448 Wisconsin St · Monongahela, PA 15063

$19,900

2 bd · 1.0 ba · 1,148 sqft · SingleFamily public records · 52 Days on market

Built 1910 1,598 sqft lot $17/sqft · 85% below area ↓ 54% since listing

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

Key facts

• Solid roof structure
• Roof ventilation
• 1,598 sq ft lot

Tags

• INTERIOR FRENCH DRAIN SYSTEM
• ROOF VENTILATION
• RIDGE VENT INSTALLATION
• SOLID ROOF STRUCTURE

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Two-story; Resale property
• Construction: Asphalt roof
• Exterior features: Lot dimensions approximately 21 x 81 x 20 x 81

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Finished basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $20k.

Deal economics

• At list price, monthly cash flow is $882 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $20k).
• Recommended offer: $19k (3.0% below list) — sets the bar for market timing.
• Cap rate 59.5% vs local median 6.9% in Monongahela — 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 72/100 on livability (#629 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety D+, amenities F.
• Ringgold SD (suburban): math 19% / reading 36% proficiency, ranked #452 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 66 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $138 of loan paydown is wiped out by about $597 of value loss. Plan a longer hold.
• Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($19k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y ago; this cycle's ask has dropped $10k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $19,303 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 6.49% ✓
• Cap rate: 59.50%
• Cash-on-cash: 190.04%
• DSCR: 9.46
• GRM: 1.3

CMA / ARV

• ARV (median comp): $129,543
• List price: $19,900
• Delta: -84.64%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19 Hill St	0.13mi	2/1.0	1,107 (-4%)	0mo	$75,000	$68	88
560 E Main St	0.22mi	2/1.5	1,078 (-6%)	23mo	$155,000	$144	58
801 Maple Dr	0.56mi	3/1.5 (+1)	1,232 (+7%)	2mo	$220,000	$179	53
405 Grandview Ave	0.17mi	3/2.0 (+1)	1,053 (-8%)	20mo	$205,000	$195	52
214 Gee St	0.31mi	2/2.0	1,320 (+15%)	6mo	$61,800	$47	51
805 Maple Dr	0.58mi	3/1.0 (+1)	1,008 (-12%)	13mo	$67,500	$67	37

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 10.51×
• Total profit: $52,996
• Equity at exit: $2,967

10-year hold

• IRR: —
• Equity multiple: 22.28×
• Total profit: $118,594
• Equity at exit: $1,721

Cash invested: $5,572 (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 15063

• Home prices YoY: -6.9%
• Active inventory: 66
• Price-to-rent: 1.3×

Monthly cashflow live

• Estimated rent: $1,291 medium
• Mortgage (P&I): −$104
• Tax est. 1.5%: −$25 /mo · $298/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $882

Break-even live

Break-even rent $174

Max offer price $19,900

Occupancy floor 27%

Sensitivity live

Price	-10% $896	-5% $889	+0% $882	+5% $876	+10% $869
Rent	-10% $780	-5% $831	+0% $882	+5% $933	+10% $984
Rate	-1.0pp $892	-0.5pp $887	base $882	+0.5pp $877	+1.0pp $872

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: $4,975
• Closing costs: $597
• Reserves months: —
• Total cash needed: —

Listing history 27 events

1. 2026-06-18
   days on market $19,900 Active 52 DOM
2. 2026-06-17
   days on market $19,900 Active 51 DOM
3. 2026-06-16
   days on market $19,900 Active 50 DOM
4. 2026-06-15
   days on market $19,900 Active 49 DOM
5. 2026-06-13
   days on market $19,900 Active 47 DOM
6. 2026-06-13
   days on market $19,900 Active 46 DOM
7. 2026-06-09
   days on market $19,900 Active 43 DOM
8. 2026-06-08
   days on market $19,900 Active 42 DOM
9. 2026-06-07
   days on market $19,900 Active 41 DOM
10. 2026-06-05
    days on market $19,900 Active 38 DOM
11. 2026-06-03
    days on market $19,900 Active 37 DOM
12. 2026-06-02
    days on market $19,900 Active 36 DOM
13. 2026-06-02
    price $19,900 Active 35 DOM
14. 2026-06-01
    days on market $24,900 Active 35 DOM
15. 2026-05-31
    days on market $24,900 Active 34 DOM
16. 2026-05-11
    price $24,900 371-char remark
17. 2026-04-27
    listed $29,900 Active 371-char remark
18. 2017-03-31
    price $25,000 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

19. 2017-03-31
    soldstatus $25,000 Sold 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

20. 2017-03-31
    price $30,000 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

21. 2017-03-14
    historical Contingent 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

22. 2016-12-22
    price $30,000 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

23. 2016-09-19
    price $32,021 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

24. 2016-08-10
    price $35,921 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

25. 2016-07-13
    price $38,021 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

26. 2016-06-07
    listed $42,921 Active 219-char remark

    Show marketing remark (219 chars)

    NEW LISTING!!!! 3 BEDROOM 2 STORY HOME IN MONONGAHELA. THIS HOME IS IN MOVE IN CONDITION IT HAS ALL BEEN FRESHLY PAINTED. WOULD BE A PERFECT STARTER HOME CHEAPER THAN RENT!!! WOULD ALSO MAKE A PERFECT RENTAL PROPERTY.

27. 2010-07-12
    listed $42,900

    Show marketing remark (207 chars)

    3 Bedroom 2 story that's ready to move in. Eat-in kitchen, formal dining room, fresh paint. Large front and rear porches. Full basement with outside access. Small yard with various shrubbery. Priced to Sell!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 19 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

Taxation est. · year 1

• Rental income: $15,493
• − Mortgage interest: −$1,115
• − Property taxes: −$298
• − Insurance: −$100
• − Repairs & maintenance: −$1,239
• − Management: −$1,239
• − Depreciation: −$579
• Taxable income: $10,922
• Est. tax owed @ 24.0%: −$2,621
• After-tax cash flow: $7,968/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: Ringgold SD
• NCES district ID: 4220400
• Math proficiency: 19% ▼ -20.00%
• Reading proficiency: 36% ▼ -18.00%
• Median HH income: $46,754
• Composite: 23.75/100
• National rank: #7819
• State rank: #452 of 539 in PA

Livability — Monongahela

• Score: 72/100
• State rank: #629
• US rank: #6064

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Monongahela, PA
• City population: 10,479
• Population (ZIP): 10,479

Population outlook (Washington County) Hauer SSP2

• Today (2025): 208,060 people
• By 2030: 207,168 · -0.4%
• By 2040: 202,738 · -2.6%
• By 2050: 195,269 · -6.1%
• By 2075: 175,588 · -15.6%
• By 2100: 145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Romanian 9% Slovak 4% Scotch-Irish 3%
• Foreign-born: 2% · Vietnam, Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

• 2024 margin: Strong R (+25.5) · D 36.9% · R 62.4%
• 2008→2024 swing: -20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
• All cycles: 2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -19.31%
• Current HPI: 261.0334
• 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

-53.6% since first listed

13 events — show timeline

• 2026-06-02 Price Changed $19,900 West Penn MLS
• 2026-05-11 Price Changed $24,900 West Penn MLS
• 2026-04-27 Listed $29,900 West Penn MLS
• 2017-03-31 Price Changed $25,000 West Penn MLS
• 2017-03-31 Sold (MLS) $25,000 West Penn MLS
• 2017-03-31 Price Changed $30,000 West Penn MLS
• 2017-03-14 Contingent — West Penn MLS
• 2016-12-22 Price Changed $30,000 West Penn MLS
• 2016-09-19 Price Changed $32,021 West Penn MLS
• 2016-08-10 Price Changed $35,921 West Penn MLS
• 2016-07-13 Price Changed $38,021 West Penn MLS
• 2016-06-07 Listed $42,921 West Penn MLS
• 2010-07-12 Listed $42,900 West Penn MLS

Property tax history

+7.4%/yr

Latest (2026): $1,849 · +7.7% YoY. Source: county tax records.