1910 Maple · Munhall, PA 15120

$125,000

3 bd · 1.0 ba · 1,152 sqft · SingleFamily public records · 118 Days on market

Built 1929 $109/sqft · 198% above area

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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 +24.8/30.0
• DSCR +8.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Livability +3.9/5.0
• Rent growth +3.5/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

PROPERTY BEING SOLD IN "AS IS CONDITION" Separately or AS PORTFOLIO or bundle a group. SERIOUS INQUIRIES ONLY. WILL NEED A 5 DAY NOTICE TO VIEW DUE TO TENANT OCCUPANCY, PLEASE DRIVE BY TO VIEW. PLEASE SEE ATTACHED MLS #s 1740802, 1740806, 1740810, 1740811, 1740813, 1740814, 1740916, 1740929, 1740934, 1740939, 1741723 1741727, 1741729, 1741731, 1744133

Key facts

• Parking
• Built 1929
• Listed 117 days

🏷️ Possibly a rental listed for sale. The $125,000 price doesn't fit this home's estimated sale value (~$406,358) 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/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $265 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $114k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.8% vs local median 6.8% in Munhall — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#308 in PA, #2,734 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: employment D+, amenities F.
• Steel Valley SD (suburban): math 29% / reading 45% proficiency, ranked #403 of 539 in PA (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.1%/yr); 93 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 31% of the median local income ($56k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $35k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 118 days — a 9% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y ago; this cycle's ask has dropped $15k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $28k; list at $125k implies a 346% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1929 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $113,750 (9.0% below list)

Questions for the listing agent

1. It's been on market 118 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1929 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 8.83%
• Cash-on-cash: 9.08%
• DSCR: 1.40
• GRM: 7.2

CMA / ARV

• ARV (median comp): $406,358
• List price: $125,000
• Delta: -69.24%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
609 E 18th Ave	0.22mi	2/1.0 (-1)	1,156 (+0%)	1mo	$36,000	$31	84
700 E 19th Ave	0.20mi	2/1.0 (-1)	1,167 (+1%)	5mo	$100,000	$86	79
228 W Marigold St	0.47mi	3/1.5	1,168 (+1%)	1mo	$179,900	$154	73
2441 Dewey St	0.48mi	2/1.5 (-1)	1,180 (+2%)	2mo	$239,900	$203	65
1042 Hays Ln	0.59mi	4/1.0 (+1)	1,164 (+1%)	2mo	$18,500	$16	64
1714 Maple St	0.11mi	2/2.0 (-1)	1,024 (-11%)	4mo	$73,250	$72	64
2444 Dewey St	0.49mi	2/1.0 (-1)	1,060 (-8%)	0mo	$61,000	$58	58
188 W Schwab Ave	0.57mi	3/1.5	1,080 (-6%)	4mo	$122,000	$113	57
293 W Schwab	0.39mi	3/2.0	1,308 (+14%)	4mo	$105,000	$80	51
230 W Schwab Ave	0.47mi	3/2.0	1,312 (+14%)	2mo	$238,000	$181	49
1115 Cascade Dr	0.48mi	3/2.0	981 (-15%)	2mo	$180,000	$183	48
2907 Main St	0.66mi	3/1.5	1,324 (+15%)	6mo	$185,000	$140	37

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 · 4.06% rent growth · sell at horizon

5-year hold

• IRR: -1.3%
• Equity multiple: 0.95×
• Total profit: $-1,793
• Equity at exit: $18,638

10-year hold

• IRR: 9.5%
• Equity multiple: 1.77×
• Total profit: $26,855
• Equity at exit: $10,808

Cash invested: $35,000 (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 15120

• Home prices YoY: -16.9%
• Rents YoY: 4.1%
• Active inventory: 93
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,453 high
• Mortgage (P&I): −$656
• Tax from tax record: −$176 /mo · $2,107/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $265

Break-even live

Break-even rent $1,118

Max offer price $125,000

Occupancy floor 77%

Sensitivity live

Price	-10% $336	-5% $300	+0% $265	+5% $229	+10% $194
Rent	-10% $150	-5% $207	+0% $265	+5% $322	+10% $380
Rate	-1.0pp $328	-0.5pp $297	base $265	+0.5pp $232	+1.0pp $199

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
623 E 18th Ave Homestead, PA	2.0	1.0	1156	$1,600	$1.38	45d	1	0.23mi
300 W 13th Ave Unit 302 Homestead, PA	2.0	1.0	1088	$1,150	$1.06	17d	1	0.39mi
300 W 13th Ave Homestead, PA	2.0	1.0	1088	$1,125	$1.03	17d	1	0.39mi
621 E 9th Ave Homestead, PA	2.0	2.0	1400	$1,425	$1.02	25d	1	0.59mi
810 Amity St Unit 2 Homestead, PA	2.0	1.0	800	$995	$1.24	13d	1	0.61mi
214 Vine St Homestead, PA	2.0	1.0	1034	$1,150	$1.11	45d	1	0.63mi
1254 Edgewood Dr Homestead, PA	3.0	1.0	1144	$1,725	$1.51	45d	1	0.66mi
308 Lea St Homestead, PA	4.0	2.0	1480	$1,490	$1.01	4d	1	0.69mi
931 Hilltop St Homestead, PA	3.0	1.5	1312	$1,500	$1.14	16d	1	0.71mi
3305 W Run Rd Munhall, PA	2.0	1.0	1100	$1,365	$1.24	25d	1	0.82mi
3705 Botsford St Apt 2 Munhall, PA	3.0	1.0	1000	$1,195	$1.20	45d	1	1.07mi

Listing history 25 events

1. 2026-06-21
   days on market $125,000 Active 118 DOM
2. 2026-06-18
   days on market $125,000 Active 115 DOM
3. 2026-06-17
   days on market $125,000 Active 114 DOM
4. 2026-06-16
   days on market $125,000 Active 113 DOM
5. 2026-06-15
   days on market $125,000 Active 112 DOM
6. 2026-06-13
   pricedays on market $125,000 Active 110 DOM
7. 2026-06-09
   days on market $139,000 Active 106 DOM
8. 2026-06-08
   days on market $139,000 Active 105 DOM
9. 2026-06-07
   days on market $139,000 Active 104 DOM
10. 2026-06-05
    days on market $139,000 Active 101 DOM
11. 2026-06-03
    days on market $139,000 Active 100 DOM
12. 2026-06-02
    days on market $139,000 Active 99 DOM
13. 2026-06-01
    days on market $139,000 Active 98 DOM
14. 2026-05-31
    days on market $139,000 Active 97 DOM
15. 2026-05-19
    price $139,000 364-char remark

    Show marketing remark (364 chars)

    PROPERTY BEING SOLD IN "AS IS CONDITION" Separately or AS PORTFOLIO or bundle a group. SERIOUS INQUIRIES ONLY. WILL NEED A 5 DAY NOTICE TO VIEW DUE TO TENANT OCCUPANCY, PLEASE DRIVE BY TO VIEW. PLEASE SEE ATTACHED MLS #s 1740802, 1740806, 1740810, 1740811, 1740813, 1740814, 1740916, 1740929, 1740934, 1740939, 1741723 1741727, 1741729, 1741731, 1744133

16. 2026-05-11
    status Active 364-char remark

    Show marketing remark (364 chars)

    PROPERTY BEING SOLD IN "AS IS CONDITION" Separately or AS PORTFOLIO or bundle a group. SERIOUS INQUIRIES ONLY. WILL NEED A 5 DAY NOTICE TO VIEW DUE TO TENANT OCCUPANCY, PLEASE DRIVE BY TO VIEW. PLEASE SEE ATTACHED MLS #s 1740802, 1740806, 1740810, 1740811, 1740813, 1740814, 1740916, 1740929, 1740934, 1740939, 1741723 1741727, 1741729, 1741731, 1744133

17. 2026-04-06
    historical Contingent 364-char remark

    Show marketing remark (364 chars)

    PROPERTY BEING SOLD IN "AS IS CONDITION" Separately or AS PORTFOLIO or bundle a group. SERIOUS INQUIRIES ONLY. WILL NEED A 5 DAY NOTICE TO VIEW DUE TO TENANT OCCUPANCY, PLEASE DRIVE BY TO VIEW. PLEASE SEE ATTACHED MLS #s 1740802, 1740806, 1740810, 1740811, 1740813, 1740814, 1740916, 1740929, 1740934, 1740939, 1741723 1741727, 1741729, 1741731, 1744133

18. 2026-02-25
    historical $1,200
19. 2026-02-21
    listed $140,000 Active 364-char remark

    Show marketing remark (364 chars)

    PROPERTY BEING SOLD IN "AS IS CONDITION" Separately or AS PORTFOLIO or bundle a group. SERIOUS INQUIRIES ONLY. WILL NEED A 5 DAY NOTICE TO VIEW DUE TO TENANT OCCUPANCY, PLEASE DRIVE BY TO VIEW. PLEASE SEE ATTACHED MLS #s 1740802, 1740806, 1740810, 1740811, 1740813, 1740814, 1740916, 1740929, 1740934, 1740939, 1741723 1741727, 1741729, 1741731, 1744133

20. 2026-01-25
    listed $1,200
21. 2014-04-01
    soldstatus $28,000
22. 2014-03-31
    price $28,000
23. 2014-03-31
    price $39,900
24. 2014-03-31
    soldstatus $28,000
25. 2013-08-10
    listed $39,900

ⓘ 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: $2,107 · $176/mo
• Projected year-2 tax: $2,107 · $176/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 · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,437
• − Mortgage interest: −$7,002
• − Property taxes: −$2,107
• − Insurance: −$625
• − Repairs & maintenance: −$1,395
• − Management: −$1,395
• − Depreciation: −$3,636
• Taxable income: $1,277
• Est. tax owed @ 24.0%: −$306
• After-tax cash flow: $2,871/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: Steel Valley SD
• NCES district ID: 4222790
• Math proficiency: 29% ▼ -1.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $39,505
• Composite: 30.94/100
• National rank: #6111
• State rank: #403 of 539 in PA

Livability — Munhall

• Score: 78/100
• State rank: #308
• US rank: #2734

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Munhall, PA
• County: Allegheny County · 1,022,028 people
• City population: 18,029
• Metro: Pittsburgh, PA
• Population (ZIP): 18,029
• Household income: $55,714
• Rent vs Own: 36.8% rent · 63.2% own
• Severe rent burden: 669.0

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 (74%)
• Race & ethnicity: White 74% Black 20% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 6% Lithuanian 1% Scotch-Irish 1%
• Foreign-born: 3% · South Korea, Canada
• Languages at home: 95% English-only · Spanish 3% Russian/Polish/Slavic 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: ▼ -59.52%
• Current HPI: 292.5607
• Rent YoY: ▲ 4.06%
• Metro: Pittsburgh, PA
• 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

+248.4% since first listed

11 events — show timeline

• 2026-05-19 Price Changed $139,000 West Penn MLS
• 2026-05-11 Relisted — West Penn MLS
• 2026-04-06 Contingent — West Penn MLS
• 2026-02-25 Rental Removed $1,200 TURBOTENANT
• 2026-02-21 Listed $140,000 West Penn MLS
• 2026-01-25 Listed for Rent $1,200 TURBOTENANT
• 2014-04-01 Sold (Public Records) $28,000 Public Records
• 2014-03-31 Price Changed $28,000 West Penn MLS
• 2014-03-31 Sold (MLS) $28,000 West Penn MLS
• 2014-03-31 Price Changed $39,900 West Penn MLS
• 2013-08-10 Listed $39,900 West Penn MLS

Property tax history

+3.2%/yr

Latest (2026): $2,107 · +3.9% YoY. Source: county tax records.