159 Roundtop Cir · East Huntingdon, 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 2/10 · Minimal
- Est. fire insurance / yr
- $511 – $949
Heat risk 3/10 · Minor
- Hot days now (above 96°F)
- 7 days/yr
- Hot days in 30 yrs
- 17 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +10.9/30.0
- 1% rule +9.2/10.0
- Appreciation +4.4/10.0
- Condition / age +4.0/5.0
- Schools +3.4/10.0
- DSCR +3.2/10.0
- Rent growth +2.5/5.0
- Livability +2.5/5.0
- ARV discount +0.0/15.0
$85,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks
Brand new 2026 manufactured home offering the perfect blend of modern style, comfort, and smart efficiency! Step inside to an inviting open-concept layout featuring a stunning kitchen with sleek finishes, energy-efficient appliances, and plenty of space to entertain. Spacious bedrooms, ample storage, and thoughtfully designed living areas make everyday life both functional and comfortable. Outside, the stylish exterior delivers eye-catching curb appeal and low-maintenance living that today’s buyers are looking for. Move-in ready and built for today’s lifestyle — affordable homes like this don’t stay available for long.
Key facts
- Stunning kitchen
- Stylish exterior
- Open-concept layout
Tags
Property features AI
Finance
- HOA & community: Association fee $400 per month
Exterior
- Parking: Off-street parking for 2 vehicles
- Utilities: Public water; Public sewer; Electric service
- Home design: Single-story; New construction
- Construction: Vinyl siding; Asphalt roof; New construction
- Exterior features: Public water; Public sewer
Interior
- Kitchen: Dishwasher; Microwave; Refrigerator; Stove; Some electric appliances
- Flooring: Vinyl
- Bathrooms: 2 full bathrooms
- Heating & cooling: Electric forced-air heating
- Interior features: Vinyl flooring
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $85k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-37 ($-440/yr) — negative.
- To cash-flow at today's rent, offer at most $80k (6.2% below list).
- Meets the 1% rule at list price ($1k rent vs $85k).
- Recommended offer: $80k (6.2% below list) — sets the bar for cash-flow.
Location & tenants
- Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
- Southmoreland SD (suburban): math 29% / reading 51% proficiency, ranked #359 of 539 in PA (top 67%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: 22 active listings in the ZIP; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-1.2%/yr); year-one equity from $588 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
- Westmoreland County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
Negotiation context
- It's been on market 38 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 33% of rent.
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 38 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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
- 1.42% ✓
- Cap rate
- 5.78%
- Cash-on-cash
- -1.85%
- DSCR
- 0.92
- GRM
- 5.9
CMA / ARV
- ARV (median comp)
- $70,003
- List price
- $85,000
- Delta
- 21.42%
- Verdict
- OVERPRICED
- Comps
- 1 within 2.0 mi
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 152 Roundtop Cir | 0.08mi | 3/2.0 | 1,152 (+1%) | 11mo | $75,900 | $66 | 85 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-1.25% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -9.4%
- Equity multiple
- 0.60×
- Total profit
- $-9,447
- Equity at exit
- $19,480
- IRR
- -2.0%
- Equity multiple
- 0.82×
- Total profit
- $-4,232
- Equity at exit
- $19,583
Cash invested: $23,800 (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 15683
- Home prices YoY
- -0.4%
- Active inventory
- 22
- Price-to-rent
- 5.9×
Monthly cashflow live
- Estimated rent
- $1,203 medium interval (Pro) →
- Mortgage (P&I)
- −$446
- Tax est. 1.5%
- −$106 /mo · $1,275/yr
- Insurance
- −$35
- HOA
- −$400
- Vacancy / Maint / Mgmt
- −$253
- Net cashflow
- $-37
Break-even live
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
- $21,250
- Closing costs
- $2,550
- 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.
HOA detail
- Monthly dues
- $400 · $4,800/yr
Listing history 15 events
-
2026-06-18days on market $85,000 Active 38 DOM
-
2026-06-17days on market $85,000 Active 37 DOM
-
2026-06-16days on market $85,000 Active 36 DOM
-
2026-06-15days on market $85,000 Active 35 DOM
-
2026-06-13days on market $85,000 Active 33 DOM
-
2026-06-12days on market $85,000 Active 32 DOM
-
2026-06-09days on market $85,000 Active 29 DOM
-
2026-06-08days on market $85,000 Active 28 DOM
-
2026-06-08days on market $85,000 Active 27 DOM
-
2026-06-07days on market $85,000 Active 26 DOM
-
2026-06-04days on market $85,000 Active 23 DOM
-
2026-06-02days on market $85,000 Active 22 DOM
-
2026-06-01days on market $85,000 Active 21 DOM
-
2026-05-31days on market $85,000 Active 20 DOM
-
2026-05-11$85,000 Active 655-char remark
ⓘ 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 2/10 Low
- Heat 3/10 Moderate 7 d/yr ≥96°F today · 17 d/yr by 30 yrs out
- Wind 2/10 Low
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 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
- $14,442
- − Mortgage interest
- −$4,761
- − Property taxes
- −$1,275
- − Insurance
- −$425
- − Repairs & maintenance
- −$1,155
- − Management
- −$1,155
- − HOA
- −$4,800
- − Depreciation
- −$2,473
- Taxable loss
- −$1,603
- Est. tax savings @ 24.0%
- +$385
- After-tax cash flow
- $-55/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.
Condition & rehab AI · 10 photos
This move-in ready manufactured home offers a modern and functional interior with a stylish exterior, making it an attractive option for both buyers and renters.
Value-add opportunities
- Both Painting the exterior siding — Enhances curb appeal and can increase both resale and rental value.
- Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value.
- Both Adding a small front porch — Can increase both resale and rental value by adding a welcoming entryway.
Renovation cost estimate screening
Value-add ROI direction
- Both Painting the exterior siding — Enhances curb appeal and can increase both resale and rental value. ↑
- Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value. ↑
- Both Adding a small front porch — Can increase both resale and rental value by adding a welcoming entryway. ↑
ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.
Schools (NCES district)
- District
- Southmoreland SD
- NCES district ID
- 4222410
- Math proficiency
- 29% ▼ -26.00%
- Reading proficiency
- 51% ▼ -19.00%
- Median HH income
- $43,274
- Composite
- 33.76/100
- National rank
- #5368
- State rank
- #359 of 539 in PA
Livability — East Huntingdon
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Population (ZIP)
- 7,855
Population outlook (Westmoreland County) Hauer SSP2
- Today (2025)
- 342,555 people
- By 2030
- 331,717 · -3.2%
- By 2040
- 304,976 · -11.0%
- By 2050
- 277,444 · -19.0%
- By 2075
- 224,607 · -34.4%
- By 2100
- 171,084 · -50.1%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (92%)
- Race & ethnicity
- White 92% Two or more races 6% Asian 1%
- Common ancestry
- Romanian 7% Lithuanian 2% Slovak 1%
- Foreign-born
- 1% · Vietnam
- Languages at home
- 98% English-only · Spanish 1% Vietnamese 1%
Political lean MEDSL · Westmoreland
- 2024 margin
- Strong R (+28.4) · D 35.4% · R 63.9%
- 2008→2024 swing
- -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
- All cycles
- 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -1.25%
- Current HPI
- 284.1099
- 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
1 event — show timeline
- 2026-05-11 Listed $85,000 West Penn MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…