109 Short Dr · Cambria, PA 15931

$54,900

1 bd · 1.0 ba · 879 sqft · Manufactured · 199 Days on market

Built 1972 $62/sqft · 53% below area $250/mo HOA · 23% of rent

---

Why this score? — see what drove the B- 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
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

Key facts

• Spacious mudroom
• Inviting living room
• Cozy bedroom

Tags

• SPACIOUS MUDROOM
• INVITING LIVING ROOM
• GENEROUS EAT-IN KITCHEN
• FULLY RENOVATED BATHROOM
• CONVENIENT LAUNDRY ROOM
• COZY BEDROOM

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $55k.

Deal economics

• At list price, monthly cash flow is $297 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $48k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Central Cambria SD (rural): math 40% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 38 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $380 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 ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 199 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 12y ago; this cycle's ask has dropped $5k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $35k; list at $55k implies a 57% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.

Recommended offer $48,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 199 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 2.00% ✓
• Cap rate: 12.79%
• Cash-on-cash: 23.20%
• DSCR: 2.03
• GRM: 4.2

CMA / ARV

• ARV (median comp): $115,577
• List price: $54,900
• Delta: -52.50%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
130 Circle Dr	0.07mi	2/2.0 (+1)	952 (+8%)	20mo	$75,000	$79	57

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: 16.4%
• Equity multiple: 1.66×
• Total profit: $10,169
• Equity at exit: $8,186

10-year hold

• IRR: 25.1%
• Equity multiple: 3.20×
• Total profit: $33,778
• Equity at exit: $4,747

Cash invested: $15,372 (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 15931

• Home prices YoY: -29.5%
• Active inventory: 38
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,100 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$11 /mo · $132/yr
• Insurance: −$23
• HOA: −$250
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $297

Break-even live

Break-even rent $724

Max offer price $54,900

Occupancy floor 68%

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: $13,725
• Closing costs: $1,647
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
112 McConahy Way Ebensburg, PA	2.0	1.5	962	$1,100	$1.14	43d	1	1.17mi

HOA detail

• Monthly dues: $250 · $3,000/yr
• Likely covers: watersewertrash

Listing history 26 events

1. 2026-06-18
   days on market $54,900 Active 199 DOM
2. 2026-06-17
   days on market $54,900 Active 198 DOM
3. 2026-06-16
   days on market $54,900 Active 197 DOM
4. 2026-06-15
   days on market $54,900 Active 196 DOM
5. 2026-06-13
   days on market $54,900 Active 194 DOM
6. 2026-06-12
   days on market $54,900 Active 193 DOM
7. 2026-06-09
   days on market $54,900 Active 190 DOM
8. 2026-06-08
   days on market $54,900 Active 189 DOM
9. 2026-06-08
   days on market $54,900 Active 188 DOM
10. 2026-06-07
    days on market $54,900 Active 187 DOM
11. 2026-06-04
    days on market $54,900 Active 184 DOM
12. 2026-06-02
    days on market $54,900 Active 183 DOM
13. 2026-06-01
    days on market $54,900 Active 182 DOM
14. 2026-05-31
    days on market $54,900 Active 181 DOM
15. 2026-04-02
    price $54,900 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

16. 2026-04-02
    price $54,900 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

17. 2026-02-05
    status Active 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

18. 2026-02-05
    status Active 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

19. 2026-01-30
    status Pending 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

20. 2026-01-30
    status Pending 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

21. 2025-11-25
    listed $59,900 Active 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

22. 2025-11-25
    listed $59,900 Active 593-char remark

    Show marketing remark (593 chars)

    Welcome to 109 Short Drive in the desirable 55+ Wises Trailer Court, an exceptionally well-kept community with a low $250 monthly lot rent that includes water, sewer, and trash. This beautifully updated single-wide home offers a spacious mudroom, an inviting living room, a generous eat-in kitchen, a fully renovated bathroom w/ a tile shower, a convenient laundry room, and a cozy bedroom. Recent improvements include new flooring throughout, fresh paint, and a fully updated bathroom. Outside, enjoy off-street parking and a large porch perfect for relaxing. Call today for more information!

23. 2025-06-05
    soldstatus $35,000 Closed
24. 2025-05-09
    status Pending
25. 2025-04-28
    listed $40,000 Active
26. 2014-06-19
    listed $6,500

ⓘ 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: $132 · $11/mo
• Projected year-2 tax: $500 · $42/mo
• Expected delta: +$368/yr (+$31/mo · 278.6%)

ⓘ 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 2/10 Low 7 d/yr ≥91°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,200
• − Mortgage interest: −$3,075
• − Property taxes: −$132
• − Insurance: −$274
• − Repairs & maintenance: −$1,056
• − Management: −$1,056
• − HOA: −$3,000
• − Depreciation: −$1,597
• Taxable income: $3,009
• Est. tax owed @ 24.0%: −$722
• After-tax cash flow: $2,844/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: Central Cambria SD
• NCES district ID: 4205340
• Math proficiency: 40% ▼ -10.00%
• Reading proficiency: 55% ▼ -13.00%
• Median HH income: $50,276
• Composite: 40.68/100
• National rank: #3674
• State rank: #225 of 539 in PA

Livability — Cambria

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 8,852

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 (96%)
• Race & ethnicity: White 96% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Lithuanian 2% Scotch-Irish 2%
• Foreign-born: 1%
• 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: ▼ -54.99%
• Current HPI: 131.3961
• 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

+744.6% since first listed

12 events — show timeline

• 2026-04-02 Price Changed $54,900 AHARMLS
• 2026-04-02 Price Changed $54,900 CSMLS
• 2026-02-05 Relisted — CSMLS
• 2026-02-05 Relisted — AHARMLS
• 2026-01-30 Pending — AHARMLS
• 2026-01-30 Pending — CSMLS
• 2025-11-25 Listed $59,900 CSMLS
• 2025-11-25 Listed $59,900 AHARMLS
• 2025-06-05 Sold (MLS) $35,000 AHARMLS
• 2025-05-09 Pending — AHARMLS
• 2025-04-28 Listed $40,000 AHARMLS
• 2014-06-19 Listed $6,500 AHARMLS

Property tax history

-4.4%/yr

Latest (2026): $132 · +3.1% YoY. Source: county tax records.