1405 Maple St · McKeesport, PA 15132

$138,500

3 bd · 1.0 ba · 1,842 sqft · SingleFamily public records · 58 Days on market

Built 1910 3,005 sqft lot $75/sqft · 161% above area

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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 +18.1/30.0
• ARV discount +7.5/15.0
• DSCR +5.7/10.0
• 1% rule +4.4/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

There’s something about a home that just feels right the moment you step onto the covered front porch… and this one delivers exactly that. Inside, the work has already been done so you can simply move in and start living. The main level has been completely refreshed with durable LVP flooring that flows seamlessly throughout, creating a clean, cohesive space. A large living room welcomes you in with a picture window that fills the space with natural light, anchored by a decorative fireplace that adds just the right touch of character. The layout opens easily into the dining area bright, functional, and ready for everyday meals or weekend gatherings. Just beyond, the updated kitchen brings everything together with granite countertops, shaker-style cabinetry, and stainless steel appliances simple, modern, and designed to work for real life. One of the best parts? The charm that was worth keeping. The original staircase remains, adding a subtle nod to the home’s history and giving the space a personality you just don’t find in newer builds. Upstairs, you’ll find four comfortable bedrooms plenty of space whether you need sleeping quarters, a home office, or a mix of both—along with a full bathroom that serves the level well. The lower level adds even more flexibility, offering great storage space and a newly finished full bathroom with a tiled shower perfect for guests, a workout area, or just a little extra breathing room. Outside, the covered rear porch gives you a quiet place to unwind, while the fenced-in yard offers space for pets, play, or entertaining. A two-car detached garage adds convenience and value, rounding out a home that simply makes sense. Located in Pittsburgh, you’re never far from what makes the city special quick access to local shops, neighborhood parks, and an easy commute into downtown. It’s the kind of location where you can enjoy the feel of a neighborhood while staying connected to everything the city has to offer.

Key facts

• Covered front porch
• Decorative fireplace
• Updated kitchen

Tags

• COVERED FRONT PORCH
• DURABLE LVP FLOORING
• DECORATIVE FIREPLACE
• UPDATED KITCHEN
• GRANITE COUNTERTOPS
• SHAKER-STYLE CABINETRY

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $138k.

Deal economics

• At list price, monthly cash flow is $121 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (5.8% below list).
• Recommended offer: $130k (5.8% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 10.3% in McKeesport — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 66/100 on livability (#1,089 in PA) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, health & safety D, crime F.
• Mckeesport Area SD (suburban): math 11% / reading 28% proficiency, ranked #499 of 539 in PA (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 113 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).
• This rent runs 44% of the median local income ($35k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $958 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 58 days — a 3% lower offer ($134k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $19k; list at $138k implies a 625% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,479 (5.8% below list)

Questions for the listing agent

1. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.94% ✗
• Cap rate: 7.34%
• Cash-on-cash: 3.73%
• DSCR: 1.17
• GRM: 8.8

CMA / ARV

• ARV (median comp): $53,047
• List price: $138,500
• Delta: 161.09%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1312 Ross St	0.06mi	4/1.0 (+1)	1,800 (-2%)	3mo	$125,000	$69	86
1300 Pirl St	0.14mi	3/2.0	1,800 (-2%)	7mo	$13,250	$7	80
2810 Jenny Lind St	0.34mi	3/1.0	1,852 (+0%)	6mo	$19,900	$11	78
1315 Packer St	0.09mi	3/1.0	1,653 (-10%)	6mo	$15,000	$9	74
1410 Craig St	0.32mi	4/1.0 (+1)	2,006 (+9%)	2mo	$65,000	$32	64
1517 Beaver St	0.57mi	3/1.5	1,815 (-2%)	6mo	$38,000	$21	64
1208 Meadow St	0.30mi	4/2.0 (+1)	1,716 (-7%)	4mo	$110,000	$64	63
1316 Craig St	0.33mi	3/1.5	1,653 (-10%)	4mo	$127,500	$77	62
1703 Coursin St	0.59mi	3/2.0	1,874 (+2%)	6mo	$55,000	$29	60
2302-2304 Walnut St #2302	0.63mi	4/2.0 (+1)	1,846 (+0%)	4mo	$133,790	$72	58
1507 Carnegie Ave	0.55mi	3/1.5	1,600 (-13%)	4mo	$65,000	$41	47
1111 - 11133 Jefferson St	0.66mi	4/2.0 (+1)	2,000 (+9%)	8mo	$120,000	$60	39

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: -10.5%
• Equity multiple: 0.62×
• Total profit: $-14,768
• Equity at exit: $20,651

10-year hold

• IRR: -1.1%
• Equity multiple: 0.92×
• Total profit: $-3,001
• Equity at exit: $11,975

Cash invested: $38,780 (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 15132

• Home prices YoY: -32.9%
• Active inventory: 113
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,305 high
• Mortgage (P&I): −$726
• Tax from tax record: −$126 /mo · $1,513/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $121

Break-even live

Break-even rent $1,152

Max offer price $138,500

Occupancy floor 86%

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: $34,625
• Closing costs: $4,155
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1217 Scott St McKeesport, PA	3.0	1.0	1500	$1,165	$0.78	43d	1	0.13mi
1506 Freemont St McKeesport, PA	3.0	2.0	1250	$1,295	$1.04	23d	1	0.18mi
2807 Beaver St McKeesport, PA	4.0	2.0	1700	$1,200	$0.71	43d	1	0.20mi
1507 Carnegie Ave McKeesport, PA	3.0	1.5	1600	$1,699	$1.06	14d	1	0.55mi
2408 McCarrell St McKeesport, PA	4.0	1.0	1430	$1,195	$0.84	23d	1	0.60mi
1451 Jenny Lind St McKeesport, PA	3.0	1.5	1408	$1,150	$0.82	23d	1	0.64mi
3710 Mayfair St McKeesport, PA	3.0	1.5	1314	$1,095	$0.83	3d	1	0.66mi
2311 Grandview Ave McKeesport, PA	4.0	2.0	2550	$1,250	$0.49	17d	1	0.72mi
3211 Walnut St McKeesport, PA	4.0	1.0	1434	$1,500	$1.05	7d	1	0.90mi
2212 Cronemeyer St McKeesport, PA	3.0	1.0	1720	$1,375	$0.80	43d	1	0.92mi
1318 Maryland Ave West Mifflin, PA	3.0	1.0	1408	$1,695	$1.20	43d	1	1.37mi

Listing history 17 events

1. 2026-06-18
   days on market $138,500 Active 58 DOM
2. 2026-06-17
   days on market $138,500 Active 57 DOM
3. 2026-06-16
   days on market $138,500 Active 56 DOM
4. 2026-06-15
   days on market $138,500 Active 55 DOM
5. 2026-06-13
   days on market $138,500 Active 53 DOM
6. 2026-06-13
   days on market $138,500 Active 52 DOM
7. 2026-06-09
   days on market $138,500 Active 49 DOM
8. 2026-06-08
   days on market $138,500 Active 48 DOM
9. 2026-06-07
   days on market $138,500 Active 47 DOM
10. 2026-06-03
    days on market $138,500 Active 43 DOM
11. 2026-06-02
    days on market $138,500 Active 42 DOM
12. 2026-06-01
    days on market $138,500 Active 41 DOM
13. 2026-05-31
    days on market $138,500 Active 40 DOM
14. 2026-05-08
    price $138,500 2019-char remark

    Show marketing remark (2019 chars)

    There’s something about a home that just feels right the moment you step onto the covered front porch… and this one delivers exactly that. Inside, the work has already been done so you can simply move in and start living. The main level has been completely refreshed with durable LVP flooring that flows seamlessly throughout, creating a clean, cohesive space. A large living room welcomes you in with a picture window that fills the space with natural light, anchored by a decorative fireplace that adds just the right touch of character. The layout opens easily into the dining area bright, functional, and ready for everyday meals or weekend gatherings. Just beyond, the updated kitchen brings everything together with granite countertops, shaker-style cabinetry, and stainless steel appliances simple, modern, and designed to work for real life. One of the best parts? The charm that was worth keeping. The original staircase remains, adding a subtle nod to the home’s history and giving the space a personality you just don’t find in newer builds. Upstairs, you’ll find four comfortable bedrooms plenty of space whether you need sleeping quarters, a home office, or a mix of both—along with a full bathroom that serves the level well. The lower level adds even more flexibility, offering great storage space and a newly finished full bathroom with a tiled shower perfect for guests, a workout area, or just a little extra breathing room. Outside, the covered rear porch gives you a quiet place to unwind, while the fenced-in yard offers space for pets, play, or entertaining. A two-car detached garage adds convenience and value, rounding out a home that simply makes sense. Located in Pittsburgh, you’re never far from what makes the city special quick access to local shops, neighborhood parks, and an easy commute into downtown. It’s the kind of location where you can enjoy the feel of a neighborhood while staying connected to everything the city has to offer.

15. 2026-04-21
    listed $143,500 Active 2019-char remark

    Show marketing remark (2019 chars)

    There’s something about a home that just feels right the moment you step onto the covered front porch… and this one delivers exactly that. Inside, the work has already been done so you can simply move in and start living. The main level has been completely refreshed with durable LVP flooring that flows seamlessly throughout, creating a clean, cohesive space. A large living room welcomes you in with a picture window that fills the space with natural light, anchored by a decorative fireplace that adds just the right touch of character. The layout opens easily into the dining area bright, functional, and ready for everyday meals or weekend gatherings. Just beyond, the updated kitchen brings everything together with granite countertops, shaker-style cabinetry, and stainless steel appliances simple, modern, and designed to work for real life. One of the best parts? The charm that was worth keeping. The original staircase remains, adding a subtle nod to the home’s history and giving the space a personality you just don’t find in newer builds. Upstairs, you’ll find four comfortable bedrooms plenty of space whether you need sleeping quarters, a home office, or a mix of both—along with a full bathroom that serves the level well. The lower level adds even more flexibility, offering great storage space and a newly finished full bathroom with a tiled shower perfect for guests, a workout area, or just a little extra breathing room. Outside, the covered rear porch gives you a quiet place to unwind, while the fenced-in yard offers space for pets, play, or entertaining. A two-car detached garage adds convenience and value, rounding out a home that simply makes sense. Located in Pittsburgh, you’re never far from what makes the city special quick access to local shops, neighborhood parks, and an easy commute into downtown. It’s the kind of location where you can enjoy the feel of a neighborhood while staying connected to everything the city has to offer.

16. 2006-06-29
    soldstatus $19,100
17. 1995-01-19
    soldstatus $14,000

ⓘ 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: $1,513 · $126/mo
• Projected year-2 tax: $1,851 · $154/mo
• Expected delta: +$337/yr (+$28/mo · 22.3%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 11 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,657
• − Mortgage interest: −$7,758
• − Property taxes: −$1,513
• − Insurance: −$692
• − Repairs & maintenance: −$1,253
• − Management: −$1,253
• − Depreciation: −$4,029
• Taxable loss: −$841
• Est. tax savings @ 24.0%: +$202
• After-tax cash flow: $1,650/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: Mckeesport Area SD
• NCES district ID: 4214940
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 28% ▼ -10.00%
• Median HH income: $33,779
• Composite: 15.88/100
• National rank: #9257
• State rank: #499 of 539 in PA

Livability — McKeesport

• Score: 66/100
• State rank: #1089
• US rank: #12321

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKeesport, PA
• County: Allegheny County · 1,022,028 people
• City population: 25,010
• Metro: Pittsburgh, PA
• Population (ZIP): 18,898
• Household income: $35,397
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 1239.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 50% Black 35% Two or more races 10% Hispanic / Latino 4% Asian 1%
• Common ancestry: Romanian 5% Serbian 2% Scotch-Irish 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.01%
• Current HPI: 145.195
• Rent YoY: —
• Metro: Pittsburgh, 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

+889.3% since first listed

4 events — show timeline

• 2026-05-08 Price Changed $138,500 West Penn MLS
• 2026-04-21 Listed $143,500 West Penn MLS
• 2006-06-29 Sold (Public Records) $19,100 Public Records
• 1995-01-19 Sold (Public Records) $14,000 Public Records

Property tax history

+6.2%/yr

Latest (2026): $1,513 · +0.0% YoY. Source: county tax records.