434 S Center Ave · Somerset, PA 15501

$25,000

5 bd · 2.0 ba · 2,176 sqft · SingleFamily public records · 1 Days on market

Built 1900 4,660 sqft lot $11/sqft · 84% below 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.2/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity awaits with this 4-bedroom, 2-baths home full of character and ready for your vision. Featuring a classic two-story layout, this property offers spacious rooms, original woodwork, and a charming front porch perfect for restoration. The home includes a large living area & separate dining space. A walk-up attic provides additional storage or potential for future expansion. The full basement offers utility space and room for mechanical updates. Exterior features include vinyl siding, a covered front porch, and a detached shed for extra storage. The property sits on a manageable lot with off-street potential. This home will require renovation and is being sold as-is, making it

Key facts

• Charming front porch
• Two-story layout
• Full basement

Tags

• TWO-STORY LAYOUT
• ORIGINAL WOODWORK
• CHARMING FRONT PORCH
• WALK-UP ATTIC
• FULL BASEMENT
• VINYL SIDING

Property features AI

Finance

• Financial info: Annual taxes listed (tax amount withheld from display)
• HOA & community: Public transportation access

Exterior

• Parking: Detached garage
• Utilities: Public water; Public sewer
• Home design: Three-story building; Asphalt roof
• Construction: Asphalt roof
• Exterior features: Public water; Public sewer; Lot approximately 0.107 acres; Resale condition

Interior

• Flooring: Hardwood; Vinyl
• Bathrooms: Two full bathrooms
• Heating & cooling: Gas hot water heating
• Interior features: Hardwood and vinyl flooring; Walk-out basement

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $25k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $25k).
• Cap rate 57.1% vs local median 4.3% in Somerset — 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 66/100 on livability (#1,031 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A, housing B+; Watch: amenities F, commute F, employment D-.
• Somerset Area SD (town): math 40% / reading 61% proficiency, ranked #185 of 539 in PA (top 34%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 98 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $173 of loan paydown is wiped out by about $750 of value loss. Plan a longer hold.
• Somerset County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $7k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 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.

Risks & watch-outs

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

Recommended offer $25,000

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. 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?
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: 6.24% ✓
• Cap rate: 57.14%
• Cash-on-cash: 181.59%
• DSCR: 9.08
• GRM: 1.3

CMA / ARV

• ARV (median comp): $159,832
• List price: $25,000
• Delta: -84.36%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
429 S Center Ave	0.03mi	4/2.0 (-1)	2,302 (+6%)	9mo	$160,000	$70	76
256 W Church St	0.23mi	4/1.5 (-1)	2,120 (-3%)	20mo	$150,000	$71	61
301 W Patriot St	0.28mi	4/1.5 (-1)	2,032 (-7%)	11mo	$179,000	$88	60
218 W Race St	0.15mi	4/2.5 (-1)	2,041 (-6%)	23mo	$167,500	$82	56
129 Missoura St	0.54mi	4/2.0 (-1)	2,012 (-8%)	1mo	$169,900	$84	56
352 W Garrett St	0.31mi	4/2.0 (-1)	1,963 (-10%)	12mo	$233,000	$119	54
527 N Edgewood Ave	0.53mi	4/1.5 (-1)	2,374 (+9%)	7mo	$162,000	$68	47
606 Louther St	0.68mi	6/2.0 (+1)	2,400 (+10%)	22mo	$102,000	$43	27

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: —
• Equity multiple: 10.06×
• Total profit: $63,439
• Equity at exit: $3,728

10-year hold

• IRR: —
• Equity multiple: 21.32×
• Total profit: $142,212
• Equity at exit: $2,162

Cash invested: $7,000 (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 15501

• Home prices YoY: -21.2%
• Active inventory: 98
• Price-to-rent: 1.3×

Monthly cashflow live

• Estimated rent: $1,560 medium
• Mortgage (P&I): −$131
• Tax est. 1.5%: −$31 /mo · $375/yr
• Insurance: −$10
• HOA: −$0
• Vacancy / Maint / Mgmt: −$328
• Net cashflow: $1,059

Break-even live

Break-even rent $219

Max offer price $25,000

Occupancy floor 27%

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: $6,250
• Closing costs: $750
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-12
   statusdays on marketlisting id $25,000 Pending 1 DOM
2. 2026-06-09
   days on market $25,000 Active 60 DOM
3. 2026-06-08
   days on market $25,000 Active 59 DOM
4. 2026-06-08
   days on market $25,000 Active 58 DOM
5. 2026-06-07
   days on market $25,000 Active 57 DOM
6. 2026-06-04
   days on market $25,000 Active 54 DOM
7. 2026-06-02
   days on market $25,000 Active 53 DOM
8. 2026-06-01
   days on market $25,000 Active 52 DOM
9. 2026-05-31
   days on market $25,000 Active 51 DOM
10. 2026-04-22
    price $25,000 917-char remark
11. 2026-04-10
    listed $30,000 Active 917-char remark
12. 1993-06-01
    soldstatus $80,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥89°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,715
• − Mortgage interest: −$1,400
• − Property taxes: −$375
• − Insurance: −$125
• − Repairs & maintenance: −$1,497
• − Management: −$1,497
• − Depreciation: −$727
• Taxable income: $13,093
• Est. tax owed @ 24.0%: −$3,142
• After-tax cash flow: $9,569/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: Somerset Area SD
• NCES district ID: 4221840
• Math proficiency: 40% ▼ -15.00%
• Reading proficiency: 61% ▼ -12.00%
• Median HH income: $43,226
• Composite: 42.47/100
• National rank: #3216
• State rank: #185 of 539 in PA

Livability — Somerset

• Score: 66/100
• State rank: #1031
• US rank: #11472

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Somerset, PA
• Population (ZIP): 16,447

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Black 3% Two or more races 2% Hispanic / Latino 2% Asian 1%
• Common ancestry: Romanian 5% Italian 1% Slovak 1%
• Foreign-born: 1% · China
• Languages at home: 97% English-only · Spanish 1% Chinese 1% Other Indo-European 1%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -43.42%
• Current HPI: 160.9752
• 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

-68.8% since first listed

5 events — show timeline

• 2026-06-10 Pending — West Penn MLS
• 2026-06-10 Listed $25,000 West Penn MLS
• 2026-04-22 Price Changed $25,000 West Penn MLS
• 2026-04-10 Listed $30,000 West Penn MLS
• 1993-06-01 Sold (Public Records) $80,000 Public Records

Property tax history

+1.7%/yr

Latest (2026): $2,464 · +2.9% YoY. Source: county tax records.