135 Farragut Ave · Vandergrift, PA 15690

$150,000

3 bd · 1.5 ba · 2,167 sqft · SingleFamily · 63 Days on market

Built 1900 Fair condition 3,057 sqft lot $69/sqft · at area comps Est $150k · at est.

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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 +15.7/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.8/10.0
• 1% rule +4.3/10.0
• Schools +4.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Step into timeless character with this spacious 3-bedroom brick home full of old-world charm and endless potential. Featuring generously sized rooms throughout, this home offers a classic layout with a welcoming living room, formal dining room, and beautiful decorative fireplaces that add warmth and personality. 2 Bonus rooms in the Attic! and Laundry on the Main Level. Master BR with dressing area. Some updates have already been completed (New Roof. Floors, Windows, Bathrooms, Kitchen), giving you a great head start, while still leaving room to make it your own and add value over time. Whether you’re looking to restore its original beauty or blend in modern touches, the possibilities are there. Enjoy the convenience of both on-street and off-street parking, along with a solid brick exterior that stands the test of time. A perfect opportunity for buyers who appreciate character, space, and the chance to create something truly special. HANDICAP accessible with wheelchair lift, stairlift to 2nd floor, handicap toilets & shower.

Key facts

• Bonus rooms
• Brick home
• 3,057 sq ft lot

Tags

• BRICK HOME
• DECORATIVE FIREPLACES
• BONUS ROOMS
• LAUNDRY ON THE MAIN LEVEL
• HANDICAP-ACCESSIBLE FEATURES

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $150k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $65 ($785/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 $140k (7.0% below list).
• Recommended offer: $140k (7.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#837 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: amenities F, commute F, employment F.
• Kiski Area SD (suburban): math 33% / reading 60% proficiency, ranked #247 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 44 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 415 units permitted in Westmoreland County in 2024 (10 in 5+ unit buildings).

Forward outlook

• In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (10.0% local appreciation)).
• Westmoreland County population projected at -19% 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 $42k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 9y 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 $25k; list at $150k implies a 500% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $139,500 (7.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1900 — 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. 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.
8. 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.
9. 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: 0.93% ✗
• Cap rate: 6.82%
• Cash-on-cash: 1.87%
• DSCR: 1.08
• GRM: 9.0

CMA / ARV

• ARV (median comp): $149,965
• List price: $150,000
• Delta: 0.02%
• Verdict: FAIR
• Comps: 19 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1129 Clarion Ave	0.57mi	3/2.0	1,899 (-12%)	18mo	$141,000	$74	36
311 Longfellow St	0.70mi	4/2.5 (+1)	2,443 (+13%)	21mo	$215,000	$88	20

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

Projected returns pro-forma

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

5-year hold

• IRR: 25.6%
• Equity multiple: 3.04×
• Total profit: $85,883
• Equity at exit: $135,132

10-year hold

• IRR: 22.5%
• Equity multiple: 6.94×
• Total profit: $249,674
• Equity at exit: $291,417

Cash invested: $42,000 (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 15690

• Home prices YoY: 10.8%
• Active inventory: 44
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,395 medium
• Mortgage (P&I): −$787
• Tax est. 1.5%: −$188 /mo · $2,250/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $65

Break-even live

Break-even rent $1,312

Max offer price $150,000

Occupancy floor 90%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1005 Hancock Ave Vandergrift, PA	3.0	2.0	1400	$1,395	$1.00	17d	1	0.91mi

Listing history 21 events

1. 2026-06-18
   days on market $150,000 Active 63 DOM
2. 2026-06-17
   days on market $150,000 Active 62 DOM
3. 2026-06-16
   days on market $150,000 Active 61 DOM
4. 2026-06-15
   days on market $150,000 Active 60 DOM
5. 2026-06-13
   days on market $150,000 Active 58 DOM
6. 2026-06-09
   days on market $150,000 Active 54 DOM
7. 2026-06-08
   days on market $150,000 Active 53 DOM
8. 2026-06-07
   days on market $150,000 Active 52 DOM
9. 2026-06-05
   days on market $150,000 Active 49 DOM
10. 2026-06-03
    days on market $150,000 Active 48 DOM
11. 2026-06-02
    days on market $150,000 Active 47 DOM
12. 2026-06-01
    days on market $150,000 Active 46 DOM
13. 2026-05-31
    days on market $150,000 Active 45 DOM
14. 2026-04-16
    listed $150,000 Active 1053-char remark

    Show marketing remark (1053 chars)

    Step into timeless character with this spacious 3-bedroom brick home full of old-world charm and endless potential. Featuring generously sized rooms throughout, this home offers a classic layout with a welcoming living room, formal dining room, and beautiful decorative fireplaces that add warmth and personality. 2 Bonus rooms in the Attic! and Laundry on the Main Level. Master BR with dressing area. Some updates have already been completed (New Roof. Floors, Windows, Bathrooms, Kitchen), giving you a great head start, while still leaving room to make it your own and add value over time. Whether you’re looking to restore its original beauty or blend in modern touches, the possibilities are there. Enjoy the convenience of both on-street and off-street parking, along with a solid brick exterior that stands the test of time. A perfect opportunity for buyers who appreciate character, space, and the chance to create something truly special. HANDICAP accessible with wheelchair lift, stairlift to 2nd floor, handicap toilets & shower.

15. 2022-01-06
    status Active
16. 2022-01-06
    price $105,000
17. 2021-12-08
    price $85,000
18. 2021-10-15
    listed $90,000 Active
19. 2017-11-10
    soldstatus $25,000 Sold
20. 2017-10-13
    status Under Contract
21. 2017-10-07
    listed $25,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥97°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,740
• − Mortgage interest: −$8,402
• − Property taxes: −$2,250
• − Insurance: −$750
• − Repairs & maintenance: −$1,339
• − Management: −$1,339
• − Depreciation: −$4,364
• Taxable loss: −$1,704
• Est. tax savings @ 24.0%: +$409
• After-tax cash flow: $1,194/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.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This 3-bedroom brick home offers a classic layout with updates to the roof, floors, windows, bathrooms, and kitchen. However, it requires painting, minor repairs, and landscaping to fully enhance its resale and rental value.

Repairs flagged

• Minor Kitchen cabinets — Light wear and tear, but not structural damage.
• Minor Bathroom fixtures — Light wear and tear, but not structural damage.
• Minor Paint — Fading and chipping in some areas.
• Minor Windows — Some frames show signs of wear.
• Minor Landscaping — Overgrown areas need trimming.

Value-add opportunities

• Resale Painting and minor repairs — Fresh paint and repairs will make the home more appealing to potential buyers.
• Rental HVAC upgrade — A new HVAC system will improve comfort and reduce energy costs.
• Both Landscaping — A well-maintained yard will enhance curb appeal and attract more tenants.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Light wear and tear, but not structural damage.	Minor	$500–3,000
Bathroom fixtures · Light wear and tear, but not structural damage.	Minor	$500–3,000
Paint · Fading and chipping in some areas.	Minor	$500–3,000
Windows · Some frames show signs of wear.	Minor	$500–3,000
Landscaping · Overgrown areas need trimming.	Minor	$500–3,000
Total estimated repair cost · 5 items		$2,500–15,000

Value-add ROI direction

• Resale Painting and minor repairs — Fresh paint and repairs will make the home more appealing to potential buyers. ↑
• Rental HVAC upgrade — A new HVAC system will improve comfort and reduce energy costs. ↑
• Both Landscaping — A well-maintained yard will enhance curb appeal and attract more tenants. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Kiski Area SD
• NCES district ID: 4212840
• Math proficiency: 33% ▼ -16.00%
• Reading proficiency: 60% ▼ -10.00%
• Median HH income: $49,407
• Composite: 39.72/100
• National rank: #3900
• State rank: #247 of 539 in PA

Livability — Vandergrift

• Score: 69/100
• State rank: #837
• US rank: #8777

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vandergrift, PA
• Population (ZIP): 9,359

Population outlook (Westmoreland County) Hauer SSP2

• Today (2025): 342,555 people
• By 2030: 331,717 · -3.2%
• By 2040: 304,976 · -11.0%
• By 2050: 277,444 · -19.0%
• By 2075: 224,607 · -34.4%
• By 2100: 171,084 · -50.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 7% Black 2% Hispanic / Latino 1%
• Common ancestry: Romanian 8% Subsaharan African 3% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · Other Indo-European 1%

Political lean MEDSL · Westmoreland

• 2024 margin: Strong R (+28.4) · D 35.4% · R 63.9%
• 2008→2024 swing: -11.7pp toward R · 2008: -16.7pp · 2024: -28.4pp
• All cycles: 2024: R+28.4 2020: R+28.3 2016: R+31.3 2012: R+23.7 2008: R+16.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 24.69%
• Current HPI: 253.8806
• 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

+500.0% since first listed

8 events — show timeline

• 2026-04-16 Listed $150,000 West Penn MLS
• 2022-01-06 Relisted — West Penn MLS
• 2022-01-06 Price Changed $105,000 West Penn MLS
• 2021-12-08 Price Changed $85,000 West Penn MLS
• 2021-10-15 Listed $90,000 West Penn MLS
• 2017-11-10 Sold (MLS) $25,000 West Penn MLS
• 2017-10-13 Pending — West Penn MLS
• 2017-10-07 Listed $25,000 West Penn MLS