4119 Nantucket Dr · Enola, PA 17050

$250,000

2 bd · 2.5 ba · 1,420 sqft · Townhouse public records · 14 Days on market

Built 1989 2,614 sqft lot Est $261k · at est. $92/mo HOA · 5% of rent

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Why this score? — see what drove the D 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 +11.0/30.0
• ARV discount +9.4/15.0
• Schools +5.6/10.0
• Livability +4.0/5.0
• DSCR +3.2/10.0
• 1% rule +3.1/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully kept brick ext townhome in Beaumont Square. 2nd fl incl: sitting rm w/ skylight & 2 BR ea w/ own bath. 1st fl open design offers gracious foyer, pdr rm, bright eat-in kitchen, dining/living rm combo, marble FP, glass doors to rear deck. Fullly equipped appliance pkg incl: ref, trash comp, washer & dryer. Full bsmt offers possibilities. AHS warr.

Key facts

• $92 HOA
• Built 1989
• Listed 14 days

Property features AI

Finance

• HOA & community: HOA fee $275 paid quarterly

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel; Natural gas heating fuel
• Home design: Interior townhouse/rowhouse; Above-grade finished area reported as 1,420; Below-grade unfinished area reported as 614
• Construction: Brick construction; Concrete perimeter foundation
• Exterior features: Not in a federal flood zone

Interior

• Bedrooms: Two bedrooms on the first upper level
• Bathrooms: Two full bathrooms; One half bathroom on the main level
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Electric hot water
• Interior features: Unfinished basement; Living area reported by assessor
• Laundry & utility: Laundry located on the main floor

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath townhouse listed at $250k.

Deal economics

• At list price, monthly cash flow is $-103 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (7.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $203k (18.6% below list).
• Recommended offer: $203k (18.6% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 3.4% in Enola — 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 79/100 on livability (#243 in PA, #2,077 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, commute D+, amenities F.
• Cumberland Valley SD (suburban): math 54% / reading 71% proficiency, ranked #52 of 539 in PA (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 13% free/reduced lunch — higher-income household profile.
• Zoned schools: Cumberland Valley Hs (math 66% / reading 24%, grade D-, #191 of 437 statewide, top 44%, 3,035 students, 25% FRL).
• Zoned-school proficiency averages 45% at this address vs 62% district-wide (-17 pts) — the specific schools serving this property underperform the Cumberland Valley SD average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.0%/yr); 339 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 1,052 units permitted in Cumberland County in 2024 (310 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 22y 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 $125k; list at $250k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $203,383 (18.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.81% ✗
• Cap rate: 5.80%
• Cash-on-cash: -1.77%
• DSCR: 0.92
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $261,280
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4226 Nantucket Dr	0.06mi	2/2.5	1,466 (+3%)	8mo	$260,000	$177	85
4186 Nantucket Dr	0.13mi	3/2.5 (+1)	1,496 (+5%)	7mo	$305,000	$204	74
4261 Nantucket Dr	0.11mi	2/2.5	1,336 (-6%)	17mo	$247,900	$186	71
1450 Timber Chase Dr	0.55mi	2/2.0	1,440 (+1%)	7mo	$236,500	$164	64
1486 Timber Chase Dr	0.58mi	3/2.5 (+1)	1,364 (-4%)	3mo	$257,000	$188	59
1510 Timber Chase Dr	0.63mi	2/2.0	1,415 (-0%)	12mo	$239,900	$170	58
1260 Timber View Dr	0.61mi	2/2.5	1,320 (-7%)	10mo	$251,000	$190	52
1286 Timber View Dr	0.62mi	3/2.5 (+1)	1,496 (+5%)	11mo	$274,900	$184	48
1462 Timber Brook Dr	0.63mi	3/2.5 (+1)	1,496 (+5%)	10mo	$286,000	$191	48
1451 Olde Oak Ct	0.71mi	2/2.0	1,338 (-6%)	11mo	$237,000	$177	46
1526 Tussey Ct	0.53mi	2/1.5	1,620 (+14%)	10mo	$247,500	$153	39
4165 Kittatinny Dr	0.54mi	2/1.5	1,620 (+14%)	18mo	$225,000	$139	32

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 · 1.99% rent growth · sell at horizon

5-year hold

• IRR: -20.3%
• Equity multiple: 0.30×
• Total profit: $-49,125
• Equity at exit: $37,276

10-year hold

• IRR: -15.8%
• Equity multiple: 0.15×
• Total profit: $-59,408
• Equity at exit: $21,615

Cash invested: $70,000 (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 17050

• Rents YoY: 2.0%
• Active inventory: 339
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,034 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$203 /mo · $2,436/yr
• Insurance: −$104
• HOA: −$92
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $-103

Break-even live

Break-even rent $2,165

Max offer price $231,727

Occupancy floor —

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5050 Mendenhall Dr Mechanicsburg, PA	3.0	4.0	1829	$2,475	$1.35	44d	1	0.97mi
99 Lee Ann Ct Enola, PA	3.0	2.5	1540	$1,995	$1.30	14d	1	1.09mi
2208 Gleim Ct Enola, PA	3.0	3.0	1418	$2,050	$1.45	44d	1	1.10mi
2340 Hadley Blvd Unit 405 Enola, PA	1.0	1.0	991	$1,703	$1.72	14d	1	1.45mi
2340 Hadley Blvd Unit 208 Enola, PA	2.0	2.0	1128	$1,750	$1.55	14d	1	1.45mi
2340 Hadley Blvd Unit 307 Enola, PA	3.0	2.0	1372	$2,076	$1.51	14d	1	1.45mi

HOA detail

• Monthly dues: $92 · $1,104/yr
• Likely covers: trash

Listing history 10 events

1. 2026-06-03
   statusdays on market $250,000 Pending 14 DOM
2. 2026-06-02
   days on market $250,000 Active 13 DOM
3. 2026-06-01
   days on market $250,000 Active 12 DOM
4. 2026-06-01
   price $250,000 Active 11 DOM
5. 2026-05-31
   days on market $255,000 Active 11 DOM
6. 2026-05-31
   days on market $255,000 Active 10 DOM
7. 2026-05-12
   listed $269,000 Active 373-char remark
8. 2004-12-30
   soldstatus $124,900 371-char remark

   Show marketing remark (371 chars)

   Beautifully kept brick ext townhome in Beaumont Square. 2nd fl incl: sitting rm w/ skylight & 2 BR ea w/ own bath. 1st fl open design offers gracious foyer, pdr rm, bright eat-in kitchen, dining/living rm combo, marble FP, glass doors to rear deck. Fullly equipped appliance pkg incl: ref, trash comp, washer & dryer. Full bsmt offers possibilities. AHS warr.

9. 2004-11-02
   listed $124,900 371-char remark

   Show marketing remark (371 chars)

   Beautifully kept brick ext townhome in Beaumont Square. 2nd fl incl: sitting rm w/ skylight & 2 BR ea w/ own bath. 1st fl open design offers gracious foyer, pdr rm, bright eat-in kitchen, dining/living rm combo, marble FP, glass doors to rear deck. Fullly equipped appliance pkg incl: ref, trash comp, washer & dryer. Full bsmt offers possibilities. AHS warr.

10. 1995-12-26
    soldstatus $91,500

ⓘ 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: $2,436 · $203/mo
• Projected year-2 tax: $3,193 · $266/mo
• Expected delta: +$757/yr (+$63/mo · 31.1%)

ⓘ 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 3/10 Moderate 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: $24,406
• − Mortgage interest: −$14,004
• − Property taxes: −$2,436
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,952
• − Management: −$1,952
• − HOA: −$1,104
• − Depreciation: −$7,273
• Taxable loss: −$5,565
• Est. tax savings @ 24.0%: +$1,336
• After-tax cash flow: $94/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: Cumberland Valley SD
• NCES district ID: 4207110
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 71% ▼ -7.00%
• Median HH income: $78,135
• Composite: 55.77/100
• National rank: #1218
• State rank: #52 of 539 in PA

Livability — Enola

• Score: 79/100
• State rank: #243
• US rank: #2077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cumberland County · 257,673 people
• City population: 17,648
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 43,571
• Household income: $113,720
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 535.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Asian 16% Two or more races 5% Hispanic / Latino 4% Black 1%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 16% · Canada, China, Vietnam
• Languages at home: 81% English-only · Other Indo-European 6% Other Asian/Pacific 5% Spanish 3%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.84%
• Current HPI: 241.7363
• Rent YoY: ▲ 1.99%
• 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

+173.2% since first listed

7 events — show timeline

• 2026-06-03 Pending — BRIGHT MLS
• 2026-06-01 Price Changed $250,000 BRIGHT MLS
• 2026-05-21 Listed $255,000 BRIGHT MLS
• 2026-05-19 Coming Soon $255,000 BRIGHT MLS
• 2004-12-30 Sold (MLS) $124,900 BRIGHT MLS
• 2004-11-02 Listed $124,900 BRIGHT MLS
• 1995-12-26 Sold (Public Records) $91,500 Public Records

Property tax history

+2.8%/yr

Latest (2026): $2,436 · +3.2% YoY. Source: county tax records.