715 Saint Marys Dr · Steelton, PA 17113

$152,900

3 bd · 1.0 ba · 1,369 sqft · SingleFamily public records · 51 Days on market

Built 1975 4,792 sqft lot Est $199k · 23% 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 +16.9/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• 1% rule +4.3/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome Home to this great 3bed 1 bath home!

Key facts

• Built 1975
• Listed 51 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $153k.

Deal economics

• At list price, monthly cash flow is $101 ($1k/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 $143k (6.6% below list).
• Recommended offer: $143k (6.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#971 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime F, amenities F.
• Steelton-Highspire SD (suburban): math 2% / reading 9% proficiency, ranked #538 of 539 in PA (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Steelton-Highspire El Sch (math 2% / reading 12%, grade F, #1,491 of 1,518 statewide, top 98%, 738 students, 100% FRL); Steelton-Highspire Hs (math 2% / reading 6%, grade F, #434 of 437 statewide, top 99%, 599 students, 100% FRL) — zoned schools average 100% FRL vs 68% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 68 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($148k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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.

Risks & watch-outs

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

Recommended offer $142,815 (6.6% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.93% ✗
• Cap rate: 7.08%
• Cash-on-cash: 2.82%
• DSCR: 1.13
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $198,505
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
422 High St	0.29mi	3/1.5	1,416 (+3%)	12mo	$198,900	$140	68
616 2nd St	0.45mi	3/2.0	1,366 (-0%)	14mo	$150,000	$110	63
510 Chambers St	0.32mi	2/1.0 (-1)	1,240 (-9%)	2mo	$218,000	$176	63
351 Catherine St	0.65mi	3/1.5	1,378 (+1%)	7mo	$200,000	$145	61
791 Chambers St	0.67mi	3/1.0	1,400 (+2%)	8mo	$254,000	$181	59
710 Main St	0.50mi	3/1.0	1,486 (+8%)	6mo	$210,000	$141	57
816 Mohn St	0.58mi	3/1.5	1,408 (+3%)	13mo	$250,000	$178	56
342 S 3rd St	0.46mi	4/— (+1)	1,498 (+9%)	3mo	$156,000	$104	55
743 Monroe St	0.57mi	3/1.5	1,300 (-5%)	14mo	$245,900	$189	51
662 Woodview St	0.42mi	4/2.5 (+1)	1,254 (-8%)	7mo	$262,500	$209	50
314 S 2nd St	0.52mi	2/1.0 (-1)	1,568 (+14%)	15mo	$160,000	$102	34
211 Park Ave	0.70mi	4/1.0 (+1)	1,501 (+10%)	16mo	$210,000	$140	33

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.57×
• Total profit: $-18,360
• Equity at exit: $22,798

10-year hold

• IRR: -2.7%
• Equity multiple: 0.82×
• Total profit: $-7,715
• Equity at exit: $13,220

Cash invested: $42,812 (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 17113

• Home prices YoY: -16.3%
• Active inventory: 68
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,428 high
• Mortgage (P&I): −$802
• Tax from tax record: −$162 /mo · $1,944/yr
• Insurance: −$64
• HOA: −$0
• Vacancy / Maint / Mgmt: −$300
• Net cashflow: $101

Break-even live

Break-even rent $1,301

Max offer price $152,900

Occupancy floor 88%

Sensitivity live

Price	-10% $187	-5% $144	+0% $101	+5% $57	+10% $14
Rent	-10% $-12	-5% $44	+0% $101	+5% $157	+10% $214
Rate	-1.0pp $178	-0.5pp $140	base $101	+0.5pp $61	+1.0pp $21

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: $38,225
• Closing costs: $4,587
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
640 S 2nd St Steelton, PA	3.0	1.5	1290	$1,400	$1.09	25d	1	0.11mi
25 Chestnut St Steelton, PA	3.0	1.0	1146	$1,250	$1.09	16d	1	0.56mi
971 Monroe St Harrisburg, PA	2.0	1.5	1120	$1,600	$1.43	16d	1	0.78mi
322 Pine St Unit 2 Steelton, PA	3.0	1.0	1100	$995	$0.90	45d	1	0.94mi
314 Lincoln St Steelton, PA	3.0	1.0	1264	$1,595	$1.26	16d	1	1.17mi
316 N 2nd St Steelton, PA	3.0	1.5	1524	$1,600	$1.05	16d	1	1.17mi
465 Sunday Dr Harrisburg, PA	3.0	2.5	1540	$1,895	$1.23	16d	1	1.19mi
325 Lincoln St Steelton, PA	3.0	1.0	1186	$1,250	$1.05	16d	1	1.19mi
508 N 2nd St Steelton, PA	3.0	1.5	1360	$1,450	$1.07	16d	1	1.31mi
589 Yale St Harrisburg, PA	2.0	2.0	911	$1,549	$1.70	16d	1	1.47mi

Listing history 19 events

1. 2026-04-11
   status Pending
2. 2026-04-04
   price $152,900
3. 2026-02-20
   listed $154,900 Active
4. 2026-02-17
   historical $154,900
5. 2024-03-01
   soldstatus $145,000 Closed 44-char remark

   Show marketing remark (44 chars)

   Welcome Home to this great 3bed 1 bath home!

6. 2024-03-01
   soldstatus $145,000

   Show marketing remark (44 chars)

   Welcome Home to this great 3bed 1 bath home!

7. 2024-01-24
   status Pending 44-char remark

   Show marketing remark (44 chars)

   Welcome Home to this great 3bed 1 bath home!

8. 2024-01-11
   listed $149,900 Active 44-char remark

   Show marketing remark (44 chars)

   Welcome Home to this great 3bed 1 bath home!

9. 2022-07-17
   price $1,350
10. 2021-09-17
    soldstatus $61,900 Closed 362-char remark

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

11. 2021-09-17
    soldstatus $61,900

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

12. 2021-08-19
    status Pending 362-char remark

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

13. 2021-08-17
    price $69,900 362-char remark

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

14. 2021-08-03
    price $79,900 362-char remark

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

15. 2021-07-12
    listed $85,000 Active 362-char remark

    Show marketing remark (362 chars)

    * Property is currently tenant occupied, photos used are prior to tenants move in out of respect for the tenants privacy * This 3 bedroom 1 bath townhome in Steelton is the perfect place to call home or the perfect place to have an investment property. Property is currently tenant occupied with a rental rate of $850/month with the tenant paying all utilities.

16. 2012-07-30
    soldstatus $65,000
17. 2012-06-27
    soldstatus $44,000
18. 1995-07-27
    soldstatus $34,000
19. 1991-04-04
    soldstatus $29,500

ⓘ 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: $1,944 · $162/mo
• Projected year-2 tax: $2,180 · $182/mo
• Expected delta: +$236/yr (+$20/mo · 12.1%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,138
• − Mortgage interest: −$8,565
• − Property taxes: −$1,944
• − Insurance: −$764
• − Repairs & maintenance: −$1,371
• − Management: −$1,371
• − Depreciation: −$4,448
• Taxable loss: −$1,326
• Est. tax savings @ 24.0%: +$318
• After-tax cash flow: $1,526/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: Steelton-Highspire SD
• NCES district ID: 4222800
• Math proficiency: 2% ▼ -4.00%
• Reading proficiency: 9% ▼ -12.00%
• Median HH income: $40,685
• Composite: 4.98/100
• National rank: #10040
• State rank: #538 of 539 in PA

Livability — Steelton

• Score: 67/100
• State rank: #971
• US rank: #10606

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Steelton, PA
• County: Dauphin County · 247,857 people
• City population: 19,401
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 11,724
• Household income: $68,244
• Rent vs Own: 37.6% rent · 62.4% own
• Severe rent burden: 338.0

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 0.67)
• Race & ethnicity: White 48% Hispanic / Latino 24% Black 22% Two or more races 19% Native American 2% Asian 2%
• Hispanic origin (detail): Mexican 7% Puerto Rican 11% Cuban 2%
• Common ancestry: Romanian 1% Lithuanian 1% Iranian 1%
• Foreign-born: 7% · Canada, India
• Languages at home: 80% English-only · Spanish 17% Other Indo-European 1% Russian/Polish/Slavic 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: ▼ -54.73%
• Current HPI: 281.6906
• Rent YoY: —
• 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

+418.3% since first listed

19 events — show timeline

• 2026-04-11 Pending — BRIGHT MLS
• 2026-04-04 Price Changed $152,900 BRIGHT MLS
• 2026-02-20 Listed $154,900 BRIGHT MLS
• 2026-02-17 Coming Soon $154,900 BRIGHT MLS
• 2024-03-01 Sold (Public Records) $145,000 Public Records
• 2024-03-01 Sold (MLS) $145,000 BRIGHT MLS
• 2024-01-24 Pending — BRIGHT MLS
• 2024-01-11 Listed $149,900 BRIGHT MLS
• 2022-07-17 Price Changed $1,350 RENT.
• 2021-09-17 Sold (Public Records) $61,900 Public Records
• 2021-09-17 Sold (MLS) $61,900 BRIGHT MLS
• 2021-08-19 Pending — BRIGHT MLS
• 2021-08-17 Price Changed $69,900 BRIGHT MLS
• 2021-08-03 Price Changed $79,900 BRIGHT MLS
• 2021-07-12 Listed $85,000 BRIGHT MLS
• 2012-07-30 Sold (Public Records) $65,000 Public Records
• 2012-06-27 Sold (Public Records) $44,000 Public Records
• 1995-07-27 Sold (Public Records) $34,000 Public Records
• 1991-04-04 Sold (Public Records) $29,500 Public Records

Property tax history

+1.2%/yr

Latest (2026): $1,944 · +7.2% YoY. Source: county tax records.