82 Linda Dr #23 · New Kingstown, PA 17050

$43,000

3 bd · 2.0 ba · 840 sqft · SingleFamily · 49 Days on market

Built 2016 Poor condition $51/sqft · 24% above area Est $35k · 24% over ↓ 10% 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).

• Cash flow +15.0/30.0
• Schools +5.6/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Rent growth +3.0/5.0
• Livability +2.9/5.0
• Condition / age +1.0/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to the community of Silver Springs Country Estates where this spectacular homesite offers a beautiful country setting! Home is in the back of the park and provides scenic views, privacy, and ample space to enterain. This 2016 Clayton is ready for a new owner. Home features 3 bedrooms and 2 full bathrooms. The central air will keep you cool on those hot summer days. A FEMA manufactured home has a sprinkler system built in. It just needs hooked up to the water supply. Generator hookup at back of trailer. Driveway provides 2 off street parking places. Location provides easy access to every being less than 5 minutes from I-81 and 10 from downtown Mechanicsburg. Lot rent is $597 and include sewer and trash. Water is provided at no charge up to 2,000 gallons.

Key facts

• Privacy
• Easy access
• Scenic views

Tags

• SCENIC VIEWS
• PRIVACY
• AMPLE SPACE TO ENTERTAIN
• SPRINKLER SYSTEM
• GENERATOR HOOKUP
• EASY ACCESS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $43k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $1k ($16k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $43k).
• Recommended offer: $42k (3.0% below list) — sets the bar for market timing.
• Cap rate 44.8% vs local median 2.8% in New Kingstown — 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 57/100 on livability (#1,606 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A, schools B+; Watch: amenities F, commute F, employment F.
• Cumberland Valley SD (suburban): math 54% / reading 71% proficiency, ranked #52 of 539 in PA (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 13% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising (+2.0%/yr); 339 active listings in the ZIP; high-income renter base; 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $297 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.0% rent growth), your $12k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 49 days — a 3% lower offer ($42k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $41,710 (3.0% below list)

Questions for the listing agent

1. It's been on market 49 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 4.93% ✓
• Cap rate: 44.77%
• Cash-on-cash: 137.42%
• DSCR: 7.11
• GRM: 1.7

CMA / ARV

• ARV (median comp): $34,661
• List price: $43,000
• Delta: 24.06%
• Verdict: OVERPRICED
• Comps: 7 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
82 Linda Dr #3	0.08mi	3/2.0	840 (0%)	21mo	$35,000	$42	79
82 Linda Dr #16	0.00mi	3/2.0	780 (-7%)	23mo	$33,000	$42	69
82 Linda Dr #49	0.00mi	2/1.0 (-1)	924 (+10%)	15mo	$45,000	$49	62
82 Linda Dr #15	0.00mi	2/2.0 (-1)	728 (-13%)	14mo	$35,000	$48	61
82 Linda Dr #57	0.24mi	2/1.0 (-1)	944 (+12%)	7mo	$10,000	$11	53

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 · 1.99% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 7.19×
• Total profit: $74,556
• Equity at exit: $6,411

10-year hold

• IRR: —
• Equity multiple: 14.64×
• Total profit: $164,264
• Equity at exit: $3,718

Cash invested: $12,040 (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 17050

• Rents YoY: 2.0%
• Active inventory: 339
• Price-to-rent: 1.7×

Monthly cashflow live

• Estimated rent: $2,122 medium
• Mortgage (P&I): −$225
• Tax est. 1.5%: −$54 /mo · $645/yr
• Insurance: −$18
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$446
• Net cashflow: $1,312

Break-even live

Break-even rent $460

Max offer price $43,000

Occupancy floor 33%

Sensitivity live

Price	-10% $1,342	-5% $1,327	+0% $1,312	+5% $1,298	+10% $1,283
Rent	-10% $1,145	-5% $1,229	+0% $1,312	+5% $1,396	+10% $1,480
Rate	-1.0pp $1,334	-0.5pp $1,323	base $1,312	+0.5pp $1,301	+1.0pp $1,290

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: $10,750
• Closing costs: $1,290
• Reserves months: —
• Total cash needed: —

Listing history 9 events

1. 2026-06-05
   statusdays on market $43,000 Pending 49 DOM
2. 2026-06-03
   days on market $43,000 Active 48 DOM
3. 2026-06-02
   days on market $43,000 Active 47 DOM
4. 2026-06-01
   days on market $43,000 Active 46 DOM
5. 2026-05-31
   days on market $43,000 Active 45 DOM
6. 2026-05-31
   days on market $43,000 Active 44 DOM
7. 2026-05-05
   price $45,000 772-char remark

   Show marketing remark (772 chars)

   Welcome to the community of Silver Springs Country Estates where this spectacular homesite offers a beautiful country setting! Home is in the back of the park and provides scenic views, privacy, and ample space to enterain. This 2016 Clayton is ready for a new owner. Home features 3 bedrooms and 2 full bathrooms. The central air will keep you cool on those hot summer days. A FEMA manufactured home has a sprinkler system built in. It just needs hooked up to the water supply. Generator hookup at back of trailer. Driveway provides 2 off street parking places. Location provides easy access to every being less than 5 minutes from I-81 and 10 from downtown Mechanicsburg. Lot rent is $597 and include sewer and trash. Water is provided at no charge up to 2,000 gallons.

8. 2026-04-24
   price $49,000 772-char remark

   Show marketing remark (772 chars)

   Welcome to the community of Silver Springs Country Estates where this spectacular homesite offers a beautiful country setting! Home is in the back of the park and provides scenic views, privacy, and ample space to enterain. This 2016 Clayton is ready for a new owner. Home features 3 bedrooms and 2 full bathrooms. The central air will keep you cool on those hot summer days. A FEMA manufactured home has a sprinkler system built in. It just needs hooked up to the water supply. Generator hookup at back of trailer. Driveway provides 2 off street parking places. Location provides easy access to every being less than 5 minutes from I-81 and 10 from downtown Mechanicsburg. Lot rent is $597 and include sewer and trash. Water is provided at no charge up to 2,000 gallons.

9. 2026-04-16
   listed $50,000 Active 772-char remark

   Show marketing remark (772 chars)

   Welcome to the community of Silver Springs Country Estates where this spectacular homesite offers a beautiful country setting! Home is in the back of the park and provides scenic views, privacy, and ample space to enterain. This 2016 Clayton is ready for a new owner. Home features 3 bedrooms and 2 full bathrooms. The central air will keep you cool on those hot summer days. A FEMA manufactured home has a sprinkler system built in. It just needs hooked up to the water supply. Generator hookup at back of trailer. Driveway provides 2 off street parking places. Location provides easy access to every being less than 5 minutes from I-81 and 10 from downtown Mechanicsburg. Lot rent is $597 and include sewer and trash. Water is provided at no charge up to 2,000 gallons.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,458
• − Mortgage interest: −$2,409
• − Property taxes: −$645
• − Insurance: −$1,012
• − Repairs & maintenance: −$2,037
• − Management: −$2,037
• − Depreciation: −$1,251
• Taxable income: $16,068
• Est. tax owed @ 24.0%: −$3,856
• After-tax cash flow: $11,892/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.

Condition & rehab AI · 1 photo

Poor 20/100 Extensive rehab

This home requires extensive repairs and updates to its exterior, interior, and landscaping to improve its condition and value.

Repairs flagged

• Major siding — Significant weathering and damage
• Major roof — Siding condition suggests underlying roof issues
• Major flooring — Overall condition suggests need for replacement
• Major interior walls/paint — Overall condition suggests need for repair
• Major bathrooms — Overall condition suggests need for repair
• Major kitchen — Overall condition suggests need for repair
• Major HVAC/mechanicals — Overall condition suggests need for repair
• Major windows — Overall condition suggests need for repair
• Major foundation/structure — Overall condition suggests need for repair
• Major landscaping — Overgrown lawn and unkempt appearance

Value-add opportunities

• Both landscaping and curb appeal — Improving the landscaping and curb appeal can significantly enhance the home's resale and rental value
• Both exterior repairs — Addressing the extensive exterior repairs can improve the home's appearance and increase its value
• Both interior repairs and updates — Updating the interior can make the home more attractive and increase its value for both resale and rental

Renovation cost estimate screening

Repair item	Severity	Est. cost
siding · Significant weathering and damage	Major	$15,000–50,000
roof · Siding condition suggests underlying roof issues	Major	$15,000–50,000
flooring · Overall condition suggests need for replacement	Major	$15,000–50,000
interior walls/paint · Overall condition suggests need for repair	Major	$15,000–50,000
bathrooms · Overall condition suggests need for repair	Major	$15,000–50,000
kitchen · Overall condition suggests need for repair	Major	$15,000–50,000
HVAC/mechanicals · Overall condition suggests need for repair	Major	$15,000–50,000
windows · Overall condition suggests need for repair	Major	$15,000–50,000
foundation/structure · Overall condition suggests need for repair	Major	$15,000–50,000
landscaping · Overgrown lawn and unkempt appearance	Major	$15,000–50,000
Total estimated repair cost · 10 items		$150,000–500,000

Value-add ROI direction

• Both landscaping and curb appeal — Improving the landscaping and curb appeal can significantly enhance the home's resale and rental value ↑
• Both exterior repairs — Addressing the extensive exterior repairs can improve the home's appearance and increase its value ↑
• Both interior repairs and updates — Updating the interior can make the home more attractive and increase its value for both resale and rental ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Cumberland Valley SD
• NCES district ID: 4207110
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 71% ▼ -7.00%
• Median HH income: $78,135
• Composite: 55.77/100
• National rank: #1218
• State rank: #52 of 539 in PA

Livability — New Kingstown

• Score: 57/100
• State rank: #1606
• US rank: #21798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cumberland County · 257,673 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 43,571
• Household income: $113,720
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 535.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Asian 16% Two or more races 5% Hispanic / Latino 4% Black 1%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 16% · Canada, China, Vietnam
• Languages at home: 81% English-only · Other Indo-European 6% Other Asian/Pacific 5% Spanish 3%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.84%
• Current HPI: 241.7363
• Rent YoY: ▲ 1.99%
• 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

-10.0% since first listed

3 events — show timeline

• 2026-05-05 Price Changed $45,000 BRIGHT MLS
• 2026-04-24 Price Changed $49,000 BRIGHT MLS
• 2026-04-16 Listed $50,000 BRIGHT MLS