170 Caitlyn Dr · University of Pittsburgh Johnstown, PA 15904

$54,900

3 bd · 1.5 ba · 1,248 sqft · SingleFamily

Built 1981 0.70 ac lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +5.5/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

Key facts

• 0.7 acre lot
• Built 1981

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $662 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).

Location & tenants

• Location reads 73/100 on livability (#548 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment F, housing F.
• Richland SD (suburban): math 57% / reading 72% proficiency, ranked #54 of 539 in PA (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 19% free/reduced lunch — higher-income household profile.
• Market conditions: 50 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 ~3 years — after that, you're playing with house money.

Negotiation context

• Only 0 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 28y 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.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.

Recommended offer $54,900

Questions for the listing agent

1. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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: 2.52% ✓
• Cap rate: 20.76%
• Cash-on-cash: 51.67%
• DSCR: 3.30
• GRM: 3.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 49.6%
• Equity multiple: 3.17×
• Total profit: $33,315
• Equity at exit: $8,186

10-year hold

• IRR: 55.1%
• Equity multiple: 6.43×
• Total profit: $83,508
• 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 15904

• Active inventory: 50
• Price-to-rent: 3.3×

Monthly cashflow live

• Estimated rent: $1,381 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$119 /mo · $1,423/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $662

Break-even live

Break-even rent $543

Max offer price $54,900

Occupancy floor 47%

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 13 events

1. 2023-08-27
   status Pending 542-char remark

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

2. 2023-08-27
   status Pending

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

3. 2023-08-14
   historical 542-char remark

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

4. 2023-08-12
   historical
5. 2022-05-12
   historical 542-char remark

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

6. 2022-05-12
   listed $54,900 542-char remark

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

7. 2022-05-12
   listed $54,900

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

8. 2022-05-12
   historical

   Show marketing remark (542 chars)

   Take a look at this 3 bedroom, 2 bath ranch home situated on . 7acres +/- in Richland Schools that is just waiting for that handyman to make this home your dream home. The home features large living room; kitchen/dining room combo with appliances included; 2 bedrooms with closets; one bedroom with closets and half bath; and full bath. Large rear porch is perfect for relaxing. Private setting but conveniently located to the Galleria, Industrial Park, and restaurants. Don't miss this opportunity. Call today to schedule your personal tour.

9. 2017-04-27
   soldstatus $52,000
10. 2002-08-19
    soldstatus $47,500
11. 2002-08-13
    soldstatus $50,000
12. 2001-05-01
    listed $49,900
13. 1998-07-09
    listed $29,900

ⓘ 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: $1,423 · $119/mo
• Projected year-2 tax: $1,423 · $119/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,576
• − Mortgage interest: −$3,075
• − Property taxes: −$1,423
• − Insurance: −$274
• − Repairs & maintenance: −$1,326
• − Management: −$1,326
• − Depreciation: −$1,597
• Taxable income: $7,555
• Est. tax owed @ 24.0%: −$1,813
• After-tax cash flow: $6,130/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: Richland SD
• NCES district ID: 4220250
• Math proficiency: 57% ▼ -4.00%
• Reading proficiency: 72% ▼ -1.00%
• Median HH income: $49,705
• Composite: 54.72/100
• National rank: #1322
• State rank: #54 of 539 in PA

Livability — University of Pittsburgh Johnstown

• Score: 73/100
• State rank: #548
• US rank: #5102

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 16,283

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 (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 2% Black 2% Asian 1%
• Common ancestry: Romanian 10% Slovak 2% Lithuanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% 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: ▼ -96.96%
• Current HPI: 151.6715
• 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

+83.6% since first listed

13 events — show timeline

• 2023-08-27 Pending — CSMLS
• 2023-08-27 Pending — CSMLS
• 2023-08-14 Delisted — CSMLS
• 2023-08-12 Delisted — CSMLS
• 2022-05-12 Delisted — CSMLS
• 2022-05-12 Listed $54,900 CSMLS
• 2022-05-12 Listed $54,900 CSMLS
• 2022-05-12 Delisted — CSMLS
• 2017-04-27 Sold (Public Records) $52,000 Public Records
• 2002-08-19 Sold (MLS) $47,500 CSMLS
• 2002-08-13 Sold (Public Records) $50,000 Public Records
• 2001-05-01 Listed $49,900 CSMLS
• 1998-07-09 Listed $29,900 CSMLS

Property tax history

+1.8%/yr

Latest (2026): $1,423 · +2.9% YoY. Source: county tax records.