114 E York St · Biglerville, PA 17307

$259,900

3 bd · 1.0 ba · 2,400 sqft · Other public records · 95 Days on market

Built 1863 0.28 ac lot $108/sqft · 5% below area Est $274k · 5% under

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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).

• Appreciation +10.0/10.0
• ARV discount +9.8/15.0
• Cash flow +6.8/30.0
• Schools +3.7/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.2/10.0
• DSCR +1.0/10.0

Listing remarks MLS

You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

Key facts

• Newly remodeled home
• Ltv flooring
• New water heater

Tags

• NEWLY REMODELED HOME
• LTV FLOORING
• NEW ROOF
• NEW WINDOWS
• 2 HVAC SYSTEMS
• NEW WATER HEATER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $260k.

Deal economics

• At list price, monthly cash flow is $-406 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (27.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $160k (38.3% below list).
• Recommended offer: $160k (38.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#968 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• Upper Adams SD (rural): math 33% / reading 52% proficiency, ranked #298 of 539 in PA (top 55%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 42 active listings in the ZIP; 403 units permitted in Adams County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (10.0% local appreciation)).
• Adams County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($237k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $30k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; list at $260k implies a 160% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1863 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $160,294 (38.3% 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 95 days. Have you received any prior offers? Is the seller open to a 38% concession, seller financing, or rate buy-down credit?
3. Built in 1863 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.62% ✗
• Cap rate: 4.42%
• Cash-on-cash: -6.70%
• DSCR: 0.70
• GRM: 13.5

CMA / ARV

• ARV (median comp): $273,854
• List price: $259,900
• Delta: -5.10%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.5%
• Equity multiple: 2.59×
• Total profit: $115,610
• Equity at exit: $234,139

10-year hold

• IRR: 17.9%
• Equity multiple: 5.96×
• Total profit: $360,707
• Equity at exit: $504,929

Cash invested: $72,772 (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 17307

• Home prices YoY: 4.2%
• Active inventory: 42
• Price-to-rent: 13.5×

Monthly cashflow live

• Estimated rent: $1,603 medium
• Mortgage (P&I): −$1,363
• Tax from tax record: −$202 /mo · $2,418/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$337
• Net cashflow: $-406

Break-even live

Break-even rent $2,117

Max offer price $188,099

Occupancy floor —

Sensitivity live

Price	-10% $-259	-5% $-333	+0% $-406	+5% $-480	+10% $-554
Rent	-10% $-533	-5% $-470	+0% $-406	+5% $-343	+10% $-280
Rate	-1.0pp $-276	-0.5pp $-340	base $-406	+0.5pp $-474	+1.0pp $-542

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-18
   price $259,900 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

2. 2026-04-29
   price $269,900 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

3. 2026-04-24
   price $274,900 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

4. 2026-04-07
   price $279,900 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

5. 2026-03-27
   status Active 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

6. 2026-03-23
   status Pending 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

7. 2026-03-05
   price $284,900 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

8. 2026-02-19
   status Active 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

9. 2026-02-05
   status Pending 994-char remark

   Show marketing remark (994 chars)

   You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

10. 2026-02-02
    listed $289,900 Active 994-char remark

    Show marketing remark (994 chars)

    You don't want to miss this newly remodeled home with over 3,200 square feet of living space!!! This home features all brand new LTV flooring, New roof and windows, 2 HVAC systems, New Water Heater, updated electric and new paint. This solid built home features a living room with partially open staircase and lots of space for furniture. The enormous kitchen with brand new stainless steel appliances has plenty of space for a big dining table for entertaining. Sitting off of the kitchen is a family room with plenty of space for a pool table and games, or section it off and use part of it as an office or whatever your heart desires. 1st floor bedroom and full bath is an added convenience. Upstairs, there are 3 more bedrooms, another full bath and the laundry room. Out back there is a back patio and a big yard to run around in. Off street parking in the alley as well. This home is better than new and gives you the ability to move right in, put your feet up, and enjoy home ownership!

11. 2025-07-31
    soldstatus $100,150 Closed 472-char remark

    Show marketing remark (472 chars)

    This home is SOLD AS IS. CASH ONLY. Seller will do no repairs nor trash out the property. This is a civil war building. Buyer should contact Biglerville to see if there are any rehab restrictions. Buyer(s) should contact their agent to see this home and must sign the NOTICE OF PROPERTY CONDITION AND RELEASE OF LIABILITY before they can enter the home. A unique opportunity to own a piece of history with this CIVIL WAR BUILDING. This home will require major rehab work.

12. 2025-02-07
    status Pending 472-char remark

    Show marketing remark (472 chars)

    This home is SOLD AS IS. CASH ONLY. Seller will do no repairs nor trash out the property. This is a civil war building. Buyer should contact Biglerville to see if there are any rehab restrictions. Buyer(s) should contact their agent to see this home and must sign the NOTICE OF PROPERTY CONDITION AND RELEASE OF LIABILITY before they can enter the home. A unique opportunity to own a piece of history with this CIVIL WAR BUILDING. This home will require major rehab work.

13. 2025-01-18
    listed $59,900 Active 472-char remark

    Show marketing remark (472 chars)

    This home is SOLD AS IS. CASH ONLY. Seller will do no repairs nor trash out the property. This is a civil war building. Buyer should contact Biglerville to see if there are any rehab restrictions. Buyer(s) should contact their agent to see this home and must sign the NOTICE OF PROPERTY CONDITION AND RELEASE OF LIABILITY before they can enter the home. A unique opportunity to own a piece of history with this CIVIL WAR BUILDING. This home will require major rehab work.

ⓘ 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: $2,418 · $202/mo
• Projected year-2 tax: $3,262 · $272/mo
• Expected delta: +$844/yr (+$70/mo · 34.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% 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: $19,235
• − Mortgage interest: −$14,558
• − Property taxes: −$2,418
• − Insurance: −$1,300
• − Repairs & maintenance: −$1,539
• − Management: −$1,539
• − Depreciation: −$7,561
• Taxable loss: −$9,679
• Est. tax savings @ 24.0%: +$2,323
• After-tax cash flow: $-2,554/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: Upper Adams SD
• NCES district ID: 4224300
• Math proficiency: 33% ▼ -17.00%
• Reading proficiency: 52% ▼ -14.00%
• Median HH income: $56,964
• Composite: 37.16/100
• National rank: #4482
• State rank: #298 of 539 in PA

Livability — Biglerville

• Score: 67/100
• State rank: #968
• US rank: #10570

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Biglerville, PA
• Population (ZIP): 5,677

Population outlook (Adams County) Hauer SSP2

• Today (2025): 102,494 people
• By 2030: 101,890 · -0.6%
• By 2040: 98,417 · -4.0%
• By 2050: 92,014 · -10.2%
• By 2075: 76,128 · -25.7%
• By 2100: 58,931 · -42.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 9% Two or more races 4% Black 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 3% Serbian 2% Romanian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 93% English-only · Spanish 5% French/Haitian/Cajun 1%

Political lean MEDSL · Adams

• 2024 margin: Solid R (+33.6) · D 32.7% · R 66.4%
• 2008→2024 swing: -14.1pp toward R · 2008: -19.6pp · 2024: -33.6pp
• All cycles: 2024: R+33.6 2020: R+34.1 2016: R+36.4 2012: R+27.6 2008: R+19.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 12.77%
• Current HPI: 319.5821
• 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

+333.9% since first listed

13 events — show timeline

• 2026-05-18 Price Changed $259,900 BRIGHT MLS
• 2026-04-29 Price Changed $269,900 BRIGHT MLS
• 2026-04-24 Price Changed $274,900 BRIGHT MLS
• 2026-04-07 Price Changed $279,900 BRIGHT MLS
• 2026-03-27 Relisted — BRIGHT MLS
• 2026-03-23 Pending — BRIGHT MLS
• 2026-03-05 Price Changed $284,900 BRIGHT MLS
• 2026-02-19 Relisted — BRIGHT MLS
• 2026-02-05 Pending — BRIGHT MLS
• 2026-02-02 Listed $289,900 BRIGHT MLS
• 2025-07-31 Sold (MLS) $100,150 BRIGHT MLS
• 2025-02-07 Pending — BRIGHT MLS
• 2025-01-18 Listed $59,900 BRIGHT MLS

Property tax history

+2.0%/yr

Latest (2026): $2,418 · -0.4% YoY. Source: county tax records.