221 Dorothy Dr · Churchill, PA 15235

$150,000

4 bd · 2.0 ba · 1,488 sqft · SingleFamily public records · 35 Days on market

Built 1955 9,557 sqft lot $101/sqft · 20% below area Est $188k · 20% under

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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 +21.9/30.0
• ARV discount +15.0/15.0
• DSCR +7.0/10.0
• 1% rule +6.4/10.0
• Rent growth +4.4/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 221 Dorothy Drive - in the Penn Hill School District. A solid brick home on the perfect lot! A flat entry into the spacious, open Living Room that naturally flows into the open Kitchen allows room for all your entertaining. 2 full updated baths. 2 Bedrooms on the main floor and upstairs. The beautify in this home is the large deck off the kitchen that overlooks a large, beautiful, flat back yard! Pull down the driveway and around back to the one car garage. A fully finished Family Room for more space - laundry area and walk out to the back yard.

Key facts

• Usable backyard
• Newer windows
• Sliding glass door

Tags

• NEWER WINDOWS
• SLIDING GLASS DOOR
• BACK DECK
• USABLE BACKYARD

Property features AI

Exterior

• Parking: Attached garage (built-in) with space for 1 vehicle
• Utilities: Public water; Public sewer
• Home design: Single-family property
• Construction: Brick construction
• Exterior features: Brick exterior; Property listed as resale

Interior

• Kitchen: Stove; Some gas appliances
• Bedrooms: Bedroom on upper level (15 x 11); Bedroom on upper level (11 x 10); Bedroom on main level (11 x 9)
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air gas heating; Central air conditioning
• Interior features: Finished basement with walk-out access; Game room
• Laundry & utility: Laundry room on lower level

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $146k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 2.6% in Churchill — 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 74/100 on livability (#486 in PA, #4,477 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety D, amenities F, commute F.
• Penn Hills SD (suburban): math 13% / reading 24% proficiency, ranked #496 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+7.6%/yr); 129 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 30% of the median local income ($67k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 7.6% rent growth), your $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y 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.
• Current owner paid $80k; list at $150k implies a 88% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $145,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 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 1955 — 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: 1.14% ✓
• Cap rate: 8.18%
• Cash-on-cash: 6.75%
• DSCR: 1.30
• GRM: 7.3

CMA / ARV

• ARV (median comp): $188,151
• List price: $150,000
• Delta: -20.28%
• 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
11701 Althea Rd	0.37mi	4/2.0	1,588 (+7%)	4mo	$211,000	$133	68
11534 Clematis Blvd	0.54mi	4/2.5	1,461 (-2%)	4mo	$260,000	$178	66
107 Cristie Dr	0.61mi	4/2.5	1,521 (+2%)	0mo	$235,000	$155	65
11505 Clematis Blvd	0.39mi	3/2.0 (-1)	1,552 (+4%)	6mo	$172,000	$111	64
11522 Clematis Blvd	0.49mi	3/1.0 (-1)	1,480 (-0%)	5mo	$165,000	$111	63
175 Crescent Hills Rd	0.41mi	3/2.5 (-1)	1,596 (+7%)	2mo	$165,000	$103	60
332 Highland Rd	0.55mi	3/2.0 (-1)	1,400 (-6%)	3mo	$208,000	$149	57
104 Earlwood Rd	0.54mi	4/2.0	1,680 (+13%)	2mo	$230,000	$137	52
192 Glenfield Dr	0.72mi	3/1.5 (-1)	1,550 (+4%)	2mo	$256,000	$165	50
121 Betty Jane Ct	0.46mi	3/1.0 (-1)	1,337 (-10%)	4mo	$187,500	$140	49
103 Cristie Dr	0.62mi	4/1.5	1,620 (+9%)	6mo	$230,000	$142	49
167 Ritzland Rd	0.46mi	3/2.0 (-1)	1,705 (+15%)	2mo	$212,500	$125	48

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 · 7.63% rent growth · sell at horizon

5-year hold

• IRR: -0.5%
• Equity multiple: 0.98×
• Total profit: $-890
• Equity at exit: $22,365

10-year hold

• IRR: 13.7%
• Equity multiple: 2.34×
• Total profit: $56,386
• Equity at exit: $12,969

Cash invested: $42,000 (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 15235

• Home prices YoY: -34.1%
• Rents YoY: 7.6%
• Active inventory: 129
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,703 high
• Mortgage (P&I): −$787
• Tax from tax record: −$260 /mo · $3,125/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $236

Break-even live

Break-even rent $1,405

Max offer price $150,000

Occupancy floor 81%

Sensitivity live

Price	-10% $321	-5% $279	+0% $236	+5% $194	+10% $151
Rent	-10% $102	-5% $169	+0% $236	+5% $303	+10% $371
Rate	-1.0pp $312	-0.5pp $274	base $236	+0.5pp $197	+1.0pp $158

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
131 Jacob Dr Pittsburgh, PA	3.0	1.0	1144	$2,300	$2.01	2d	1	0.27mi
124 Dauntless Dr Pittsburgh, PA	3.0	1.0	1100	$1,395	$1.27	24d	1	0.57mi
1526 Edwards St Verona, PA	3.0	1.0	1296	$1,730	$1.33	44d	1	0.72mi
11843 Joan Dr Pittsburgh, PA	3.0	1.0	1144	$1,500	$1.31	4d	1	0.78mi
10135 Pearl Rd Pittsburgh, PA	3.0	2.0	1163	$1,450	$1.25	24d	1	0.84mi
1426 Homestead Rd Unit 3 Verona, PA	3.0	1.0	1000	$1,499	$1.50	13d	1	0.96mi
261 Universal Rd Unit 261UNIV Pittsburgh, PA	3.0	1.0	1100	$1,225	$1.11	3d	1	1.00mi
641 Penny Dr Pittsburgh, PA	3.0	1.5	1199	$1,525	$1.27	15d	1	1.04mi
3005 Laketon Rd Pittsburgh, PA	3.0	1.0	1100	$1,295	$1.18	15d	1	1.10mi
610 Churchill Ave Pittsburgh, PA	3.0	1.0	1100	$1,395	$1.27	2d	1	1.10mi
127 Stowe Dr Pittsburgh, PA	3.0	1.0	948	$1,495	$1.58	21d	1	1.18mi
648 Southern Ave Penn Hills, PA	3.0	1.0	1100	$1,600	$1.45	8d	1	1.21mi
154 Collins Dr Pittsburgh, PA	3.0	1.0	986	$1,295	$1.31	2d	1	1.31mi
6184 Poketa Rd Verona, PA	3.0	2.0	1325	$1,750	$1.32	3d	1	1.31mi
717 Jefferson Rd Pittsburgh, PA	3.0	1.0	1152	$1,295	$1.12	15d	1	1.36mi
150 Marshall Dr Pittsburgh, PA	3.0	1.5	923	$1,450	$1.57	24d	1	1.41mi
753 Jefferson Rd Pittsburgh, PA	4.0	1.0	1152	$1,350	$1.17	4d	1	1.43mi
209 Briarwood Dr Pittsburgh, PA	3.0	2.0	1080	$1,500	$1.39	24d	1	1.46mi

Listing history 20 events

1. 2026-06-08
   statusdays on market $150,000 Pending 35 DOM
2. 2026-06-07
   days on market $150,000 Contingent 34 DOM
3. 2026-06-05
   days on market $150,000 Contingent 31 DOM
4. 2026-06-03
   days on market $150,000 Contingent 30 DOM
5. 2026-06-02
   days on market $150,000 Contingent 29 DOM
6. 2026-06-01
   days on market $150,000 Contingent 28 DOM
7. 2026-05-31
   days on market $150,000 Contingent 27 DOM
8. 2026-05-09
   historical Contingent 495-char remark
9. 2026-05-04
   listed $150,000 Active 495-char remark
10. 2023-09-30
    listed $175,000 Active 564-char remark

    Show marketing remark (564 chars)

    Welcome to 221 Dorothy Drive - in the Penn Hill School District. A solid brick home on the perfect lot! A flat entry into the spacious, open Living Room that naturally flows into the open Kitchen allows room for all your entertaining. 2 full updated baths. 2 Bedrooms on the main floor and upstairs. The beautify in this home is the large deck off the kitchen that overlooks a large, beautiful, flat back yard! Pull down the driveway and around back to the one car garage. A fully finished Family Room for more space - laundry area and walk out to the back yard.

11. 2022-01-14
    status Pending

    Show marketing remark (871 chars)

    Charming & Spacious Cape Cod Style Home Situated On A Quiet Street Affording Private Backyard With Large Patio and Limitless Possibilities. This Quaint Home Boasts 4 Spacious Bedrooms and 2 Full Bathrooms! The Main Floor Bedroom and Full Bath Provide The Opportunity For Easy Access One-Level Living. The Cozy Kitchen Offers Solid Wood Cabinetry, Functional Design and Backyard/Porch Access. The Upper Level Bedrooms Are Complete With Loads Of Storage. The Lower Level Doubles The Living Space With possibilities of a Fully Finished Gameroom & Oversized Laundry Room. The Lower Level Also Provides Plenty Of Storage and Closet Space with Walk Out. The Integral Garage Has Plenty Of Room For A Vehicle, Storage and A Workbench. Completing The Home Is The Private Backyard and Garage around back. Conveniently Located, Just Minutes To Rt-22, I-376, Pa Turnpike.

12. 2022-01-14
    soldstatus $79,800 Closed

    Show marketing remark (871 chars)

    Charming & Spacious Cape Cod Style Home Situated On A Quiet Street Affording Private Backyard With Large Patio and Limitless Possibilities. This Quaint Home Boasts 4 Spacious Bedrooms and 2 Full Bathrooms! The Main Floor Bedroom and Full Bath Provide The Opportunity For Easy Access One-Level Living. The Cozy Kitchen Offers Solid Wood Cabinetry, Functional Design and Backyard/Porch Access. The Upper Level Bedrooms Are Complete With Loads Of Storage. The Lower Level Doubles The Living Space With possibilities of a Fully Finished Gameroom & Oversized Laundry Room. The Lower Level Also Provides Plenty Of Storage and Closet Space with Walk Out. The Integral Garage Has Plenty Of Room For A Vehicle, Storage and A Workbench. Completing The Home Is The Private Backyard and Garage around back. Conveniently Located, Just Minutes To Rt-22, I-376, Pa Turnpike.

13. 2021-12-29
    historical Contingent

    Show marketing remark (871 chars)

    Charming & Spacious Cape Cod Style Home Situated On A Quiet Street Affording Private Backyard With Large Patio and Limitless Possibilities. This Quaint Home Boasts 4 Spacious Bedrooms and 2 Full Bathrooms! The Main Floor Bedroom and Full Bath Provide The Opportunity For Easy Access One-Level Living. The Cozy Kitchen Offers Solid Wood Cabinetry, Functional Design and Backyard/Porch Access. The Upper Level Bedrooms Are Complete With Loads Of Storage. The Lower Level Doubles The Living Space With possibilities of a Fully Finished Gameroom & Oversized Laundry Room. The Lower Level Also Provides Plenty Of Storage and Closet Space with Walk Out. The Integral Garage Has Plenty Of Room For A Vehicle, Storage and A Workbench. Completing The Home Is The Private Backyard and Garage around back. Conveniently Located, Just Minutes To Rt-22, I-376, Pa Turnpike.

14. 2021-12-22
    price $102,000

    Show marketing remark (871 chars)

    Charming & Spacious Cape Cod Style Home Situated On A Quiet Street Affording Private Backyard With Large Patio and Limitless Possibilities. This Quaint Home Boasts 4 Spacious Bedrooms and 2 Full Bathrooms! The Main Floor Bedroom and Full Bath Provide The Opportunity For Easy Access One-Level Living. The Cozy Kitchen Offers Solid Wood Cabinetry, Functional Design and Backyard/Porch Access. The Upper Level Bedrooms Are Complete With Loads Of Storage. The Lower Level Doubles The Living Space With possibilities of a Fully Finished Gameroom & Oversized Laundry Room. The Lower Level Also Provides Plenty Of Storage and Closet Space with Walk Out. The Integral Garage Has Plenty Of Room For A Vehicle, Storage and A Workbench. Completing The Home Is The Private Backyard and Garage around back. Conveniently Located, Just Minutes To Rt-22, I-376, Pa Turnpike.

15. 2021-11-04
    listed $114,900 Active

    Show marketing remark (871 chars)

    Charming & Spacious Cape Cod Style Home Situated On A Quiet Street Affording Private Backyard With Large Patio and Limitless Possibilities. This Quaint Home Boasts 4 Spacious Bedrooms and 2 Full Bathrooms! The Main Floor Bedroom and Full Bath Provide The Opportunity For Easy Access One-Level Living. The Cozy Kitchen Offers Solid Wood Cabinetry, Functional Design and Backyard/Porch Access. The Upper Level Bedrooms Are Complete With Loads Of Storage. The Lower Level Doubles The Living Space With possibilities of a Fully Finished Gameroom & Oversized Laundry Room. The Lower Level Also Provides Plenty Of Storage and Closet Space with Walk Out. The Integral Garage Has Plenty Of Room For A Vehicle, Storage and A Workbench. Completing The Home Is The Private Backyard and Garage around back. Conveniently Located, Just Minutes To Rt-22, I-376, Pa Turnpike.

16. 2021-11-03
    price $114,900
17. 2021-10-19
    listed $50,000 Active
18. 2019-06-26
    historical Expired
19. 2018-11-26
    listed $84,900 Active
20. 1999-12-21
    soldstatus $67,000

ⓘ 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: $3,125 · $260/mo
• Projected year-2 tax: $3,125 · $260/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 ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,441
• − Mortgage interest: −$8,402
• − Property taxes: −$3,125
• − Insurance: −$750
• − Repairs & maintenance: −$1,635
• − Management: −$1,635
• − Depreciation: −$4,364
• Taxable income: $529
• Est. tax owed @ 24.0%: −$127
• After-tax cash flow: $2,707/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: Penn Hills SD
• NCES district ID: 4218590
• Math proficiency: 13% ▼ -6.00%
• Reading proficiency: 24% ▼ -14.00%
• Median HH income: $47,794
• Composite: 16.42/100
• National rank: #9192
• State rank: #496 of 539 in PA

Livability — Churchill

• Score: 74/100
• State rank: #486
• US rank: #4477

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Allegheny County · 1,022,028 people
• Metro: Pittsburgh, PA
• Population (ZIP): 33,951
• Household income: $67,240
• Rent vs Own: 25.2% rent · 74.8% own
• Severe rent burden: 955.0

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: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 51% Black 40% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Romanian 5% Serbian 2% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 97% English-only · Other Indo-European 1% 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: ▼ -121.68%
• Current HPI: 235.4861
• Rent YoY: ▲ 7.63%
• 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

+123.9% since first listed

14 events — show timeline

• 2026-06-08 Pending — West Penn MLS
• 2026-05-09 Contingent — West Penn MLS
• 2026-05-04 Listed $150,000 West Penn MLS
• 2023-09-30 Listed $175,000 West Penn MLS
• 2022-01-14 Pending — West Penn MLS
• 2022-01-14 Sold (MLS) $79,800 West Penn MLS
• 2021-12-29 Contingent — West Penn MLS
• 2021-12-22 Price Changed $102,000 West Penn MLS
• 2021-11-04 Listed $114,900 West Penn MLS
• 2021-11-03 Price Changed $114,900 West Penn MLS
• 2021-10-19 Listed $50,000 West Penn MLS
• 2019-06-26 Delisted — West Penn MLS
• 2018-11-26 Listed $84,900 West Penn MLS
• 1999-12-21 Sold (Public Records) $67,000 Public Records

Property tax history

+4.8%/yr

Latest (2026): $3,125 · +0.0% YoY. Source: county tax records.