1404 Park Ave · Northern Cambria, PA 15714

$20,000

3 bd · 1.0 ba · 1,134 sqft · SingleFamily · 240 Days on market

Built 1922 6,970 sqft lot $18/sqft · 69% below area

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Why this score? — see what drove the C- 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
• Appreciation +7.1/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.4/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Located in the Northern Cambria School District, this 3-bedroom, 1-bath home offers a seemingly solid exterior with metal roof and potentially promising curb appeal. The interior has been partially demolished down to the studs -- this property is in need of a full renovation from top to bottom. Ideal for investors, flippers, or experienced renovators ready to bring a vision to life. With the right work, this home has strong potential to become a profitable asset or future residence. Bring your tools, plans, and creativity -- this project is ready for transformation.

Key facts

• Metal roof
• Full renovation
• 6,970 sq ft lot

Tags

• METAL ROOF
• FULL RENOVATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $20k.

Deal economics

• At list price, monthly cash flow is $739 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $20k).
• Recommended offer: $18k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#991 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, employment D-.
• Northern Cambria SD (town): math 32% / reading 48% proficiency, ranked #358 of 539 in PA (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 16 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 $973 of equity ($138 loan paydown + $835 appreciation (4.2% 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 (4.2% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 240 days — a 12% lower offer ($18k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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 $10k; list at $20k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1922 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $17,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 240 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1922 — 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. 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?
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: 5.55% ✓
• Cap rate: 50.63%
• Cash-on-cash: 158.34%
• DSCR: 8.05
• GRM: 1.5

CMA / ARV

• ARV (median comp): $65,356
• List price: $20,000
• Delta: -69.40%
• 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
301 Hickory St	0.33mi	3/1.0	1,248 (+10%)	3mo	$70,000	$56	65
1786 Empire Ave	0.53mi	4/1.0 (+1)	1,090 (-4%)	2mo	$69,900	$64	62
810 39th St	0.51mi	3/1.0	1,098 (-3%)	19mo	$25,000	$23	55
414 Juniper St	0.39mi	2/1.0 (-1)	1,192 (+5%)	18mo	$15,000	$13	53
210 Sassafras St	0.40mi	2/1.5 (-1)	1,274 (+12%)	6mo	$70,000	$55	48
409 Lincoln St	0.50mi	3/1.0	1,238 (+9%)	17mo	$89,000	$72	48
714 Mino Dr	0.59mi	3/1.0	1,270 (+12%)	8mo	$78,400	$62	46
533 Philadelphia Ave	0.67mi	4/1.0 (+1)	1,080 (-5%)	20mo	$114,900	$106	39

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

Projected returns pro-forma

4.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 10.06×
• Total profit: $50,757
• Equity at exit: $10,343

10-year hold

• IRR: —
• Equity multiple: 21.23×
• Total profit: $113,272
• Equity at exit: $17,081

Cash invested: $5,600 (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 15714

• Home prices YoY: 5.0%
• Active inventory: 16
• Price-to-rent: 1.5×

Monthly cashflow live

• Estimated rent: $1,110 medium
• Mortgage (P&I): −$105
• Tax est. 1.5%: −$25 /mo · $300/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $739

Break-even live

Break-even rent $175

Max offer price $20,000

Occupancy floor 28%

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: $5,000
• Closing costs: $600
• Reserves months: —
• Total cash needed: —

Listing history 26 events

1. 2026-06-18
   days on market $20,000 Active 240 DOM
2. 2026-06-17
   days on market $20,000 Active 239 DOM
3. 2026-06-16
   days on market $20,000 Active 238 DOM
4. 2026-06-15
   days on market $20,000 Active 237 DOM
5. 2026-06-13
   days on market $20,000 Active 235 DOM
6. 2026-06-12
   days on market $20,000 Active 234 DOM
7. 2026-06-09
   days on market $20,000 Active 231 DOM
8. 2026-06-08
   days on market $20,000 Active 230 DOM
9. 2026-06-08
   days on market $20,000 Active 229 DOM
10. 2026-06-07
    days on market $20,000 Active 228 DOM
11. 2026-06-04
    days on market $20,000 Active 225 DOM
12. 2026-06-02
    days on market $20,000 Active 224 DOM
13. 2026-06-01
    days on market $20,000 Active 223 DOM
14. 2026-05-31
    days on market $20,000 Active 222 DOM
15. 2025-10-21
    listed $20,000 Active 573-char remark

    Show marketing remark (573 chars)

    Located in the Northern Cambria School District, this 3-bedroom, 1-bath home offers a seemingly solid exterior with metal roof and potentially promising curb appeal. The interior has been partially demolished down to the studs -- this property is in need of a full renovation from top to bottom. Ideal for investors, flippers, or experienced renovators ready to bring a vision to life. With the right work, this home has strong potential to become a profitable asset or future residence. Bring your tools, plans, and creativity -- this project is ready for transformation.

16. 2025-04-30
    soldstatus $10,000 Closed 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

17. 2025-03-17
    status Pending 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

18. 2025-03-13
    price $12,000 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

19. 2025-02-11
    price $14,000 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

20. 2025-01-07
    price $16,000 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

21. 2024-12-04
    price $20,000 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

22. 2024-10-31
    listed $25,000 Active 295-char remark

    Show marketing remark (295 chars)

    Northern Cambria 2 story home in need of TLC. Perfect for investors or handypersons! Tons of potential for possible fix and flip or rental. AS-IS sale, seller will make no repairs. Property failed pressure test on plumbing. Buyer to pay any required municipal sewer testing and/or repair escrow.

23. 2006-02-06
    soldstatus $23,320
24. 1995-08-01
    soldstatus $15,700
25. 1991-04-01
    soldstatus $23,500
26. 1988-09-01
    soldstatus $14,000

ⓘ 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 ≥92°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: $13,323
• − Mortgage interest: −$1,120
• − Property taxes: −$300
• − Insurance: −$100
• − Repairs & maintenance: −$1,066
• − Management: −$1,066
• − Depreciation: −$582
• Taxable income: $9,090
• Est. tax owed @ 24.0%: −$2,182
• After-tax cash flow: $6,685/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: Northern Cambria SD
• NCES district ID: 4217610
• Math proficiency: 32% ▼ -6.00%
• Reading proficiency: 48% ▼ -11.00%
• Median HH income: $44,142
• Composite: 33.87/100
• National rank: #5350
• State rank: #358 of 539 in PA

Livability — Northern Cambria

• Score: 67/100
• State rank: #991
• US rank: #10925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Northern Cambria, PA
• Population (ZIP): 5,215

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 (97%)
• Race & ethnicity: White 97% Two or more races 2%
• Common ancestry: Romanian 9% Polish 3% Serbian 2%
• Foreign-born: 0%
• Languages at home: 95% English-only · German/W. Germanic 3% French/Haitian/Cajun 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: ▲ 4.17%
• Current HPI: 88.2969
• 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

+42.9% since first listed

12 events — show timeline

• 2025-10-21 Listed $20,000 CSMLS
• 2025-04-30 Sold (MLS) $10,000 AHARMLS
• 2025-03-17 Pending — AHARMLS
• 2025-03-13 Price Changed $12,000 AHARMLS
• 2025-02-11 Price Changed $14,000 AHARMLS
• 2025-01-07 Price Changed $16,000 AHARMLS
• 2024-12-04 Price Changed $20,000 AHARMLS
• 2024-10-31 Listed $25,000 AHARMLS
• 2006-02-06 Sold (Public Records) $23,320 Public Records
• 1995-08-01 Sold (Public Records) $15,700 Public Records
• 1991-04-01 Sold (Public Records) $23,500 Public Records
• 1988-09-01 Sold (Public Records) $14,000 Public Records

Property tax history

+1.6%/yr

Latest (2026): $1,106 · +0.0% YoY. Source: county tax records.