14 Maiden Ln · Susquehanna Depot, PA 18847

$125,000

3 bd · 2.0 ba · 1,440 sqft · Other · 247 Days on market

Built 1900 9,583 sqft lot

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Why this score? — see what drove the C 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 +20.0/30.0
• ARV discount +7.5/15.0
• Appreciation +7.5/10.0
• DSCR +6.3/10.0
• 1% rule +5.2/10.0
• Schools +3.3/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

You have to take a look at this one !. Fully renovated top to bottom. New roof, siding and landscaping. Inside walk into this modern interior home with NEW KITCHEN NEW HEATING & COOLING. New Bathrooms along with all new flooring. This property has so much to offer.

Key facts

• New kitchen
• New siding
• New landscaping

Tags

• NEW ROOF
• NEW SIDING
• NEW LANDSCAPING
• NEW KITCHEN
• NEW HEATING
• NEW COOLING

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $125k.

Deal economics

• At list price, monthly cash flow is $154 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#1,549 in PA) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+, housing B; Watch: schools F, amenities F, commute F.
• Susquehanna Community SD (rural): math 30% / reading 50% proficiency, ranked #364 of 539 in PA (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 45 active listings in the ZIP; 80 units permitted in Susquehanna County in 2024 (5 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($864 loan paydown + $6k appreciation (5.0% local appreciation)).
• Susquehanna County population projected at -30% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 247 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $56k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $5k; list at $125k implies a 2592% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $110,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 247 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 1900 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.02% ✓
• Cap rate: 7.77%
• Cash-on-cash: 5.27%
• DSCR: 1.23
• GRM: 8.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

5.01% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.4%
• Equity multiple: 2.10×
• Total profit: $38,664
• Equity at exit: $70,887

10-year hold

• IRR: 17.6%
• Equity multiple: 4.10×
• Total profit: $108,436
• Equity at exit: $122,383

Cash invested: $35,000 (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 18847

• Home prices YoY: 4.2%
• Active inventory: 45
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,270 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$142 /mo · $1,705/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $154

Break-even live

Break-even rent $1,076

Max offer price $125,000

Occupancy floor 83%

Sensitivity live

Price	-10% $225	-5% $189	+0% $154	+5% $118	+10% $83
Rent	-10% $53	-5% $104	+0% $154	+5% $204	+10% $254
Rate	-1.0pp $217	-0.5pp $186	base $154	+0.5pp $121	+1.0pp $88

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-17
   status $125,000 Pending 247 DOM
2. 2026-06-16
   days on market $125,000 Active 247 DOM
3. 2026-06-15
   days on market $125,000 Active 246 DOM
4. 2026-06-13
   days on market $125,000 Active 244 DOM
5. 2026-06-12
   days on market $125,000 Active 243 DOM
6. 2026-06-09
   days on market $125,000 Active 240 DOM
7. 2026-06-08
   days on market $125,000 Active 239 DOM
8. 2026-06-08
   days on market $125,000 Active 238 DOM
9. 2026-06-07
   days on market $125,000 Active 237 DOM
10. 2026-06-04
    days on market $125,000 Active 234 DOM
11. 2026-06-02
    days on market $125,000 Active 233 DOM
12. 2026-06-01
    status $125,000 Active 232 DOM
13. 2026-04-06
    status Pending
14. 2026-04-03
    status Active
15. 2026-03-31
    status Pending
16. 2026-03-22
    status Active
17. 2026-01-14
    soldstatus $4,644
18. 2026-01-01
    status Pending
19. 2025-12-16
    price $125,000
20. 2025-11-01
    status Active
21. 2025-10-31
    price $135,000
22. 2025-09-30
    price $145,000
23. 2025-09-02
    price $149,900
24. 2025-08-24
    status Active
25. 2025-08-03
    price $159,900
26. 2025-06-28
    price $170,000
27. 2025-05-23
    listed $180,500 Active
28. 2024-07-15
    soldstatus $4,644

ⓘ 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: $1,705 · $142/mo
• Projected year-2 tax: $1,840 · $153/mo
• Expected delta: +$135/yr (+$11/mo · 7.9%)

ⓘ 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 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,242
• − Mortgage interest: −$7,002
• − Property taxes: −$1,705
• − Insurance: −$625
• − Repairs & maintenance: −$1,219
• − Management: −$1,219
• − Depreciation: −$3,636
• Taxable loss: −$165
• Est. tax savings @ 24.0%: +$39
• After-tax cash flow: $1,885/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: Susquehanna Community SD
• NCES district ID: 4222980
• Math proficiency: 30% ▼ -17.00%
• Reading proficiency: 50% ▼ -10.00%
• Median HH income: $39,980
• Composite: 33.46/100
• National rank: #5458
• State rank: #364 of 539 in PA

Livability — Susquehanna Depot

• Score: 59/100
• State rank: #1549
• US rank: #20398

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Susquehanna Depot, PA
• Population (ZIP): 5,082

Population outlook (Susquehanna County) Hauer SSP2

• Today (2025): 37,552 people
• By 2030: 35,270 · -6.1%
• By 2040: 30,663 · -18.3%
• By 2050: 26,492 · -29.5%
• By 2075: 19,658 · -47.7%
• By 2100: 15,179 · -59.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2% Hispanic / Latino 1%
• Common ancestry: Romanian 5% Lithuanian 2% Iranian 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · German/W. Germanic 1%

Political lean MEDSL · Susquehanna

• 2024 margin: Solid R (+44.7) · D 27.2% · R 71.9%
• 2008→2024 swing: -33.0pp toward R · 2008: -11.7pp · 2024: -44.7pp
• All cycles: 2024: R+44.7 2020: R+41.2 2016: R+42.9 2012: R+21.4 2008: R+11.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.01%
• Current HPI: 124.2656
• 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

+0.0% since first listed

16 events — show timeline

• 2026-04-06 Pending — GSBR as distributed by MLS GRID
• 2026-04-03 Relisted — GSBR as distributed by MLS GRID
• 2026-03-31 Pending — GSBR as distributed by MLS GRID
• 2026-03-22 Relisted — GSBR as distributed by MLS GRID
• 2026-01-14 Sold (Public Records) $4,644 Public Records
• 2026-01-01 Pending — GSBR as distributed by MLS GRID
• 2025-12-16 Price Changed $125,000 GSBR as distributed by MLS GRID
• 2025-11-01 Relisted — GSBR as distributed by MLS GRID
• 2025-10-31 Price Changed $135,000 GSBR as distributed by MLS GRID
• 2025-09-30 Price Changed $145,000 GSBR as distributed by MLS GRID
• 2025-09-02 Price Changed $149,900 GSBR as distributed by MLS GRID
• 2025-08-24 Relisted — GSBR as distributed by MLS GRID
• 2025-08-03 Price Changed $159,900 GSBR as distributed by MLS GRID
• 2025-06-28 Price Changed $170,000 GSBR as distributed by MLS GRID
• 2025-05-23 Listed $180,500 GSBR as distributed by MLS GRID
• 2024-07-15 Sold (Public Records) $4,644 Public Records

Property tax history

+1.7%/yr

Latest (2026): $1,705 · +4.5% YoY. Source: county tax records.