315 S Enola Dr · East Pennsboro, PA 17025

$165,000

3 bd · 1.0 ba · 1,184 sqft · SingleFamily public records · 113 Days on market

Built 1900 4,356 sqft lot Est $224k · 26% under

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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 +21.6/30.0
• ARV discount +15.0/15.0
• DSCR +6.9/10.0
• 1% rule +5.3/10.0
• Rent growth +4.1/5.0
• Schools +3.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Great investment property or move in yourself! Home has replacement windows and large kitchen, 3 bedrooms upstairs, nice yard and street parking right outside your door.

Key facts

• Large kitchen
• Nice yard
• Replacement windows

Tags

• REPLACEMENT WINDOWS
• LARGE KITCHEN
• NICE YARD

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric service
• Home design: Semi-detached home; Good property condition; Fee simple ownership
• Construction: Vinyl siding; Shingle and rubber roofing; Stone and concrete perimeter foundation; Building winterized; Above-grade structures
• Exterior features: Not in a federal flood zone; Above-grade finished living space reported

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating (natural gas); Window cooling units (electric); Electric hot water
• Interior features: Basement present (daylight, partial; poured concrete; unfinished); Living area per assessor
• Laundry & utility: Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $251 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $165k).
• Recommended offer: $150k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL).
• Zoned-school proficiency averages 77% at this address vs 44% district-wide (+34 pts) — the actual schools serving this property are materially stronger than the East Pennsboro Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+6.5%/yr); 126 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 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 $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 6.5% rent growth), your $46k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 113 days — a 9% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Risks & watch-outs

• Watch-outs: built in 1900 — 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 $150,150 (9.0% below list)

Questions for the listing agent

1. It's been on market 113 days. Have you received any prior offers? Is the seller open to a 9% 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. 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.
6. 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.
7. 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: 1.03% ✓
• Cap rate: 8.12%
• Cash-on-cash: 6.53%
• DSCR: 1.29
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $223,776
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
25 Creekside Dr	0.23mi	3/1.5	1,215 (+3%)	7mo	$275,000	$226	77
6 E Beale Ave	0.11mi	3/2.0	1,120 (-5%)	13mo	$260,000	$232	71
11 Helen St	0.26mi	3/1.0	1,204 (+2%)	17mo	$237,000	$197	71
301 S Enola Rd	0.41mi	3/1.5	1,271 (+7%)	5mo	$156,000	$123	63
539 W Cumberland Rd	0.61mi	3/2.0	1,230 (+4%)	5mo	$270,000	$220	57
4 Birch St	0.42mi	3/2.0	1,275 (+8%)	13mo	$211,550	$166	52
2 Dulles Dr E	0.63mi	3/1.5	1,215 (+3%)	16mo	$210,000	$173	52
122 Creekside Dr	0.43mi	2/1.0 (-1)	1,056 (-11%)	10mo	$200,000	$189	49
418 State St	0.58mi	3/1.5	1,336 (+13%)	6mo	$225,000	$168	44
219 Center St	0.58mi	2/1.0 (-1)	1,056 (-11%)	9mo	$170,000	$161	43
1323 5th St	0.64mi	2/1.5 (-1)	1,314 (+11%)	8mo	$132,000	$100	38
102 Altoona Ave	0.75mi	2/1.0 (-1)	1,067 (-10%)	9mo	$202,000	$189	36

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: -2.6%
• Equity multiple: 0.90×
• Total profit: $-4,627
• Equity at exit: $24,602

10-year hold

• IRR: 10.5%
• Equity multiple: 1.94×
• Total profit: $43,449
• Equity at exit: $14,266

Cash invested: $46,200 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 126
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,694 high
• Mortgage (P&I): −$865
• Tax from tax record: −$153 /mo · $1,832/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $251

Break-even live

Break-even rent $1,376

Max offer price $165,000

Occupancy floor 80%

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7 Adams St Unit 08 Enola, PA	2.0	1.0	700	$1,300	$1.86	23d	1	0.05mi
3 Silk Mill Dr East Pennsboro Township, PA	2.0	1.0–2.0	1319	$1,822	$1.38	13d	8	0.76mi
400 W Crestwood Dr Camp Hill, PA	1.0–3.0	1.0–2.0	1042	$2,071	$1.99	13d	14	1.18mi
64 Queen Ave Enola, PA	2.0	1.5	1200	$1,495	$1.25	13d	1	1.19mi
150 Erford Rd Camp Hill, PA	1.0–2.0	1.5–2.0	879	$1,680	$1.91	13d	38	1.43mi

Listing history 5 events

1. 2026-04-30
   status Pending
2. 2026-01-07
   listed $165,000 Active
3. 2025-07-07
   historical
4. 2025-04-17
   listed $165,000 Active
5. 2025-04-10
   historical

ⓘ 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: $1,832 · $153/mo
• Projected year-2 tax: $2,220 · $185/mo
• Expected delta: +$387/yr (+$32/mo · 21.1%)

ⓘ 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 ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $20,327
• − Mortgage interest: −$9,243
• − Property taxes: −$1,832
• − Insurance: −$825
• − Repairs & maintenance: −$1,626
• − Management: −$1,626
• − Depreciation: −$4,800
• Taxable income: $375
• Est. tax owed @ 24.0%: −$90
• After-tax cash flow: $2,928/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — East Pennsboro

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

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: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• 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

+0.0% since first listed

5 events — show timeline

• 2026-04-30 Pending — BRIGHT MLS
• 2026-01-07 Listed $165,000 BRIGHT MLS
• 2025-07-07 Listing Removed — BRIGHT MLS
• 2025-04-17 Listed $165,000 BRIGHT MLS
• 2025-04-10 Coming Soon — BRIGHT MLS

Property tax history

+3.4%/yr

Latest (2026): $1,832 · +1.8% YoY. Source: county tax records.