1113 Chestnut St · Monaca, PA 15061

$84,499

3 bd · 1.5 ba · 864 sqft · SingleFamily public records · 13 Days on market

Built 1950 5,227 sqft lot Est $91k · 7% under

---

Why this score? — see what drove the B 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 +27.5/30.0
• ARV discount +10.6/15.0
• DSCR +9.6/10.0
• 1% rule +9.0/10.0
• Schools +5.0/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

It's a cute & cozy 3-BR step saver ranch resting on a flat corner lot at the end of a quiet street in Monaca Heights! Corner windows lend interesting architectural appeal & tons of light to an eat-in-kitchen updated with classic maple cabinets. Original, solid hardwood floors (some exposed & some under carpet) flow throughout the main floor rooms - a feature sure to please many of today’s buyers. Nicely sized bedrooms with the master bedroom featuring 2 closets. A finished basement allows for additional living space. Sunny days & starry nights are enjoyed from an oversized 20X16 deck located off kitchen. Other features of the home are updated bath fixtures, new roof in 2019, 220 circuit breakers, glass block windows, integral garage & a rear yard view of woods. The location is central to just about EVERYTHING – with shopping, dining etc. within 2 miles, PGH airport 20 minutes, the new Shell plant less than 10 minutes and I376 less than 5 minutes this home is truly conveniently located!

Key facts

• Single level living
• Low maintenance lot
• Open concept layout

Tags

• LOW MAINTENANCE LOT
• SINGLE LEVEL LIVING
• CENTRAL FULL BATHROOM
• OPEN CONCEPT LAYOUT
• MASSIVE FULL BASEMENT
• MUNICIPAL PUBLIC WATER

Property features AI

Finance

• HOA & community: Public transportation access

Exterior

• Parking: Detached garage; Total 1 parking space
• Utilities: Public water; Public sewer
• Home design: Single-story home; Aluminum siding and brick exterior; Resale property
• Construction: Aluminum siding; Brick construction
• Exterior features: Public water; Public sewer; Lot approximately 0.12 acres (5,227 sq ft)

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Gas heating; Central air conditioning; Wall/window air unit(s)
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $84k.

Deal economics

• At list price, monthly cash flow is $249 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $84k).

Location & tenants

• Location reads 81/100 on livability (#182 in PA, #1,516 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, employment D-.
• Market conditions: 78 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 272 units permitted in Beaver County in 2024 (80 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $584 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Beaver County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 15y 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

• Watch-outs: property tax is 2.9% of price; built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $84,499

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 1.40% ✓
• Cap rate: 9.83%
• Cash-on-cash: 12.64%
• DSCR: 1.56
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $90,720
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1106 Bechtel St	0.22mi	2/1.0 (-1)	760 (-12%)	17mo	$80,000	$105	48
813 Speyer Ave	0.34mi	2/2.0 (-1)	960 (+11%)	17mo	$150,000	$156	45
716 Kaye Ave	0.35mi	2/1.0 (-1)	768 (-11%)	22mo	$62,500	$81	40

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: 2.5%
• Equity multiple: 1.10×
• Total profit: $2,254
• Equity at exit: $12,599

10-year hold

• IRR: 12.1%
• Equity multiple: 1.96×
• Total profit: $22,718
• Equity at exit: $7,306

Cash invested: $23,660 (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 15061

• Home prices YoY: -28.6%
• Active inventory: 78
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,182 medium
• Mortgage (P&I): −$443
• Tax from tax record: −$206 /mo · $2,473/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$248
• Net cashflow: $249

Break-even live

Break-even rent $866

Max offer price $84,499

Occupancy floor 74%

Sensitivity live

Price	-10% $297	-5% $273	+0% $249	+5% $225	+10% $201
Rent	-10% $156	-5% $202	+0% $249	+5% $296	+10% $342
Rate	-1.0pp $292	-0.5pp $271	base $249	+0.5pp $227	+1.0pp $205

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: $21,125
• Closing costs: $2,535
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
635 3rd Ave Freedom, PA	2.0	1.0	1050	$950	$0.90	2d	1	1.27mi
151 Milne Dr Monaca, PA	1.0–2.0	1.0–1.5	897	$1,100	$1.23	2d	3	1.34mi
243 Pennsylvania Ave Unit 1 Rochester, PA	2.0	1.0	1000	$1,100	$1.10	15d	1	1.40mi
230 W Madison St Unit 6 Rochester, PA	2.0	1.0	975	$1,100	$1.13	2d	1	1.48mi

Listing history 10 events

1. 2026-06-18
   days on market $84,499 Active 13 DOM
2. 2026-06-17
   days on market $84,499 Active 12 DOM
3. 2026-06-16
   days on market $84,499 Active 11 DOM
4. 2026-06-15
   days on market $84,499 Active 10 DOM
5. 2026-06-13
   days on market $84,499 Active 8 DOM
6. 2026-06-13
   days on market $84,499 Active 7 DOM
7. 2026-06-09
   days on market $84,499 Active 4 DOM
8. 2026-06-08
   days on market $84,499 Active 3 DOM
9. 2026-06-07
   remarks 699-char remark
10. 2026-06-07
    listed $84,499 Active 2 DOM

ⓘ 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: $2,473 · $206/mo
• Projected year-2 tax: $2,473 · $206/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,180
• − Mortgage interest: −$4,733
• − Property taxes: −$2,473
• − Insurance: −$422
• − Repairs & maintenance: −$1,134
• − Management: −$1,134
• − Depreciation: −$2,458
• Taxable income: $1,825
• Est. tax owed @ 24.0%: −$438
• After-tax cash flow: $2,552/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)

No district data.

Livability — Monaca

• Score: 81/100
• State rank: #182
• US rank: #1516

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monaca, PA
• County: Beaver County · 116,001 people
• City population: 12,413
• Metro: Pittsburgh, PA
• Population (ZIP): 12,413
• Household income: $73,010
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 123.0

Population outlook (Beaver County) Hauer SSP2

• Today (2025): 164,976 people
• By 2030: 161,449 · -2.1%
• By 2040: 151,752 · -8.0%
• By 2050: 141,155 · -14.4%
• By 2075: 118,142 · -28.4%
• By 2100: 91,740 · -44.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 5% Black 5% Hispanic / Latino 3%
• Common ancestry: Romanian 6% Serbian 3% Slovak 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Beaver

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -17.9pp toward R · 2008: -2.8pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+17.7 2016: R+20.1 2012: R+6.6 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -93.11%
• Current HPI: 232.6703
• Rent YoY: —
• Metro: Pittsburgh, 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

+550.0% since first listed

6 events — show timeline

• 2026-06-05 Listed $84,499 West Penn MLS
• 2021-07-30 Sold (MLS) $138,000 West Penn MLS
• 2021-04-16 Contingent — West Penn MLS
• 2021-04-10 Listed $135,000 West Penn MLS
• 2011-08-15 Listed $110,000 West Penn MLS
• 1964-11-01 Sold (Public Records) $13,000 Public Records

Property tax history

+3.5%/yr

Latest (2026): $2,473 · +4.3% YoY. Source: county tax records.