448 Spruce StClearfieldPA16830








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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage


Investment Highlights
Investment property for sale in Clearfield at 448 Spruce St, Clearfield, PA, 16830 with 5% annual appreciation on a $129,900 basis while $2,513/mo rent supports operations. Total monthly income totals $2,513/mo and a $636/mo payment preserves $1,580/mo for cash returns. Annual cash flow comes to $18,954/yr on $43,062 deployed, and return on cash invested reaches 63.93% in year one. Equity gained on principal adds $838/yr, and five-year appreciation sums $35,889 alongside rental yield of 23.21%. Five-year ROI measures 340.24% and total cumulative return in cash totals $146,515.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,513/mo property income versus a $636/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 2002
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16830, Clearfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,854 (100%) |
| Owner Occupied HU | 3,946 (57.6%) |
| Renter Occupied HU | 2,010 (29.3%) |
| Vacant Housing Units | 898 (13.1%) |
| Median Home Value | $124,365 |
| Average Home Value | $164,519 |
Housing Distribution
Address Breakdown
Residential
6,049
Single Family
5,840
Multi-Family
209
Businesses
696
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Listed by: Christian Lezzer • Keller Williams Advantage Realty
Mls Name: Clearfield Jefferson AOR
Mls Provider:
Mls ID: #05-11458
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