125 N Roosevelt Ave · Palmdale, PA 17033

$225,000

3 bd · 2.0 ba · 3,000 sqft · SingleFamily · 13 Days on market

Built 1960 Fair condition $75/sqft · 40% below area Est $372k · 40% under ↓ 10% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +14.8/30.0
• Schools +6.5/10.0
• DSCR +4.5/10.0
• 1% rule +4.1/10.0
• Rent growth +3.5/5.0
• Livability +3.4/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This sturdy stone ranch home in Palmdale is situated on a corner lot and ready for completion. The interior is currently framed for a living room, kitchen, two bedrooms, and two full bathrooms. An upstairs loft provides versatile space for an office, game room, or potential third bedroom. The lower level features a stone fireplace, making it ideal for a family room with ample storage space. There is also a framed out second kitchen area. For convenience, the laundry can be located on either the main or lower level. Exterior features include a one-car garage, a driveway with two additional parking spaces, and a side patio with a second stone fireplace. Recently subdivided from the neighboring property, this home offers a unique opportunity to choose your own contractor and finish the space to your exact specifications. Please exercise caution when touring the property, as hazards may be present due to ongoing construction.

Key facts

• Garage
• Built 1960
• Listed 13 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $62 ($741/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 $205k (9.0% below list).
• Recommended offer: $205k (9.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#975 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools C-, amenities F, commute F.
• Derry Township SD (suburban): math 74% / reading 76% proficiency, ranked #15 of 539 in PA (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 16% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising fast (+4.2%/yr); 57 active listings in the ZIP; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 34% of the median local income ($73k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $204,645 (9.0% below list)

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 0.91% ✗
• Cap rate: 6.62%
• Cash-on-cash: 1.18%
• DSCR: 1.05
• GRM: 9.2

CMA / ARV

• ARV (median comp): $372,143
• List price: $225,000
• Delta: -39.54%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
125 N Roosevelt Ave	0.00mi	3/2.0	3,000 (0%)	0mo	$215,000	$72	100
212 S Lingle Ave	0.65mi	4/3.5 (+1)	2,756 (-8%)	12mo	$426,000	$155	35

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 · 4.19% rent growth · sell at horizon

5-year hold

• IRR: -13.1%
• Equity multiple: 0.52×
• Total profit: $-30,015
• Equity at exit: $33,548

10-year hold

• IRR: -2.3%
• Equity multiple: 0.83×
• Total profit: $-10,522
• Equity at exit: $19,454

Cash invested: $63,000 (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 17033

• Home prices YoY: -27.4%
• Rents YoY: 4.2%
• Active inventory: 57
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,046 medium
• Mortgage (P&I): −$1,180
• Tax est. 1.5%: −$281 /mo · $3,375/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$430
• Net cashflow: $62

Break-even live

Break-even rent $1,968

Max offer price $225,000

Occupancy floor 92%

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-05-12
   status Pending 935-char remark

   Show marketing remark (935 chars)

   This sturdy stone ranch home in Palmdale is situated on a corner lot and ready for completion. The interior is currently framed for a living room, kitchen, two bedrooms, and two full bathrooms. An upstairs loft provides versatile space for an office, game room, or potential third bedroom. The lower level features a stone fireplace, making it ideal for a family room with ample storage space. There is also a framed out second kitchen area. For convenience, the laundry can be located on either the main or lower level. Exterior features include a one-car garage, a driveway with two additional parking spaces, and a side patio with a second stone fireplace. Recently subdivided from the neighboring property, this home offers a unique opportunity to choose your own contractor and finish the space to your exact specifications. Please exercise caution when touring the property, as hazards may be present due to ongoing construction.

2. 2026-05-08
   price $225,000 935-char remark

   Show marketing remark (935 chars)

   This sturdy stone ranch home in Palmdale is situated on a corner lot and ready for completion. The interior is currently framed for a living room, kitchen, two bedrooms, and two full bathrooms. An upstairs loft provides versatile space for an office, game room, or potential third bedroom. The lower level features a stone fireplace, making it ideal for a family room with ample storage space. There is also a framed out second kitchen area. For convenience, the laundry can be located on either the main or lower level. Exterior features include a one-car garage, a driveway with two additional parking spaces, and a side patio with a second stone fireplace. Recently subdivided from the neighboring property, this home offers a unique opportunity to choose your own contractor and finish the space to your exact specifications. Please exercise caution when touring the property, as hazards may be present due to ongoing construction.

3. 2026-04-30
   listed $250,000 Active 935-char remark

   Show marketing remark (935 chars)

   This sturdy stone ranch home in Palmdale is situated on a corner lot and ready for completion. The interior is currently framed for a living room, kitchen, two bedrooms, and two full bathrooms. An upstairs loft provides versatile space for an office, game room, or potential third bedroom. The lower level features a stone fireplace, making it ideal for a family room with ample storage space. There is also a framed out second kitchen area. For convenience, the laundry can be located on either the main or lower level. Exterior features include a one-car garage, a driveway with two additional parking spaces, and a side patio with a second stone fireplace. Recently subdivided from the neighboring property, this home offers a unique opportunity to choose your own contractor and finish the space to your exact specifications. Please exercise caution when touring the property, as hazards may be present due to ongoing construction.

4. 2026-02-03
   historical $250,000 935-char remark

   Show marketing remark (935 chars)

   This sturdy stone ranch home in Palmdale is situated on a corner lot and ready for completion. The interior is currently framed for a living room, kitchen, two bedrooms, and two full bathrooms. An upstairs loft provides versatile space for an office, game room, or potential third bedroom. The lower level features a stone fireplace, making it ideal for a family room with ample storage space. There is also a framed out second kitchen area. For convenience, the laundry can be located on either the main or lower level. Exterior features include a one-car garage, a driveway with two additional parking spaces, and a side patio with a second stone fireplace. Recently subdivided from the neighboring property, this home offers a unique opportunity to choose your own contractor and finish the space to your exact specifications. Please exercise caution when touring the property, as hazards may be present due to ongoing construction.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $24,557
• − Mortgage interest: −$12,603
• − Property taxes: −$3,375
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,965
• − Management: −$1,965
• − Depreciation: −$6,545
• Taxable loss: −$3,021
• Est. tax savings @ 24.0%: +$725
• After-tax cash flow: $1,466/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 · 4 photos

Fair 45/100 Moderate rehab

This stone ranch home in Palmdale is in the process of being completed. It requires significant construction and finishing work to become move-in ready and visually appealing.

Repairs flagged

• Major Exterior framing — Exposed framing indicates incomplete construction
• Major Roof — Exposed framing indicates incomplete construction
• Major Flooring — Exposed framing indicates incomplete construction
• Major Interior walls/paint — Exposed framing indicates incomplete construction
• Major HVAC/mechanicals — Exposed framing indicates incomplete construction

Value-add opportunities

• Both Complete construction and finishing — Completing construction and finishing will make the home move-in ready and visually appealing
• Both Landscaping — Landscaping will improve curb appeal and make the home more attractive to potential buyers or renters

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exterior framing · Exposed framing indicates incomplete construction	Major	$15,000–50,000
Roof · Exposed framing indicates incomplete construction	Major	$15,000–50,000
Flooring · Exposed framing indicates incomplete construction	Major	$15,000–50,000
Interior walls/paint · Exposed framing indicates incomplete construction	Major	$15,000–50,000
HVAC/mechanicals · Exposed framing indicates incomplete construction	Major	$15,000–50,000
Total estimated repair cost · 5 items		$75,000–250,000

Value-add ROI direction

• Both Complete construction and finishing — Completing construction and finishing will make the home move-in ready and visually appealing ↑
• Both Landscaping — Landscaping will improve curb appeal and make the home more attractive to potential buyers or renters ↑

ⓘ 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: Derry Township SD
• NCES district ID: 4207590
• Math proficiency: 74% ▲ 7.00%
• Reading proficiency: 76% ▼ -6.00%
• Median HH income: $66,068
• Composite: 65.05/100
• National rank: #502
• State rank: #15 of 539 in PA

Livability — Palmdale

• Score: 67/100
• State rank: #975
• US rank: #10667

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palmdale, PA
• County: Dauphin County · 247,857 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 16,481
• Household income: $72,945
• Rent vs Own: 49.2% rent · 50.8% own
• Severe rent burden: 709.0

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: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 12% Asian 9% Two or more races 6% Black 3%
• Hispanic origin (detail): Mexican 6% Puerto Rican 4%
• Common ancestry: Italian 4% Romanian 3% Slovak 2%
• Foreign-born: 12% · Canada, China, Vietnam
• Languages at home: 82% English-only · Spanish 10% Other Indo-European 3% Chinese 2%

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: ▼ -105.78%
• Current HPI: 279.7607
• Rent YoY: ▲ 4.19%
• 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

-10.0% since first listed

4 events — show timeline

• 2026-05-12 Pending — BRIGHT MLS
• 2026-05-08 Price Changed $225,000 BRIGHT MLS
• 2026-04-30 Listed $250,000 BRIGHT MLS
• 2026-02-03 Coming Soon $250,000 BRIGHT MLS