103 Railroad St · Windber, PA 15963

$72,500

3 bd · 1.0 ba · 1,561 sqft · SingleFamily public records · 10 Days on market

Built 1900 3,999 sqft lot Est $123k · 41% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.4/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Spacious 3 bdrm two story windber home, Large rooms throughout!! First floor bathroom, large sun porch, nice tiered back deck, detached 2 car garage

Key facts

• Sun porch
• Tiered back deck
• 3,999 sq ft lot

Tags

• SUN PORCH
• TIERED BACK DECK

Property features AI

Exterior

• Parking: Detached 2-car garage
• Utilities: Public water; Public sewer (sewer available)
• Home design: Two-story single family residence; Frame construction
• Construction: Frame construction; Two stories
• Exterior features: Shingle roof

Interior

• Bathrooms: Two full bathrooms
• Heating & cooling: Baseboard heating; Oil heating
• Interior features: Unfinished basement; Basement present
• Laundry & utility: Laundry located in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $72k.

Deal economics

• At list price, monthly cash flow is $142 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $72k).

Location & tenants

• Location reads 72/100 on livability (#606 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: employment D, crime F, amenities F.
• Windber Area SD (suburban): math 45% / reading 60% proficiency, ranked #166 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 45 active listings in the ZIP; 78 units permitted in Somerset County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $501 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Somerset County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $72,500

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 1.95% ✓
• Cap rate: 16.27%
• Cash-on-cash: 35.63%
• DSCR: 2.59
• GRM: 4.3

CMA / ARV

• ARV (on-the-fly): $123,319
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
615 22nd St	0.30mi	3/1.0	1,572 (+1%)	8mo	$104,500	$66	78
2303 Cambria Ave	0.38mi	3/1.5	1,584 (+2%)	3mo	$70,000	$44	76
1210 Somerset Ave	0.34mi	3/2.0	1,500 (-4%)	2mo	$128,000	$85	72
2213 Jackson Ave	0.44mi	2/1.0 (-1)	1,482 (-5%)	2mo	$108,400	$73	65
2222 Jackson Ave	0.48mi	3/2.0	1,426 (-9%)	3mo	$112,000	$79	57
306 12th St	0.46mi	3/2.0	1,400 (-10%)	6mo	$92,000	$66	53
2208 Graham Ave	0.41mi	3/2.5	1,729 (+11%)	6mo	$164,900	$95	51
198 Pomroys Dr	0.60mi	3/2.0	1,455 (-7%)	9mo	$105,000	$72	49
401 8th St	0.67mi	3/1.5	1,644 (+5%)	11mo	$165,000	$100	48
309 12th St	0.47mi	4/2.0 (+1)	1,794 (+15%)	2mo	$30,000	$17	43
301 8th St	0.70mi	3/2.0	1,356 (-13%)	2mo	$160,000	$118	40
702 25th St	0.47mi	2/2.5 (-1)	1,352 (-13%)	10mo	$193,000	$143	36

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: -3.1%
• Equity multiple: 0.88×
• Total profit: $-2,372
• Equity at exit: $10,810

10-year hold

• IRR: 7.0%
• Equity multiple: 1.54×
• Total profit: $10,877
• Equity at exit: $6,268

Cash invested: $20,300 (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 15963

• Home prices YoY: -24.4%
• Active inventory: 45
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,416 medium
• Mortgage (P&I): −$380
• Tax from tax record: −$105 /mo · $1,262/yr
• Insurance: −$30
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $142

Break-even live

Break-even rent $1,235

Max offer price $72,500

Occupancy floor 85%

Sensitivity live

Price	-10% $183	-5% $163	+0% $142	+5% $122	+10% $101
Rent	-10% $30	-5% $86	+0% $142	+5% $198	+10% $254
Rate	-1.0pp $179	-0.5pp $161	base $142	+0.5pp $124	+1.0pp $104

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: $18,125
• Closing costs: $2,175
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-18
   days on market $72,500 Active 10 DOM
2. 2026-06-17
   days on market $72,500 Active 9 DOM
3. 2026-06-16
   days on market $72,500 Active 8 DOM
4. 2026-06-15
   days on market $72,500 Active 7 DOM
5. 2026-06-13
   days on market $72,500 Active 5 DOM
6. 2026-06-12
   days on market $72,500 Active 4 DOM
7. 2026-06-09
   remarks 148-char remark
8. 2026-06-09
   listed $72,500 Active 1 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: $1,262 · $105/mo
• Projected year-2 tax: $1,262 · $105/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 7/10 Severe FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥91°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,987
• − Mortgage interest: −$4,061
• − Property taxes: −$1,262
• − Insurance: −$5,888
• − Repairs & maintenance: −$1,359
• − Management: −$1,359
• − Depreciation: −$2,109
• Taxable income: $949
• Est. tax owed @ 24.0%: −$228
• After-tax cash flow: $1,480/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: Windber Area SD
• NCES district ID: 4226610
• Math proficiency: 45% ▼ -14.00%
• Reading proficiency: 60% ▼ -13.00%
• Median HH income: $36,802
• Composite: 43.54/100
• National rank: #2985
• State rank: #166 of 539 in PA

Livability — Windber

• Score: 72/100
• State rank: #606
• US rank: #5843

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Windber, PA
• Population (ZIP): 10,383

Population outlook (Somerset County) Hauer SSP2

• Today (2025): 71,318 people
• By 2030: 68,555 · -3.9%
• By 2040: 62,447 · -12.4%
• By 2050: 56,437 · -20.9%
• By 2075: 44,453 · -37.7%
• By 2100: 32,408 · -54.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Hispanic / Latino 3% Two or more races 2%
• Common ancestry: Romanian 17% Slovak 3% Iranian 3%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Somerset

• 2024 margin: Solid R (+57.2) · D 21.0% · R 78.3%
• 2008→2024 swing: -32.2pp toward R · 2008: -25.0pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+56.3 2016: R+55.9 2012: R+42.9 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.99%
• Current HPI: 142.2017
• Rent YoY: —
• Metro: —
• 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

1 event — show timeline

• 2026-06-08 Listed $72,500 CSMLS

Property tax history

+4.6%/yr

Latest (2026): $1,262 · +4.8% YoY. Source: county tax records.