4913 Havana St · Plum, PA 15239

$172,800

3 bd · 1.5 ba · 1,430 sqft · SingleFamily public records · 51 Days on market

Built 1970 7,405 sqft lot $121/sqft · 42% below area Est $235k · 26% under ↓ 20% 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).

• ARV discount +15.0/15.0
• Cash flow +7.6/30.0
• Schools +4.9/10.0
• Livability +3.6/5.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This lovely and well maintained multi-level home will check all the boxes! 3 bedrooms, Master bedroom with a half bath, CHECK! Eat-in kitchen AND a formal diningroom, Fully applianced throughout, CHECK! There's a finished family room tucked away from the rest of the house for privacy with a bar, ready for game weekends and game nights, CHECK! Oak Hardwood floors, and neutral painted walls throughout, CHECK! Easy access to outdoor grilling, CHECK! A backyard with deck, seating, gazebo, entertaining area, CHECK! A yard for parties, relaxing, already planted with amazing perennials, CHECK! Garage with plenty of storage and floored attic for more storage, CHECK! Curb appeal just like the other homes in the neighborhood, CHECK! Move-in ready, CHECK! A 1 year Home warranty, a gift from the seller, CHECK! 10 minutes from school, easy access to Golden Mile Highway, Monroeville shopping district, the parkway to the downtown Pittsburgh for events, and turnpike to the world, CHECK!

Key facts

• 7,405 sq ft lot
• Garage
• Built 1970

Property features AI

Exterior

• Parking: Attached garage (1 space)
• Utilities: Other water source; Other utility details
• Home design: Detached structure; Fee simple ownership; Above-grade finished living area approximately 1,134 (estimated)
• Construction: Other foundation details; Other other structures above grade; Year built (estimated)
• Exterior features: No tidal water

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Other heating; Other cooling; Other hot water
• Interior features: Basement present (other type)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $173k.

Deal economics

• At list price, monthly cash flow is $-205 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $137k (20.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $143k (17.0% below list).
• Recommended offer: $137k (20.9% below list) — sets the bar for cash-flow.
• Cap rate 4.9% vs local median 4.0% in Plum — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 71/100 on livability (#730 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Plum Borough SD (suburban): math 48% / reading 63% proficiency, ranked #91 of 539 in PA (top 17%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Plum Shs (math 72%, 1,226 students, 21% FRL) — zoned schools at 21% FRL track the district average.
• Market conditions: 84 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 2,996 units permitted in Allegheny County in 2024 (1,588 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.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($168k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 5y ago 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.

Recommended offer $136,633 (20.9% below list)

Questions for the listing agent

1. 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?
2. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-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?
6. 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?
7. 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.
8. 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.
9. 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: 0.83% ✗
• Cap rate: 4.87%
• Cash-on-cash: -5.08%
• DSCR: 0.77
• GRM: 10.0

CMA / ARV

• ARV (median comp): $234,774
• List price: $172,800
• Delta: -26.40%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
117 Nassau Dr	0.37mi	3/2.0	1,376 (-4%)	1mo	$283,750	$206	74
2289 Chapparal Dr	0.54mi	3/2.5	1,432 (+0%)	4mo	$319,000	$223	67
4928 Havana Dr	0.05mi	3/1.5	1,215 (-15%)	13mo	$239,900	$197	62
2240 Chapparal Dr	0.40mi	3/2.5	1,520 (+6%)	12mo	$286,500	$188	57
48 Samoa Dr	0.36mi	3/1.5	1,288 (-10%)	12mo	$255,000	$198	56
632 Tampico Ct	0.49mi	3/1.5	1,568 (+10%)	7mo	$285,000	$182	56
1 Mariah Dr	0.64mi	3/2.0	1,534 (+7%)	6mo	$267,000	$174	51
267 Great Smokey Dr	0.68mi	3/1.5	1,288 (-10%)	3mo	$287,000	$223	49
9 Meadow View Ct	0.72mi	3/2.5	1,476 (+3%)	10mo	$300,000	$203	48
161 Alcan Dr	0.55mi	4/1.5 (+1)	1,600 (+12%)	4mo	$126,500	$79	46
353 Holiday Park Dr	0.75mi	3/2.0	1,567 (+10%)	8mo	$200,000	$128	40
144 Alcan Dr	0.55mi	4/2.0 (+1)	1,230 (-14%)	7mo	$180,000	$146	38

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: -24.8%
• Equity multiple: 0.15×
• Total profit: $-40,931
• Equity at exit: $25,765

10-year hold

• IRR: -20.4%
• Equity multiple: -0.07×
• Total profit: $-51,986
• Equity at exit: $14,941

Cash invested: $48,384 (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 15239

• Active inventory: 84
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,434 medium
• Mortgage (P&I): −$906
• Tax from tax record: −$359 /mo · $4,311/yr
• Insurance: −$72
• HOA: −$0
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $-205

Break-even live

Break-even rent $1,693

Max offer price $136,633

Occupancy floor —

Sensitivity live

Price	-10% $-107	-5% $-156	+0% $-205	+5% $-254	+10% $-303
Rent	-10% $-318	-5% $-261	+0% $-205	+5% $-148	+10% $-91
Rate	-1.0pp $-118	-0.5pp $-161	base $-205	+0.5pp $-250	+1.0pp $-295

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: $43,200
• Closing costs: $5,184
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5014 Ozark Dr Pittsburgh, PA	3.0	1.5	1148	$1,150	$1.00	21d	1	0.30mi
101 Serenity Dr Plum, PA	1.0–2.0	1.0	893	$1,136	$1.27	18d	1	0.84mi
564 Carnival Dr Pittsburgh, PA	3.0	2.0	1257	$1,995	$1.59	46d	1	0.89mi
9153 Saltsburg Rd Pittsburgh, PA	4.0	1.0	1404	$815	$0.58	23d	1	1.28mi
80 Sandune Dr Pittsburgh, PA	3.0	1.0–2.5	1004	$2,250	$2.24	0d	1	1.38mi

Listing history 21 events

1. 2026-06-21
   days on market $172,800 Active 51 DOM
2. 2026-06-18
   days on market $172,800 Active 48 DOM
3. 2026-06-17
   days on market $172,800 Active 47 DOM
4. 2026-06-16
   days on market $172,800 Active 46 DOM
5. 2026-06-15
   days on market $172,800 Active 45 DOM
6. 2026-06-13
   days on market $172,800 Active 43 DOM
7. 2026-06-13
   days on market $172,800 Active 42 DOM
8. 2026-06-09
   days on market $172,800 Active 39 DOM
9. 2026-06-08
   days on market $172,800 Active 38 DOM
10. 2026-06-07
    days on market $172,800 Active 37 DOM
11. 2026-06-05
    days on market $172,800 Active 34 DOM
12. 2026-06-03
    days on market $172,800 Active 33 DOM
13. 2026-06-02
    days on market $172,800 Active 32 DOM
14. 2026-06-01
    days on market $172,800 Active 31 DOM
15. 2026-05-31
    days on market $172,800 Active 30 DOM
16. 2026-05-01
    listed $172,800 Active 576-char remark
17. 2021-11-24
    soldstatus $212,000
18. 2021-10-30
    status Pending 994-char remark

    Show marketing remark (994 chars)

    This lovely and well maintained multi-level home will check all the boxes! 3 bedrooms, Master bedroom with a half bath, CHECK! Eat-in kitchen AND a formal diningroom, Fully applianced throughout, CHECK! There's a finished family room tucked away from the rest of the house for privacy with a bar, ready for game weekends and game nights, CHECK! Oak Hardwood floors, and neutral painted walls throughout, CHECK! Easy access to outdoor grilling, CHECK! A backyard with deck, seating, gazebo, entertaining area, CHECK! A yard for parties, relaxing, already planted with amazing perennials, CHECK! Garage with plenty of storage and floored attic for more storage, CHECK! Curb appeal just like the other homes in the neighborhood, CHECK! Move-in ready, CHECK! A 1 year Home warranty, a gift from the seller, CHECK! 10 minutes from school, easy access to Golden Mile Highway, Monroeville shopping district, the parkway to the downtown Pittsburgh for events, and turnpike to the world, CHECK!

19. 2021-10-29
    soldstatus $212,000 Closed 994-char remark

    Show marketing remark (994 chars)

    This lovely and well maintained multi-level home will check all the boxes! 3 bedrooms, Master bedroom with a half bath, CHECK! Eat-in kitchen AND a formal diningroom, Fully applianced throughout, CHECK! There's a finished family room tucked away from the rest of the house for privacy with a bar, ready for game weekends and game nights, CHECK! Oak Hardwood floors, and neutral painted walls throughout, CHECK! Easy access to outdoor grilling, CHECK! A backyard with deck, seating, gazebo, entertaining area, CHECK! A yard for parties, relaxing, already planted with amazing perennials, CHECK! Garage with plenty of storage and floored attic for more storage, CHECK! Curb appeal just like the other homes in the neighborhood, CHECK! Move-in ready, CHECK! A 1 year Home warranty, a gift from the seller, CHECK! 10 minutes from school, easy access to Golden Mile Highway, Monroeville shopping district, the parkway to the downtown Pittsburgh for events, and turnpike to the world, CHECK!

20. 2021-09-20
    historical Contingent 994-char remark

    Show marketing remark (994 chars)

    This lovely and well maintained multi-level home will check all the boxes! 3 bedrooms, Master bedroom with a half bath, CHECK! Eat-in kitchen AND a formal diningroom, Fully applianced throughout, CHECK! There's a finished family room tucked away from the rest of the house for privacy with a bar, ready for game weekends and game nights, CHECK! Oak Hardwood floors, and neutral painted walls throughout, CHECK! Easy access to outdoor grilling, CHECK! A backyard with deck, seating, gazebo, entertaining area, CHECK! A yard for parties, relaxing, already planted with amazing perennials, CHECK! Garage with plenty of storage and floored attic for more storage, CHECK! Curb appeal just like the other homes in the neighborhood, CHECK! Move-in ready, CHECK! A 1 year Home warranty, a gift from the seller, CHECK! 10 minutes from school, easy access to Golden Mile Highway, Monroeville shopping district, the parkway to the downtown Pittsburgh for events, and turnpike to the world, CHECK!

21. 2021-09-10
    listed $215,000 Active 994-char remark

    Show marketing remark (994 chars)

    This lovely and well maintained multi-level home will check all the boxes! 3 bedrooms, Master bedroom with a half bath, CHECK! Eat-in kitchen AND a formal diningroom, Fully applianced throughout, CHECK! There's a finished family room tucked away from the rest of the house for privacy with a bar, ready for game weekends and game nights, CHECK! Oak Hardwood floors, and neutral painted walls throughout, CHECK! Easy access to outdoor grilling, CHECK! A backyard with deck, seating, gazebo, entertaining area, CHECK! A yard for parties, relaxing, already planted with amazing perennials, CHECK! Garage with plenty of storage and floored attic for more storage, CHECK! Curb appeal just like the other homes in the neighborhood, CHECK! Move-in ready, CHECK! A 1 year Home warranty, a gift from the seller, CHECK! 10 minutes from school, easy access to Golden Mile Highway, Monroeville shopping district, the parkway to the downtown Pittsburgh for events, and turnpike to the world, CHECK!

ⓘ 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: $4,311 · $359/mo
• Projected year-2 tax: $4,311 · $359/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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,206
• − Mortgage interest: −$9,679
• − Property taxes: −$4,311
• − Insurance: −$864
• − Repairs & maintenance: −$1,376
• − Management: −$1,376
• − Depreciation: −$5,027
• Taxable loss: −$5,429
• Est. tax savings @ 24.0%: +$1,303
• After-tax cash flow: $-1,154/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: Plum Borough SD
• NCES district ID: 4219350
• Math proficiency: 48% ▼ -13.00%
• Reading proficiency: 63% ▼ -16.00%
• Median HH income: $67,665
• Composite: 48.98/100
• National rank: #2073
• State rank: #91 of 539 in PA

Livability — Plum

• Score: 71/100
• State rank: #730
• US rank: #7292

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plum, PA
• City population: 21,414
• Population (ZIP): 21,414

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Black 3% Two or more races 3% Asian 1% Hispanic / Latino 1%
• Common ancestry: Romanian 7% Slovak 2% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Other Indo-European 1% Spanish 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -182.05%
• Current HPI: 236.4886
• 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

-19.6% since first listed

6 events — show timeline

• 2026-05-01 Listed $172,800 BRIGHT MLS
• 2021-11-24 Sold (Public Records) $212,000 Public Records
• 2021-10-30 Pending — West Penn MLS
• 2021-10-29 Sold (MLS) $212,000 West Penn MLS
• 2021-09-20 Contingent — West Penn MLS
• 2021-09-10 Listed $215,000 West Penn MLS

Property tax history

+4.5%/yr

Latest (2026): $4,311 · +1.4% YoY. Source: county tax records.