1300 Lloyd St · Nanty-Glo, PA 15943

$55,000

5 bd · 2.5 ba · 2,208 sqft · SingleFamily · 75 Days on market

Built 1923 7,840 sqft lot $25/sqft · 56% below area ↓ 15% since listing

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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
• Appreciation +5.5/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Take a look at this spacious 5-bedroom home (including 1 captive bedroom) with 1.5 bathrooms, featuring a newer roof, a beautifully renovated kitchen and bathroom, and convenient first-floor laundry. This property offers great potential for customization and updates. The seller is offering the home as-is due to some foundation damage, making it a fantastic opportunity for buyers looking to invest and create their perfect living space. Furnace blower was replaced recently. Don't miss out on this unique chance to own a home with so much potential!

Key facts

• Renovated bathroom
• Newer roof
• Renovated kitchen

Tags

• NEWER ROOF
• RENOVATED KITCHEN
• RENOVATED BATHROOM
• FIRST-FLOOR LAUNDRY

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $705 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $52k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Blacklick Valley SD (town): math 37% / reading 50% proficiency, ranked #310 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 11 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $931 of equity ($380 loan paydown + $551 appreciation (1.0% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 75 days — a 6% lower offer ($52k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 14y 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 $46k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1923 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $51,700 (6.0% below list)

Questions for the listing agent

1. It's been on market 75 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 1923 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 2.57% ✓
• Cap rate: 21.68%
• Cash-on-cash: 54.94%
• DSCR: 3.44
• GRM: 3.2

CMA / ARV

• ARV (median comp): $125,004
• List price: $55,000
• Delta: -56.00%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
651 Mccoy St	0.34mi	4/2.0 (-1)	1,890 (-14%)	12mo	$70,000	$37	43
672 2nd St	0.53mi	4/3.0 (-1)	2,128 (-4%)	24mo	$139,900	$66	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 57.7%
• Equity multiple: 3.99×
• Total profit: $45,979
• Equity at exit: $18,782

10-year hold

• IRR: 59.1%
• Equity multiple: 8.04×
• Total profit: $108,357
• Equity at exit: $24,964

Cash invested: $15,400 (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 15943

• Home prices YoY: 1.0%
• Active inventory: 11
• Price-to-rent: 3.2×

Monthly cashflow live

• Estimated rent: $1,412 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$99 /mo · $1,189/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $705

Break-even live

Break-even rent $520

Max offer price $55,000

Occupancy floor 45%

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: $13,750
• Closing costs: $1,650
• Reserves months: —
• Total cash needed: —

Listing history 31 events

1. 2026-06-18
   days on market $55,000 Active 75 DOM
2. 2026-06-17
   days on market $55,000 Active 74 DOM
3. 2026-06-16
   days on market $55,000 Active 73 DOM
4. 2026-06-15
   days on market $55,000 Active 72 DOM
5. 2026-06-13
   days on market $55,000 Active 70 DOM
6. 2026-06-12
   days on market $55,000 Active 69 DOM
7. 2026-06-09
   days on market $55,000 Active 66 DOM
8. 2026-06-08
   days on market $55,000 Active 65 DOM
9. 2026-06-08
   days on market $55,000 Active 64 DOM
10. 2026-06-07
    days on market $55,000 Active 63 DOM
11. 2026-06-04
    days on market $55,000 Active 60 DOM
12. 2026-06-02
    days on market $55,000 Active 59 DOM
13. 2026-06-01
    days on market $55,000 Active 58 DOM
14. 2026-05-31
    days on market $55,000 Active 57 DOM
15. 2026-04-14
    status Active 551-char remark

    Show marketing remark (551 chars)

    Take a look at this spacious 5-bedroom home (including 1 captive bedroom) with 1.5 bathrooms, featuring a newer roof, a beautifully renovated kitchen and bathroom, and convenient first-floor laundry. This property offers great potential for customization and updates. The seller is offering the home as-is due to some foundation damage, making it a fantastic opportunity for buyers looking to invest and create their perfect living space. Furnace blower was replaced recently. Don't miss out on this unique chance to own a home with so much potential!

16. 2026-03-17
    status Pending 551-char remark

    Show marketing remark (551 chars)

    Take a look at this spacious 5-bedroom home (including 1 captive bedroom) with 1.5 bathrooms, featuring a newer roof, a beautifully renovated kitchen and bathroom, and convenient first-floor laundry. This property offers great potential for customization and updates. The seller is offering the home as-is due to some foundation damage, making it a fantastic opportunity for buyers looking to invest and create their perfect living space. Furnace blower was replaced recently. Don't miss out on this unique chance to own a home with so much potential!

17. 2026-03-06
    listed $55,000 Active 551-char remark

    Show marketing remark (551 chars)

    Take a look at this spacious 5-bedroom home (including 1 captive bedroom) with 1.5 bathrooms, featuring a newer roof, a beautifully renovated kitchen and bathroom, and convenient first-floor laundry. This property offers great potential for customization and updates. The seller is offering the home as-is due to some foundation damage, making it a fantastic opportunity for buyers looking to invest and create their perfect living space. Furnace blower was replaced recently. Don't miss out on this unique chance to own a home with so much potential!

18. 2025-11-06
    soldstatus $46,000
19. 2025-10-31
    soldstatus $46,000 Closed 792-char remark

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

20. 2025-10-31
    soldstatus $46,000 Closed

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

21. 2025-10-14
    status Pending

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

22. 2025-10-14
    status Pending 792-char remark

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

23. 2025-10-04
    price $54,900

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

24. 2025-10-04
    price $54,900 792-char remark

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

25. 2025-09-15
    price $64,900

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

26. 2025-09-15
    price $64,900 792-char remark

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

27. 2025-08-20
    listed $69,900 Active 792-char remark

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

28. 2025-08-20
    listed $69,900 Active

    Show marketing remark (792 chars)

    Welcome to 1300 Lloyd Street, a charming home w/ recent updates & incredible potential! This residence boasts a newer metal roof, furnace, hot water tank, & an updated kitchen, among other improvements. The main floor features a spacious living room, a large kitchen w/ a pantry & first-floor laundry, a full updated bathroom, a dining room, & two versatile bonus rooms, including an office. Upstairs, you'll find four bedrooms (one being captive), a master suite w/ a half bathroom & kitchen hookups. The unfinished basement provides excellent storage space, while the corner lot offers an expansive yard & a large shed for additional convenience. Please note that this home is being sold ''AS-IS'' due to foundation damage. Call today for more information!

29. 2012-10-31
    soldstatus $63,000
30. 2012-10-31
    soldstatus $63,000
31. 2012-01-23
    listed $64,895

ⓘ 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: $1,189 · $99/mo
• Projected year-2 tax: $1,189 · $99/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 1/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥91°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,944
• − Mortgage interest: −$3,081
• − Property taxes: −$1,189
• − Insurance: −$275
• − Repairs & maintenance: −$1,356
• − Management: −$1,356
• − Depreciation: −$1,600
• Taxable income: $8,088
• Est. tax owed @ 24.0%: −$1,941
• After-tax cash flow: $6,519/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: Blacklick Valley SD
• NCES district ID: 4203690
• Math proficiency: 37% ▲ 7.00%
• Reading proficiency: 50% ▲ 5.00%
• Median HH income: $38,550
• Composite: 36.25/100
• National rank: #4712
• State rank: #310 of 539 in PA

Livability — Nanty-Glo

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Nanty-Glo, PA
• City population: 3,747
• Population (ZIP): 3,747

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 2%
• Common ancestry: Romanian 7% Lithuanian 2% Italian 2%
• Foreign-born: 1%
• Languages at home: 99% English-only · German/W. Germanic 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: ▲ 1.00%
• Current HPI: 97.1064
• 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

-15.2% since first listed

17 events — show timeline

• 2026-04-14 Relisted — AHARMLS
• 2026-03-17 Pending — AHARMLS
• 2026-03-06 Listed $55,000 AHARMLS
• 2025-11-06 Sold (Public Records) $46,000 Public Records
• 2025-10-31 Sold (MLS) $46,000 CSMLS
• 2025-10-31 Sold (MLS) $46,000 AHARMLS
• 2025-10-14 Pending — CSMLS
• 2025-10-14 Pending — AHARMLS
• 2025-10-04 Price Changed $54,900 CSMLS
• 2025-10-04 Price Changed $54,900 AHARMLS
• 2025-09-15 Price Changed $64,900 CSMLS
• 2025-09-15 Price Changed $64,900 AHARMLS
• 2025-08-20 Listed $69,900 CSMLS
• 2025-08-20 Listed $69,900 AHARMLS
• 2012-10-31 Sold (Public Records) $63,000 Public Records
• 2012-10-31 Sold (MLS) $63,000 CSMLS
• 2012-01-23 Listed $64,895 CSMLS

Property tax history

+1.3%/yr

Latest (2026): $1,189 · +0.0% YoY. Source: county tax records.