314 S 5th St · Apollo, PA 15613

$55,000

3 bd · 1.0 ba · 1,248 sqft · SingleFamily public records · 124 Days on market

Built 1890 4,617 sqft lot Est $97k · 43% 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
• Livability +3.5/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

good roof, windows. basement and exterior needs work Corporate addendums, taxes, lot size and assessment estimated

Key facts

• Off-street parking
• First-floor laundry
• Large storage shed

Tags

• FIRST-FLOOR LAUNDRY
• OFF-STREET PARKING
• LARGE STORAGE SHED

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $577 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $48k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#771 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.
• Apollo-Ridge SD (rural): math 23% / reading 45% proficiency, ranked #425 of 539 in PA (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Apollo-Ridge Elem Sch (math 24% / reading 52%, grade F, #990 of 1,518 statewide, top 66%, 513 students, 100% FRL); Apollo-Ridge Ms (math 12% / reading 40%, grade F, #412 of 512 statewide, top 81%, 274 students, 100% FRL); Apollo-Ridge Hs (math 62%, 286 students, 100% FRL) — zoned schools average 100% FRL vs 42% district-wide (58 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 61 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 58 units permitted in Armstrong County in 2024 (20 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $380 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Armstrong County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 124 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 24y 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 $6k; list at $55k implies a 900% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $48,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 124 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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.
8. 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.
9. 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: 2.33% ✓
• Cap rate: 18.88%
• Cash-on-cash: 44.96%
• DSCR: 3.00
• GRM: 3.6

CMA / ARV

• ARV (on-the-fly): $97,344
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
314 S 5th St	0.00mi	2/1.0 (-1)	1,248 (0%)	1mo	$50,000	$40	94
311 S 4th St	0.06mi	3/1.0	1,360 (+9%)	11mo	$106,000	$78	73
638 Rose St	0.26mi	3/2.5	1,311 (+5%)	9mo	$260,000	$198	66
615 Rose St	0.17mi	3/2.0	1,344 (+8%)	12mo	$204,000	$152	66
1680 Hancock Ave	0.60mi	3/2.0	1,268 (+2%)	8mo	$144,000	$114	59
107 Owens View Ave	0.49mi	3/2.0	1,176 (-6%)	8mo	$175,000	$149	57
404 N 10th St	0.65mi	3/1.0	1,352 (+8%)	4mo	$20,000	$15	53
141 Orr Ave	0.63mi	3/2.0	1,316 (+5%)	9mo	$266,000	$202	50
314 N 9th St	0.63mi	2/1.0 (-1)	1,184 (-5%)	10mo	$80,000	$68	49
402.5 N 10th St	0.65mi	3/1.0	1,114 (-11%)	5mo	$31,335	$28	47
4908 State Route 66	0.44mi	2/1.0 (-1)	1,092 (-12%)	22mo	$33,900	$31	36
505 N 6th St	0.45mi	3/1.5	1,066 (-15%)	24mo	$20,000	$19	33

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: 42.1%
• Equity multiple: 2.81×
• Total profit: $27,890
• Equity at exit: $8,201

10-year hold

• IRR: 48.2%
• Equity multiple: 5.66×
• Total profit: $71,825
• Equity at exit: $4,755

Cash invested: $15,400 (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 15613

• Home prices YoY: -14.8%
• Active inventory: 61
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $1,283 medium
• Mortgage (P&I): −$288
• Tax from tax record: −$125 /mo · $1,505/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$269
• Net cashflow: $577

Break-even live

Break-even rent $553

Max offer price $55,000

Occupancy floor 50%

Sensitivity live

Price	-10% $608	-5% $593	+0% $577	+5% $561	+10% $546
Rent	-10% $476	-5% $526	+0% $577	+5% $628	+10% $678
Rate	-1.0pp $605	-0.5pp $591	base $577	+0.5pp $563	+1.0pp $548

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: $13,750
• Closing costs: $1,650
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1005 Hancock Ave Vandergrift, PA	3.0	2.0	1400	$1,395	$1.00	19d	1	1.03mi
434 Mckinley Ave Vandergrift - WML, PA	1.0–2.0	1.0	933	$1,098	$1.18	3d	3	1.44mi

Listing history 11 events

1. 2026-04-19
   status Pending
2. 2026-03-25
   status Active
3. 2026-03-06
   historical Contingent
4. 2026-02-15
   status Active
5. 2026-01-05
   historical Contingent
6. 2025-12-16
   listed $55,000 Active
7. 2008-09-29
   soldstatus $5,500 114-char remark

   Show marketing remark (114 chars)

   good roof, windows. basement and exterior needs work Corporate addendums, taxes, lot size and assessment estimated

8. 2008-03-20
   listed $11,500 114-char remark

   Show marketing remark (114 chars)

   good roof, windows. basement and exterior needs work Corporate addendums, taxes, lot size and assessment estimated

9. 2002-04-03
   soldstatus $19,900 87-char remark

   Show marketing remark (87 chars)

   good starter home, nice size rooms, priced to sell, first floor laundry, eat in kitchen

10. 2002-02-21
    listed $19,900 87-char remark

    Show marketing remark (87 chars)

    good starter home, nice size rooms, priced to sell, first floor laundry, eat in kitchen

11. 1982-03-26
    soldstatus $15,000

ⓘ 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: $1,505 · $125/mo
• Projected year-2 tax: $1,505 · $125/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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,398
• − Mortgage interest: −$3,081
• − Property taxes: −$1,505
• − Insurance: −$275
• − Repairs & maintenance: −$1,232
• − Management: −$1,232
• − Depreciation: −$1,600
• Taxable income: $6,474
• Est. tax owed @ 24.0%: −$1,554
• After-tax cash flow: $5,370/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: Apollo-Ridge SD
• NCES district ID: 4202550
• Math proficiency: 23% ▼ -14.00%
• Reading proficiency: 45% ▼ -19.00%
• Median HH income: $43,741
• Composite: 28.83/100
• National rank: #6654
• State rank: #425 of 539 in PA

Livability — Apollo

• Score: 70/100
• State rank: #771
• US rank: #7781

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Apollo, PA
• Population (ZIP): 12,732

Population outlook (Armstrong County) Hauer SSP2

• Today (2025): 62,513 people
• By 2030: 59,579 · -4.7%
• By 2040: 52,890 · -15.4%
• By 2050: 45,904 · -26.6%
• By 2075: 32,023 · -48.8%
• By 2100: 20,415 · -67.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 3%
• Common ancestry: Romanian 7% Lithuanian 2% Iranian 2%
• Foreign-born: 1% · China, Canada, Jamaica
• Languages at home: 97% English-only · Spanish 1% Chinese 1%

Political lean MEDSL · Armstrong

• 2024 margin: Solid R (+53.2) · D 23.0% · R 76.2%
• 2008→2024 swing: -28.6pp toward R · 2008: -24.6pp · 2024: -53.2pp
• All cycles: 2024: R+53.2 2020: R+52.3 2016: R+52.0 2012: R+37.2 2008: R+24.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.35%
• Current HPI: 261.4891
• 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

+266.7% since first listed

11 events — show timeline

• 2026-04-19 Pending — West Penn MLS
• 2026-03-25 Relisted — West Penn MLS
• 2026-03-06 Contingent — West Penn MLS
• 2026-02-15 Relisted — West Penn MLS
• 2026-01-05 Contingent — West Penn MLS
• 2025-12-16 Listed $55,000 West Penn MLS
• 2008-09-29 Sold (MLS) $5,500 West Penn MLS
• 2008-03-20 Listed $11,500 West Penn MLS
• 2002-04-03 Sold (MLS) $19,900 West Penn MLS
• 2002-02-21 Listed $19,900 West Penn MLS
• 1982-03-26 Sold (Public Records) $15,000 Public Records

Property tax history

+1.5%/yr

Latest (2026): $1,505 · +3.6% YoY. Source: county tax records.