728 Laura St · Chester Hill, PA 16866

$75,000

3 bd · 2.0 ba · 1,420 sqft · Other · 7 Days on market

Built 1968 7,840 sqft lot $53/sqft · 49% below area Est $147k · 49% under ↓ 21% since listing

---

Why this score? — see what drove the A 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• Schools +3.9/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Affordable housing being offered to you with one-floor living on a nice lot on a cul-de-sac street, Chester Hill Borough. Portfolio Loan options available for qualified buyers. This home has approximately 1200 sq ft of one-floor living with 3 beds, 2 full baths, laundry and 15' x 23' living room for your big space activities. Kitchen has an updated wall of cabinets, pull-out drawers, pantry storage, refrigerator, electric range, dishwasher, and microwave. Owner's Suite & Ensuite is a 19'9" x 11'3" with a wall of closets and extra sized full bath with large soaking tub. Lower level has a 20' x 11' Recreational/Flex Room, newer furnace and hot water heater. Lots of storage space in the basement and walk-out to the large back yard. Enjoy living here full time, or a get-away place with all the comforts of back home. The manufactured home has lovely add-on rooms giving the space you are looking for. Borough lot next door blends as part of this yard and has been mowed by these owners for decades which gives lots of buffer and green play area. Home, football home, recreational home, rental property, this is your time for a move!

Key facts

• Cul de sac setting
• Covered front porch
• Pantry storage

Tags

• CUL DE SAC SETTING
• COVERED FRONT PORCH
• FULLY EQUIPPED KITCHEN
• UPDATED WALL OF CABINETRY
• PANTRY STORAGE
• MAIN FLOOR LAUNDRY ROOM

Property features AI

Exterior

• Parking: Driveway parking; Off-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Mobile home (pre-1976); Single wide
• Construction: Metal siding; Vinyl siding; Shingle roof; Partially finished basement; Interior basement access
• Exterior features: Porch(es); Patio(s); Roofed outdoor living areas; Walkout basement access; Pets allowed (cats and dogs)

Interior

• Kitchen: Eat-in kitchen; Pantry
• Bedrooms: Three bedrooms on the main level; Rooms include: Living Room, Dining Room, Master Bedroom, Bedroom 2, Bedroom 3
• Flooring: Laminate plank; Carpet; Vinyl
• Bathrooms: Two full bathrooms (both on the main level)
• Heating & cooling: Forced air heating (oil-fired); Window cooling units (electric)
• Interior features: Combination kitchen/dining; Dining area; Entry-level bedroom; Kitchen eat-in; Pantry; Master bath(s)
• Laundry & utility: Main floor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $75k.

Deal economics

• At list price, monthly cash flow is $680 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).

Location & tenants

• Location reads 62/100 on livability (#1,336 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: crime C-, schools F, amenities F.
• Philipsburg-Osceola Area SD (town): math 42% / reading 52% proficiency, ranked #258 of 539 in PA (top 48%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 40 active listings in the ZIP; 99 units permitted in Clearfield County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($519 loan paydown + $8k appreciation (10.0% local appreciation)).
• Clearfield County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $75,000

Questions for the listing agent

1. Built in 1968 — 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: 2.11% ✓
• Cap rate: 17.17%
• Cash-on-cash: 38.86%
• DSCR: 2.73
• GRM: 3.9

CMA / ARV

• ARV (median comp): $146,569
• List price: $75,000
• Delta: -48.83%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 54.3%
• Equity multiple: 5.01×
• Total profit: $84,221
• Equity at exit: $67,566

10-year hold

• IRR: 47.9%
• Equity multiple: 11.19×
• Total profit: $214,068
• Equity at exit: $145,709

Cash invested: $21,000 (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 16866

• Home prices YoY: 12.0%
• Active inventory: 40
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,586 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$148 /mo · $1,780/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$333
• Net cashflow: $680

Break-even live

Break-even rent $725

Max offer price $75,000

Occupancy floor 52%

Sensitivity live

Price	-10% $723	-5% $701	+0% $680	+5% $659	+10% $638
Rent	-10% $555	-5% $617	+0% $680	+5% $743	+10% $805
Rate	-1.0pp $718	-0.5pp $699	base $680	+0.5pp $661	+1.0pp $641

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-05-11
   status Pending 1031-char remark
2. 2026-05-04
   listed $75,000 Active 1031-char remark
3. 2024-10-25
   soldstatus $74,000
4. 2024-10-23
   soldstatus $74,000 Closed 1155-char remark

   Show marketing remark (1155 chars)

   Affordable housing being offered to you with one-floor living on a nice lot on a cul-de-sac street, Chester Hill Borough. Portfolio Loan options available for qualified buyers. This home has approximately 1200 sq ft of one-floor living with 3 beds, 2 full baths, laundry and 15' x 23' living room for your big space activities. Kitchen has an updated wall of cabinets, pull-out drawers, pantry storage, refrigerator, electric range, dishwasher, and microwave. Owner's Suite & Ensuite is a 19'9" x 11'3" with a wall of closets and extra sized full bath with large soaking tub. Lower level has a 20' x 11' Recreational/Flex Room, newer furnace and hot water heater. Lots of storage space in the basement and walk-out to the large back yard. Enjoy living here full time, or a get-away place with all the comforts of back home. The manufactured home has lovely add-on rooms giving the space you are looking for. Borough lot next door blends as part of this yard and has been mowed by these owners for decades which gives lots of buffer and green play area. Home, football home, recreational home, rental property, this is your time for a move!

5. 2024-09-11
   status Pending 1155-char remark

   Show marketing remark (1155 chars)

   Affordable housing being offered to you with one-floor living on a nice lot on a cul-de-sac street, Chester Hill Borough. Portfolio Loan options available for qualified buyers. This home has approximately 1200 sq ft of one-floor living with 3 beds, 2 full baths, laundry and 15' x 23' living room for your big space activities. Kitchen has an updated wall of cabinets, pull-out drawers, pantry storage, refrigerator, electric range, dishwasher, and microwave. Owner's Suite & Ensuite is a 19'9" x 11'3" with a wall of closets and extra sized full bath with large soaking tub. Lower level has a 20' x 11' Recreational/Flex Room, newer furnace and hot water heater. Lots of storage space in the basement and walk-out to the large back yard. Enjoy living here full time, or a get-away place with all the comforts of back home. The manufactured home has lovely add-on rooms giving the space you are looking for. Borough lot next door blends as part of this yard and has been mowed by these owners for decades which gives lots of buffer and green play area. Home, football home, recreational home, rental property, this is your time for a move!

6. 2024-08-28
   price $79,900 1155-char remark

   Show marketing remark (1155 chars)

   Affordable housing being offered to you with one-floor living on a nice lot on a cul-de-sac street, Chester Hill Borough. Portfolio Loan options available for qualified buyers. This home has approximately 1200 sq ft of one-floor living with 3 beds, 2 full baths, laundry and 15' x 23' living room for your big space activities. Kitchen has an updated wall of cabinets, pull-out drawers, pantry storage, refrigerator, electric range, dishwasher, and microwave. Owner's Suite & Ensuite is a 19'9" x 11'3" with a wall of closets and extra sized full bath with large soaking tub. Lower level has a 20' x 11' Recreational/Flex Room, newer furnace and hot water heater. Lots of storage space in the basement and walk-out to the large back yard. Enjoy living here full time, or a get-away place with all the comforts of back home. The manufactured home has lovely add-on rooms giving the space you are looking for. Borough lot next door blends as part of this yard and has been mowed by these owners for decades which gives lots of buffer and green play area. Home, football home, recreational home, rental property, this is your time for a move!

7. 2024-08-12
   listed $94,900 Active 1155-char remark

   Show marketing remark (1155 chars)

   Affordable housing being offered to you with one-floor living on a nice lot on a cul-de-sac street, Chester Hill Borough. Portfolio Loan options available for qualified buyers. This home has approximately 1200 sq ft of one-floor living with 3 beds, 2 full baths, laundry and 15' x 23' living room for your big space activities. Kitchen has an updated wall of cabinets, pull-out drawers, pantry storage, refrigerator, electric range, dishwasher, and microwave. Owner's Suite & Ensuite is a 19'9" x 11'3" with a wall of closets and extra sized full bath with large soaking tub. Lower level has a 20' x 11' Recreational/Flex Room, newer furnace and hot water heater. Lots of storage space in the basement and walk-out to the large back yard. Enjoy living here full time, or a get-away place with all the comforts of back home. The manufactured home has lovely add-on rooms giving the space you are looking for. Borough lot next door blends as part of this yard and has been mowed by these owners for decades which gives lots of buffer and green play area. Home, football home, recreational home, rental property, this is your time for a move!

ⓘ 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: $1,780 · $148/mo
• Projected year-2 tax: $1,780 · $148/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 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,033
• − Mortgage interest: −$4,201
• − Property taxes: −$1,780
• − Insurance: −$375
• − Repairs & maintenance: −$1,523
• − Management: −$1,523
• − Depreciation: −$2,182
• Taxable income: $7,450
• Est. tax owed @ 24.0%: −$1,788
• After-tax cash flow: $6,373/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: Philipsburg-Osceola Area SD
• NCES district ID: 4219020
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 52% ▼ -10.00%
• Median HH income: $40,645
• Composite: 39.37/100
• National rank: #3977
• State rank: #258 of 539 in PA

Livability — Chester Hill

• Score: 62/100
• State rank: #1336
• US rank: #16535

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chester Hill, PA
• Population (ZIP): 8,924

Population outlook (Clearfield County) Hauer SSP2

• Today (2025): 79,658 people
• By 2030: 78,358 · -1.6%
• By 2040: 74,670 · -6.3%
• By 2050: 70,186 · -11.9%
• By 2075: 60,391 · -24.2%
• By 2100: 46,886 · -41.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 6% Black 6% Two or more races 3%
• Hispanic origin (detail): Mexican 2% Dominican 1%
• Common ancestry: Romanian 7% Slovak 2% Polish 1%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 92% English-only · Spanish 6%

Political lean MEDSL · Clearfield

• 2024 margin: Solid R (+51.5) · D 23.9% · R 75.4%
• 2008→2024 swing: -39.4pp toward R · 2008: -12.1pp · 2024: -51.5pp
• All cycles: 2024: R+51.5 2020: R+49.5 2016: R+49.6 2012: R+28.9 2008: R+12.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 30.47%
• Current HPI: 284.148
• 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

-21.0% since first listed

7 events — show timeline

• 2026-05-11 Pending — BRIGHT MLS
• 2026-05-04 Listed $75,000 BRIGHT MLS
• 2024-10-25 Sold (Public Records) $74,000 Public Records
• 2024-10-23 Sold (MLS) $74,000 BRIGHT MLS
• 2024-09-11 Pending — BRIGHT MLS
• 2024-08-28 Price Changed $79,900 BRIGHT MLS
• 2024-08-12 Listed $94,900 BRIGHT MLS

Property tax history

+3.7%/yr

Latest (2026): $1,780 · +5.8% YoY. Source: county tax records.