1360 Center St · McKees Rocks, PA 15136

$115,000

2 bd · 1.5 ba · 960 sqft · SingleFamily public records · 118 Days on market

Built 1915 4,024 sqft lot $120/sqft · at area comps Est $117k · 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 +19.3/30.0
• ARV discount +8.1/15.0
• DSCR +6.1/10.0
• Rent growth +5.0/5.0
• 1% rule +4.9/10.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Deed Book 18724 Page 189 This property spans over 3 separate lots and is located on a quiet, dead-end street. When you walk into the home, you are greeted by a welcoming living room and a spacious eat-in kitchen. Upstairs you will find 2 bedrooms and a full bathroom. The basement contains a utility room with a convenient toilet and shower stall as well as a finished flex space with walkout access to the fenced in yard. One of the lots included in the sale allows for at least 3 off-street parking spots. 1 year AHS home warranty included by sellers!

Key facts

• Finished flex space
• Utility room
• Walkout access

Tags

• SEPARATE LOTS
• QUIET DEAD-END STREET
• SPACIOUS EAT-IN KITCHEN
• UTILITY ROOM
• FINISHED FLEX SPACE
• WALKOUT ACCESS

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $126 ($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 $114k (0.5% below list).
• Recommended offer: $105k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 11.7% in McKees Rocks — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 82/100 on livability (#143 in PA, #1,154 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, employment F.
• Sto-Rox SD (suburban): math 4% / reading 18% proficiency, ranked #532 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 125 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 46% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,996 units permitted in Allegheny County in 2024 (1,588 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $32k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 118 days — a 9% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 12y ago; this cycle's ask has dropped $20k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $42k; list at $115k implies a 171% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $104,650 (9.0% below list)

Questions for the listing agent

1. It's been on market 118 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.99% ✗
• Cap rate: 7.61%
• Cash-on-cash: 4.71%
• DSCR: 1.21
• GRM: 8.4

CMA / ARV

• ARV (median comp): $116,641
• List price: $115,000
• Delta: -1.41%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17 Norwood St	0.20mi	1/1.0 (-1)	957 (-0%)	1mo	$63,000	$66	83
1140 Taggart St	0.42mi	2/1.0	931 (-3%)	4mo	$25,000	$27	70
1101 11th St	0.43mi	2/1.0	937 (-2%)	10mo	$42,500	$45	65
807 6th St	0.48mi	3/1.0 (+1)	990 (+3%)	1mo	$24,000	$24	64
1238 Church Ave	0.27mi	2/1.0	1,070 (+12%)	3mo	$40,000	$37	64
1027 1st St	0.43mi	3/1.0 (+1)	875 (-9%)	3mo	$36,100	$41	55
1126 Church Ave	0.42mi	3/1.0 (+1)	1,058 (+10%)	2mo	$67,000	$63	55
45 Harlem Ave	0.70mi	2/2.0	1,004 (+5%)	7mo	$148,000	$147	52
2 Willow St	0.21mi	3/1.0 (+1)	1,104 (+15%)	8mo	$150,000	$136	52
214 Erwin Pl	0.62mi	3/1.0 (+1)	1,026 (+7%)	6mo	$85,519	$83	48
1114 Ellopia St	0.66mi	3/1.0 (+1)	1,012 (+5%)	10mo	$170,000	$168	45
817 Rose St	0.64mi	2/1.0	1,088 (+13%)	8mo	$124,200	$114	39

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -3.6%
• Equity multiple: 0.86×
• Total profit: $-4,536
• Equity at exit: $17,147

10-year hold

• IRR: 11.0%
• Equity multiple: 2.05×
• Total profit: $33,950
• Equity at exit: $9,943

Cash invested: $32,200 (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 15136

• Home prices YoY: -30.4%
• Rents YoY: 13.1%
• Active inventory: 125
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,144 high
• Mortgage (P&I): −$603
• Tax from tax record: −$126 /mo · $1,514/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$240
• Net cashflow: $126

Break-even live

Break-even rent $984

Max offer price $115,000

Occupancy floor 84%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
114 Singer Ave McKees Rocks, PA	1.0	1.0	650	$800	$1.23	44d	1	0.13mi
214 Wright St Unit Na McKees Rocks, PA	2.0	1.0	954	$1,175	$1.23	15d	1	0.16mi
705 Russellwood Ave Apt 1 McKees Rocks, PA	2.0	1.0	800	$1,549	$1.94	24d	1	0.35mi
27 Rudolph St Mc Kees Rocks, PA	3.0	1.0	1084	$1,100	$1.01	2d	1	0.40mi
614 Woodward Ave McKees Rocks, PA	2.0	1.0	1000	$950	$0.95	8d	1	0.42mi
933 Woodward Ave Unit MC McKees Rocks, PA	2.0	1.0	1100	$1,400	$1.27	24d	1	0.52mi
933 Woodward Ave Unit NA McKees Rocks, PA	2.0	1.0	1100	$1,400	$1.27	20d	1	0.52mi
907 Chartiers Ave Unit 2 McKees Rocks, PA	2.0	1.0	900	$1,100	$1.22	24d	1	0.54mi
214 Erwin Pl Mc Kees Rocks, PA	3.0	1.0	1026	$1,685	$1.64	44d	1	0.59mi
802 13th St Unit 2 McKees Rocks, PA	2.0	1.0	1100	$920	$0.84	44d	1	0.65mi
178 W Prospect Ave Pittsburgh, PA	2.0	1.0	1035	$975	$0.94	44d	1	1.32mi
160 W Prospect Ave Pittsburgh, PA	1.0	1.0	600	$875	$1.46	44d	1	1.33mi
148 W Prospect Ave Pittsburgh, PA	1.0	1.0	720	$875	$1.22	44d	1	1.34mi

Listing history 25 events

1. 2026-06-18
   days on market $115,000 Active 118 DOM
2. 2026-06-17
   days on market $115,000 Active 117 DOM
3. 2026-06-16
   days on market $115,000 Active 116 DOM
4. 2026-06-15
   price $115,000 Active 115 DOM
5. 2026-06-15
   days on market $125,000 Active 115 DOM
6. 2026-06-13
   days on market $125,000 Active 113 DOM
7. 2026-06-09
   days on market $125,000 Active 109 DOM
8. 2026-06-08
   days on market $125,000 Active 108 DOM
9. 2026-06-07
   days on market $125,000 Active 107 DOM
10. 2026-06-05
    days on market $125,000 Active 104 DOM
11. 2026-06-03
    days on market $125,000 Active 103 DOM
12. 2026-06-02
    days on market $125,000 Active 102 DOM
13. 2026-06-01
    days on market $125,000 Active 101 DOM
14. 2026-05-31
    days on market $125,000 Active 100 DOM
15. 2026-02-19
    listed $135,000 Active 558-char remark

    Show marketing remark (558 chars)

    Deed Book 18724 Page 189 This property spans over 3 separate lots and is located on a quiet, dead-end street. When you walk into the home, you are greeted by a welcoming living room and a spacious eat-in kitchen. Upstairs you will find 2 bedrooms and a full bathroom. The basement contains a utility room with a convenient toilet and shower stall as well as a finished flex space with walkout access to the fenced in yard. One of the lots included in the sale allows for at least 3 off-street parking spots. 1 year AHS home warranty included by sellers!

16. 2017-08-25
    status Under Contract 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

17. 2017-08-25
    soldstatus $42,500 Sold 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

18. 2017-07-14
    historical Contingent 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

19. 2017-07-05
    status Active 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

20. 2017-07-04
    listed $44,900 Active 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

21. 2017-07-03
    historical Expired 1025-char remark

    Show marketing remark (1025 chars)

    2 story 2 bedroom house with 1 full bath upstairs & a shower stall & toilet on the lower level. Large living room with a lighted paddle fan, decorative fireplace & durable bamboo wood flooring. Spacious country kitchen with plenty of space for a large table & chairs with plenty of cabinetry & counter space. The gas stove & refrigerator are included in the sale. Upstairs there is a large master bedroom with a full bath & ample closet space. The second bedroom is a generous size as well with a nice size closet. There is a large finished family room on the lower level with a walk out to the spacious rear/side yards. The mechanicals & the laundry area are in the front portion of the basement. The newer dimensional roof was installed in 2012 & newer multi-pane windows were installed several years ago. The lot next to the house conveys with the sale & has room for at least 3 off-street parking & the large shed on the lot is included with the sale too.

22. 2014-05-24
    price $38,500
23. 2014-05-23
    price $44,000
24. 2014-05-23
    soldstatus $38,500
25. 2014-01-24
    listed $44,000

ⓘ 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: $1,514 · $126/mo
• Projected year-2 tax: $1,666 · $139/mo
• Expected delta: +$151/yr (+$13/mo · 10.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,725
• − Mortgage interest: −$6,442
• − Property taxes: −$1,514
• − Insurance: −$575
• − Repairs & maintenance: −$1,098
• − Management: −$1,098
• − Depreciation: −$3,345
• Taxable loss: −$348
• Est. tax savings @ 24.0%: +$83
• After-tax cash flow: $1,600/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: Sto-Rox SD
• NCES district ID: 4222830
• Math proficiency: 4% ▼ -5.00%
• Reading proficiency: 18% ▼ -4.00%
• Median HH income: $30,268
• Composite: 8.51/100
• National rank: #9904
• State rank: #532 of 539 in PA

Livability — McKees Rocks

• Score: 82/100
• State rank: #143
• US rank: #1154

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McKees Rocks, PA
• County: Allegheny County · 1,022,028 people
• City population: 22,623
• Metro: Pittsburgh, PA
• Population (ZIP): 22,623
• Household income: $69,099
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 768.0

Population outlook (Allegheny County) Hauer SSP2

• Today (2025): 1,250,282 people
• By 2030: 1,256,482 · +0.5%
• By 2040: 1,256,318 · +0.5%
• By 2050: 1,244,169 · -0.5%
• By 2075: 1,197,693 · -4.2%
• By 2100: 1,093,187 · -12.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 18% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Romanian 10% Subsaharan African 3% Scotch-Irish 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 1% Other Indo-European 1%

Political lean MEDSL · Allegheny

• 2024 margin: Strong D (+20.3) · D 59.7% · R 39.4%
• 2008→2024 swing: +4.8pp toward D · 2008: 15.5pp · 2024: 20.3pp
• All cycles: 2024: D+20.3 2020: D+20.4 2016: D+16.4 2012: D+14.4 2008: D+15.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.07%
• Current HPI: 244.6934
• Rent YoY: ▲ 13.12%
• Metro: Pittsburgh, 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

+206.8% since first listed

11 events — show timeline

• 2026-02-19 Listed $135,000 West Penn MLS
• 2017-08-25 Pending — West Penn MLS
• 2017-08-25 Sold (MLS) $42,500 West Penn MLS
• 2017-07-14 Contingent — West Penn MLS
• 2017-07-05 Relisted — West Penn MLS
• 2017-07-04 Listed $44,900 West Penn MLS
• 2017-07-03 Delisted — West Penn MLS
• 2014-05-24 Price Changed $38,500 West Penn MLS
• 2014-05-23 Sold (MLS) $38,500 West Penn MLS
• 2014-05-23 Price Changed $44,000 West Penn MLS
• 2014-01-24 Listed $44,000 West Penn MLS

Property tax history

+14.1%/yr

Latest (2026): $1,514 · +139.9% YoY. Source: county tax records.