,000	$29	55
207 Shaffer Ave	0.60mi	3/1.5	1,472 (-4%)	13mo	$246,000	$167	53
304 Wylie Ave	0.65mi	4/2.0 (+1)	1,578 (+3%)	11mo	$225,000	$143	50
742 Bunola River Rd	0.62mi	3/2.5	1,425 (-7%)	20mo	$325,000	$228	41
306 Chicago Ave	0.70mi	2/1.0 (-1)	1,360 (-11%)	4mo	$97,500	$72	37
407 Rothey Dr	0.34mi	4/1.0 (+1)	1,300 (-15%)	17mo	$70,000	$54	36
302 1st St	0.73mi	3/1.0	1,460 (-4%)	22mo	$28,505	$20	36
136 Similo Dr	0.47mi	3/1.0	1,752 (+15%)	23mo	$180,000	$103	31

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: -11.6%
• Equity multiple: 0.58×
• Total profit: $-13,562
• Equity at exit: $17,147

10-year hold

• IRR: -2.4%
• Equity multiple: 0.84×
• Total profit: $-5,142
• Equity at exit: $9,943

Cash invested: $32,200 (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 15037

• Home prices YoY: -11.8%
• Active inventory: 33
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,170 high
• Mortgage (P&I): −$603
• Tax from tax record: −$194 /mo · $2,330/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$246
• Net cashflow: $79

Break-even live

Break-even rent $1,070

Max offer price $115,000

Occupancy floor 88%

Sensitivity live

Price	-10% $144	-5% $111	+0% $79	+5% $46	+10% $14
Rent	-10% $-14	-5% $33	+0% $79	+5% $125	+10% $171
Rate	-1.0pp $137	-0.5pp $108	base $79	+0.5pp $49	+1.0pp $19

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
513 S 2nd Ave Elizabeth, PA	3.0	1.5	1625	$1,195	$0.74	3d	1	0.30mi
874 Vankirk St Clairton, PA	3.0	1.5	1296	$1,150	$0.89	45d	1	1.26mi
866 Vankirk St Unit 1 Clairton, PA	2.0	1.5	1440	$1,200	$0.83	45d	1	1.28mi
127 Constitution Cir Clairton, PA	2.0	1.0	1063	$1,275	$1.20	11d	1	1.44mi
809 3rd St Unit 194 Clairton, PA	2.0	1.5	1244	$1,081	$0.87	45d	1	1.45mi
809 3rd St Unit 624 Clairton, PA	2.0	1.5	1240	$1,008	$0.81	45d	1	1.45mi

Listing history 23 events

1. 2026-06-21
   days on market $115,000 Active 33 DOM
2. 2026-06-18
   days on market $115,000 Active 30 DOM
3. 2026-06-17
   days on market $115,000 Active 29 DOM
4. 2026-06-16
   days on market $115,000 Active 28 DOM
5. 2026-06-15
   days on market $115,000 Active 27 DOM
6. 2026-06-13
   days on market $115,000 Active 25 DOM
7. 2026-06-09
   days on market $115,000 Active 21 DOM
8. 2026-06-08
   days on market $115,000 Active 20 DOM
9. 2026-06-07
   days on market $115,000 Active 19 DOM
10. 2026-06-05
    days on market $115,000 Active 16 DOM
11. 2026-06-03
    days on market $115,000 Active 15 DOM
12. 2026-06-02
    days on market $115,000 Active 14 DOM
13. 2026-06-01
    days on market $115,000 Active 13 DOM
14. 2026-05-31
    days on market $115,000 Active 12 DOM
15. 2026-05-19
    listed $115,000 Active 1193-char remark
16. 2026-05-17
    historical Expired 1034-char remark

    Show marketing remark (1034 chars)

    Two-unit duplex offering flexibility for investors or owner-occupants seeking a value-add property. The first-floor / lower-level unit features a functional layout with 2 bedrooms, a large living room, full bathroom, and a half bath located off the kitchen, along with in-unit laundry and a separate entrance. This unit operates on boiler/radiator heat, with the tenant responsible for gas, electric, and water. The upper-level unit has a private rear entrance and includes a kitchen, living room, bathroom, and two bedrooms, one of which is captive. This unit also offers in-unit laundry and operates on electric heat, with the tenant responsible for electric and water. Exterior features include off-street parking and outdoor space. Conveniently located near 2nd and 3rd Streets in Elizabeth, with easy access to Route 51, shopping, dining, and local amenities. The property reflects regular use and would benefit from cosmetic updates, making it a solid option for buyers looking to improve over time or add to a rental portfolio.

17. 2026-03-03
    price $115,000 1034-char remark

    Show marketing remark (1034 chars)

    Two-unit duplex offering flexibility for investors or owner-occupants seeking a value-add property. The first-floor / lower-level unit features a functional layout with 2 bedrooms, a large living room, full bathroom, and a half bath located off the kitchen, along with in-unit laundry and a separate entrance. This unit operates on boiler/radiator heat, with the tenant responsible for gas, electric, and water. The upper-level unit has a private rear entrance and includes a kitchen, living room, bathroom, and two bedrooms, one of which is captive. This unit also offers in-unit laundry and operates on electric heat, with the tenant responsible for electric and water. Exterior features include off-street parking and outdoor space. Conveniently located near 2nd and 3rd Streets in Elizabeth, with easy access to Route 51, shopping, dining, and local amenities. The property reflects regular use and would benefit from cosmetic updates, making it a solid option for buyers looking to improve over time or add to a rental portfolio.

18. 2026-01-15
    listed $120,000 Active 1034-char remark

    Show marketing remark (1034 chars)

    Two-unit duplex offering flexibility for investors or owner-occupants seeking a value-add property. The first-floor / lower-level unit features a functional layout with 2 bedrooms, a large living room, full bathroom, and a half bath located off the kitchen, along with in-unit laundry and a separate entrance. This unit operates on boiler/radiator heat, with the tenant responsible for gas, electric, and water. The upper-level unit has a private rear entrance and includes a kitchen, living room, bathroom, and two bedrooms, one of which is captive. This unit also offers in-unit laundry and operates on electric heat, with the tenant responsible for electric and water. Exterior features include off-street parking and outdoor space. Conveniently located near 2nd and 3rd Streets in Elizabeth, with easy access to Route 51, shopping, dining, and local amenities. The property reflects regular use and would benefit from cosmetic updates, making it a solid option for buyers looking to improve over time or add to a rental portfolio.

19. 2025-06-04
    price $114,000

    Show marketing remark (627 chars)

    Investor or house hacker's opportunity with this up-down duplex in the heart of Elizabeth The first unit features 2 bedrooms, 1.5 bathrooms, in-unit laundry, and a covered patio. Upstairs, the second unit offers 2 bedrooms (1 captive) and 1 bathroom, with in-unit laundry and deck, ideal for a variety of living arrangements. Located just up the hill from the shops and restaurants on 2nd and 3rd Streets, this property offers the perfect blend of small-town charm and convenience with Route 51 just around the corner for commuting ease. Great opportunity for a first time investor or a solid addition to your rental portfolio.

20. 2025-05-25
    price $119,000

    Show marketing remark (627 chars)

    Investor or house hacker's opportunity with this up-down duplex in the heart of Elizabeth The first unit features 2 bedrooms, 1.5 bathrooms, in-unit laundry, and a covered patio. Upstairs, the second unit offers 2 bedrooms (1 captive) and 1 bathroom, with in-unit laundry and deck, ideal for a variety of living arrangements. Located just up the hill from the shops and restaurants on 2nd and 3rd Streets, this property offers the perfect blend of small-town charm and convenience with Route 51 just around the corner for commuting ease. Great opportunity for a first time investor or a solid addition to your rental portfolio.

21. 2025-05-12
    listed $125,000 Active

    Show marketing remark (627 chars)

    Investor or house hacker's opportunity with this up-down duplex in the heart of Elizabeth The first unit features 2 bedrooms, 1.5 bathrooms, in-unit laundry, and a covered patio. Upstairs, the second unit offers 2 bedrooms (1 captive) and 1 bathroom, with in-unit laundry and deck, ideal for a variety of living arrangements. Located just up the hill from the shops and restaurants on 2nd and 3rd Streets, this property offers the perfect blend of small-town charm and convenience with Route 51 just around the corner for commuting ease. Great opportunity for a first time investor or a solid addition to your rental portfolio.

22. 2025-03-01
    historical Contingent
23. 2024-11-16
    listed $125,000 Active

ⓘ 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: $2,330 · $194/mo
• Projected year-2 tax: $2,330 · $194/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 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,036
• − Mortgage interest: −$6,442
• − Property taxes: −$2,330
• − Insurance: −$575
• − Repairs & maintenance: −$1,123
• − Management: −$1,123
• − Depreciation: −$3,345
• Taxable loss: −$902
• Est. tax savings @ 24.0%: +$216
• After-tax cash flow: $1,163/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: Elizabeth Forward SD
• NCES district ID: 4209090
• Math proficiency: 41% ▼ -16.00%
• Reading proficiency: 65% ▼ -8.00%
• Median HH income: $53,344
• Composite: 45.5/100
• National rank: #2611
• State rank: #136 of 539 in PA

Livability — Elizabeth

• Score: 69/100
• State rank: #818
• US rank: #8377

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 10,412

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 4% Asian 2%
• Common ancestry: Romanian 10% Slovak 6% Serbian 1%
• Foreign-born: 2% · Canada, India
• Languages at home: 96% English-only · Other Indo-European 2% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -35.61%
• Current HPI: 266.2418
• 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

-8.0% since first listed

9 events — show timeline

• 2026-05-19 Listed $115,000 West Penn MLS
• 2026-05-17 Delisted — West Penn MLS
• 2026-03-03 Price Changed $115,000 West Penn MLS
• 2026-01-15 Listed $120,000 West Penn MLS
• 2025-06-04 Price Changed $114,000 West Penn MLS
• 2025-05-25 Price Changed $119,000 West Penn MLS
• 2025-05-12 Listed $125,000 West Penn MLS
• 2025-03-01 Contingent — West Penn MLS
• 2024-11-16 Listed $125,000 West Penn MLS

Property tax history

+2.5%/yr

Latest (2026): $2,330 · +4.4% YoY. Source: county tax records.