137 Vine St · Canonsburg, PA 15317

$249,900

3 bd · 2.0 ba · 3,416 sqft · SingleFamily public records · 160 Days on market

Built 1905 5,558 sqft lot $73/sqft · 47% below area Est $471k · 47% under ↓ 19% since listing

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Why this score? — see what drove the D 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).

• ARV discount +15.0/15.0
• Cash flow +9.6/30.0
• Schools +5.3/10.0
• Livability +4.2/5.0
• 1% rule +3.4/10.0
• DSCR +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway.

Key facts

• Ample parking
• Eat-in kitchen
• Cozy fireplace

Tags

• EXPANSIVE FAMILY ROOM
• COZY FIREPLACE
• EAT-IN KITCHEN
• DEN WITH RUSTIC BARN DOORS
• OUTDOOR PATIO
• AMPLE PARKING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-167 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $220k (11.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $211k (15.7% below list).
• Recommended offer: $211k (15.7% below list) — sets the bar for 1% rule.
• Cap rate 5.5% vs local median 4.1% in Canonsburg — 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 83/100 on livability (#127 in PA, #997 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D+, amenities F.
• Canon-Mcmillan SD (suburban): math 49% / reading 72% proficiency, ranked #66 of 539 in PA (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 19% free/reduced lunch — higher-income household profile.
• Zoned schools: Canonsburg Ms (math 37% / reading 71%, grade B-, #82 of 512 statewide, top 16%, 777 students, 26% FRL); Canon-Mcmillan Shs (math 83%, 1,655 students, 26% FRL).
• Market conditions: Rents soft (-2.3%/yr); 196 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 160 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y 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 1905 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $210,686 (15.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 160 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Built in 1905 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Schools are A-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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.84% ✗
• Cap rate: 5.49%
• Cash-on-cash: -2.86%
• DSCR: 0.87
• GRM: 9.9

CMA / ARV

• ARV (median comp): $470,756
• List price: $249,900
• Delta: -46.92%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
236 W Pike St	0.59mi	4/5.0 (+1)	3,268 (-4%)	20mo	$500,000	$153	32

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -24.7%
• Equity multiple: 0.18×
• Total profit: $-57,211
• Equity at exit: $37,261

10-year hold

• IRR: -33.8%
• Equity multiple: -0.24×
• Total profit: $-86,987
• Equity at exit: $21,607

Cash invested: $69,972 (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 15317

• Home prices YoY: -30.2%
• Rents YoY: -2.3%
• Active inventory: 196
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,107 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$417 /mo · $5,002/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$442
• Net cashflow: $-167

Break-even live

Break-even rent $2,318

Max offer price $220,395

Occupancy floor —

Sensitivity live

Price	-10% $-26	-5% $-96	+0% $-167	+5% $-238	+10% $-308
Rent	-10% $-333	-5% $-250	+0% $-167	+5% $-84	+10% $-1
Rate	-1.0pp $-41	-0.5pp $-103	base $-167	+0.5pp $-232	+1.0pp $-298

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
437 Greenwood Dr Canonsburg, PA	3.0	3.5	2382	$2,500	$1.05	14d	1	0.71mi

Listing history 33 events

1. 2026-06-21
   days on market $249,900 Active 160 DOM
2. 2026-06-18
   days on market $249,900 Active 157 DOM
3. 2026-06-17
   days on market $249,900 Active 156 DOM
4. 2026-06-16
   days on market $249,900 Active 155 DOM
5. 2026-06-15
   days on market $249,900 Active 154 DOM
6. 2026-06-13
   days on market $249,900 Active 152 DOM
7. 2026-06-09
   days on market $249,900 Active 148 DOM
8. 2026-06-08
   days on market $249,900 Active 147 DOM
9. 2026-06-07
   days on market $249,900 Active 146 DOM
10. 2026-06-03
    days on market $249,900 Active 142 DOM
11. 2026-06-02
    days on market $249,900 Active 141 DOM
12. 2026-06-01
    days on market $249,900 Active 140 DOM
13. 2026-05-31
    days on market $249,900 Active 139 DOM
14. 2026-04-03
    status Active 636-char remark

    Show marketing remark (636 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway.

15. 2026-03-27
    historical Contingent 636-char remark

    Show marketing remark (636 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway.

16. 2026-01-12
    listed $249,900 Active 636-char remark

    Show marketing remark (636 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway.

17. 2026-01-05
    historical Expired 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

18. 2025-10-10
    price $274,900 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

19. 2025-03-17
    price $304,900 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

20. 2025-03-13
    status Active 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

21. 2025-02-11
    price $309,900 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

22. 2025-01-06
    listed $314,900 Active 668-char remark

    Show marketing remark (668 chars)

    Prepare to be delighted by the unexpected spaciousness of this unique gem. It features three bedrooms, two full bathrooms, main floor laundry, and a expansive family room with a cozy fireplace that invites warm evenings. But there's even more to discover! The fantastic eat-in kitchen is perfect for your culinary adventures, and just off the entryway, you'll find a den with charming rustic barn doors—a versatile space that can serve as your home office or a creative nook. The outdoor patio is ideal for hosting family gatherings, and you'll have ample parking with an oversized two-car integral garage and a large driveway. Plus, a home warranty is included!

23. 2024-09-25
    price $319,900
24. 2024-09-03
    price $324,900
25. 2024-08-21
    price $334,850
26. 2024-08-20
    listed $334,900 Active
27. 2022-06-29
    soldstatus $290,000
28. 2022-06-28
    status Pending
29. 2022-06-27
    soldstatus $290,000 Closed
30. 2022-05-14
    historical Contingent
31. 2022-05-09
    price $284,900
32. 2022-05-04
    price $299,900
33. 2022-04-28
    listed $310,000 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: $5,002 · $417/mo
• Projected year-2 tax: $5,002 · $417/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 ≥95°F today · 19 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: $25,282
• − Mortgage interest: −$13,998
• − Property taxes: −$5,002
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,023
• − Management: −$2,023
• − Depreciation: −$7,270
• Taxable loss: −$6,282
• Est. tax savings @ 24.0%: +$1,508
• After-tax cash flow: $-497/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: Canon-Mcmillan SD
• NCES district ID: 4204890
• Math proficiency: 49% ▼ -14.00%
• Reading proficiency: 72% ▼ -8.00%
• Median HH income: $62,946
• Composite: 52.63/100
• National rank: #1557
• State rank: #66 of 539 in PA

Livability — Canonsburg

• Score: 83/100
• State rank: #127
• US rank: #997

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Canonsburg, PA
• County: Washington County · 106,469 people
• City population: 43,871
• Metro: Pittsburgh, PA
• Population (ZIP): 43,871
• Household income: $108,044
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 478.0

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Asian 3% Two or more races 3% Black 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Slovak 3% Serbian 2%
• Foreign-born: 4% · Canada, India
• Languages at home: 95% English-only · Other Indo-European 2% Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -110.61%
• Current HPI: 256.016
• Rent YoY: ▼ -2.29%
• 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

-19.4% since first listed

20 events — show timeline

• 2026-04-03 Relisted — West Penn MLS
• 2026-03-27 Contingent — West Penn MLS
• 2026-01-12 Listed $249,900 West Penn MLS
• 2026-01-05 Delisted — West Penn MLS
• 2025-10-10 Price Changed $274,900 West Penn MLS
• 2025-03-17 Price Changed $304,900 West Penn MLS
• 2025-03-13 Relisted — West Penn MLS
• 2025-02-11 Price Changed $309,900 West Penn MLS
• 2025-01-06 Listed $314,900 West Penn MLS
• 2024-09-25 Price Changed $319,900 West Penn MLS
• 2024-09-03 Price Changed $324,900 West Penn MLS
• 2024-08-21 Price Changed $334,850 West Penn MLS
• 2024-08-20 Listed $334,900 West Penn MLS
• 2022-06-29 Sold (Public Records) $290,000 Public Records
• 2022-06-28 Pending — West Penn MLS
• 2022-06-27 Sold (MLS) $290,000 West Penn MLS
• 2022-05-14 Contingent — West Penn MLS
• 2022-05-09 Price Changed $284,900 West Penn MLS
• 2022-05-04 Price Changed $299,900 West Penn MLS
• 2022-04-28 Listed $310,000 West Penn MLS

Property tax history

+15.6%/yr

Latest (2026): $5,002 · +4.5% YoY. Source: county tax records.