111 Harlem Ave · McKees Rocks, PA 15136

$129,900

3 bd · 2.0 ba · 1,776 sqft · SingleFamily public records · 53 Days on market

Built 1928 1,799 sqft lot Est $147k · 12% 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 +24.2/30.0
• ARV discount +12.8/15.0
• DSCR +7.8/10.0
• 1% rule +6.7/10.0
• Rent growth +5.0/5.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

Key facts

• On the bus line
• Bonus room
• Solid brick box

Tags

• SOLID BRICK BOX
• ON THE BUS LINE
• FULLY RENTED
• TURNKEY INVESTMENT
• BONUS ROOM
• BOTH UNITS HAVE A PORCH

Property features AI

Finance

• Financial info: Two-unit property with reported rents: one unit at $1,129 and the other at $1,152

Exterior

• Parking: On-street parking
• Utilities: Electricity available; Natural gas available; Sewer available; Water available
• Home design: Two-family zoning
• Construction: Brick construction
• Exterior features: On-street parking

Interior

• Bedrooms: One unit with 2 bedrooms; One unit with 1 bedroom
• Bathrooms: Each unit has 1 full bathroom
• Interior features: Public transportation access nearby

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $259 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $126k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 11.7% in McKees Rocks — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 82/100 on livability (#143 in PA, #1,154 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, employment F.
• Sto-Rox SD (suburban): math 4% / reading 18% proficiency, ranked #532 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 125 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $36k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y 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 $50k; list at $130k implies a 160% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1928 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $126,003 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1928 — 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. 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: 1.17% ✓
• Cap rate: 8.68%
• Cash-on-cash: 8.53%
• DSCR: 1.38
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $147,408
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
916 2nd St	0.51mi	4/2.0 (+1)	1,766 (-1%)	6mo	$90,000	$51	66
439 Alexander St	0.56mi	4/2.0 (+1)	1,750 (-2%)	3mo	$10,500	$6	64
67 Rosamond St	0.39mi	3/2.0	1,545 (-13%)	0mo	$128,000	$83	60
127 Amelia St	0.57mi	4/2.0 (+1)	1,625 (-8%)	1mo	$190,000	$117	54
334 Russellwood Ave	0.39mi	4/1.5 (+1)	1,616 (-9%)	7mo	$149,000	$92	54
500 Marwood Ave	0.31mi	3/2.0	2,040 (+15%)	9mo	$73,000	$36	53
1170 Dohrman St	0.39mi	3/2.0	1,521 (-14%)	7mo	$125,000	$82	52
747 Chartiers Ave	0.70mi	3/1.0	1,616 (-9%)	0mo	$105,000	$65	48
209 Greydon Ave	0.60mi	4/2.5 (+1)	1,660 (-6%)	8mo	$269,900	$163	48
557 Hillcrest Ave	0.68mi	3/2.5	1,610 (-9%)	4mo	$235,000	$146	47
211 Hester Ave	0.71mi	3/2.0	1,611 (-9%)	9mo	$225,000	$140	44
764 Mary St	0.62mi	4/2.0 (+1)	2,016 (+14%)	2mo	$66,500	$33	42

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 2.4%
• Equity multiple: 1.10×
• Total profit: $3,507
• Equity at exit: $19,369

10-year hold

• IRR: 16.5%
• Equity multiple: 2.68×
• Total profit: $61,059
• Equity at exit: $11,231

Cash invested: $36,372 (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 15136

• Home prices YoY: -30.4%
• Rents YoY: 13.1%
• Active inventory: 125
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,522 high
• Mortgage (P&I): −$681
• Tax from tax record: −$208 /mo · $2,498/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $259

Break-even live

Break-even rent $1,194

Max offer price $129,900

Occupancy floor 78%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
135 Dunn St Mc Kees Rocks, PA	3.0	2.0	1600	$1,599	$1.00	19d	1	0.11mi
22 Harlem Ave #1 McKees Rocks, PA	2.0	1.0	1944	$745	$0.38	21d	1	0.21mi
27 Highland Ave Mc Kees Rocks, PA	3.0	1.0	1488	$1,425	$0.96	23d	1	0.24mi
504 Fair Oaks St Mc Kees Rocks, PA	4.0	1.0	1480	$1,195	$0.81	23d	1	0.27mi
500 Marwood Ave Mc Kees Rocks, PA	3.0	2.0	2040	$1,600	$0.78	23d	1	0.30mi
500 Marwood Ave Unit NA McKees Rocks, PA	3.0	2.0	2040	$1,500	$0.74	23d	1	0.30mi
207 Singer Ave Mc Kees Rocks, PA	3.0	2.0	1728	$1,700	$0.98	43d	1	0.54mi
720 Mary St Mc Kees Rocks, PA	4.0	2.0	1800	$1,795	$1.00	7d	1	0.72mi
115 Meade Ave Pittsburgh, PA	4.0	1.0	1392	$1,600	$1.15	43d	1	1.47mi

Listing history 29 events

1. 2026-06-15
   status $129,900 Pending 53 DOM
2. 2026-06-13
   days on market $129,900 Contingent 53 DOM
3. 2026-06-09
   days on market $129,900 Contingent 49 DOM
4. 2026-06-08
   days on market $129,900 Contingent 48 DOM
5. 2026-06-07
   days on market $129,900 Contingent 47 DOM
6. 2026-06-05
   days on market $129,900 Contingent 44 DOM
7. 2026-06-03
   days on market $129,900 Contingent 43 DOM
8. 2026-06-02
   days on market $129,900 Contingent 42 DOM
9. 2026-06-01
   days on market $129,900 Contingent 41 DOM
10. 2026-05-31
    days on market $129,900 Contingent 40 DOM
11. 2026-05-18
    status Active
12. 2026-04-09
    status Pending
13. 2026-03-26
    historical Contingent
14. 2026-03-13
    listed $129,900 Active
15. 2016-03-04
    soldstatus $50,000

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

16. 2016-03-04
    soldstatus $50,000

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

17. 2016-03-04
    price $50,000 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

18. 2016-03-01
    soldstatus $50,000 Sold 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

19. 2016-01-28
    status Under Contract 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

20. 2016-01-28
    price $65,000 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

21. 2016-01-25
    historical Expired 192-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

22. 2015-07-09
    price $48,000 205-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

23. 2015-07-09
    price $65,000 205-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

24. 2015-07-09
    price $65,000 192-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

25. 2015-07-09
    price $48,000 192-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

26. 2015-05-13
    price $57,000 192-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

27. 2015-05-13
    price $57,000 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

28. 2015-04-19
    listed $65,000 Active 205-char remark

    Show marketing remark (205 chars)

    Conveniently located up and down duplex features spacious rooms throughout! Off street parking in rear. Additional parcel of property is located in rear of home across the alley is included with the sale.

29. 2015-04-10
    listed $65,000 Active 192-char remark

    Show marketing remark (192 chars)

    Conveniently located home features spacious rooms throughout! Off street parking in rear. Additional parcel located in rear of home included with the sale. Home being sold as a single family.

ⓘ 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: $2,498 · $208/mo
• Projected year-2 tax: $2,498 · $208/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 4/10 Moderate 7 d/yr ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,258
• − Mortgage interest: −$7,276
• − Property taxes: −$2,498
• − Insurance: −$650
• − Repairs & maintenance: −$1,461
• − Management: −$1,461
• − Depreciation: −$3,779
• Taxable income: $1,134
• Est. tax owed @ 24.0%: −$272
• After-tax cash flow: $2,830/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: Sto-Rox SD
• NCES district ID: 4222830
• Math proficiency: 4% ▼ -5.00%
• Reading proficiency: 18% ▼ -4.00%
• Median HH income: $30,268
• Composite: 8.51/100
• National rank: #9904
• State rank: #532 of 539 in PA

Livability — McKees Rocks

• Score: 82/100
• State rank: #143
• US rank: #1154

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Allegheny County · 1,022,028 people
• City population: 22,623
• Metro: Pittsburgh, PA
• Population (ZIP): 22,623
• Household income: $69,099
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 768.0

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 (75%)
• Race & ethnicity: White 75% Black 18% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 10% Subsaharan African 3% Scotch-Irish 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 1% Other Indo-European 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: ▼ -107.07%
• Current HPI: 244.6934
• Rent YoY: ▲ 13.12%
• 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

+99.8% since first listed

19 events — show timeline

• 2026-05-18 Relisted — West Penn MLS
• 2026-04-09 Pending — West Penn MLS
• 2026-03-26 Contingent — West Penn MLS
• 2026-03-13 Listed $129,900 West Penn MLS
• 2016-03-04 Sold (Public Records) $50,000 Public Records
• 2016-03-04 Sold (Public Records) $50,000 Public Records
• 2016-03-04 Price Changed $50,000 West Penn MLS
• 2016-03-01 Sold (MLS) $50,000 West Penn MLS
• 2016-01-28 Pending — West Penn MLS
• 2016-01-28 Price Changed $65,000 West Penn MLS
• 2016-01-25 Delisted — West Penn MLS
• 2015-07-09 Price Changed $65,000 West Penn MLS
• 2015-07-09 Price Changed $48,000 West Penn MLS
• 2015-07-09 Price Changed $48,000 West Penn MLS
• 2015-07-09 Price Changed $65,000 West Penn MLS
• 2015-05-13 Price Changed $57,000 West Penn MLS
• 2015-05-13 Price Changed $57,000 West Penn MLS
• 2015-04-19 Listed $65,000 West Penn MLS
• 2015-04-10 Listed $65,000 West Penn MLS

Property tax history

+2.2%/yr

Latest (2026): $2,498 · +4.0% YoY. Source: county tax records.