9926 Wigwam Trl · Pymatuning Central, PA 16424

$90,000

3 bd · 2.0 ba · 860 sqft · Manufactured · 34 Days on market

Built 2015 9,522 sqft lot $105/sqft · 30% below area Est $128k · 30% under $19/mo HOA · 1% of rent ↓ 25% since listing

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Why this score? — see what drove the A 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
• Appreciation +9.2/10.0
• Schools +4.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

Key facts

• Covered porch
• Gutter helmet system
• 2015 built home

Tags

• DEEDED ACCESS TO LAKE BETSY
• 2015 BUILT HOME
• SPLIT BEDROOM FLOOR PLAN
• DETACHED GARAGE
• GUTTER HELMET SYSTEM
• COVERED PORCH

Property features AI

Finance

• HOA & community: Annual association fee of $225

Exterior

• Parking: Detached garage; Off-street parking (total 1)
• Utilities: Public sewer; Well water
• Home design: Single-story home; Resale property
• Construction: Vinyl siding; Asphalt roof
• Exterior features: Lot dimensions approximately 60 x 145

Interior

• Kitchen: Kitchen (main level) — 12 x 14; Stove; Refrigerator; Dishwasher
• Bedrooms: Bedroom (main level) — 9 x 9; Bedroom (main level) — 8 x 12; Additional main-level bedroom — 10 x 10
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating (electric); Wall/window cooling units
• Interior features: Entry/foyer; Bonus room
• Laundry & utility: Laundry room (main level) — 5 x 6; Washer; Dryer; Some electric appliances

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $90k.

Deal economics

• At list price, monthly cash flow is $490 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $87k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#1,181 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment D+, health & safety D, schools F.
• Conneaut SD (rural): math 38% / reading 57% proficiency, ranked #241 of 539 in PA (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 53 active listings in the ZIP; 83 units permitted in Crawford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($622 loan paydown + $8k appreciation (8.5% local appreciation)).
• Crawford County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.5% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $87,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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 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?
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: 1.62% ✓
• Cap rate: 12.83%
• Cash-on-cash: 23.35%
• DSCR: 2.04
• GRM: 5.1

CMA / ARV

• ARV (median comp): $127,964
• List price: $90,000
• Delta: -29.67%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

8.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 39.3%
• Equity multiple: 3.82×
• Total profit: $71,160
• Equity at exit: $71,364

10-year hold

• IRR: 34.8%
• Equity multiple: 8.28×
• Total profit: $183,556
• Equity at exit: $144,606

Cash invested: $25,200 (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 16424

• Home prices YoY: 3.2%
• Active inventory: 53
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,461 medium
• Mortgage (P&I): −$472
• Tax from tax record: −$136 /mo · $1,626/yr
• Insurance: −$38
• HOA: −$19
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $490

Break-even live

Break-even rent $840

Max offer price $90,000

Occupancy floor 61%

Sensitivity live

Price	-10% $541	-5% $516	+0% $490	+5% $465	+10% $439
Rent	-10% $375	-5% $433	+0% $490	+5% $548	+10% $606
Rate	-1.0pp $536	-0.5pp $513	base $490	+0.5pp $467	+1.0pp $443

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: $22,500
• Closing costs: $2,700
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $19 · $228/yr

Listing history 24 events

1. 2026-06-17
   status $90,000 Pending 34 DOM

   Show marketing remark (1013 chars)

   Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

2. 2026-06-17
   days on market $90,000 Active 34 DOM

   Show marketing remark (1013 chars)

   Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

3. 2026-06-16
   days on market $90,000 Active 33 DOM
4. 2026-06-15
   days on market $90,000 Active 32 DOM
5. 2026-06-14
   days on market $90,000 Active 30 DOM
6. 2026-06-12
   days on market $90,000 Active 29 DOM
7. 2026-06-09
   days on market $90,000 Active 26 DOM
8. 2026-06-08
   days on market $90,000 Active 25 DOM
9. 2026-06-07
   days on market $90,000 Active 24 DOM
10. 2026-06-07
    pricedays on market $90,000 Active 23 DOM
11. 2026-06-03
    days on market $99,500 Active 20 DOM

    Show marketing remark (1013 chars)

    Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

12. 2026-06-03
    remarks 699-char remark

    Show marketing remark (1013 chars)

    Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

13. 2026-06-02
    days on market $99,500 Active 19 DOM
14. 2026-06-01
    days on market $99,500 Active 18 DOM
15. 2026-05-31
    days on market $99,500 Active 17 DOM
16. 2026-05-30
    days on market $99,500 Active 16 DOM
17. 2026-05-14
    listed $99,500 Active

    Show marketing remark (1013 chars)

    Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

18. 2026-05-14
    listed $99,500 Active

    Show marketing remark (1013 chars)

    Discover prime Crawford County real estate near Pymatuning Reservoir w/ this move-in ready, 2015-built lake area home. Situated on its own private lot w/ deeded access to quiet Lake Betsy, this well-maintained manufactured home offers an affordable, low-maintenance lifestyle for savvy buyers or weekenders. Both lakes offer phenomenal fishing just moments away from your front door. The inviting interior features a bright open floor plan w/ vaulted ceilings, creating an airy, spacious feel through the main living areas. A thoughtful split-bedroom layout ensures excellent privacy for the primary suite, situated away from the two guest rooms. This pre-inspected property comes mostly furnished for an easy transition. Practical exterior assets feature an ADA-accessible ramp, a detached garage for boat storage, Gutter Helmet system & a covered porch. Located minutes from Orchard Boat Launch, this Northwest Pennsylvania property delivers comfort & convenience in a peaceful neighborhood setting.

19. 2026-04-12
    price $99,999

    Show marketing remark (1060 chars)

    Experience lake area living in this 2015 home near Pymatuning Reservoir. This year-round residence offers a wonderful lifestyle on its own private land. The property is in great condition, and even comes mostly furnished, for a seamless transition for any buyer seeking a relaxing retreat. The open-concept interior feels spacious with vaulted ceilings & a natural flow from the kitchen to the inviting living spaces. A primary suite provides a peaceful setting, thoughtfully separated from two guest bedrooms for ultimate privacy. Step outside to a lovely covered porch or the detached garage. The home is also protected by a premium Gutter Helmet system. Enjoy deeded access to Lake Betsy for quiet afternoons of fishing, or take a short drive to Orchard Boat Launch for a laid back boating trip. This Crawford County home blends low-maintenance ownership w/ the natural beauty of Northwest Pennsylvania. A modest $225 annual HOA fee covers road and lake maintenance, as well as garbage. Experience a move-in ready sanctuary in a sought-after location.

20. 2026-04-12
    price $99,999 1060-char remark

    Show marketing remark (1060 chars)

    Experience lake area living in this 2015 home near Pymatuning Reservoir. This year-round residence offers a wonderful lifestyle on its own private land. The property is in great condition, and even comes mostly furnished, for a seamless transition for any buyer seeking a relaxing retreat. The open-concept interior feels spacious with vaulted ceilings & a natural flow from the kitchen to the inviting living spaces. A primary suite provides a peaceful setting, thoughtfully separated from two guest bedrooms for ultimate privacy. Step outside to a lovely covered porch or the detached garage. The home is also protected by a premium Gutter Helmet system. Enjoy deeded access to Lake Betsy for quiet afternoons of fishing, or take a short drive to Orchard Boat Launch for a laid back boating trip. This Crawford County home blends low-maintenance ownership w/ the natural beauty of Northwest Pennsylvania. A modest $225 annual HOA fee covers road and lake maintenance, as well as garbage. Experience a move-in ready sanctuary in a sought-after location.

21. 2026-03-10
    price $109,900

    Show marketing remark (1060 chars)

    Experience lake area living in this 2015 home near Pymatuning Reservoir. This year-round residence offers a wonderful lifestyle on its own private land. The property is in great condition, and even comes mostly furnished, for a seamless transition for any buyer seeking a relaxing retreat. The open-concept interior feels spacious with vaulted ceilings & a natural flow from the kitchen to the inviting living spaces. A primary suite provides a peaceful setting, thoughtfully separated from two guest bedrooms for ultimate privacy. Step outside to a lovely covered porch or the detached garage. The home is also protected by a premium Gutter Helmet system. Enjoy deeded access to Lake Betsy for quiet afternoons of fishing, or take a short drive to Orchard Boat Launch for a laid back boating trip. This Crawford County home blends low-maintenance ownership w/ the natural beauty of Northwest Pennsylvania. A modest $225 annual HOA fee covers road and lake maintenance, as well as garbage. Experience a move-in ready sanctuary in a sought-after location.

22. 2026-03-10
    price $109,900 1060-char remark

    Show marketing remark (1060 chars)

    Experience lake area living in this 2015 home near Pymatuning Reservoir. This year-round residence offers a wonderful lifestyle on its own private land. The property is in great condition, and even comes mostly furnished, for a seamless transition for any buyer seeking a relaxing retreat. The open-concept interior feels spacious with vaulted ceilings & a natural flow from the kitchen to the inviting living spaces. A primary suite provides a peaceful setting, thoughtfully separated from two guest bedrooms for ultimate privacy. Step outside to a lovely covered porch or the detached garage. The home is also protected by a premium Gutter Helmet system. Enjoy deeded access to Lake Betsy for quiet afternoons of fishing, or take a short drive to Orchard Boat Launch for a laid back boating trip. This Crawford County home blends low-maintenance ownership w/ the natural beauty of Northwest Pennsylvania. A modest $225 annual HOA fee covers road and lake maintenance, as well as garbage. Experience a move-in ready sanctuary in a sought-after location.

23. 2026-02-26
    listed $120,000 Active 1060-char remark

    Show marketing remark (1060 chars)

    Experience lake area living in this 2015 home near Pymatuning Reservoir. This year-round residence offers a wonderful lifestyle on its own private land. The property is in great condition, and even comes mostly furnished, for a seamless transition for any buyer seeking a relaxing retreat. The open-concept interior feels spacious with vaulted ceilings & a natural flow from the kitchen to the inviting living spaces. A primary suite provides a peaceful setting, thoughtfully separated from two guest bedrooms for ultimate privacy. Step outside to a lovely covered porch or the detached garage. The home is also protected by a premium Gutter Helmet system. Enjoy deeded access to Lake Betsy for quiet afternoons of fishing, or take a short drive to Orchard Boat Launch for a laid back boating trip. This Crawford County home blends low-maintenance ownership w/ the natural beauty of Northwest Pennsylvania. A modest $225 annual HOA fee covers road and lake maintenance, as well as garbage. Experience a move-in ready sanctuary in a sought-after location.

24. 2026-02-25
    listed $120,000 Active

ⓘ 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: $1,626 · $136/mo
• Projected year-2 tax: $1,626 · $136/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 2/10 Low 7 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,533
• − Mortgage interest: −$5,041
• − Property taxes: −$1,626
• − Insurance: −$450
• − Repairs & maintenance: −$1,403
• − Management: −$1,403
• − HOA: −$228
• − Depreciation: −$2,618
• Taxable income: $4,765
• Est. tax owed @ 24.0%: −$1,143
• After-tax cash flow: $4,740/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: Conneaut SD
• NCES district ID: 4206590
• Math proficiency: 38% ▼ -7.00%
• Reading proficiency: 57% ▼ -7.00%
• Median HH income: $43,946
• Composite: 40.06/100
• National rank: #3813
• State rank: #241 of 539 in PA

Livability — Pymatuning Central

• Score: 64/100
• State rank: #1181
• US rank: #13811

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,328

Population outlook (Crawford County) Hauer SSP2

• Today (2025): 81,399 people
• By 2030: 77,977 · -4.2%
• By 2040: 70,659 · -13.2%
• By 2050: 63,841 · -21.6%
• By 2075: 50,198 · -38.3%
• By 2100: 37,898 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · German/W. Germanic 3% Spanish 1%

Political lean MEDSL · Crawford

• 2024 margin: Solid R (+39.2) · D 30.0% · R 69.2%
• 2008→2024 swing: -28.8pp toward R · 2008: -10.4pp · 2024: -39.2pp
• All cycles: 2024: R+39.2 2020: R+37.2 2016: R+38.5 2012: R+19.6 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.48%
• Current HPI: 276.8388
• 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

-25.0% since first listed

12 events — show timeline

• 2026-06-17 Pending — GEBOR
• 2026-06-17 Pending — West Penn MLS
• 2026-06-03 Price Changed $90,000 GEBOR
• 2026-06-03 Price Changed $90,000 West Penn MLS
• 2026-05-14 Listed $99,500 West Penn MLS
• 2026-05-14 Listed $99,500 GEBOR
• 2026-04-12 Price Changed $99,999 GEBOR
• 2026-04-12 Price Changed $99,999 West Penn MLS
• 2026-03-10 Price Changed $109,900 GEBOR
• 2026-03-10 Price Changed $109,900 West Penn MLS
• 2026-02-26 Listed $120,000 West Penn MLS
• 2026-02-25 Listed $120,000 GEBOR

Property tax history

+13.4%/yr

Latest (2025): $1,626 · +0.0% YoY. Source: county tax records.