521 West Dr · Swatara, PA 17111

$199,900

2 bd · 1.0 ba · 1,560 sqft · SingleFamily public records · 31 Days on market

Built 1953 10,019 sqft lot Est $279k · 28% under

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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 +18.2/30.0
• ARV discount +15.0/15.0
• DSCR +5.7/10.0
• 1% rule +4.7/10.0
• Schools +3.6/10.0
• Rent growth +3.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

GREAT OPPORTUNITY TO EARN SOME SWEAT EQUITY!!! Come with a vision and make it a reality in this 3 Bedroom 1 Bathroom Cape Cod Home in need of some TLC. This home features Vinyl siding, Vinyl Windows, Architectural Shingle Roof, Newer Cost Efficient Natural Gas Furnace in 2022, Central Air Conditioning, Hardwood Floors and Off Street Parking. Home is being sold AS-IS and the price reflects repairs/renovations needed. Lower taxes add to this homes appeal as well as easy access to major routes for commuting. Virtual photos have been added and identified as virtual to show buyers the potential post renovation of the home.

Key facts

• 0.23 acre lot
• Parking
• Built 1953

Property features AI

Finance

• Financial info: Ownership: Fee simple; Improvement assessed value reported; Land assessed value reported; Tax assessed value reported

Exterior

• Parking: Concrete driveway; Driveway parking (1 space); On-street parking; Total of 1 garage/parking space
• Security: No pets allowed
• Utilities: Public water; Natural gas for heating and hot water; Electric cooling
• Home design: Detached property; Frame construction
• Construction: Architectural shingle roof; Block foundation
• Exterior features: Not in a federal flood zone

Interior

• Kitchen: Oven/Range - Gas; Dishwasher
• Bedrooms: 3 bedrooms on the main level
• Flooring: Hardwood
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric)
• Interior features: Walkout, unfinished basement; Two or more access exits; Below average condition
• Laundry & utility: Washer; Dryer; Hot water: Natural gas

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $178 ($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 $195k (2.6% below list).
• Recommended offer: $194k (3.0% 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.
• Central Dauphin SD (suburban): math 30% / reading 52% proficiency, ranked #305 of 539 in PA (top 57%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Chambers Hill El Sch (math 27% / reading 47%, grade F, #1,004 of 1,518 statewide, top 68%, 258 students, 100% FRL); Swatara Ms (math 13% / reading 34%, grade F, #424 of 512 statewide, top 83%, 539 students, 99% FRL); Central Dauphin East Shs (math 50% / reading 15%, grade F, #330 of 437 statewide, top 76%, 1,590 students, 100% FRL) — zoned schools average 99% FRL vs 33% district-wide (66 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 186 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 540 units permitted in Dauphin County in 2024 (194 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $56k; list at $200k implies a 260% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.97% ✗
• Cap rate: 7.36%
• Cash-on-cash: 3.81%
• DSCR: 1.17
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $279,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7981 Chambers Hill Rd	0.09mi	3/2.0 (+1)	1,540 (-1%)	7mo	$375,000	$244	79
8108 Spruce Dr	0.09mi	3/1.5 (+1)	1,686 (+8%)	8mo	$199,900	$119	69
550 Ridge Ave	0.15mi	3/2.0 (+1)	1,636 (+5%)	17mo	$227,000	$139	62
783 Blue Jay Rd	0.49mi	3/1.5 (+1)	1,635 (+5%)	1mo	$261,500	$160	62
830 Cardinal Dr	0.41mi	3/1.5 (+1)	1,602 (+3%)	13mo	$275,000	$172	58
7770 Robin Rd	0.38mi	3/1.5 (+1)	1,690 (+8%)	6mo	$290,000	$172	56
7780 Robin Rd	0.36mi	3/1.5 (+1)	1,690 (+8%)	13mo	$310,000	$183	51
570 Ridge Ave	0.15mi	3/2.5 (+1)	1,362 (-13%)	15mo	$234,000	$172	48
799 Martin Ln	0.47mi	3/1.5 (+1)	1,352 (-13%)	1mo	$315,000	$233	48
585 Cardinal Dr	0.44mi	3/2.5 (+1)	1,690 (+8%)	18mo	$321,200	$190	40
921 Lark Dr	0.54mi	3/1.5 (+1)	1,352 (-13%)	13mo	$301,750	$223	35
8755 Presidents Dr	0.73mi	3/1.5 (+1)	1,700 (+9%)	19mo	$305,000	$179	28

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: -9.5%
• Equity multiple: 0.65×
• Total profit: $-19,551
• Equity at exit: $29,806

10-year hold

• IRR: 1.0%
• Equity multiple: 1.07×
• Total profit: $3,874
• Equity at exit: $17,284

Cash invested: $55,972 (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 17111

• Rents YoY: 3.8%
• Active inventory: 186
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,946 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$228 /mo · $2,739/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $178

Break-even live

Break-even rent $1,721

Max offer price $199,900

Occupancy floor 86%

Sensitivity live

Price	-10% $291	-5% $234	+0% $178	+5% $121	+10% $65
Rent	-10% $24	-5% $101	+0% $178	+5% $255	+10% $332
Rate	-1.0pp $278	-0.5pp $229	base $178	+0.5pp $126	+1.0pp $73

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7546 Stephen Dr Harrisburg, PA	3.0	2.5	1740	$2,050	$1.18	45d	1	0.85mi
7466 Stephen Dr Harrisburg, PA	3.0	2.5	2000	$2,499	$1.25	46d	1	0.91mi
7466 Stephen Dr Harrisburg, PA	2.0–3.0	2.5	1626	$1,789	$1.10	15d	1	0.91mi
7214 Huntingdon St Harrisburg, PA	2.0	2.5	1374	$1,900	$1.38	45d	1	1.04mi

Listing history 20 events

1. 2026-06-21
   days on market $199,900 Active 31 DOM
2. 2026-06-18
   days on market $199,900 Active 28 DOM
3. 2026-06-17
   days on market $199,900 Active 27 DOM
4. 2026-06-16
   days on market $199,900 Active 26 DOM
5. 2026-06-15
   days on market $199,900 Active 25 DOM
6. 2026-06-14
   days on market $199,900 Active 23 DOM
7. 2026-06-13
   pricedays on market $199,900 Active 22 DOM
8. 2026-06-10
   days on market $220,000 Active 20 DOM
9. 2026-06-09
   days on market $220,000 Active 19 DOM
10. 2026-06-08
    days on market $220,000 Active 18 DOM
11. 2026-06-07
    days on market $220,000 Active 17 DOM
12. 2026-06-05
    days on market $220,000 Active 14 DOM
13. 2026-06-03
    days on market $220,000 Active 13 DOM
14. 2026-06-02
    days on market $220,000 Active 12 DOM
15. 2026-06-01
    days on market $220,000 Active 11 DOM
16. 2026-05-31
    days on market $220,000 Active 10 DOM
17. 2026-05-31
    days on market $220,000 Active 9 DOM
18. 2026-05-22
    listed $220,000 Active
19. 2026-05-19
    historical $220,000
20. 1988-06-16
    soldstatus $55,500

ⓘ 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: $2,739 · $228/mo
• Projected year-2 tax: $2,949 · $246/mo
• Expected delta: +$210/yr (+$17/mo · 7.7%)

ⓘ 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 · 14 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,357
• − Mortgage interest: −$11,198
• − Property taxes: −$2,739
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,869
• − Management: −$1,869
• − Depreciation: −$5,815
• Taxable loss: −$1,131
• Est. tax savings @ 24.0%: +$272
• After-tax cash flow: $2,405/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: Central Dauphin SD
• NCES district ID: 4205400
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $62,792
• Composite: 36.46/100
• National rank: #4664
• State rank: #305 of 539 in PA

Livability — Swatara

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

Census & demographics

• County: Dauphin County · 247,857 people
• Metro: Harrisburg-Carlisle, PA
• Population (ZIP): 36,744
• Household income: $86,385
• Rent vs Own: 33.5% rent · 66.5% own
• Severe rent burden: 756.0

Population outlook (Dauphin County) Hauer SSP2

• Today (2025): 281,628 people
• By 2030: 283,549 · +0.7%
• By 2040: 285,385 · +1.3%
• By 2050: 286,188 · +1.6%
• By 2075: 291,053 · +3.3%
• By 2100: 282,374 · +0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 53% Black 22% Asian 13% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 4% Lithuanian 1% Serbian 1%
• Foreign-born: 14% · India, Canada, Vietnam
• Languages at home: 83% English-only · Other Indo-European 7% Spanish 6% Vietnamese 1%

Political lean MEDSL · Dauphin

• 2024 margin: Lean D (+5.9) · D 52.4% · R 46.5% · Other 1.1%
• 2008→2024 swing: -3.1pp toward R · 2008: 9.1pp · 2024: 5.9pp
• All cycles: 2024: D+5.9 2020: D+8.5 2016: D+2.8 2012: D+6.0 2008: D+9.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -140.67%
• Current HPI: 236.6936
• Rent YoY: ▲ 3.76%
• Metro: Harrisburg-Carlisle, 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

+296.4% since first listed

3 events — show timeline

• 2026-05-22 Listed $220,000 BRIGHT MLS
• 2026-05-19 Coming Soon $220,000 BRIGHT MLS
• 1988-06-16 Sold (Public Records) $55,500 Public Records

Property tax history

+1.9%/yr

Latest (2026): $2,739 · +5.5% YoY. Source: county tax records.