314 W Pine St · Linesville, PA 16424

$160,000

3 bd · 1.0 ba · 1,036 sqft · SingleFamily · 102 Days on market

0.57 ac lot $154/sqft · 19% above area Est $134k · 19% over

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Why this score? — see what drove the D+ 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 +18.0/30.0
• Appreciation +9.2/10.0
• DSCR +5.6/10.0
• 1% rule +4.5/10.0
• Schools +4.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Cozy home in a nice location 3 bedrooms 1 bath Lovely living room with wood burning fireplace Enclosed all season room with lots of natural light Large level yard for gardening and entertaining Oversized 2 car garage with second floor with electric Add your finishing touches to make it you own Garage and yard are in the process of being cleaned out Front porch railings are being replaced and a railing will be installed on side door steps

Key facts

• Large level yard
• Front porch railings
• 0.57 acre lot

Tags

• WOOD BURNING FIREPLACE
• ENCLOSED ALL SEASON ROOM
• LARGE LEVEL YARD
• FRONT PORCH RAILINGS
• RAILING ON SIDE DOOR STEPS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $137 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $152k (4.8% below list).
• Recommended offer: $146k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#836 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, health & safety D, amenities F.
• Conneaut SD (rural): math 38% / reading 57% proficiency, ranked #241 of 539 in PA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 53 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($1k loan paydown + $14k appreciation (8.5% local appreciation)).
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.5% appreciation + 3.0% rent growth), your $45k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 102 days — a 9% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $56k; list at $160k implies a 186% gain — meaningful room to come down on a strong offer.

Recommended offer $145,600 (9.0% below list)

Questions for the listing agent

1. It's been on market 102 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.95% ✗
• Cap rate: 7.32%
• Cash-on-cash: 3.68%
• DSCR: 1.16
• GRM: 8.8

CMA / ARV

• ARV (median comp): $133,912
• List price: $160,000
• Delta: 19.48%
• Verdict: OVERPRICED
• Comps: 19 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
574 W Erie St	0.38mi	2/1.0 (-1)	1,100 (+6%)	10mo	$123,000	$112	59
315 Wallace Ave	0.35mi	3/1.5	1,176 (+14%)	10mo	$149,500	$127	50
377 E Erie St	0.70mi	2/1.0 (-1)	1,100 (+6%)	16mo	$55,000	$50	39

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

Projected returns pro-forma

8.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.8%
• Equity multiple: 2.78×
• Total profit: $79,646
• Equity at exit: $126,869

10-year hold

• IRR: 21.5%
• Equity multiple: 6.02×
• Total profit: $224,936
• Equity at exit: $257,077

Cash invested: $44,800 (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 16424

• Home prices YoY: 3.2%
• Active inventory: 53
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,523 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$160 /mo · $1,922/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $137

Break-even live

Break-even rent $1,349

Max offer price $160,000

Occupancy floor 86%

Sensitivity live

Price	-10% $228	-5% $183	+0% $137	+5% $92	+10% $47
Rent	-10% $17	-5% $77	+0% $137	+5% $197	+10% $258
Rate	-1.0pp $218	-0.5pp $178	base $137	+0.5pp $96	+1.0pp $54

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-19
   days on market $160,000 Active 102 DOM
2. 2026-06-18
   days on market $160,000 Active 101 DOM
3. 2026-06-17
   days on market $160,000 Active 100 DOM
4. 2026-06-16
   days on market $160,000 Active 99 DOM
5. 2026-06-15
   days on market $160,000 Active 98 DOM
6. 2026-06-14
   days on market $160,000 Active 96 DOM
7. 2026-06-12
   days on market $160,000 Active 95 DOM
8. 2026-06-09
   days on market $160,000 Active 92 DOM
9. 2026-06-08
   days on market $160,000 Active 91 DOM
10. 2026-06-07
    days on market $160,000 Active 90 DOM
11. 2026-06-07
    days on market $160,000 Active 89 DOM
12. 2026-06-03
    days on market $160,000 Active 86 DOM
13. 2026-06-02
    days on market $160,000 Active 85 DOM
14. 2026-06-01
    days on market $160,000 Active 84 DOM
15. 2026-05-31
    days on market $160,000 Active 83 DOM
16. 2026-05-30
    days on market $160,000 Active 82 DOM
17. 2026-04-24
    price $160,000 442-char remark

    Show marketing remark (442 chars)

    Cozy home in a nice location 3 bedrooms 1 bath Lovely living room with wood burning fireplace Enclosed all season room with lots of natural light Large level yard for gardening and entertaining Oversized 2 car garage with second floor with electric Add your finishing touches to make it you own Garage and yard are in the process of being cleaned out Front porch railings are being replaced and a railing will be installed on side door steps

18. 2026-03-09
    listed $165,000 Active 442-char remark

    Show marketing remark (442 chars)

    Cozy home in a nice location 3 bedrooms 1 bath Lovely living room with wood burning fireplace Enclosed all season room with lots of natural light Large level yard for gardening and entertaining Oversized 2 car garage with second floor with electric Add your finishing touches to make it you own Garage and yard are in the process of being cleaned out Front porch railings are being replaced and a railing will be installed on side door steps

19. 2023-05-15
    soldstatus $56,000
20. 2018-12-31
    soldstatus $80,994
21. 2014-01-14
    soldstatus $80,894

ⓘ 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: $1,922 · $160/mo
• Projected year-2 tax: $2,225 · $185/mo
• Expected delta: +$303/yr (+$25/mo · 15.8%)

ⓘ 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 2/10 Low 7 d/yr ≥94°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,276
• − Mortgage interest: −$8,962
• − Property taxes: −$1,922
• − Insurance: −$800
• − Repairs & maintenance: −$1,462
• − Management: −$1,462
• − Depreciation: −$4,655
• Taxable loss: −$987
• Est. tax savings @ 24.0%: +$237
• After-tax cash flow: $1,884/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: Conneaut SD
• NCES district ID: 4206590
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 57% ▼ -7.00%
• Median HH income: $43,946
• Composite: 40.06/100
• National rank: #3813
• State rank: #241 of 539 in PA

Livability — Linesville

• Score: 69/100
• State rank: #836
• US rank: #8776

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linesville, PA
• Population (ZIP): 4,328

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · German/W. Germanic 3% Spanish 1%

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.48%
• Current HPI: 276.8388
• 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

+97.8% since first listed

5 events — show timeline

• 2026-04-24 Price Changed $160,000 GEBOR
• 2026-03-09 Listed $165,000 GEBOR
• 2023-05-15 Sold (Public Records) $56,000 Public Records
• 2018-12-31 Sold (Public Records) $80,994 Public Records
• 2014-01-14 Sold (Public Records) $80,894 Public Records

Property tax history

+0.7%/yr

Latest (2025): $1,922 · +0.0% YoY. Source: county tax records.