650 West St · Everett, PA 15537

$129,900

4 bd · 2.0 ba · 2,231 sqft · SingleFamily public records · 212 Days on market

Built 1900 1.64 ac lot $58/sqft · 16% below area Est $154k · 16% under

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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 +24.1/30.0
• ARV discount +14.7/15.0
• Appreciation +10.0/10.0
• DSCR +7.8/10.0
• 1% rule +6.2/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Calling all investors!! Large house and large lot with a lot of potential. The roof over the kitchen area ONLY is leaking and needs to be replaced . The house needs TLC . It's close to town, within walking distance to all the stores, restaurants and downtown attractions. The Large family rooms make it a great family home . Parcel G9 B4 141 located in the rear of the property has 1.26 acre available for potential. The House is Sold AS-IS!!

Key facts

• 1.26 acre available
• Large lot
• 1.64 acre lot

Tags

• LARGE LOT
• WALKING DISTANCE TO STORES
• 1.26 ACRE AVAILABLE

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $256 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#906 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: amenities F, commute F, employment F.
• Everett Area SD (rural): math 32% / reading 52% proficiency, ranked #337 of 539 in PA (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 61 active listings in the ZIP; 54 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($898 loan paydown + $13k appreciation (10.0% local appreciation)).
• Bedford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 212 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $24k; list at $130k implies a 430% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $114,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 212 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 1900 — 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. 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: 1.12% ✓
• Cap rate: 8.66%
• Cash-on-cash: 8.44%
• DSCR: 1.38
• GRM: 7.4

CMA / ARV

• ARV (median comp): $154,498
• List price: $129,900
• Delta: -15.92%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 N Spring St	0.39mi	4/1.5	2,432 (+9%)	13mo	$230,000	$95	54
137 E 1st St	0.53mi	4/2.5	2,094 (-6%)	13mo	$110,000	$53	53
19 Second St W	0.40mi	4/2.0	1,960 (-12%)	13mo	$67,500	$34	50
237 E Main St	0.67mi	3/2.0 (-1)	2,270 (+2%)	13mo	$190,000	$84	50

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.4%
• Equity multiple: 3.39×
• Total profit: $87,053
• Equity at exit: $117,024

10-year hold

• IRR: 26.4%
• Equity multiple: 7.70×
• Total profit: $243,588
• Equity at exit: $252,367

Cash invested: $36,372 (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 15537

• Home prices YoY: 17.3%
• Active inventory: 61
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,455 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$158 /mo · $1,898/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $256

Break-even live

Break-even rent $1,131

Max offer price $129,900

Occupancy floor 77%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-18
   days on market $129,900 Active 212 DOM
2. 2026-06-17
   days on market $129,900 Active 211 DOM
3. 2026-06-16
   days on market $129,900 Active 210 DOM
4. 2026-06-15
   days on market $129,900 Active 209 DOM
5. 2026-06-13
   days on market $129,900 Active 207 DOM
6. 2026-06-12
   days on market $129,900 Active 206 DOM
7. 2026-06-09
   days on market $129,900 Active 203 DOM
8. 2026-06-08
   days on market $129,900 Active 202 DOM
9. 2026-06-08
   days on market $129,900 Active 201 DOM
10. 2026-06-07
    days on market $129,900 Active 200 DOM
11. 2026-06-04
    days on market $129,900 Active 197 DOM
12. 2026-06-02
    days on market $129,900 Active 196 DOM
13. 2026-06-01
    days on market $129,900 Active 195 DOM
14. 2026-05-31
    days on market $129,900 Active 194 DOM
15. 2026-01-10
    price $119,000 442-char remark

    Show marketing remark (442 chars)

    Calling all investors!! Large house and large lot with a lot of potential. The roof over the kitchen area ONLY is leaking and needs to be replaced . The house needs TLC . It's close to town, within walking distance to all the stores, restaurants and downtown attractions. The Large family rooms make it a great family home . Parcel G9 B4 141 located in the rear of the property has 1.26 acre available for potential. The House is Sold AS-IS!!

16. 2025-12-31
    price $119 442-char remark

    Show marketing remark (442 chars)

    Calling all investors!! Large house and large lot with a lot of potential. The roof over the kitchen area ONLY is leaking and needs to be replaced . The house needs TLC . It's close to town, within walking distance to all the stores, restaurants and downtown attractions. The Large family rooms make it a great family home . Parcel G9 B4 141 located in the rear of the property has 1.26 acre available for potential. The House is Sold AS-IS!!

17. 2025-11-18
    listed $129,900 Active 442-char remark

    Show marketing remark (442 chars)

    Calling all investors!! Large house and large lot with a lot of potential. The roof over the kitchen area ONLY is leaking and needs to be replaced . The house needs TLC . It's close to town, within walking distance to all the stores, restaurants and downtown attractions. The Large family rooms make it a great family home . Parcel G9 B4 141 located in the rear of the property has 1.26 acre available for potential. The House is Sold AS-IS!!

18. 2025-11-10
    listed $129,900 Active 442-char remark

    Show marketing remark (442 chars)

    Calling all investors!! Large house and large lot with a lot of potential. The roof over the kitchen area ONLY is leaking and needs to be replaced . The house needs TLC . It's close to town, within walking distance to all the stores, restaurants and downtown attractions. The Large family rooms make it a great family home . Parcel G9 B4 141 located in the rear of the property has 1.26 acre available for potential. The House is Sold AS-IS!!

19. 1991-02-01
    soldstatus $24,500

ⓘ 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: $1,898 · $158/mo
• Projected year-2 tax: $1,975 · $165/mo
• Expected delta: +$77/yr (+$6/mo · 4.1%)

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,456
• − Mortgage interest: −$7,276
• − Property taxes: −$1,898
• − Insurance: −$650
• − Repairs & maintenance: −$1,397
• − Management: −$1,397
• − Depreciation: −$3,779
• Taxable income: $1,061
• Est. tax owed @ 24.0%: −$255
• After-tax cash flow: $2,814/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: Everett Area SD
• NCES district ID: 4209360
• Math proficiency: 32% ▼ -10.00%
• Reading proficiency: 52% ▼ -9.00%
• Median HH income: $41,322
• Composite: 35.24/100
• National rank: #4979
• State rank: #337 of 539 in PA

Livability — Everett

• Score: 68/100
• State rank: #906
• US rank: #9719

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Everett, PA
• Population (ZIP): 8,272

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 45,395 people
• By 2030: 43,353 · -4.5%
• By 2040: 38,858 · -14.4%
• By 2050: 34,162 · -24.7%
• By 2075: 24,868 · -45.2%
• By 2100: 16,910 · -62.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 6% Italian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+68.6) · D 15.4% · R 84.0%
• 2008→2024 swing: -23.8pp toward R · 2008: -44.8pp · 2024: -68.6pp
• All cycles: 2024: R+68.6 2020: R+67.7 2016: R+67.4 2012: R+54.9 2008: R+44.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 37.19%
• Current HPI: 252.292
• 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

+385.7% since first listed

5 events — show timeline

• 2026-01-10 Price Changed $119,000 AHARMLS
• 2025-12-31 Price Changed $119 AHARMLS
• 2025-11-18 Listed $129,900 BRIGHT MLS
• 2025-11-10 Listed $129,900 AHARMLS
• 1991-02-01 Sold (Public Records) $24,500 Public Records

Property tax history

+2.2%/yr

Latest (2026): $1,898 · +4.1% YoY. Source: county tax records.