1287 Maryland Ave · Johnstown, PA 15906

$52,500

2 bd · 1.5 ba · 1,168 sqft · SingleFamily · 4 Days on market

5,227 sqft lot Est $37k · 40% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• Appreciation +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• ARV discount +0.0/15.0

Listing remarks

Move right into this charming 2-bedroom home in Lower Yoder, ideally situated on a quiet no-outlet street with a wooded setting. Lovingly maintained over the years, this home offers a comfortable living room with carpeting and an open staircase, a separate dining room, and a spacious kitchen with all appliances included. Just off the larger bedroom is an 8x10 bonus room, perfect for a home office, nursery, or walk-in closet. Relax and enjoy the beautiful views from the covered front porch. Featuring a newer boiler and low taxes, this well-cared-for home is ready for its next owner. Call today for your personal tour!

Key facts

• Covered front porch
• Separate dining room
• 8x10 bonus room

Tags

• QUIET NO-OUTLET STREET
• WOODED SETTING
• SEPARATE DINING ROOM
• SPACIOUS KITCHEN
• 8X10 BONUS ROOM
• COVERED FRONT PORCH

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer / sewer available
• Home design: Two-level single family home; Residential property
• Construction: Aluminum siding; Shingle roof
• Exterior features: Covered patio and porch; Rectangular lot

Interior

• Kitchen: Range, oven and refrigerator
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Hot water heating; Natural gas heating
• Interior features: Includes dryer, range, oven, refrigerator and washer; Full basement
• Laundry & utility: Laundry located in basement; Washer and dryer included

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $52k.

Deal economics

• At list price, monthly cash flow is $319 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($848 rent vs $52k).

Location & tenants

• Location reads 77/100 on livability (#363 in PA, #3,168 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools D+, crime F, employment F.
• Greater Johnstown SD (urban): math 9% / reading 25% proficiency, ranked #509 of 539 in PA (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 47 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $363 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% 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 $15k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $52,500

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. 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?
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: 1.62% ✓
• Cap rate: 13.58%
• Cash-on-cash: 26.01%
• DSCR: 2.16
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $37,376
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
48 D St	0.25mi	2/1.0	1,127 (-4%)	12mo	$42,500	$38	70
151 R Stackhouse St	0.15mi	2/1.0	1,024 (-12%)	2mo	$39,000	$38	68
612 Virginia Ave	0.40mi	2/1.0	1,162 (-0%)	18mo	$26,500	$23	64
217 Olds Ave	0.44mi	3/2.0 (+1)	1,148 (-2%)	8mo	$50,000	$44	63
153 D St	0.41mi	3/2.0 (+1)	1,250 (+7%)	15mo	$20,000	$16	50
86 K St	0.63mi	2/1.5	1,220 (+4%)	18mo	$24,900	$20	48
77 Boyer St	0.69mi	3/2.0 (+1)	1,236 (+6%)	6mo	$39,500	$32	46
354 Kennard St	0.72mi	2/1.0	1,086 (-7%)	8mo	$35,000	$32	46
222 Strayer St	0.73mi	3/1.0 (+1)	1,160 (-1%)	15mo	$34,900	$30	46
120 D St	0.34mi	3/1.0 (+1)	1,008 (-14%)	15mo	$27,000	$27	42
214 Gable St	0.68mi	3/1.5 (+1)	1,280 (+10%)	11mo	$62,000	$48	38
192 Beatty Ave	0.56mi	2/1.0	1,000 (-14%)	13mo	$33,500	$34	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 1.80×
• Total profit: $11,793
• Equity at exit: $7,828

10-year hold

• IRR: 28.0%
• Equity multiple: 3.48×
• Total profit: $36,425
• Equity at exit: $4,539

Cash invested: $14,700 (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 15906

• Home prices YoY: -4.0%
• Active inventory: 47
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $848 high
• Mortgage (P&I): −$275
• Tax from tax record: −$54 /mo · $652/yr
• Insurance: −$22
• HOA: −$0
• Vacancy / Maint / Mgmt: −$178
• Net cashflow: $319

Break-even live

Break-even rent $445

Max offer price $52,500

Occupancy floor 57%

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: $13,125
• Closing costs: $1,575
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
207 Burkhard St Johnstown, PA	2.0	1.0	856	$825	$0.96	23d	1	0.40mi
213 Stone St Johnstown, PA	2.0	1.0	989	$1,100	$1.11	23d	1	0.86mi
444 Stone St Unit 444 Johnstown, PA	2.0	1.0	950	$700	$0.74	23d	1	0.91mi
444 Stone St Johnstown, PA	2.0	1.0	908	$700	$0.77	43d	1	0.93mi
459 Stone St Johnstown, PA	3.0	1.0	1120	$900	$0.80	23d	1	0.94mi

Listing history 5 events

1. 2026-06-19
   days on market $52,500 Active 4 DOM
2. 2026-06-18
   days on market $52,500 Active 3 DOM
3. 2026-06-17
   days on market $52,500 Active 2 DOM
4. 2026-06-16
   remarks 623-char remark
5. 2026-06-16
   listed $52,500 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: $652 · $54/mo
• Projected year-2 tax: $741 · $62/mo
• Expected delta: +$89/yr (+$7/mo · 13.6%)

ⓘ 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 ≥96°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,180
• − Mortgage interest: −$2,941
• − Property taxes: −$652
• − Insurance: −$262
• − Repairs & maintenance: −$814
• − Management: −$814
• − Depreciation: −$1,527
• Taxable income: $3,168
• Est. tax owed @ 24.0%: −$760
• After-tax cash flow: $3,063/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: Greater Johnstown SD
• NCES district ID: 4210950
• Math proficiency: 9% ▼ -6.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $27,890
• Composite: 13.25/100
• National rank: #9550
• State rank: #509 of 539 in PA

Livability — Johnstown

• Score: 77/100
• State rank: #363
• US rank: #3168

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 9,654

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 11% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Romanian 8% Polish 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -3.26%
• Current HPI: 77.6797
• 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

1 event — show timeline

• 2026-06-15 Listed $52,500 CSMLS

Property tax history

+0.6%/yr

Latest (2026): $652 · +0.0% YoY. Source: county tax records.