1699 Pirgrim St · Nanty-Glo, PA 15943

$124,900

4 bd · 2.0 ba · 1,754 sqft · SingleFamily · 72 Days on market

0.50 ac lot $71/sqft · 46% above area Est $86k · 46% over ↓ 4% since listing

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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 +25.7/30.0
• DSCR +8.6/10.0
• 1% rule +5.6/10.0
• Appreciation +5.5/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Welcome to 1699 Pirgrim Street in the Central Cambria School District! This home is situated on a beautiful, private lot and offers extremely low taxes of approximately $464 per year. The main floor features a spacious foyer with laundry, a kitchen with included appliances, dining room, full bathroom, living room, and an additional bonus room that could serve as an office, playroom, or extra living space. Upstairs, you'll find four generously sized bedrooms. The walk-out basement is unfinished and provides excellent storage, mechanicals, and an additional full bathroom - offering great potential for future finishing. Exterior highlights include new gutters, a large yard, off-street parking, a covered front porch, rear deck, and more. Schedule your showing today!

Key facts

• Private lot
• Unfinished basement
• Bonus room

Tags

• PRIVATE LOT
• INCLUDED APPLIANCES
• BONUS ROOM
• UNFINISHED BASEMENT
• NEW GUTTERS
• LARGE YARD

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $300 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $117k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Blacklick Valley SD (town): math 37% / reading 50% proficiency, ranked #310 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 11 active listings in the ZIP; 64 units permitted in Cambria County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($864 loan paydown + $1k appreciation (1.0% local appreciation)).
• Cambria County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $117,406 (6.0% below list)

Questions for the listing agent

1. It's been on market 72 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.06% ✓
• Cap rate: 9.18%
• Cash-on-cash: 10.31%
• DSCR: 1.46
• GRM: 7.9

CMA / ARV

• ARV (median comp): $85,667
• List price: $124,900
• Delta: 45.80%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1635 Upper Christoff St	0.13mi	3/1.0 (-1)	1,660 (-5%)	1mo	$86,350	$52	75
651 Mccoy St	0.68mi	4/2.0	1,890 (+8%)	12mo	$70,000	$37	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.0%
• Equity multiple: 1.61×
• Total profit: $21,423
• Equity at exit: $42,652

10-year hold

• IRR: 15.7%
• Equity multiple: 2.90×
• Total profit: $66,537
• Equity at exit: $56,691

Cash invested: $34,972 (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 15943

• Home prices YoY: 1.0%
• Active inventory: 11
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,321 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$36 /mo · $435/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $300

Break-even live

Break-even rent $941

Max offer price $124,900

Occupancy floor 72%

Sensitivity live

Price	-10% $371	-5% $336	+0% $300	+5% $265	+10% $230
Rent	-10% $196	-5% $248	+0% $300	+5% $353	+10% $405
Rate	-1.0pp $363	-0.5pp $332	base $300	+0.5pp $268	+1.0pp $235

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $124,900 Active 72 DOM
2. 2026-06-18
   days on market $124,900 Active 70 DOM
3. 2026-06-17
   days on market $124,900 Active 69 DOM
4. 2026-06-16
   days on market $124,900 Active 68 DOM
5. 2026-06-15
   days on market $124,900 Active 67 DOM
6. 2026-06-13
   days on market $124,900 Active 65 DOM
7. 2026-06-12
   days on market $124,900 Active 64 DOM
8. 2026-06-09
   days on market $124,900 Active 61 DOM
9. 2026-06-08
   days on market $124,900 Active 60 DOM
10. 2026-06-08
    days on market $124,900 Active 59 DOM
11. 2026-06-07
    days on market $124,900 Active 58 DOM
12. 2026-06-04
    days on market $124,900 Active 55 DOM
13. 2026-06-02
    days on market $124,900 Active 54 DOM
14. 2026-06-01
    days on market $124,900 Active 53 DOM
15. 2026-05-31
    days on market $124,900 Active 52 DOM
16. 2026-05-02
    price $124,900 772-char remark

    Show marketing remark (772 chars)

    Welcome to 1699 Pirgrim Street in the Central Cambria School District! This home is situated on a beautiful, private lot and offers extremely low taxes of approximately $464 per year. The main floor features a spacious foyer with laundry, a kitchen with included appliances, dining room, full bathroom, living room, and an additional bonus room that could serve as an office, playroom, or extra living space. Upstairs, you'll find four generously sized bedrooms. The walk-out basement is unfinished and provides excellent storage, mechanicals, and an additional full bathroom - offering great potential for future finishing. Exterior highlights include new gutters, a large yard, off-street parking, a covered front porch, rear deck, and more. Schedule your showing today!

17. 2026-05-02
    price $124,900 772-char remark

    Show marketing remark (772 chars)

    Welcome to 1699 Pirgrim Street in the Central Cambria School District! This home is situated on a beautiful, private lot and offers extremely low taxes of approximately $464 per year. The main floor features a spacious foyer with laundry, a kitchen with included appliances, dining room, full bathroom, living room, and an additional bonus room that could serve as an office, playroom, or extra living space. Upstairs, you'll find four generously sized bedrooms. The walk-out basement is unfinished and provides excellent storage, mechanicals, and an additional full bathroom - offering great potential for future finishing. Exterior highlights include new gutters, a large yard, off-street parking, a covered front porch, rear deck, and more. Schedule your showing today!

18. 2026-04-09
    listed $134,900 Active 772-char remark

    Show marketing remark (772 chars)

    Welcome to 1699 Pirgrim Street in the Central Cambria School District! This home is situated on a beautiful, private lot and offers extremely low taxes of approximately $464 per year. The main floor features a spacious foyer with laundry, a kitchen with included appliances, dining room, full bathroom, living room, and an additional bonus room that could serve as an office, playroom, or extra living space. Upstairs, you'll find four generously sized bedrooms. The walk-out basement is unfinished and provides excellent storage, mechanicals, and an additional full bathroom - offering great potential for future finishing. Exterior highlights include new gutters, a large yard, off-street parking, a covered front porch, rear deck, and more. Schedule your showing today!

19. 2026-04-09
    listed $134,900 Active 772-char remark

    Show marketing remark (772 chars)

    Welcome to 1699 Pirgrim Street in the Central Cambria School District! This home is situated on a beautiful, private lot and offers extremely low taxes of approximately $464 per year. The main floor features a spacious foyer with laundry, a kitchen with included appliances, dining room, full bathroom, living room, and an additional bonus room that could serve as an office, playroom, or extra living space. Upstairs, you'll find four generously sized bedrooms. The walk-out basement is unfinished and provides excellent storage, mechanicals, and an additional full bathroom - offering great potential for future finishing. Exterior highlights include new gutters, a large yard, off-street parking, a covered front porch, rear deck, and more. Schedule your showing today!

20. 2024-09-20
    soldstatus $119,900 Closed
21. 2024-07-30
    status Pending
22. 2024-07-03
    price $119,900
23. 2024-05-28
    status Active
24. 2024-02-11
    status Pending
25. 2024-01-23
    listed $129,900 Active

ⓘ 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: $435 · $36/mo
• Projected year-2 tax: $1,204 · $100/mo
• Expected delta: +$769/yr (+$64/mo · 176.9%)

ⓘ 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 2/10 Low 7 d/yr ≥91°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,852
• − Mortgage interest: −$6,996
• − Property taxes: −$435
• − Insurance: −$624
• − Repairs & maintenance: −$1,268
• − Management: −$1,268
• − Depreciation: −$3,633
• Taxable income: $1,627
• Est. tax owed @ 24.0%: −$390
• After-tax cash flow: $3,214/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: Blacklick Valley SD
• NCES district ID: 4203690
• Math proficiency: 37% ▲ 7.00%
• Reading proficiency: 50% ▲ 5.00%
• Median HH income: $38,550
• Composite: 36.25/100
• National rank: #4712
• State rank: #310 of 539 in PA

Livability — Nanty-Glo

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Nanty-Glo, PA
• City population: 3,747
• Population (ZIP): 3,747

Population outlook (Cambria County) Hauer SSP2

• Today (2025): 122,754 people
• By 2030: 115,827 · -5.6%
• By 2040: 101,309 · -17.5%
• By 2050: 88,379 · -28.0%
• By 2075: 65,237 · -46.9%
• By 2100: 46,909 · -61.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 2%
• Common ancestry: Romanian 7% Lithuanian 2% Italian 2%
• Foreign-born: 1%
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · Cambria

• 2024 margin: Solid R (+39.7) · D 29.8% · R 69.5%
• 2008→2024 swing: -40.4pp toward R · 2008: 0.7pp · 2024: -39.7pp
• All cycles: 2024: R+39.7 2020: R+37.3 2016: R+37.8 2012: R+17.8 2008: D+0.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.00%
• Current HPI: 97.1064
• 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

-3.8% since first listed

10 events — show timeline

• 2026-05-02 Price Changed $124,900 CSMLS
• 2026-05-02 Price Changed $124,900 AHARMLS
• 2026-04-09 Listed $134,900 CSMLS
• 2026-04-09 Listed $134,900 AHARMLS
• 2024-09-20 Sold (MLS) $119,900 AHARMLS
• 2024-07-30 Pending — AHARMLS
• 2024-07-03 Price Changed $119,900 AHARMLS
• 2024-05-28 Relisted — AHARMLS
• 2024-02-11 Pending — AHARMLS
• 2024-01-23 Listed $129,900 AHARMLS

Property tax history

+1.2%/yr

Latest (2026): $435 · +3.1% YoY. Source: county tax records.