235 S Enola Dr · Enola, PA 17025

$140,000

3 bd · 1.0 ba · 1,548 sqft · SingleFamily public records · 3 Days on market

Built 1900 3,920 sqft lot Est $246k · 43% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attractive Alum semi with a covered front porch, covered rear deck, off street parking in front and rear of home. First floor has been completely remodeled, replacement windows, formal dining room and eat-in-kitchen, partially finished basement, walk up attic, and gas furnace. Seller to provide a 1 year First American Warranty.

Key facts

• 2 parking spots
• Built 1900
• Listed 3 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $579 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Cap rate 11.3% vs local median 3.4% in Enola — 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 79/100 on livability (#243 in PA, #2,077 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, commute D+, amenities F.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL).
• Zoned-school proficiency averages 77% at this address vs 44% district-wide (+34 pts) — the actual schools serving this property are materially stronger than the East Pennsboro Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+6.5%/yr); 126 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 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 $968 of loan paydown is wiped out by about $4k 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 + 6.5% rent growth), your $39k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 19y 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 $85k; list at $140k implies a 65% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — 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 $140,000

Questions for the listing agent

1. Built in 1900 — 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: 1.39% ✓
• Cap rate: 11.26%
• Cash-on-cash: 17.74%
• DSCR: 1.79
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $246,132
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
302 S Enola Dr	0.05mi	3/1.0	1,589 (+3%)	10mo	$252,500	$159	85
11 High St	0.29mi	3/1.5	1,582 (+2%)	8mo	$300,000	$190	75
215 S Enola Dr	0.08mi	3/1.5	1,708 (+10%)	5mo	$215,000	$126	73
794 Lancaster Ave	0.33mi	3/1.5	1,644 (+6%)	11mo	$240,000	$146	63
497 State St	0.46mi	3/1.5	1,646 (+6%)	5mo	$255,000	$155	62
8 W Pine St	0.17mi	3/2.0	1,400 (-10%)	14mo	$250,000	$179	61
530 S Enola Rd	0.48mi	3/1.5	1,659 (+7%)	11mo	$226,000	$136	55
28 N Enola Dr	0.62mi	3/1.5	1,459 (-6%)	10mo	$245,000	$168	51
425 State St	0.62mi	3/2.0	1,644 (+6%)	8mo	$154,000	$94	50
339 W Perry St	0.69mi	4/2.0 (+1)	1,440 (-7%)	8mo	$270,000	$188	40
418 State St	0.64mi	3/1.5	1,336 (-14%)	6mo	$225,000	$168	40
1447 3rd St	0.69mi	3/2.0	1,709 (+10%)	10mo	$210,000	$123	38

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: 13.1%
• Equity multiple: 1.54×
• Total profit: $21,256
• Equity at exit: $20,874

10-year hold

• IRR: 24.5%
• Equity multiple: 3.48×
• Total profit: $97,044
• Equity at exit: $12,105

Cash invested: $39,200 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 126
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,948 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$167 /mo · $2,005/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $579

Break-even live

Break-even rent $1,215

Max offer price $140,000

Occupancy floor 65%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Silk Mill Dr East Pennsboro Township, PA	2.0	1.0–2.0	1319	$1,822	$1.38	13d	8	0.67mi
64 Queen Ave Enola, PA	2.0	1.5	1200	$1,495	$1.25	13d	1	1.12mi
400 W Crestwood Dr Camp Hill, PA	1.0–3.0	1.0–2.0	1042	$2,071	$1.99	13d	14	1.27mi
99 Lee Ann Ct Enola, PA	3.0	2.5	1540	$1,995	$1.30	13d	1	1.37mi

Listing history 15 events

1. 2026-04-03
   status Pending
2. 2026-04-01
   listed $140,000 Active
3. 2026-03-22
   historical $140,000
4. 2020-05-12
   historical
5. 2016-05-06
   soldstatus $85,000
6. 2016-05-04
   soldstatus $85,000 329-char remark

   Show marketing remark (329 chars)

   Attractive Alum semi with a covered front porch, covered rear deck, off street parking in front and rear of home. First floor has been completely remodeled, replacement windows, formal dining room and eat-in-kitchen, partially finished basement, walk up attic, and gas furnace. Seller to provide a 1 year First American Warranty.

7. 2016-03-04
   historical 329-char remark

   Show marketing remark (329 chars)

   Attractive Alum semi with a covered front porch, covered rear deck, off street parking in front and rear of home. First floor has been completely remodeled, replacement windows, formal dining room and eat-in-kitchen, partially finished basement, walk up attic, and gas furnace. Seller to provide a 1 year First American Warranty.

8. 2016-03-01
   listed $86,900 329-char remark

   Show marketing remark (329 chars)

   Attractive Alum semi with a covered front porch, covered rear deck, off street parking in front and rear of home. First floor has been completely remodeled, replacement windows, formal dining room and eat-in-kitchen, partially finished basement, walk up attic, and gas furnace. Seller to provide a 1 year First American Warranty.

9. 2015-01-01
   historical
10. 2014-07-28
    listed $86,900
11. 2014-07-28
    listed $86,900
12. 2007-05-08
    soldstatus $89,900
13. 2007-04-27
    soldstatus $89,900
14. 2007-02-11
    listed $89,900
15. 1993-08-02
    soldstatus $58,900

ⓘ 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: $2,005 · $167/mo
• Projected year-2 tax: $2,108 · $176/mo
• Expected delta: +$104/yr (+$9/mo · 5.2%)

ⓘ 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 ≥101°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,376
• − Mortgage interest: −$7,842
• − Property taxes: −$2,005
• − Insurance: −$700
• − Repairs & maintenance: −$1,870
• − Management: −$1,870
• − Depreciation: −$4,073
• Taxable income: $5,017
• Est. tax owed @ 24.0%: −$1,204
• After-tax cash flow: $5,749/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — Enola

• Score: 79/100
• State rank: #243
• US rank: #2077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• City population: 17,648
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

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: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• 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

+137.7% since first listed

15 events — show timeline

• 2026-04-03 Pending — BRIGHT MLS
• 2026-04-01 Listed $140,000 BRIGHT MLS
• 2026-03-22 Coming Soon $140,000 BRIGHT MLS
• 2020-05-12 Listing Removed — BRIGHT MLS
• 2016-05-06 Sold (Public Records) $85,000 Public Records
• 2016-05-04 Sold (MLS) $85,000 BRIGHT MLS
• 2016-03-04 Listing Removed — BRIGHT MLS
• 2016-03-01 Listed $86,900 BRIGHT MLS
• 2015-01-01 Listing Removed — BRIGHT MLS
• 2014-07-28 Listed $86,900 BRIGHT MLS
• 2014-07-28 Listed $86,900 BRIGHT MLS
• 2007-05-08 Sold (Public Records) $89,900 Public Records
• 2007-04-27 Sold (MLS) $89,900 BRIGHT MLS
• 2007-02-11 Listed $89,900 BRIGHT MLS
• 1993-08-02 Sold (Public Records) $58,900 Public Records

Property tax history

+3.4%/yr

Latest (2026): $2,005 · +1.8% YoY. Source: county tax records.