631 Dunkle St · Harrisburg, PA 17104

$104,999

3 bd · 1.0 ba · 1,372 sqft · SingleFamily public records · 68 Days on market

Built 1920 2,178 sqft lot $77/sqft · 14% below area Est $122k · 14% 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 +29.6/30.0
• ARV discount +13.7/15.0
• DSCR +10.0/10.0
• 1% rule +9.1/10.0
• Livability +4.2/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fix & Flip Alert — Strong Equity Potential in a Prime Location. Investors, take note. This semi-detached 3-bed, 1-bath home is priced to move and ready for your vision. The open floor plan — living room, dining room, galley kitchen, and first-floor den — offers a flexible canvas with solid bones. Important updates already done: vinyl replacement windows and forced air gas heat. Outside, a large deck leads to an oversized detached garage with separate storage — a rare and valuable addition. Located minutes from the Downtown Entertainment District, the Waterfront, and the Broad Street Market. The neighborhood is strong, the upside is real, and opportunities like this don’t sit long. Move fast. Make this Your Next Investment Today!

Key facts

• Large deck
• Open floor plan
• Separate storage

Tags

• OPEN FLOOR PLAN
• VINYL REPLACEMENT WINDOWS
• FORCED AIR GAS HEAT
• LARGE DECK
• OVERSIZED DETACHED GARAGE
• SEPARATE STORAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $378 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $99k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.6% vs local median 6.6% in Harrisburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 84/100 on livability (#107 in PA, #826 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, employment D, crime F.
• Harrisburg City SD (urban): math 6% / reading 13% proficiency, ranked #535 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.4%/yr); 67 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).
• This rent runs 38% of the median local income ($47k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.4% rent growth), your $29k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($99k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 23y ago; this cycle's ask has dropped $20k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $80k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $98,699 (6.0% below list)

Questions for the listing agent

1. It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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. 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: 1.41% ✓
• Cap rate: 10.61%
• Cash-on-cash: 15.43%
• DSCR: 1.69
• GRM: 5.9

CMA / ARV

• ARV (median comp): $121,843
• List price: $104,999
• Delta: -13.82%
• 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
1216 S 19th St	0.54mi	3/1.0	1,300 (-5%)	4mo	$198,000	$152	63
1809 Sycamore St	0.42mi	3/1.5	1,411 (+3%)	15mo	$215,000	$152	61
2444 Derry St	0.59mi	2/1.0 (-1)	1,416 (+3%)	2mo	$115,000	$81	60
2133 Rudy Rd	0.40mi	3/1.0	1,311 (-4%)	17mo	$210,000	$160	60
625 S 26th St	0.73mi	3/1.0	1,307 (-5%)	8mo	$180,000	$138	51
2009 Manada St	0.26mi	3/1.0	1,541 (+12%)	21mo	$125,000	$81	50
1121 S 19th St	0.42mi	3/1.5	1,562 (+14%)	7mo	$142,000	$91	49
1029 S 17th St	0.44mi	3/1.0	1,176 (-14%)	9mo	$170,000	$145	48
2301 Luce St	0.43mi	3/2.0	1,250 (-9%)	18mo	$199,900	$160	46
1725 Sycamore St	0.44mi	2/1.5 (-1)	1,173 (-14%)	7mo	$125,000	$107	42
1701 Sycamore St	0.46mi	3/1.5	1,534 (+12%)	19mo	$200,000	$130	41
633 S 26th St	0.73mi	3/1.0	1,459 (+6%)	21mo	$183,000	$125	38

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 · 4.43% rent growth · sell at horizon

5-year hold

• IRR: 7.9%
• Equity multiple: 1.32×
• Total profit: $9,285
• Equity at exit: $15,656

10-year hold

• IRR: 18.5%
• Equity multiple: 2.65×
• Total profit: $48,465
• Equity at exit: $9,078

Cash invested: $29,400 (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 17104

• Home prices YoY: -6.3%
• Rents YoY: 4.4%
• Active inventory: 67
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,480 high
• Mortgage (P&I): −$551
• Tax from tax record: −$197 /mo · $2,359/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $378

Break-even live

Break-even rent $1,001

Max offer price $104,999

Occupancy floor 69%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1728 Paxton St Harrisburg, PA	3.0	1.5	1320	$1,295	$0.98	14d	1	0.28mi
1615 Naudain St Harrisburg, PA	3.0	1.0	1148	$1,400	$1.22	44d	1	0.32mi
2016 Swatara St Harrisburg, PA	3.0	1.0	1380	$1,175	$0.85	44d	1	0.33mi
2121 Kensington St Harrisburg, PA	3.0	1.0	1088	$1,450	$1.33	44d	1	0.33mi
1610 Hunter St Harrisburg, PA	4.0	1.0	1776	$1,450	$0.82	23d	1	0.38mi
649 S 23rd St Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	21d	1	0.45mi
649 S 23rd St Unit 1 Harrisburg, PA	3.0	1.0	1450	$1,465	$1.01	44d	1	0.45mi
1429 Naudain St Harrisburg, PA	3.0	1.0	1254	$1,400	$1.12	23d	1	0.45mi
337 S 15th St Harrisburg, PA	3.0	1.0	1440	$1,195	$0.83	21d	1	0.51mi
349 S 14th St Harrisburg, PA	3.0	1.0	1544	$1,450	$0.94	23d	1	0.56mi
2410 Kensington St Harrisburg, PA	3.0	1.0	1024	$1,495	$1.46	44d	1	0.63mi
331 Hummel St Unit B Harrisburg, PA	3.0	1.0	1590	$1,800	$1.13	44d	1	0.69mi
331 Hummel St Unit A Harrisburg, PA	2.0	1.0	1590	$1,400	$0.88	44d	1	0.69mi
52 N 18th St Harrisburg, PA	3.0	1.0	1100	$1,250	$1.14	14d	1	0.82mi
1139 Mulberry St Harrisburg, PA	1.0–3.0	1.0	900	$1,185	$1.32	44d	1	0.88mi
1207 Market St Harrisburg, PA	4.0	1.5	1423	$1,995	$1.40	44d	1	0.93mi
1251 Bailey St Harrisburg, PA	3.0	1.0	1200	$1,500	$1.25	44d	1	0.93mi
1517 Walnut St Harrisburg, PA	3.0	1.0	1172	$1,150	$0.98	44d	1	0.94mi
21 Summit St Harrisburg, PA	3.0	1.0	1200	$1,550	$1.29	14d	1	0.99mi
200 S Court St Harrisburg, PA	1.0–3.0	1.0–2.5	950	$1,800	$1.89	14d	14	1.15mi
301 Chestnut St Harrisburg, PA	1.0–4.0	1.0–2.5	1437	$2,097	$1.46	44d	1	1.19mi
301 Chestnut St Harrisburg, PA	4.0	1.0–2.5	1437	$2,525	$1.76	14d	10	1.19mi
101 S 2nd St Harrisburg, PA	2.0	1.0	736	$1,749	$2.37	14d	32	1.23mi
319 Market St Harrisburg, PA	2.0	1.5	990	$1,135	$1.15	44d	1	1.28mi
3106 Hoffer St Unit 3106 Penbrook, PA	2.0	1.0	900	$1,675	$1.86	14d	1	1.28mi
589 Yale St Harrisburg, PA	2.0	2.0	911	$1,549	$1.70	14d	1	1.42mi
210 Walnut St Unit 206 Harrisburg, PA	2.0	1.0	1007	$1,695	$1.68	14d	1	1.45mi

Listing history 40 events

1. 2026-06-18
   days on market $104,999 Active 68 DOM
2. 2026-06-17
   days on market $104,999 Active 67 DOM
3. 2026-06-16
   remarks 549-char remark
4. 2026-06-16
   pricedays on market $104,999 Active 66 DOM
5. 2026-06-15
   days on market $109,950 Active 65 DOM
6. 2026-06-14
   days on market $109,950 Active 63 DOM
7. 2026-06-13
   days on market $109,950 Active 62 DOM
8. 2026-06-10
   days on market $109,950 Active 60 DOM
9. 2026-06-09
   days on market $109,950 Active 59 DOM
10. 2026-06-08
    days on market $109,950 Active 58 DOM
11. 2026-06-07
    days on market $109,950 Active 57 DOM
12. 2026-06-03
    days on market $109,950 Active 53 DOM
13. 2026-06-02
    days on market $109,950 Active 52 DOM
14. 2026-06-01
    days on market $109,950 Active 51 DOM
15. 2026-05-31
    days on market $109,950 Active 50 DOM
16. 2026-05-31
    days on market $109,950 Active 49 DOM
17. 2026-04-15
    price $119,999 774-char remark

    Show marketing remark (774 chars)

    Fix & Flip Alert — Strong Equity Potential in a Prime Location. Investors, take note. This semi-detached 3-bed, 1-bath home is priced to move and ready for your vision. The open floor plan — living room, dining room, galley kitchen, and first-floor den — offers a flexible canvas with solid bones. Important updates already done: vinyl replacement windows and forced air gas heat. Outside, a large deck leads to an oversized detached garage with separate storage — a rare and valuable addition. Located minutes from the Downtown Entertainment District, the Waterfront, and the Broad Street Market. The neighborhood is strong, the upside is real, and opportunities like this don’t sit long. Move fast. Make this Your Next Investment Today!

18. 2026-04-11
    listed $124,999 Active 774-char remark

    Show marketing remark (774 chars)

    Fix & Flip Alert — Strong Equity Potential in a Prime Location. Investors, take note. This semi-detached 3-bed, 1-bath home is priced to move and ready for your vision. The open floor plan — living room, dining room, galley kitchen, and first-floor den — offers a flexible canvas with solid bones. Important updates already done: vinyl replacement windows and forced air gas heat. Outside, a large deck leads to an oversized detached garage with separate storage — a rare and valuable addition. Located minutes from the Downtown Entertainment District, the Waterfront, and the Broad Street Market. The neighborhood is strong, the upside is real, and opportunities like this don’t sit long. Move fast. Make this Your Next Investment Today!

19. 2026-04-08
    soldstatus $80,000
20. 2026-03-31
    soldstatus $80,000 Closed 406-char remark

    Show marketing remark (406 chars)

    Investor alert in Harrisburg. This 3 bedroom half double with 2 car garage sits just minutes from downtown and offers strong potential for a savvy buyer looking for their next project or rental addition. Solid layout with great upside in a convenient location close to shopping, dining, and major routes. Cash buyers only. Opportunities like this move fast so schedule your showing today before it is gone.

21. 2026-03-17
    status Pending 406-char remark

    Show marketing remark (406 chars)

    Investor alert in Harrisburg. This 3 bedroom half double with 2 car garage sits just minutes from downtown and offers strong potential for a savvy buyer looking for their next project or rental addition. Solid layout with great upside in a convenient location close to shopping, dining, and major routes. Cash buyers only. Opportunities like this move fast so schedule your showing today before it is gone.

22. 2026-03-16
    listed $70,000 Active 406-char remark

    Show marketing remark (406 chars)

    Investor alert in Harrisburg. This 3 bedroom half double with 2 car garage sits just minutes from downtown and offers strong potential for a savvy buyer looking for their next project or rental addition. Solid layout with great upside in a convenient location close to shopping, dining, and major routes. Cash buyers only. Opportunities like this move fast so schedule your showing today before it is gone.

23. 2017-12-07
    soldstatus $64,900
24. 2017-11-30
    soldstatus $64,900
25. 2017-10-17
    historical
26. 2017-05-22
    listed $64,900
27. 2016-09-30
    historical
28. 2015-10-21
    listed $57,000
29. 2011-02-24
    soldstatus $81,000
30. 2011-02-15
    soldstatus $81,000
31. 2011-01-07
    historical
32. 2010-11-16
    listed $84,900
33. 2010-07-26
    soldstatus $31,250
34. 2010-07-07
    historical
35. 2010-04-28
    listed $34,900
36. 2003-11-13
    soldstatus $49,900
37. 2003-05-30
    soldstatus $25,000
38. 2003-04-10
    listed $27,000
39. 2003-04-10
    historical
40. 1995-06-06
    soldstatus $43,000

ⓘ 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: $2,359 · $197/mo
• Projected year-2 tax: $2,359 · $197/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 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,757
• − Mortgage interest: −$5,882
• − Property taxes: −$2,359
• − Insurance: −$525
• − Repairs & maintenance: −$1,421
• − Management: −$1,421
• − Depreciation: −$3,055
• Taxable income: $3,096
• Est. tax owed @ 24.0%: −$743
• After-tax cash flow: $3,793/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: Harrisburg City SD
• NCES district ID: 4211580
• Math proficiency: 6% ▼ -6.00%
• Reading proficiency: 13% ▼ -10.00%
• Median HH income: $33,432
• Composite: 7.6/100
• National rank: #9945
• State rank: #535 of 539 in PA

Livability — Harrisburg

• Score: 84/100
• State rank: #107
• US rank: #826

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harrisburg, PA
• County: Dauphin County · 247,857 people
• City population: 184,296
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 18,541
• Household income: $46,510
• Rent vs Own: 54.4% rent · 45.6% own
• Severe rent burden: 1166.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: Black 44% Hispanic / Latino 29% White 19% Two or more races 12% Asian 3% Native American 1%
• Hispanic origin (detail): Puerto Rican 21% Dominican 6%
• Common ancestry: Polish 1% Romanian 1% Slovak 1%
• Foreign-born: 10% · Canada, China, Vietnam
• Languages at home: 73% English-only · Spanish 21% Other Indo-European 1% Chinese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -22.83%
• Current HPI: 340.2808
• Rent YoY: ▲ 4.43%
• Metro: Harrisburg-Carlisle, 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

+179.1% since first listed

24 events — show timeline

• 2026-04-15 Price Changed $119,999 BRIGHT MLS
• 2026-04-11 Listed $124,999 BRIGHT MLS
• 2026-04-08 Sold (Public Records) $80,000 Public Records
• 2026-03-31 Sold (MLS) $80,000 BRIGHT MLS
• 2026-03-17 Pending — BRIGHT MLS
• 2026-03-16 Listed $70,000 BRIGHT MLS
• 2017-12-07 Sold (Public Records) $64,900 Public Records
• 2017-11-30 Sold (MLS) $64,900 BRIGHT MLS
• 2017-10-17 Listing Removed — BRIGHT MLS
• 2017-05-22 Listed $64,900 BRIGHT MLS
• 2016-09-30 Listing Removed — BRIGHT MLS
• 2015-10-21 Listed $57,000 BRIGHT MLS
• 2011-02-24 Sold (Public Records) $81,000 Public Records
• 2011-02-15 Sold (MLS) $81,000 BRIGHT MLS
• 2011-01-07 Listing Removed — BRIGHT MLS
• 2010-11-16 Listed $84,900 BRIGHT MLS
• 2010-07-26 Sold (MLS) $31,250 BRIGHT MLS
• 2010-07-07 Listing Removed — BRIGHT MLS
• 2010-04-28 Listed $34,900 BRIGHT MLS
• 2003-11-13 Sold (Public Records) $49,900 Public Records
• 2003-05-30 Sold (MLS) $25,000 BRIGHT MLS
• 2003-04-10 Listing Removed — BRIGHT MLS
• 2003-04-10 Listed $27,000 BRIGHT MLS
• 1995-06-06 Sold (Public Records) $43,000 Public Records

Property tax history

+1.0%/yr

Latest (2026): $2,359 · +1.7% YoY. Source: county tax records.