384 Whittier Dr · Penn Hills, PA 15235

$129,900

4 bd · 1.5 ba · 1,200 sqft · SingleFamily public records · 43 Days on market

Built 1951 5,283 sqft lot $108/sqft · 12% below area Est $148k · 12% 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 +25.7/30.0
• ARV discount +13.0/15.0
• DSCR +8.6/10.0
• 1% rule +6.9/10.0
• Rent growth +4.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to this well maintained 4 bedroom, 1.5 bath home in the heart of Penn Hills. Featuring beautiful landscaping and great curb appeal, this property offers a warm and inviting feel from the moment you arrive. Inside, you’ll find spacious living areas filled with natural light, with hardwood floors hidden beneath the carpeting just waiting to be uncovered. The home has been thoughtfully cared for over the years and includes a newer roof and siding, both with transferable warranties for added peace of mind. Enjoy outdoor living on the large porch situated above the integral one car garage, overlooking the private backyard with mature trees and landscaping that create a peacefu

Key facts

• Newer roof
• Private backyard
• Newer siding

Tags

• SPACIOUS LIVING AREAS
• HARDWOOD FLOORS
• NEWER ROOF
• NEWER SIDING
• LARGE PORCH
• PRIVATE BACKYARD

Property features AI

Exterior

• Parking: Garage with automatic opener
• Utilities: Public water; Public sewer
• Home design: 2-story frame home; Asphalt roof; Resale property
• Construction: Frame construction; Asphalt roof
• Exterior features: Off-street parking

Interior

• Kitchen: Microwave; Refrigerator; Stove
• Flooring: Hardwood; Tile; Carpet
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Forced air heating (gas); Central air; Wall/window air conditioning units
• Interior features: Full walk-out basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $311 ($4k/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.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Penn Hills SD (suburban): math 13% / reading 24% proficiency, ranked #496 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+7.6%/yr); 129 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 + 7.6% 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 43 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $28k; list at $130k implies a 364% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1951 — 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 43 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 1951 — 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. 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.
5. 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.
6. 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: 1.19% ✓
• Cap rate: 9.16%
• Cash-on-cash: 10.25%
• DSCR: 1.46
• GRM: 7.0

CMA / ARV

• ARV (median comp): $147,888
• List price: $129,900
• Delta: -12.16%
• 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
741 Jefferson Rd	0.16mi	4/1.5	1,152 (-4%)	12mo	$68,000	$59	76
117 Clay Dr	0.28mi	3/2.0 (-1)	1,163 (-3%)	2mo	$194,000	$167	73
124 Lewis Dr	0.11mi	3/3.0 (-1)	1,318 (+10%)	7mo	$180,000	$137	62
833 Macbeth Dr	0.39mi	3/2.0 (-1)	1,250 (+4%)	8mo	$235,000	$188	61
105 Clay Dr	0.26mi	3/2.0 (-1)	1,080 (-10%)	7mo	$92,500	$86	58
670 Lougeay Rd	0.56mi	4/2.5	1,275 (+6%)	11mo	$240,000	$188	51
501 Hoover Rd	0.69mi	3/1.0 (-1)	1,126 (-6%)	3mo	$138,000	$123	48
393 Collins Dr	0.71mi	3/3.0 (-1)	1,238 (+3%)	5mo	$182,000	$147	46
1026 Evergreen	0.40mi	3/1.5 (-1)	1,362 (+14%)	11mo	$222,000	$163	45
380 Tall Tree Dr	0.67mi	4/2.0	1,341 (+12%)	7mo	$137,500	$103	41
383 Collins Dr	0.75mi	4/2.0	1,313 (+9%)	12mo	$197,500	$150	37
220 Idlewood Rd	0.61mi	3/1.0 (-1)	1,058 (-12%)	13mo	$146,000	$138	34

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 · 7.63% rent growth · sell at horizon

5-year hold

• IRR: 4.3%
• Equity multiple: 1.17×
• Total profit: $6,340
• Equity at exit: $19,369

10-year hold

• IRR: 17.8%
• Equity multiple: 2.80×
• Total profit: $65,304
• 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 15235

• Home prices YoY: -34.1%
• Rents YoY: 7.6%
• Active inventory: 129
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,551 high
• Mortgage (P&I): −$681
• Tax from tax record: −$180 /mo · $2,154/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$326
• Net cashflow: $311

Break-even live

Break-even rent $1,158

Max offer price $129,900

Occupancy floor 75%

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 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
717 Jefferson Rd Pittsburgh, PA	3.0	1.0	1152	$1,295	$1.12	14d	1	0.16mi
127 Stowe Dr Pittsburgh, PA	3.0	1.0	948	$1,495	$1.58	21d	1	0.16mi
753 Jefferson Rd Pittsburgh, PA	4.0	1.0	1152	$1,350	$1.17	4d	1	0.18mi
279 Hazel Rd Pittsburgh, PA	3.0	1.0	1080	$1,732	$1.60	44d	1	0.47mi
261 Universal Rd Unit 261UNIV Pittsburgh, PA	3.0	1.0	1100	$1,225	$1.11	3d	1	0.56mi
154 Collins Dr Pittsburgh, PA	3.0	1.0	986	$1,295	$1.31	2d	1	0.58mi
11843 Joan Dr Pittsburgh, PA	3.0	1.0	1144	$1,500	$1.31	4d	1	0.74mi
98 Stotler Rd Penn Hills, PA	2.0–3.0	1.0	1660	$1,400	$0.84	7d	3	0.90mi
1160 Jefferson Rd Pittsburgh, PA	3.0	1.0	1066	$1,295	$1.21	14d	1	0.95mi
150 Marshall Dr Pittsburgh, PA	3.0	1.5	923	$1,450	$1.57	24d	1	1.06mi
124 Dauntless Dr Pittsburgh, PA	3.0	1.0	1100	$1,395	$1.27	24d	1	1.09mi
175 Charleston Dr Pittsburgh, PA	3.0	2.0	1163	$1,799	$1.55	24d	1	1.09mi
209 Briarwood Dr Pittsburgh, PA	3.0	2.0	1080	$1,500	$1.39	24d	1	1.16mi
220 Briarwood Dr Pittsburgh, PA	3.0	1.0	869	$1,465	$1.69	14d	1	1.18mi
641 Penny Dr Pittsburgh, PA	3.0	1.5	1199	$1,525	$1.27	14d	1	1.21mi
131 Jacob Dr Pittsburgh, PA	3.0	1.0	1144	$2,300	$2.01	2d	1	1.36mi

Listing history 17 events

1. 2026-06-18
   price $129,900 Active 43 DOM
2. 2026-06-18
   days on market $149,900 Active 43 DOM
3. 2026-06-17
   days on market $149,900 Active 42 DOM
4. 2026-06-16
   days on market $149,900 Active 41 DOM
5. 2026-06-15
   days on market $149,900 Active 40 DOM
6. 2026-06-13
   days on market $149,900 Active 38 DOM
7. 2026-06-13
   days on market $149,900 Active 37 DOM
8. 2026-06-09
   days on market $149,900 Active 34 DOM
9. 2026-06-08
   days on market $149,900 Active 33 DOM
10. 2026-06-07
    days on market $149,900 Active 32 DOM
11. 2026-06-05
    days on market $149,900 Active 29 DOM
12. 2026-06-03
    days on market $149,900 Active 28 DOM
13. 2026-06-02
    days on market $149,900 Active 27 DOM
14. 2026-06-01
    days on market $149,900 Active 26 DOM
15. 2026-05-31
    days on market $149,900 Active 25 DOM
16. 2026-05-06
    listed $149,900 Active 834-char remark
17. 1977-05-23
    soldstatus $28,000

ⓘ 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: $2,154 · $180/mo
• Projected year-2 tax: $2,154 · $180/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 ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,616
• − Mortgage interest: −$7,276
• − Property taxes: −$2,154
• − Insurance: −$650
• − Repairs & maintenance: −$1,489
• − Management: −$1,489
• − Depreciation: −$3,779
• Taxable income: $1,779
• Est. tax owed @ 24.0%: −$427
• After-tax cash flow: $3,302/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: Penn Hills SD
• NCES district ID: 4218590
• Math proficiency: 13% ▼ -6.00%
• Reading proficiency: 24% ▼ -14.00%
• Median HH income: $47,794
• Composite: 16.42/100
• National rank: #9192
• State rank: #496 of 539 in PA

Livability — Penn Hills

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Allegheny County · 1,022,028 people
• City population: 28,332
• Metro: Pittsburgh, PA
• Population (ZIP): 33,951
• Household income: $67,240
• Rent vs Own: 25.2% rent · 74.8% own
• Severe rent burden: 955.0

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: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 51% Black 40% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Romanian 5% Serbian 2% Slovak 1%
• Foreign-born: 4% · Canada
• Languages at home: 97% English-only · Other Indo-European 1% Spanish 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: ▼ -121.68%
• Current HPI: 235.4861
• Rent YoY: ▲ 7.63%
• 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

+363.9% since first listed

3 events — show timeline

• 2026-06-18 Price Changed $129,900 West Penn MLS
• 2026-05-06 Listed $149,900 West Penn MLS
• 1977-05-23 Sold (Public Records) $28,000 Public Records

Property tax history

+1.9%/yr

Latest (2026): $2,154 · +0.0% YoY. Source: county tax records.