7247 Capital Dr · Swatara, PA 17111

$254,900

2 bd · 2.5 ba · 1,414 sqft · SingleFamily public records · 5 Days on market

Built 1999 2,613 sqft lot $180/sqft · 43% above area Est $267k · at est. $50/mo HOA · 3% of rent

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Why this score? — see what drove the F 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).

• ARV discount +9.5/15.0
• Cash flow +7.8/30.0
• Schools +3.6/10.0
• Rent growth +3.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Capital Ridge townhome with open floor plan, one car garage, super economical geothermal heat pump heating and air conditioning. Two bedrooms on upper level, one with cathedral ceiling and each with their own private bathroom. Fully finished basement with walk-out and third full bath that serves as great living area and could also be used as a third bedroom. Bright dining and kitchen area with lots of sun light. Second floor laundry, 3.5 baths, easy to maintain exterior and affordable taxes and utilities. Closer to Harrisburg or Hershey. Great for a starter home, investment property or downsizing. Come take a look!

Key facts

• $50 HOA
• Garage
• Built 1999

Property features AI

Finance

• Other: Property manager present; Not in a federal flood zone; Suburban location on paved roads maintained by the borough/township; Below-grade finished area present (basement finished)
• HOA & community: Monthly HOA fee of $50 covering common area maintenance

Exterior

• Parking: Attached garage with front entry and garage door opener; Paved driveway; Total of 1 garage/parking space
• Utilities: Public water; Public sewer; No municipal trash service
• Home design: Interior townhouse/rowhouse; Three levels; Main entrance faces north; Fee simple ownership; Excellent condition; Pets allowed with no restrictions
• Construction: Frame construction; Block foundation; Asphalt roof; Insulated windows; Built (year source: assessor)
• Exterior features: Street lights

Interior

• Kitchen: Electric range/oven; Refrigerator; Dishwasher
• Bedrooms: Two bedrooms on the upper level; One bedroom on the lower level (basement level)
• Flooring: Carpet; Vinyl; Laminate
• Bathrooms: Three full bathrooms (two on upper level, one on lower level); One half bathroom on the main level
• Heating & cooling: Forced air heating (electric); Central air conditioning; 200+ amp electrical service with circuit breakers; Electric hot water
• Interior features: Open floor plan; Dining area; Window treatments; Drywall walls and ceilings; Full finished basement
• Laundry & utility: Laundry on upper floor

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $255k.

Deal economics

• At list price, monthly cash flow is $-286 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $204k (19.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (26.5% below list).
• Recommended offer: $187k (26.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Rutherford El Sch (math 22% / reading 47%, grade F, #1,049 of 1,518 statewide, top 71%, 441 students, 100% FRL); Central Dauphin East Ms (math 11% / reading 42%, grade F, #410 of 512 statewide, top 80%, 779 students, 99% FRL); Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 100% FRL vs 33% district-wide (67 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 186 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 8y 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 $139k; list at $255k implies a 84% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,434 (26.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.74% ✗
• Cap rate: 4.95%
• Cash-on-cash: -4.81%
• DSCR: 0.79
• GRM: 11.3

CMA / ARV

• ARV (median comp): $266,532
• List price: $254,900
• Delta: -4.36%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7391 Chambers Hill Rd	0.49mi	2/2.0	1,382 (-2%)	8mo	$165,000	$119	64
6940 Huntingdon St	0.27mi	2/2.0	1,540 (+9%)	23mo	$250,000	$162	52
6830 Clearfield St	0.34mi	3/1.5 (+1)	1,302 (-8%)	20mo	$261,000	$200	46
7090 Chambers Hill Rd	0.66mi	2/1.0	1,346 (-5%)	12mo	$199,900	$149	45
530 N 67th St	0.62mi	2/1.0	1,472 (+4%)	21mo	$216,100	$147	41
641 N 67th St	0.74mi	3/2.0 (+1)	1,574 (+11%)	7mo	$290,000	$184	34
520 N 67th St	0.61mi	3/2.0 (+1)	1,540 (+9%)	21mo	$276,000	$179	32
6531 Somerset St	0.61mi	3/1.5 (+1)	1,560 (+10%)	18mo	$249,000	$160	30
6610 Mifflin Ave	0.74mi	3/1.5 (+1)	1,607 (+14%)	12mo	$298,000	$185	24

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

Projected returns pro-forma

-3.0% appreciation · 3.76% rent growth · sell at horizon

5-year hold

• IRR: -23.6%
• Equity multiple: 0.19×
• Total profit: $-58,035
• Equity at exit: $38,006

10-year hold

• IRR: -16.5%
• Equity multiple: 0.05×
• Total profit: $-67,833
• Equity at exit: $22,039

Cash invested: $71,372 (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 17111

• Rents YoY: 3.8%
• Active inventory: 186
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,874 high
• Mortgage (P&I): −$1,337
• Tax from tax record: −$274 /mo · $3,284/yr
• Insurance: −$106
• HOA: −$50
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $-286

Break-even live

Break-even rent $2,236

Max offer price $204,404

Occupancy floor —

Sensitivity live

Price	-10% $-142	-5% $-214	+0% $-286	+5% $-358	+10% $-430
Rent	-10% $-434	-5% $-360	+0% $-286	+5% $-212	+10% $-138
Rate	-1.0pp $-157	-0.5pp $-221	base $-286	+0.5pp $-352	+1.0pp $-419

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: $63,725
• Closing costs: $7,647
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	45d	1	0.15mi
7546 Stephen Dr Harrisburg, PA	3.0	2.5	1740	$2,050	$1.18	45d	1	0.19mi
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$1,789	$1.10	15d	1	0.28mi
6550 Somerset St Harrisburg, PA	3.0	2.0	1488	$2,250	$1.51	15d	1	0.62mi
54 N 62nd St Unit 1 Harrisburg, PA	3.0	2.0	1340	$1,750	$1.31	15d	1	1.01mi

HOA detail

• Monthly dues: $50 · $600/yr

Listing history 8 events

1. 2026-05-05
   status Pending 1817-char remark
2. 2026-05-01
   listed $254,900 Active 1817-char remark
3. 2026-04-27
   historical $254,900 1817-char remark
4. 2018-09-05
   soldstatus $138,900
5. 2018-08-30
   soldstatus $138,900 Closed 622-char remark

   Show marketing remark (622 chars)

   Capital Ridge townhome with open floor plan, one car garage, super economical geothermal heat pump heating and air conditioning. Two bedrooms on upper level, one with cathedral ceiling and each with their own private bathroom. Fully finished basement with walk-out and third full bath that serves as great living area and could also be used as a third bedroom. Bright dining and kitchen area with lots of sun light. Second floor laundry, 3.5 baths, easy to maintain exterior and affordable taxes and utilities. Closer to Harrisburg or Hershey. Great for a starter home, investment property or downsizing. Come take a look!

6. 2018-08-02
   historical 622-char remark

   Show marketing remark (622 chars)

   Capital Ridge townhome with open floor plan, one car garage, super economical geothermal heat pump heating and air conditioning. Two bedrooms on upper level, one with cathedral ceiling and each with their own private bathroom. Fully finished basement with walk-out and third full bath that serves as great living area and could also be used as a third bedroom. Bright dining and kitchen area with lots of sun light. Second floor laundry, 3.5 baths, easy to maintain exterior and affordable taxes and utilities. Closer to Harrisburg or Hershey. Great for a starter home, investment property or downsizing. Come take a look!

7. 2018-06-01
   listed $138,900 622-char remark

   Show marketing remark (622 chars)

   Capital Ridge townhome with open floor plan, one car garage, super economical geothermal heat pump heating and air conditioning. Two bedrooms on upper level, one with cathedral ceiling and each with their own private bathroom. Fully finished basement with walk-out and third full bath that serves as great living area and could also be used as a third bedroom. Bright dining and kitchen area with lots of sun light. Second floor laundry, 3.5 baths, easy to maintain exterior and affordable taxes and utilities. Closer to Harrisburg or Hershey. Great for a starter home, investment property or downsizing. Come take a look!

8. 2001-03-08
   soldstatus $104,560

ⓘ 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: $3,284 · $274/mo
• Projected year-2 tax: $3,656 · $305/mo
• Expected delta: +$372/yr (+$31/mo · 11.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,492
• − Mortgage interest: −$14,278
• − Property taxes: −$3,284
• − Insurance: −$1,274
• − Repairs & maintenance: −$1,799
• − Management: −$1,799
• − HOA: −$600
• − Depreciation: −$7,415
• Taxable loss: −$7,959
• Est. tax savings @ 24.0%: +$1,910
• After-tax cash flow: $-1,520/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: Central Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Swatara

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

Census & demographics

• Census place: Rutherford, PA
• County: Dauphin County · 247,857 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 36,744
• Household income: $86,385
• Rent vs Own: 33.5% rent · 66.5% own
• Severe rent burden: 756.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 53% Black 22% Asian 13% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 4% Lithuanian 1% Serbian 1%
• Foreign-born: 14% · India, Canada, Vietnam
• Languages at home: 83% English-only · Other Indo-European 7% Spanish 6% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.67%
• Current HPI: 236.6936
• Rent YoY: ▲ 3.76%
• Metro: Harrisburg-Carlisle, PA
• 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

+143.8% since first listed

8 events — show timeline

• 2026-05-05 Pending — BRIGHT MLS
• 2026-05-01 Listed $254,900 BRIGHT MLS
• 2026-04-27 Coming Soon $254,900 BRIGHT MLS
• 2018-09-05 Sold (Public Records) $138,900 Public Records
• 2018-08-30 Sold (MLS) $138,900 BRIGHT MLS
• 2018-08-02 Listing Removed — BRIGHT MLS
• 2018-06-01 Listed $138,900 BRIGHT MLS
• 2001-03-08 Sold (Public Records) $104,560 Public Records

Property tax history

+1.9%/yr

Latest (2026): $3,284 · +5.5% YoY. Source: county tax records.