151 Post Office Ave · Blandburg, PA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $511 – $949
Heat risk 2/10 · Minimal
- Hot days now (above 89°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the F 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).
- ARV discount +7.5/15.0
- Appreciation +5.0/10.0
- Schools +4.2/10.0
- Livability +3.2/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Cash flow +0.0/30.0
- 1% rule +0.0/10.0
- DSCR +0.0/10.0
$175,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.
Key facts
- Newer furnace
- Remodeled kitchen
- Large living room
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a ?-bed/3.0-bath townhouse listed at $175k.
Deal economics
- At list price, monthly cash flow is $-1k ($-13k/yr) — negative.
- Rent doesn't cover operating costs at any purchase price — skip.
- Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 63/100 on livability (#1,309 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D, employment D, amenities F.
- Glendale SD (rural): math 39% / reading 62% proficiency, ranked #195 of 539 in PA (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Market conditions: 6 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).
Forward outlook
- In year one you build about $6k of equity ($1k loan paydown + $5k appreciation (3.0% local appreciation)).
- Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- By year 6, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 330 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 10y ago; this cycle's ask is 9% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
- Current owner paid $14k; list at $175k implies a 1150% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- 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?
- It's been on market 330 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- 0.00% ✗
- Cap rate
- -1.10%
- Cash-on-cash
- -26.41%
- DSCR
- -0.18
- GRM
- 0.0
CMA / ARV
No comps found within radius.
Projected returns pro-forma
3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -16.7%
- Equity multiple
- 0.03×
- Total profit
- $-47,682
- Equity at exit
- $78,688
- IRR
- -9.3%
- Equity multiple
- -0.50×
- Total profit
- $-73,570
- Equity at exit
- $121,267
Cash invested: $49,000 (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
ZIP-level market 16619
- Active inventory
- 6
Monthly cashflow live
- Estimated rent
- $0 none
- Mortgage (P&I)
- −$918
- Tax from tax record
- −$88 /mo · $1,053/yr
- Insurance
- −$73
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$0
- Net cashflow
- $-1,078
Break-even live
Sensitivity live
| Price | -10% $-979 | -5% $-1,029 | +0% $-1,078 | +5% $-1,128 | +10% $-1,177 |
|---|---|---|---|---|---|
| Rent | -10% $-1,078 | -5% $-1,078 | +0% $-1,078 | +5% $-1,078 | +10% $-1,078 |
| Rate | -1.0pp $-990 | -0.5pp $-1,034 | base $-1,078 | +0.5pp $-1,124 | +1.0pp $-1,170 |
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
- $43,750
- Closing costs
- $5,250
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 22 events
-
2026-06-19days on market $175,000 Active 330 DOM
-
2026-06-18days on market $175,000 Active 329 DOM
-
2026-06-17days on market $175,000 Active 328 DOM
-
2026-06-16days on market $175,000 Active 327 DOM
-
2026-06-15days on market $175,000 Active 326 DOM
-
2026-06-14days on market $175,000 Active 324 DOM
-
2026-06-13days on market $175,000 Active 323 DOM
-
2026-06-10days on market $175,000 Active 321 DOM
-
2026-06-09days on market $175,000 Active 320 DOM
-
2026-06-08days on market $175,000 Active 319 DOM
-
2026-06-07days on market $175,000 Active 318 DOM
-
2026-06-02days on market $175,000 Active 313 DOM
-
2026-06-01days on market $175,000 Active 312 DOM
-
2026-05-31days on market $175,000 Active 311 DOM
-
2026-05-30days on market $175,000 Active 310 DOM
-
2025-08-27price $175,000 774-char remark
Show marketing remark (774 chars)
This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.
-
2025-07-24price $179,900 774-char remark
Show marketing remark (774 chars)
This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.
-
2025-07-24$159,900 Active 774-char remark
Show marketing remark (774 chars)
This is currently a three unit apartment building but could also be a single family home with some changes. This property could be closed on and someone could be living here by the time that the holidays roll around! Would be perfect for cozy gatherings with the large space and having guests over. Large three unit apartment building with 1st floor used as owners residence. 1st floor contains remodeled kitchen, large living room, dining room, family room and 3 bedrooms. Second floor contains a two bedroom apartment and a 1 bedroom apartment; each with separate electric and baseboard heat. Newer furnace and propane generator. Owner has remodeled much of the building. Surrounded by State Game Lands, parks and 15 minutes from Price Gallitzin State Park and ATV trails.
-
2019-11-15soldstatus $14,000
-
2016-01-19$78,900
-
2001-06-21soldstatus $49,900
-
1996-12-01soldstatus $35,500
ⓘ 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
- $1,053 · $88/mo
- Projected year-2 tax
- $1,909 · $159/mo
- Expected delta
- +$856/yr (+$71/mo · 81.3%)
ⓘ 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 2/10 Low 7 d/yr ≥89°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $0
- − Mortgage interest
- −$9,803
- − Property taxes
- −$1,053
- − Insurance
- −$875
- − Repairs & maintenance
- −$0
- − Management
- −$0
- − Depreciation
- −$5,091
- Taxable loss
- −$16,822
- Est. tax savings @ 24.0%
- +$4,037
- After-tax cash flow
- $-8,903/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
- Glendale SD
- NCES district ID
- 4210830
- Math proficiency
- 39% ▼ -9.00%
- Reading proficiency
- 62% ▼ -3.00%
- Median HH income
- $37,869
- Composite
- 41.95/100
- National rank
- #3350
- State rank
- #195 of 539 in PA
Livability — Blandburg
- Score
- 63/100
- State rank
- #1309
- US rank
- #16092
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Blandburg, PA
- City population
- 315
- Population (ZIP)
- 315
Population outlook (Cambria County) Hauer SSP2
- Today (2025)
- 122,754 people
- By 2030
- 115,827 · -5.6%
- By 2040
- 101,309 · -17.5%
- By 2050
- 88,379 · -28.0%
- By 2075
- 65,237 · -46.9%
- By 2100
- 46,909 · -61.8%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (89%)
- Race & ethnicity
- White 89% Two or more races 8% Hispanic / Latino 4% Black 3%
- Common ancestry
- Subsaharan African 3% Romanian 2% Polish 1%
- Languages at home
- 99% English-only · Other Indo-European 1%
Political lean MEDSL · Cambria
- 2024 margin
- Solid R (+39.7) · D 29.8% · R 69.5%
- 2008→2024 swing
- -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
- All cycles
- 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- —
- Current HPI
- —
- 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 |
|
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| Insurance | 2 | $27B |
|
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| Telecommunications / Media | 1 | $124B |
|
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| Industrial Distribution | 1 | $22B |
|
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| Financial Services | 1 | $20B |
|
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| Chemicals / Materials | 1 | $18B |
|
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Price history
+393.0% since first listed7 events — show timeline
- 2025-08-27 Price Changed $175,000 AHARMLS
- 2025-07-24 Price Changed $179,900 AHARMLS
- 2025-07-24 Listed $159,900 AHARMLS
- 2019-11-15 Sold (MLS) $14,000 CSMLS
- 2016-01-19 Listed $78,900 AHARMLS
- 2001-06-21 Sold (Public Records) $49,900 Public Records
- 1996-12-01 Sold (Public Records) $35,500 Public Records
Property tax history
+2.1%/yrLatest (2026): $1,053 · +4.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…