130 E 1st St · Everett, PA 15537

$135,000

3 bd · 1.0 ba · 1,428 sqft · SingleFamily public records · 135 Days on market

Built 1890 5,662 sqft lot $95/sqft · 19% below area Est $159k · 15% under ↓ 4% since listing

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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 +19.8/30.0
• ARV discount +14.4/15.0
• Appreciation +10.0/10.0
• DSCR +6.3/10.0
• 1% rule +4.6/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

It's time to make your dream of owning a Home Sweet Home a reality! This charming property features 3 large bedrooms, 1 full bath, and spacious living areas including an eat-in kitchen, a bonus den, and a cozy living room. Stay warm with forced air and a pellet stove. Enjoy sunny days on the wraparound front porch or take in the stunning views from the private deck. Perfectly located in the heart of Everett, you'll be close to downtown conveniences including grocery stores, pharmacies, and clothing stores and much more Everett fun!

Key facts

• Private deck
• Eat-in kitchen
• Bonus den

Tags

• EAT-IN KITCHEN
• BONUS DEN
• WRAPAROUND FRONT PORCH
• PRIVATE DECK

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $160 ($2k/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 $130k (3.7% below list).
• Recommended offer: $119k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#906 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A; Watch: amenities F, commute F, employment F.
• Everett Area SD (rural): math 32% / reading 52% proficiency, ranked #337 of 539 in PA (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Everett Area El Sch (math 31% / reading 53%, grade F, #883 of 1,518 statewide, top 61%, 435 students, 100% FRL); Everett Area Ms (math 18% / reading 48%, grade F, #346 of 512 statewide, top 69%, 293 students, 56% FRL); Everett Area Hs (math 72% / reading 75%, grade B+, #33 of 437 statewide, top 7%, 360 students, 35% FRL) — zoned schools average 64% FRL vs 46% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 62 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 54 units permitted in Bedford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($933 loan paydown + $14k appreciation (10.0% local appreciation)).
• Bedford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $38k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 135 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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: built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 8→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $118,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 135 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.96% ✗
• Cap rate: 7.72%
• Cash-on-cash: 5.08%
• DSCR: 1.23
• GRM: 8.7

CMA / ARV

• ARV (median comp): $159,320
• List price: $135,000
• Delta: -15.26%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
228 E 2nd St	0.07mi	2/1.0 (-1)	1,426 (-0%)	10mo	$132,000	$93	84
321 E Main St	0.25mi	3/1.0	1,458 (+2%)	17mo	$151,500	$104	71
37 W 3rd Ave	0.38mi	3/1.5	1,352 (-5%)	5mo	$125,000	$92	67
83 State St	0.33mi	3/1.0	1,302 (-9%)	4mo	$150,000	$115	66
208 W 5th Ave	0.50mi	3/2.0	1,416 (-1%)	10mo	$229,000	$162	62
22 N Juniata St	0.32mi	3/3.0	1,400 (-2%)	18mo	$205,000	$146	58
261 Hazelette St	0.71mi	3/2.5	1,433 (+0%)	9mo	$199,900	$139	53
14 W 2nd St	0.17mi	4/2.0 (+1)	1,637 (+15%)	8mo	$195,000	$119	52
255 Hillside St	0.44mi	4/2.0 (+1)	1,560 (+9%)	6mo	$149,900	$96	50
18 W South St	0.23mi	3/1.5	1,232 (-14%)	19mo	$160,000	$130	48
511 Main St W	0.64mi	3/1.0	1,628 (+14%)	17mo	$72,000	$44	33
511 W Main St	0.64mi	3/1.5	1,628 (+14%)	17mo	$72,000	$44	31

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.0%
• Equity multiple: 3.21×
• Total profit: $83,705
• Equity at exit: $121,619

10-year hold

• IRR: 24.4%
• Equity multiple: 7.31×
• Total profit: $238,434
• Equity at exit: $262,275

Cash invested: $37,800 (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 15537

• Home prices YoY: 17.3%
• Active inventory: 62
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$708
• Tax from tax record: −$103 /mo · $1,231/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $160

Break-even live

Break-even rent $1,097

Max offer price $135,000

Occupancy floor 83%

Sensitivity live

Price	-10% $237	-5% $198	+0% $160	+5% $122	+10% $84
Rent	-10% $57	-5% $109	+0% $160	+5% $212	+10% $263
Rate	-1.0pp $228	-0.5pp $195	base $160	+0.5pp $125	+1.0pp $90

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
172 Raystown Rd Everett, PA	3.0	1.0	1096	$1,300	$1.19	45d	1	1.15mi

Listing history 20 events

1. 2026-06-21
   days on market $135,000 Active 135 DOM
2. 2026-06-21
   days on market $135,000 Active 134 DOM
3. 2026-06-18
   days on market $135,000 Active 132 DOM
4. 2026-06-17
   days on market $135,000 Active 131 DOM
5. 2026-06-16
   days on market $135,000 Active 130 DOM
6. 2026-06-15
   days on market $135,000 Active 129 DOM
7. 2026-06-13
   days on market $135,000 Active 127 DOM
8. 2026-06-12
   days on market $135,000 Active 126 DOM
9. 2026-06-09
   days on market $135,000 Active 123 DOM
10. 2026-06-08
    days on market $135,000 Active 122 DOM
11. 2026-06-08
    days on market $135,000 Active 121 DOM
12. 2026-06-07
    days on market $135,000 Active 120 DOM
13. 2026-06-04
    days on market $135,000 Active 117 DOM
14. 2026-06-02
    days on market $135,000 Active 116 DOM
15. 2026-06-01
    days on market $135,000 Active 115 DOM
16. 2026-05-31
    days on market $135,000 Active 114 DOM
17. 2026-04-05
    price $135,000 537-char remark

    Show marketing remark (537 chars)

    It's time to make your dream of owning a Home Sweet Home a reality! This charming property features 3 large bedrooms, 1 full bath, and spacious living areas including an eat-in kitchen, a bonus den, and a cozy living room. Stay warm with forced air and a pellet stove. Enjoy sunny days on the wraparound front porch or take in the stunning views from the private deck. Perfectly located in the heart of Everett, you'll be close to downtown conveniences including grocery stores, pharmacies, and clothing stores and much more Everett fun!

18. 2026-04-05
    price $135,000 537-char remark

    Show marketing remark (537 chars)

    It's time to make your dream of owning a Home Sweet Home a reality! This charming property features 3 large bedrooms, 1 full bath, and spacious living areas including an eat-in kitchen, a bonus den, and a cozy living room. Stay warm with forced air and a pellet stove. Enjoy sunny days on the wraparound front porch or take in the stunning views from the private deck. Perfectly located in the heart of Everett, you'll be close to downtown conveniences including grocery stores, pharmacies, and clothing stores and much more Everett fun!

19. 2026-02-06
    listed $140,000 Active 537-char remark

    Show marketing remark (537 chars)

    It's time to make your dream of owning a Home Sweet Home a reality! This charming property features 3 large bedrooms, 1 full bath, and spacious living areas including an eat-in kitchen, a bonus den, and a cozy living room. Stay warm with forced air and a pellet stove. Enjoy sunny days on the wraparound front porch or take in the stunning views from the private deck. Perfectly located in the heart of Everett, you'll be close to downtown conveniences including grocery stores, pharmacies, and clothing stores and much more Everett fun!

20. 2026-02-05
    listed $140,000 Active 537-char remark

    Show marketing remark (537 chars)

    It's time to make your dream of owning a Home Sweet Home a reality! This charming property features 3 large bedrooms, 1 full bath, and spacious living areas including an eat-in kitchen, a bonus den, and a cozy living room. Stay warm with forced air and a pellet stove. Enjoy sunny days on the wraparound front porch or take in the stunning views from the private deck. Perfectly located in the heart of Everett, you'll be close to downtown conveniences including grocery stores, pharmacies, and clothing stores and much more Everett fun!

ⓘ 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: $1,231 · $103/mo
• Projected year-2 tax: $1,682 · $140/mo
• Expected delta: +$451/yr (+$38/mo · 36.6%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 8 d/yr ≥95°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,600
• − Mortgage interest: −$7,562
• − Property taxes: −$1,231
• − Insurance: −$675
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$3,927
• Taxable loss: −$292
• Est. tax savings @ 24.0%: +$70
• After-tax cash flow: $1,992/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: Everett Area SD
• NCES district ID: 4209360
• Math proficiency: 32% ▼ -10.00%
• Reading proficiency: 52% ▼ -9.00%
• Median HH income: $41,322
• Composite: 35.24/100
• National rank: #4979
• State rank: #337 of 539 in PA

Livability — Everett

• Score: 68/100
• State rank: #906
• US rank: #9719

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Everett, PA
• Population (ZIP): 8,272

Population outlook (Bedford County) Hauer SSP2

• Today (2025): 45,395 people
• By 2030: 43,353 · -4.5%
• By 2040: 38,858 · -14.4%
• By 2050: 34,162 · -24.7%
• By 2075: 24,868 · -45.2%
• By 2100: 16,910 · -62.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 6% Italian 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Bedford

• 2024 margin: Solid R (+68.6) · D 15.4% · R 84.0%
• 2008→2024 swing: -23.8pp toward R · 2008: -44.8pp · 2024: -68.6pp
• All cycles: 2024: R+68.6 2020: R+67.7 2016: R+67.4 2012: R+54.9 2008: R+44.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 37.19%
• Current HPI: 252.292
• 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

-3.6% since first listed

4 events — show timeline

• 2026-04-05 Price Changed $135,000 BRIGHT MLS
• 2026-04-05 Price Changed $135,000 AHARMLS
• 2026-02-06 Listed $140,000 BRIGHT MLS
• 2026-02-05 Listed $140,000 AHARMLS

Property tax history

+2.2%/yr

Latest (2026): $1,231 · +4.1% YoY. Source: county tax records.