120 Stephens St, Johnstown, PA 15905

3 bd · 1.5 ba · 1,720 sqft · built 1920 · Johnstown · SINGLE_FAMILY·source listing ↗

$33,900

$39,900 first listed

seller intel

Price cut

−15.0%

from $39,900

Motivation score

50/100

OnePercent model (vv1)$1,327/mo

p10–p90 confidence band

HUD Fair Market Rent · 15905 · 3BR$1,570/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Cambria

Flood risk indexRelatively Low FEMA NRI

Median household income$69,212

Median area rent$865/mo

Median home value$123,700

the verdict

3.91%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$33,900

3.91% · rent $1,327

Intrinsic value · income approach

$119,517

72% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.