807 Blair St · Portage, PA 15946

$54,900

2 bd · 1.0 ba · 1,290 sqft · SingleFamily · 120 Days on market

Built 1910 2,178 sqft lot $43/sqft · 45% below area Est $99k · 45% 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

Key facts

• Rear sunroom
• Oak kitchen
• Dining room

Tags

• FORMAL LIVING ROOM
• DINING ROOM
• HARDWOOD FLOORS
• OAK KITCHEN
• REAR SUNROOM
• ENCLOSED FRONT PORCH

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $306 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($952 rent vs $55k).
• Recommended offer: $50k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#772 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• Portage Area SD (town): math 46% / reading 66% proficiency, ranked #120 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Portage Area El Sch (math 48% / reading 72%, grade B-, #371 of 1,518 statewide, top 25%, 448 students, 54% FRL); Portage Area Jshs (math 42% / reading 57%, grade D, #138 of 437 statewide, top 34%, 359 students, 34% FRL) — zoned schools at 44% FRL track the district average.
• Market conditions: 31 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Cambria County population projected at -28% 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 $15k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 120 days — a 9% lower offer ($50k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $20k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,959 (9.0% below list)

Questions for the listing agent

1. It's been on market 120 days. Have you received any prior offers? Is the seller open to a 9% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 1.73% ✓
• Cap rate: 14.20%
• Cash-on-cash: 28.24%
• DSCR: 2.26
• GRM: 4.8

CMA / ARV

• ARV (median comp): $99,159
• List price: $54,900
• Delta: -44.63%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
506 Mountain Ave	0.34mi	3/1.0 (+1)	1,280 (-1%)	4mo	$108,500	$85	75
1112 Sonman Ave	0.22mi	2/1.5	1,200 (-7%)	12mo	$169,500	$141	66
1006 Jefferson Ave	0.05mi	3/2.0 (+1)	1,224 (-5%)	17mo	$114,000	$93	66
1208 Sonman Ave	0.29mi	3/1.5 (+1)	1,200 (-7%)	11mo	$200,000	$167	58
841 Farren St	0.27mi	3/2.0 (+1)	1,456 (+13%)	6mo	$116,500	$80	52
519 Orchard St	0.37mi	3/1.0 (+1)	1,408 (+9%)	13mo	$22,250	$16	51
1319 Gillespie Ave	0.29mi	3/1.0 (+1)	1,120 (-13%)	10mo	$60,000	$54	51
926 Webster Ave	0.44mi	3/2.0 (+1)	1,120 (-13%)	11mo	$100,000	$89	40
810 W Albright Ave	0.73mi	3/2.0 (+1)	1,204 (-7%)	14mo	$169,900	$141	35

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: 17.2%
• Equity multiple: 1.69×
• Total profit: $10,659
• Equity at exit: $8,186

10-year hold

• IRR: 25.7%
• Equity multiple: 3.25×
• Total profit: $34,616
• Equity at exit: $4,747

Cash invested: $15,372 (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 15946

• Home prices YoY: -32.2%
• Active inventory: 31
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $952 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$80 /mo · $956/yr
• Insurance: −$23
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$200
• Net cashflow: $306

Break-even live

Break-even rent $565

Max offer price $54,900

Occupancy floor 63%

Sensitivity live

Price	-10% $337	-5% $322	+0% $306	+5% $291	+10% $275
Rent	-10% $231	-5% $269	+0% $306	+5% $344	+10% $381
Rate	-1.0pp $334	-0.5pp $320	base $306	+0.5pp $292	+1.0pp $277

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: $13,725
• Closing costs: $1,647
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-05-04
   status Pending 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

2. 2026-04-17
   price $54,900 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

3. 2026-03-13
   price $64,900 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

4. 2026-02-19
   status Active 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

5. 2026-01-02
   status Pending 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

6. 2025-12-23
   status Active 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

7. 2025-11-12
   status Pending 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

8. 2025-10-07
   listed $74,900 Active 551-char remark

   Show marketing remark (551 chars)

   Portage area 2 story vinyl home features large formal living room and dining room with hardwood floors, oak kitchen, large rear sunroom/breakfast room and enclosed front porch. Second floor with large master bedroom with walk-in closet/dressing room plus second bedroom (no closet) and walk-up attic for storage. One car attached garage, fenced yard and loads of potential. Buyer to pay any required municipal sewer testing and/or repair escrow. Buyer responsible for required new water meter pit install. BUYER PAYS BOTH TRANSFER TAXES AND DEED PREP.

9. 2015-08-26
   soldstatus $68,000
10. 1990-07-01
    soldstatus $24,000

ⓘ 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: $956 · $80/mo
• Projected year-2 tax: $956 · $80/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 7/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥89°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,425
• − Mortgage interest: −$3,075
• − Property taxes: −$956
• − Insurance: −$941
• − Repairs & maintenance: −$914
• − Management: −$914
• − Depreciation: −$1,597
• Taxable income: $3,028
• Est. tax owed @ 24.0%: −$727
• After-tax cash flow: $2,947/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: Portage Area SD
• NCES district ID: 4219560
• Math proficiency: 46% ▼ -8.00%
• Reading proficiency: 66% ▬ 0.00%
• Median HH income: $43,143
• Composite: 47.02/100
• National rank: #2344
• State rank: #120 of 539 in PA

Livability — Portage

• Score: 70/100
• State rank: #772
• US rank: #7786

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Portage, PA
• Population (ZIP): 6,630

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3%
• Common ancestry: Romanian 22% Lithuanian 2% Slovak 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1% Other Indo-European 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -49.66%
• Current HPI: 104.3539
• 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

+128.8% since first listed

10 events — show timeline

• 2026-05-04 Pending — AHARMLS
• 2026-04-17 Price Changed $54,900 AHARMLS
• 2026-03-13 Price Changed $64,900 AHARMLS
• 2026-02-19 Relisted — AHARMLS
• 2026-01-02 Pending — AHARMLS
• 2025-12-23 Relisted — AHARMLS
• 2025-11-12 Pending — AHARMLS
• 2025-10-07 Listed $74,900 AHARMLS
• 2015-08-26 Sold (Public Records) $68,000 Public Records
• 1990-07-01 Sold (Public Records) $24,000 Public Records

Property tax history

+0.9%/yr

Latest (2026): $956 · +0.0% YoY. Source: county tax records.