4415 Guitner Rd · Marion, PA 17202

$179,000

4 bd · 1.0 ba · 1,387 sqft · Other · 15 Days on market

Built 1952 0.76 ac lot $129/sqft · 41% below area Est $305k · 41% 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 +22.7/30.0
• ARV discount +15.0/15.0
• DSCR +7.3/10.0
• 1% rule +5.8/10.0
• Schools +3.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

NICE CAPE COD HOME IN CHAMBERSBURG, PA! This home features 4 bedrooms and 1 full bathroom, along with a comfortable layout that includes a living room and an eat-in kitchen. Situated on 0.76± acres, the property offers plenty of space for outdoor activities, entertaining, and everyday enjoyment. Outside, you’ll find a paved driveway and a detached 2-car garage, providing ample parking and storage. Conveniently located just minutes from shopping, restaurants, and more, this home offers both comfort and convenience. Don’t miss your opportunity to make it your own! This property will be offered at auction on Monday, June 29, 2026, at 3:00PM. The List price in no way represen

Key facts

• 0.76 acre lot
• 2 garage spots
• Built 1952

Property features AI

Exterior

• Parking: Detached garage with 2 spaces; Driveway parking; Garage includes covered parking and additional storage area
• Utilities: Water source: Well; Sewer: Public sewer; Power/cooling fuel: Electric
• Home design: Detached structure
• Construction: Vinyl siding; Block foundation; Above grade and below grade structures
• Exterior features: No tidal water

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Two main-level bedrooms; Two upper-level bedrooms
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Forced air heat (oil fuel); Central air conditioning; Ductless / mini-split cooling; Cooling fuel: Electric
• Interior features: Estimated living area; Full, unfinished basement
• Laundry & utility: Hot water: Electric

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath other listed at $179k.

Deal economics

• At list price, monthly cash flow is $307 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $179k).
• Recommended offer: $176k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 2.6% in Marion — 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 63/100 on livability (#1,248 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A, employment B+; Watch: schools F, amenities F, commute F.
• Chambersburg Area SD (other): math 26% / reading 48% proficiency, ranked #383 of 539 in PA (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 224 active listings in the ZIP; 633 units permitted in Franklin County in 2024 (112 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 15 days — a 2% lower offer ($176k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $176,315 (1.5% below list)

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.08% ✓
• Cap rate: 8.35%
• Cash-on-cash: 7.36%
• DSCR: 1.33
• GRM: 7.7

CMA / ARV

• ARV (median comp): $304,626
• List price: $179,000
• Delta: -41.24%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -5.0%
• Equity multiple: 0.81×
• Total profit: $-9,414
• Equity at exit: $26,689

10-year hold

• IRR: 4.6%
• Equity multiple: 1.34×
• Total profit: $17,089
• Equity at exit: $15,477

Cash invested: $50,120 (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 17202

• Home prices YoY: -26.1%
• Active inventory: 224
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,939 medium
• Mortgage (P&I): −$939
• Tax from tax record: −$211 /mo · $2,531/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $307

Break-even live

Break-even rent $1,550

Max offer price $179,000

Occupancy floor 79%

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-19
   days on market $179,000 Active 15 DOM
2. 2026-06-18
   days on market $179,000 Active 14 DOM
3. 2026-06-17
   days on market $179,000 Active 13 DOM
4. 2026-06-16
   days on market $179,000 Active 12 DOM
5. 2026-06-15
   days on market $179,000 Active 11 DOM
6. 2026-06-14
   days on market $179,000 Active 9 DOM
7. 2026-06-12
   days on market $179,000 Active 8 DOM
8. 2026-06-09
   days on market $179,000 Active 5 DOM
9. 2026-06-08
   days on market $179,000 Active 4 DOM
10. 2026-06-07
    statusdays on market $179,000 Active 3 DOM
11. 2026-06-03
    days on market $179,000 Coming Soon 29 DOM
12. 2026-06-02
    days on market $179,000 Coming Soon 28 DOM
13. 2026-06-01
    days on market $179,000 Coming Soon 27 DOM
14. 2026-05-31
    days on market $179,000 Coming Soon 26 DOM
15. 2026-05-30
    days on market $179,000 Coming Soon 25 DOM
16. 2026-05-05
    historical $179,000 741-char remark

ⓘ 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: $2,531 · $211/mo
• Projected year-2 tax: $2,679 · $223/mo
• Expected delta: +$149/yr (+$12/mo · 5.9%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,262
• − Mortgage interest: −$10,027
• − Property taxes: −$2,531
• − Insurance: −$895
• − Repairs & maintenance: −$1,861
• − Management: −$1,861
• − Depreciation: −$5,207
• Taxable income: $881
• Est. tax owed @ 24.0%: −$211
• After-tax cash flow: $3,476/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: Chambersburg Area SD
• NCES district ID: 4205550
• Math proficiency: 26% ▼ -17.00%
• Reading proficiency: 48% ▼ -16.00%
• Median HH income: $52,666
• Composite: 32.17/100
• National rank: #5787
• State rank: #383 of 539 in PA

Livability — Marion

• Score: 63/100
• State rank: #1248
• US rank: #14994

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 682
• Population (ZIP): 32,772

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 157,827 people
• By 2030: 158,933 · +0.7%
• By 2040: 159,060 · +0.8%
• By 2050: 155,132 · -1.7%
• By 2075: 138,545 · -12.2%
• By 2100: 112,321 · -28.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 7% Two or more races 5% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 3% Italian 3% Polish 1%
• Foreign-born: 4% · Canada, Philippines
• Languages at home: 92% English-only · Spanish 6% Other Asian/Pacific 1%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+43.0) · D 28.1% · R 71.1%
• 2008→2024 swing: -10.4pp toward R · 2008: -32.6pp · 2024: -43.0pp
• All cycles: 2024: R+43.0 2020: R+43.1 2016: R+46.5 2012: R+38.5 2008: R+32.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.86%
• Current HPI: 232.0695
• 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

+0.0% since first listed

2 events — show timeline

• 2026-06-05 Listed $179,000 BRIGHT MLS
• 2026-05-05 Coming Soon $179,000 BRIGHT MLS

Property tax history

+15.3%/yr

Latest (2026): $2,531 · +2.4% YoY. Source: county tax records.