144 Main St · Woodbury, PA 16695

$94,900

2 bd · 1.0 ba · 1,044 sqft · SingleFamily · 39 Days on market

Built 1850 Fair condition 1.03 ac lot $91/sqft · 39% below area Est $156k · 39% 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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• Appreciation +6.0/10.0
• 1% rule +5.6/10.0
• Schools +4.4/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

THIS FIXER UPPER HAS A GREAT VIEW OF THE WOODBURY DAM. IT WILL MAKE A GOOD RENTAL OR STARTER HOME. OFF STREET PARKING IN THE REAR. THIS HOME IS BEING SOLD AS IS / WHERE IS

Key facts

• 1.03 acre lot
• Built 1850
• Listed 39 days

Property features AI

Exterior

• Utilities: Public water
• Home design: Single family residence; Two levels
• Construction: Aluminum siding
• Exterior features: Metal roof

Interior

• Flooring: Vinyl; Carpet
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating
• Interior features: Vinyl and carpet flooring; Basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $135 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#1,452 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime C-, employment C-, schools D.
• Northern Bedford County SD (rural): math 37% / reading 67% proficiency, ranked #154 of 539 in PA (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 5 active listings in the ZIP; 54 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($656 loan paydown + $2k appreciation (1.9% local appreciation)).
• Bedford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 12y 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 $25k; list at $95k implies a 280% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1850 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $92,053 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1850 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.06% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.11%
• DSCR: 1.27
• GRM: 7.9

CMA / ARV

• ARV (median comp): $156,174
• List price: $94,900
• Delta: -39.23%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
145 Main St	0.02mi	3/1.0 (+1)	898 (-14%)	18mo	$70,000	$78	56

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

Projected returns pro-forma

1.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.3%
• Equity multiple: 1.55×
• Total profit: $14,669
• Equity at exit: $36,937

10-year hold

• IRR: 13.4%
• Equity multiple: 2.78×
• Total profit: $47,203
• Equity at exit: $52,812

Cash invested: $26,572 (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 16695

• Home prices YoY: 1.7%
• Active inventory: 5
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,001 medium
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,424/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$210
• Net cashflow: $135

Break-even live

Break-even rent $830

Max offer price $94,900

Occupancy floor 82%

Sensitivity live

Price	-10% $201	-5% $168	+0% $135	+5% $102	+10% $70
Rent	-10% $56	-5% $96	+0% $135	+5% $175	+10% $214
Rate	-1.0pp $183	-0.5pp $159	base $135	+0.5pp $111	+1.0pp $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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-21
   days on market $94,900 Active 39 DOM
2. 2026-06-18
   days on market $94,900 Active 37 DOM
3. 2026-06-17
   days on market $94,900 Active 36 DOM
4. 2026-06-16
   days on market $94,900 Active 35 DOM
5. 2026-06-15
   days on market $94,900 Active 34 DOM
6. 2026-06-13
   days on market $94,900 Active 32 DOM
7. 2026-06-12
   days on market $94,900 Active 31 DOM
8. 2026-06-09
   days on market $94,900 Active 28 DOM
9. 2026-06-08
   days on market $94,900 Active 27 DOM
10. 2026-06-08
    days on market $94,900 Active 26 DOM
11. 2026-06-05
    days on market $94,900 Active 24 DOM
12. 2026-06-04
    days on market $94,900 Active 22 DOM
13. 2026-06-02
    days on market $94,900 Active 21 DOM
14. 2026-06-01
    days on market $94,900 Active 20 DOM
15. 2026-05-31
    days on market $94,900 Active 19 DOM
16. 2026-05-11
    listed $94,900 Active 164-char remark
17. 2015-05-27
    soldstatus $25,000 171-char remark

    Show marketing remark (171 chars)

    THIS FIXER UPPER HAS A GREAT VIEW OF THE WOODBURY DAM. IT WILL MAKE A GOOD RENTAL OR STARTER HOME. OFF STREET PARKING IN THE REAR. THIS HOME IS BEING SOLD AS IS / WHERE IS

18. 2014-08-29
    listed $39,900 171-char remark

    Show marketing remark (171 chars)

    THIS FIXER UPPER HAS A GREAT VIEW OF THE WOODBURY DAM. IT WILL MAKE A GOOD RENTAL OR STARTER HOME. OFF STREET PARKING IN THE REAR. THIS HOME IS BEING SOLD AS IS / WHERE IS

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,016
• − Mortgage interest: −$5,316
• − Property taxes: −$1,424
• − Insurance: −$474
• − Repairs & maintenance: −$961
• − Management: −$961
• − Depreciation: −$2,761
• Taxable income: $119
• Est. tax owed @ 24.0%: −$29
• After-tax cash flow: $1,594/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.

Condition & rehab AI · 10 photos

Fair 45/100 Moderate rehab

This two-story home on an acre of land in Woodbury requires significant repairs and updates to improve its condition and value. The exterior and interior need major work, and the HVAC system should be inspected. Landscaping and maintenance are also needed to enhance curb appeal.

Repairs flagged

• Major siding — Significant wear and tear
• Major roof — Older roof with potential leaks
• Major flooring — Worn-out carpet
• Major interior walls/paint — Painted walls with visible wear
• Major bathrooms — Needs updating
• Major kitchen — Needs updating
• Major HVAC/mechanicals — Needs inspection

Value-add opportunities

• Both New siding — Improves curb appeal and value
• Both New roof — Fixes potential leaks and improves value
• Both New flooring — Enhances interior aesthetics and value
• Both Paint interior walls — Enhances interior aesthetics and value
• Both Update bathrooms — Enhances functionality and value
• Both Update kitchen — Enhances functionality and value
• Both Inspect and replace HVAC/mechanicals — Ensures comfort and energy efficiency

Renovation cost estimate screening

Repair item	Severity	Est. cost
siding · Significant wear and tear	Major	$15,000–50,000
roof · Older roof with potential leaks	Major	$15,000–50,000
flooring · Worn-out carpet	Major	$15,000–50,000
interior walls/paint · Painted walls with visible wear	Major	$15,000–50,000
bathrooms · Needs updating	Major	$15,000–50,000
kitchen · Needs updating	Major	$15,000–50,000
HVAC/mechanicals · Needs inspection	Major	$15,000–50,000
Total estimated repair cost · 7 items		$105,000–350,000

Value-add ROI direction

• Both New siding — Improves curb appeal and value ↑
• Both New roof — Fixes potential leaks and improves value ↑
• Both New flooring — Enhances interior aesthetics and value ↑
• Both Paint interior walls — Enhances interior aesthetics and value ↑
• Both Update bathrooms — Enhances functionality and value ↑
• Both Update kitchen — Enhances functionality and value ↑
• Both Inspect and replace HVAC/mechanicals — Ensures comfort and energy efficiency ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Northern Bedford County SD
• NCES district ID: 4217580
• Math proficiency: 37% ▼ -12.00%
• Reading proficiency: 67% ▼ -13.00%
• Median HH income: $49,732
• Composite: 44.3/100
• National rank: #2832
• State rank: #154 of 539 in PA

Livability — Woodbury

• Score: 60/100
• State rank: #1452
• US rank: #18596

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Woodbury, PA
• Population (ZIP): 959

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 45,395 people
• By 2030: 43,353 · -4.5%
• By 2040: 38,858 · -14.4%
• By 2050: 34,162 · -24.7%
• By 2075: 24,868 · -45.2%
• By 2100: 16,910 · -62.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 8% Hispanic / Latino 5%
• Common ancestry: Italian 3% Slovak 2% Polish 2%
• Languages at home: 93% English-only · German/W. Germanic 7%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+68.6) · D 15.4% · R 84.0%
• 2008→2024 swing: -23.8pp toward R · 2008: -44.8pp · 2024: -68.6pp
• All cycles: 2024: R+68.6 2020: R+67.7 2016: R+67.4 2012: R+54.9 2008: R+44.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.90%
• Current HPI: 113.8434
• 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

+137.8% since first listed

3 events — show timeline

• 2026-05-11 Listed $94,900 AHARMLS
• 2015-05-27 Sold (MLS) $25,000 AHARMLS
• 2014-08-29 Listed $39,900 AHARMLS