21 Altoona Ave · Enola, PA 17025

$205,000

3 bd · 1.0 ba · 1,800 sqft · Townhouse public records · 4 Days on market

Built 1920 3,049 sqft lot $114/sqft · at area comps Est $202k · at est.

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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 +18.1/30.0
• ARV discount +6.9/15.0
• DSCR +5.7/10.0
• 1% rule +4.7/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• Schools +3.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WELL MAINTAINED, 3-STORY, 4 BEDROOM HOME WITH 1,800 SQ. FT. FEATURES A LARGE EAT-IN KITCHEN WITH UPDATED APPLIANCES AND MAIN FLOOR LAUNDRY CLOSET WITH NEW WASHER AND DRYER INCLUDED, LARGE COMBINED LIVING ROOM/DINING ROOM AREA, 3RD FLOOR BEDROOM WITH WALK-IN CLOSET AND 2 CEILING FANS, UPDATED 200 AMP ELECTRIC, UNFINISHED BASEMENT WITH NEWER HOT WATER HEATER (05/04/18) AND NEWER OIL TANK (12/05/18), OFF STREET PARKING AREA FOR 2 CARS, SHED, BACKYARD SPACE, COVERED FRONT PORCH. SELLING BELOW TAX ASSESSMENT VALUE OF $127,600!

Key facts

• Built 1920
• Listed 4 days

Property features AI

Finance

• Other: Fee simple ownership; Property listed in very good condition; Not in a federal flood zone

Exterior

• Parking: Gravel driveway; Off-street parking
• Utilities: 200+ amp electric service with circuit breakers; Oil-fired heating; Electric hot water; Public water; Public sewer
• Home design: Semi-detached property; Estimated year built
• Construction: Stone and vinyl siding exterior; Stone foundation; Rubber roof; Full, unfinished basement
• Exterior features: Porch(es); Sidewalks; Rear yard

Interior

• Kitchen: Dishwasher; Electric oven/range; Refrigerator
• Bedrooms: Three bedrooms on the first upper level; One bedroom on the second upper level
• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: One full bathroom
• Heating & cooling: Steam heating; Radiant heating
• Interior features: Ceiling fans; Open floor plan with combined dining and living area; Breakfast area; Drywall walls and ceilings
• Laundry & utility: Laundry on the main floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $205k.

Deal economics

• At list price, monthly cash flow is $181 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (3.4% below list).
• Recommended offer: $198k (3.4% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 3.4% in Enola — 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 79/100 on livability (#243 in PA, #2,077 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, commute D+, amenities F.
• East Pennsboro Area SD (suburban): math 30% / reading 57% proficiency, ranked #275 of 539 in PA (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Pennsboro Area Shs (math 82% / reading 72%, grade A-, #22 of 437 statewide, top 5%, 761 students, 36% FRL).
• Zoned-school proficiency averages 77% at this address vs 44% district-wide (+34 pts) — the actual schools serving this property are materially stronger than the East Pennsboro Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+6.5%/yr); 126 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,052 units permitted in Cumberland County in 2024 (310 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 $6k of value loss. Plan a longer hold.
• Cumberland County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 16y 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.
• Current owner paid $125k; list at $205k implies a 63% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $198,062 (3.4% below list)

Questions for the listing agent

1. Built in 1920 — 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 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?
4. 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?
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: 0.97% ✗
• Cap rate: 7.35%
• Cash-on-cash: 3.78%
• DSCR: 1.17
• GRM: 8.6

CMA / ARV

• ARV (median comp): $202,337
• List price: $205,000
• Delta: 1.32%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
103 Sherman St	0.29mi	3/2.5	1,772 (-2%)	18mo	$294,900	$166	63
52 Carlisle Ave	0.31mi	3/2.5	1,668 (-7%)	8mo	$244,900	$147	61
19 Lancaster Ave	0.44mi	4/1.0 (+1)	1,688 (-6%)	10mo	$94,200	$56	56
57 Ashford Dr	0.67mi	2/1.5 (-1)	1,750 (-3%)	8mo	$225,000	$129	51
7 Adams St	0.69mi	4/2.5 (+1)	1,800 (0%)	11mo	$1,050,000	$583	48
83 Queen Ave	0.57mi	2/1.5 (-1)	1,577 (-12%)	2mo	$215,000	$136	44
239 N Enola Rd	0.37mi	4/2.0 (+1)	1,536 (-15%)	8mo	$193,500	$126	43
9 E Beale Ave	0.53mi	3/1.0	1,614 (-10%)	23mo	$225,000	$139	39
91 Queen Ave	0.56mi	2/1.5 (-1)	1,540 (-14%)	8mo	$215,000	$140	36
145 Tory Cir	0.74mi	3/2.0	1,652 (-8%)	20mo	$262,009	$159	30

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 · 6.46% rent growth · sell at horizon

5-year hold

• IRR: -6.6%
• Equity multiple: 0.75×
• Total profit: $-14,559
• Equity at exit: $30,566

10-year hold

• IRR: 6.8%
• Equity multiple: 1.59×
• Total profit: $33,626
• Equity at exit: $17,725

Cash invested: $57,400 (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 17025

• Home prices YoY: -25.3%
• Rents YoY: 6.5%
• Active inventory: 126
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,981 medium
• Mortgage (P&I): −$1,075
• Tax from tax record: −$223 /mo · $2,681/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $181

Break-even live

Break-even rent $1,752

Max offer price $205,000

Occupancy floor 86%

Sensitivity live

Price	-10% $297	-5% $239	+0% $181	+5% $123	+10% $65
Rent	-10% $24	-5% $103	+0% $181	+5% $259	+10% $337
Rate	-1.0pp $284	-0.5pp $233	base $181	+0.5pp $128	+1.0pp $74

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Silk Mill Dr East Pennsboro Township, PA	2.0	1.0–2.0	1319	$1,822	$1.38	14d	8	0.21mi
99 Lee Ann Ct Enola, PA	3.0	2.5	1540	$1,995	$1.30	14d	1	1.37mi
15 Stephen Rd Camp Hill, PA	4.0	2.5	2365	$2,100	$0.89	14d	1	1.41mi

Listing history 17 events

1. 2026-05-16
   status Pending 741-char remark
2. 2026-05-15
   price $205,000 741-char remark
3. 2026-05-12
   listed $199,900 Active 741-char remark
4. 2026-05-07
   historical $199,900 741-char remark
5. 2019-03-21
   soldstatus $125,400
6. 2019-03-18
   soldstatus $125,400 Closed 527-char remark

   Show marketing remark (527 chars)

   WELL MAINTAINED, 3-STORY, 4 BEDROOM HOME WITH 1,800 SQ. FT. FEATURES A LARGE EAT-IN KITCHEN WITH UPDATED APPLIANCES AND MAIN FLOOR LAUNDRY CLOSET WITH NEW WASHER AND DRYER INCLUDED, LARGE COMBINED LIVING ROOM/DINING ROOM AREA, 3RD FLOOR BEDROOM WITH WALK-IN CLOSET AND 2 CEILING FANS, UPDATED 200 AMP ELECTRIC, UNFINISHED BASEMENT WITH NEWER HOT WATER HEATER (05/04/18) AND NEWER OIL TANK (12/05/18), OFF STREET PARKING AREA FOR 2 CARS, SHED, BACKYARD SPACE, COVERED FRONT PORCH. SELLING BELOW TAX ASSESSMENT VALUE OF $127,600!

7. 2019-01-21
   status Pending 527-char remark

   Show marketing remark (527 chars)

   WELL MAINTAINED, 3-STORY, 4 BEDROOM HOME WITH 1,800 SQ. FT. FEATURES A LARGE EAT-IN KITCHEN WITH UPDATED APPLIANCES AND MAIN FLOOR LAUNDRY CLOSET WITH NEW WASHER AND DRYER INCLUDED, LARGE COMBINED LIVING ROOM/DINING ROOM AREA, 3RD FLOOR BEDROOM WITH WALK-IN CLOSET AND 2 CEILING FANS, UPDATED 200 AMP ELECTRIC, UNFINISHED BASEMENT WITH NEWER HOT WATER HEATER (05/04/18) AND NEWER OIL TANK (12/05/18), OFF STREET PARKING AREA FOR 2 CARS, SHED, BACKYARD SPACE, COVERED FRONT PORCH. SELLING BELOW TAX ASSESSMENT VALUE OF $127,600!

8. 2019-01-19
   price $125,400 527-char remark

   Show marketing remark (527 chars)

   WELL MAINTAINED, 3-STORY, 4 BEDROOM HOME WITH 1,800 SQ. FT. FEATURES A LARGE EAT-IN KITCHEN WITH UPDATED APPLIANCES AND MAIN FLOOR LAUNDRY CLOSET WITH NEW WASHER AND DRYER INCLUDED, LARGE COMBINED LIVING ROOM/DINING ROOM AREA, 3RD FLOOR BEDROOM WITH WALK-IN CLOSET AND 2 CEILING FANS, UPDATED 200 AMP ELECTRIC, UNFINISHED BASEMENT WITH NEWER HOT WATER HEATER (05/04/18) AND NEWER OIL TANK (12/05/18), OFF STREET PARKING AREA FOR 2 CARS, SHED, BACKYARD SPACE, COVERED FRONT PORCH. SELLING BELOW TAX ASSESSMENT VALUE OF $127,600!

9. 2019-01-10
   listed $119,900 Active 527-char remark

   Show marketing remark (527 chars)

   WELL MAINTAINED, 3-STORY, 4 BEDROOM HOME WITH 1,800 SQ. FT. FEATURES A LARGE EAT-IN KITCHEN WITH UPDATED APPLIANCES AND MAIN FLOOR LAUNDRY CLOSET WITH NEW WASHER AND DRYER INCLUDED, LARGE COMBINED LIVING ROOM/DINING ROOM AREA, 3RD FLOOR BEDROOM WITH WALK-IN CLOSET AND 2 CEILING FANS, UPDATED 200 AMP ELECTRIC, UNFINISHED BASEMENT WITH NEWER HOT WATER HEATER (05/04/18) AND NEWER OIL TANK (12/05/18), OFF STREET PARKING AREA FOR 2 CARS, SHED, BACKYARD SPACE, COVERED FRONT PORCH. SELLING BELOW TAX ASSESSMENT VALUE OF $127,600!

10. 2016-10-31
    historical
11. 2016-02-05
    listed $122,900
12. 2015-08-25
    historical
13. 2014-09-03
    listed $126,900
14. 2010-06-02
    soldstatus $128,900
15. 2010-05-28
    soldstatus $128,900
16. 2010-04-27
    historical
17. 2010-04-12
    listed $128,900

ⓘ 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: $2,681 · $223/mo
• Projected year-2 tax: $2,960 · $247/mo
• Expected delta: +$279/yr (+$23/mo · 10.4%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,767
• − Mortgage interest: −$11,483
• − Property taxes: −$2,681
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,901
• − Management: −$1,901
• − Depreciation: −$5,964
• Taxable loss: −$1,188
• Est. tax savings @ 24.0%: +$285
• After-tax cash flow: $2,455/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: East Pennsboro Area SD
• NCES district ID: 4208580
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 57% ▼ -8.00%
• Median HH income: $60,120
• Composite: 38.26/100
• National rank: #4239
• State rank: #275 of 539 in PA

Livability — Enola

• Score: 79/100
• State rank: #243
• US rank: #2077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Enola, PA
• County: Cumberland County · 257,673 people
• City population: 17,648
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 17,648
• Household income: $91,285
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 317.0

Population outlook (Cumberland County) Hauer SSP2

• Today (2025): 267,950 people
• By 2030: 278,105 · +3.8%
• By 2040: 296,552 · +10.7%
• By 2050: 312,937 · +16.8%
• By 2075: 349,233 · +30.3%
• By 2100: 361,875 · +35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 6% Asian 6% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 3% Italian 2% Slovak 2%
• Foreign-born: 8% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Other Indo-European 5% Spanish 4% Tagalog/Filipino 1%

Political lean MEDSL · Cumberland

• 2024 margin: Lean R (+9.4) · D 44.6% · R 54.1% · Other 1.3%
• 2008→2024 swing: +4.2pp toward D · 2008: -13.6pp · 2024: -9.4pp
• All cycles: 2024: R+9.4 2020: R+10.6 2016: R+18.6 2012: R+18.5 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -85.21%
• Current HPI: 251.939
• Rent YoY: ▲ 6.46%
• Metro: Harrisburg-Carlisle, PA
• 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

+59.0% since first listed

17 events — show timeline

• 2026-05-16 Pending — BRIGHT MLS
• 2026-05-15 Price Changed $205,000 BRIGHT MLS
• 2026-05-12 Listed $199,900 BRIGHT MLS
• 2026-05-07 Coming Soon $199,900 BRIGHT MLS
• 2019-03-21 Sold (Public Records) $125,400 Public Records
• 2019-03-18 Sold (MLS) $125,400 BRIGHT MLS
• 2019-01-21 Pending — BRIGHT MLS
• 2019-01-19 Price Changed $125,400 BRIGHT MLS
• 2019-01-10 Listed $119,900 BRIGHT MLS
• 2016-10-31 Listing Removed — BRIGHT MLS
• 2016-02-05 Listed $122,900 BRIGHT MLS
• 2015-08-25 Listing Removed — BRIGHT MLS
• 2014-09-03 Listed $126,900 BRIGHT MLS
• 2010-06-02 Sold (Public Records) $128,900 Public Records
• 2010-05-28 Sold (MLS) $128,900 BRIGHT MLS
• 2010-04-27 Listing Removed — BRIGHT MLS
• 2010-04-12 Listed $128,900 BRIGHT MLS

Property tax history

+3.3%/yr

Latest (2026): $2,681 · +1.8% YoY. Source: county tax records.