708 Lardintown Rd · Tarentum, PA 15084

$135,000

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 20 Days on market

Built 1930 0.56 ac lot $110/sqft · 25% below area Est $181k · 25% under

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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 +20.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• Appreciation +5.2/10.0
• 1% rule +5.0/10.0
• Livability +4.0/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

This 1-1/2 story home, located in Fawn Township, offers a practical layout with a comfortable, country feel, ideal for those seeking a manageable living space. With approximately 1,224 square feet, it provides a balance of functionality and charm. Located on over a half acre, the main level features an eat in kitchen alongside a separate dining room, which conveniently includes laundry hookups. (Or you can put washer and dryer back downstairs). A spacious living room creates a welcoming central gathering area, and a first floor bedroom plus a full bathroom add flexibility for single level living Upstairs you will find 2 additional bedrooms. One is a captive bedroom - accessible through the

Key facts

• Separate dining room
• Full bathroom
• Captive bedroom

Tags

• EAT IN KITCHEN
• SEPARATE DINING ROOM
• SPACIOUS LIVING ROOM
• FIRST FLOOR BEDROOM
• FULL BATHROOM
• CAPTIVE BEDROOM

Property features AI

Exterior

• Parking: Covered parking; Off-street parking for up to 6 vehicles
• Utilities: Public water; Public sewer; Electric service
• Home design: Resale property
• Construction: Vinyl siding; Asphalt roof
• Exterior features: Lot roughly 0.56 acres with irregular dimensions (approximately 216.9 x 129.99 x 214 x 198)

Interior

• Kitchen: Kitchen (Main) 13x12
• Bedrooms: Bedroom (Upper) 13x12; Den (Upper) 14x13
• Flooring: Hardwood; Tile; Carpet
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (gas); Wall/window cooling units
• Interior features: Multi-pane windows with screens and window treatments; Unfinished walk-out basement
• Laundry & utility: Basement utility access (unfinished)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $183 ($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 $134k (0.5% below list).
• Recommended offer: $133k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#240 in PA, #2,066 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools C-, amenities F, employment F.
• Highlands SD (suburban): math 29% / reading 48% proficiency, ranked #376 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 41 active listings in the ZIP; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($933 loan paydown + $612 appreciation (0.5% local appreciation)).
• At projected returns (0.5% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,975 (1.5% below list)

Questions for the listing agent

1. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.00% ✗
• Cap rate: 7.92%
• Cash-on-cash: 5.80%
• DSCR: 1.26
• GRM: 8.4

CMA / ARV

• ARV (median comp): $180,808
• List price: $135,000
• Delta: -25.34%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
708 Lardintown Rd	0.00mi	2/1.0 (-1)	1,224 (0%)	0mo	$140,500	$115	95
1868 Millerstown Rd	0.51mi	3/2.0	1,325 (+8%)	3mo	$195,000	$147	56

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

Projected returns pro-forma

0.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 5.7%
• Equity multiple: 1.28×
• Total profit: $10,570
• Equity at exit: $42,290

10-year hold

• IRR: 10.4%
• Equity multiple: 2.20×
• Total profit: $45,181
• Equity at exit: $53,372

Cash invested: $37,800 (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 15084

• Home prices YoY: 0.2%
• Active inventory: 41
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,344 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$115 /mo · $1,377/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$282
• Net cashflow: $183

Break-even live

Break-even rent $1,113

Max offer price $135,000

Occupancy floor 81%

Sensitivity live

Price	-10% $259	-5% $221	+0% $183	+5% $144	+10% $106
Rent	-10% $76	-5% $129	+0% $183	+5% $236	+10% $289
Rate	-1.0pp $251	-0.5pp $217	base $183	+0.5pp $148	+1.0pp $112

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-07
   historical Contingent 1492-char remark
2. 2026-04-29
   listed $135,000 Active 1492-char remark

ⓘ 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: $1,377 · $115/mo
• Projected year-2 tax: $1,755 · $146/mo
• Expected delta: +$378/yr (+$31/mo · 27.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,124
• − Mortgage interest: −$7,562
• − Property taxes: −$1,377
• − Insurance: −$675
• − Repairs & maintenance: −$1,290
• − Management: −$1,290
• − Depreciation: −$3,927
• Taxable income: $3
• Est. tax owed @ 24.0%: −$1
• After-tax cash flow: $2,190/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: Highlands SD
• NCES district ID: 4211880
• Math proficiency: 29% ▼ -9.00%
• Reading proficiency: 48% ▼ -9.00%
• Median HH income: $43,730
• Composite: 32.58/100
• National rank: #5679
• State rank: #376 of 539 in PA

Livability — Tarentum

• Score: 79/100
• State rank: #240
• US rank: #2066

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 9,884

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Black 3% Hispanic / Latino 1%
• Common ancestry: Romanian 14% Lithuanian 2% Serbian 2%
• Foreign-born: 1%
• Languages at home: 98% English-only · French/Haitian/Cajun 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.45%
• Current HPI: 230.7532
• 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

+4.1% since first listed

4 events — show timeline

• 2026-06-08 Sold (MLS) $140,500 West Penn MLS
• 2026-05-19 Pending — West Penn MLS
• 2026-05-07 Contingent — West Penn MLS
• 2026-04-29 Listed $135,000 West Penn MLS

Property tax history

+0.4%/yr

Latest (2026): $1,377 · +0.0% YoY. Source: county tax records.