633 S 29th St · Paxtang, PA 17111

$139,900

2 bd · 2.0 ba · 1,600 sqft · SingleFamily public records · 5 Days on market

Built 1915 8,276 sqft lot Est $253k · 45% 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 +20.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.5/10.0
• Livability +4.1/5.0
• Schools +3.6/10.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This classic all-brick home in Harrisburg offers a solid foundation and a fantastic canvas for your personal style. Key mechanical peace of mind includes a newer electrical panel and a roof replaced within the last decade. The property features a detached 2-car garage and a complete appliance package—including a refrigerator, stove, washer, and dryer. Bring your vision to customize the kitchen, bathrooms, and finishes exactly to your liking. Ideal for anyone looking to build equity in a great neighborhood.

Key facts

• 8,276 sq ft lot
• 2 garage spots
• Built 1915

Property features AI

Finance

• Other: Ownership: Fee simple; Assessor indicates about 1,600 finished above-grade area

Exterior

• Parking: Detached garage with 2 garage spaces (total 2 parking spaces)
• Utilities: Public water; Public sewer; Hot water: other
• Home design: Detached property; Slab foundation
• Construction: Slab foundation
• Exterior features: Not in a federal flood zone; Above-grade and below-grade other structures; Detached structure

Interior

• Bedrooms: 2 bedrooms on the first upper level
• Bathrooms: 2 full bathrooms (both on the first upper level)
• Heating & cooling: Central heating; Electric heating components; Central air conditioning; Electric cooling
• Interior features: No basement; Finished living area based on assessor

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $175 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).

Location & tenants

• Location reads 82/100 on livability (#156 in PA, #1,291 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Central Dauphin Shs (math 71% / reading 24%, grade D, #164 of 437 statewide, top 38%, 1,975 students, 33% FRL) — zoned schools at 33% FRL track the district average.
• Market conditions: Rents rising (+3.8%/yr); 178 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $60k; list at $140k implies a 134% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $139,900

Questions for the listing agent

1. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.05% ✓
• Cap rate: 7.80%
• Cash-on-cash: 5.37%
• DSCR: 1.24
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $252,800
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
630 S 29th St	0.02mi	3/1.5 (+1)	1,508 (-6%)	1mo	$250,000	$166	81
3011 Greenwood St	0.13mi	3/1.5 (+1)	1,569 (-2%)	10mo	$230,100	$147	75
474 N 32nd St	0.14mi	3/2.0 (+1)	1,740 (+9%)	7mo	$275,000	$158	68
2444 Derry St	0.26mi	2/1.0	1,416 (-12%)	2mo	$115,000	$81	63
3700 Vista Ter	0.60mi	2/1.0	1,546 (-3%)	0mo	$275,000	$178	62
10 Park Ter	0.27mi	3/1.5 (+1)	1,450 (-9%)	8mo	$250,000	$172	58
3109 Duke St	0.16mi	3/1.5 (+1)	1,729 (+8%)	17mo	$170,000	$98	58
25 N 31st St	0.19mi	3/1.5 (+1)	1,821 (+14%)	7mo	$240,000	$132	55
2406 Midland Rd	0.73mi	2/1.5	1,672 (+4%)	11mo	$250,000	$150	47
3727 Montour St	0.73mi	2/2.0	1,400 (-12%)	9mo	$238,777	$171	38
3740 Elder Rd	0.71mi	3/1.5 (+1)	1,428 (-11%)	9mo	$225,000	$158	34
611 Central Ter	0.71mi	3/1.0 (+1)	1,489 (-7%)	18mo	$262,500	$176	31

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.74×
• Total profit: $-10,345
• Equity at exit: $20,860

10-year hold

• IRR: 3.5%
• Equity multiple: 1.26×
• Total profit: $10,206
• Equity at exit: $12,096

Cash invested: $39,172 (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 17111

• Rents YoY: 3.8%
• Active inventory: 178
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,467 high
• Mortgage (P&I): −$734
• Tax from tax record: −$192 /mo · $2,300/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $175

Break-even live

Break-even rent $1,245

Max offer price $139,900

Occupancy floor 83%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
649 S 23rd St Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	21d	1	0.42mi
649 S 23rd St Unit 1 Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	43d	1	0.42mi
2121 Kensington St Harrisburg, PA	3.0	1.0	1088	$1,450	$1.33	43d	1	0.70mi
2016 Swatara St Harrisburg, PA	3.0	1.0	1380	$1,175	$0.85	43d	1	0.85mi
1728 Paxton St Harrisburg, PA	3.0	1.5	1320	$1,295	$0.98	13d	1	1.05mi
1615 Naudain St Harrisburg, PA	3.0	1.0	1148	$1,400	$1.22	43d	1	1.18mi
217 N 40th St Unit 202 1 Harrisburg, PA	2.0	1.0	1200	$1,299	$1.08	43d	1	1.28mi
1429 Naudain St Harrisburg, PA	3.0	1.0	1254	$1,400	$1.12	23d	1	1.32mi
337 S 15th St Harrisburg, PA	3.0	1.0	1440	$1,195	$0.83	21d	1	1.32mi
465 Sunday Dr Harrisburg, PA	3.0	2.5	1540	$1,895	$1.23	13d	1	1.34mi
52 N 18th St Harrisburg, PA	3.0	1.0	1100	$1,250	$1.14	13d	1	1.37mi
349 S 14th St Harrisburg, PA	3.0	1.0	1544	$1,450	$0.94	23d	1	1.39mi
325 Lincoln St Steelton, PA	3.0	1.0	1186	$1,250	$1.05	13d	1	1.49mi

Listing history 6 events

1. 2026-06-18
   days on market $139,900 Active 5 DOM
2. 2026-06-17
   days on market $139,900 Active 4 DOM
3. 2026-06-16
   days on market $139,900 Active 3 DOM
4. 2026-06-15
   days on market $139,900 Active 2 DOM
5. 2026-06-14
   remarks 511-char remark
6. 2026-06-14
   listed $139,900 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: $2,300 · $192/mo
• Projected year-2 tax: $2,300 · $192/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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,603
• − Mortgage interest: −$7,837
• − Property taxes: −$2,300
• − Insurance: −$700
• − Repairs & maintenance: −$1,408
• − Management: −$1,408
• − Depreciation: −$4,070
• Taxable loss: −$119
• Est. tax savings @ 24.0%: +$29
• After-tax cash flow: $2,132/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 Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Paxtang

• Score: 82/100
• State rank: #156
• US rank: #1291

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Paxtang, PA
• County: Dauphin County · 247,857 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 36,744
• Household income: $86,385
• Rent vs Own: 33.5% rent · 66.5% own
• Severe rent burden: 756.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 53% Black 22% Asian 13% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 4% Lithuanian 1% Serbian 1%
• Foreign-born: 14% · India, Canada, Vietnam
• Languages at home: 83% English-only · Other Indo-European 7% Spanish 6% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.67%
• Current HPI: 236.6936
• Rent YoY: ▲ 3.76%
• Metro: Harrisburg-Carlisle, 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

+133.6% since first listed

2 events — show timeline

• 2026-06-13 Listed $139,900 BRIGHT MLS
• 1998-11-24 Sold (Public Records) $59,900 Public Records

Property tax history

+1.8%/yr

Latest (2026): $2,300 · +4.3% YoY. Source: county tax records.