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431 Elm Rd, Ambridge, PA, 15003

5beds
2baths
--sqft
$145,000
--price/sqft
$1,333/moest. monthly cost
$53,320/yrincome needed

About This Home

Whether you're looking to expand your investment portfolio or offset your mortgage by living in one unit while renting the other, this brick duplex offers flexibility, immediate income, and room to grow. Located in the heart of Ambridge Borough, the property features separately metered gas, electric and water, making ownership and tenant management straightforward. Current rents are below market, offering buyers an opportunity to increase income over time as leases turn over. The lower-level unit is scheduled to be available in September, giving buyers the flexibility to owner-occupy or lease at today's market rate. The main-level apartment (Unit 2) offers the convenience of one-level living with nice entryway, full dining area and adjacent kitchen, two bedrooms, one bath, a welcoming front porch, window air conditioning, private washer and dryer, and exclusive access to a walk-up attic that currently provides abundant storage. The lower-level apartment (Unit 1) features three bedrooms, one full bath, eat-in-kitchen, a private deck and patio, plus the use of the basement for laundry and storage located just below the unit. Looking for additional possibilities? Subject to Borough approval, buyers may wish to explore creating additional living space or an efficiency apartment within the walk-out basement, or expanding the main-level unit by incorporating the walk-up attic. These opportunities allow future owners to tailor the property to their investment goals while building additional value over time. Ambridge continues to attract attention as community improvements, new businesses, local restaurants, breweries, coffee shops, fitness facilities and neighborhood investment contribute to the Borough's ongoing revitalization. Convenient access to Pittsburgh, Pittsburgh International Airport and major commuter routes adds to the appeal, while the Borough's affordability continues to attract both residents and investors seeking long-term value. New furnaces in 2023 & 2025, 2024-2025 replaced refrigerator & mini w/d in Unit 2. Whether you're purchasing your first investment property, adding to your portfolio, or looking for a home where rental income helps offset your mortgage, this duplex offers immediate income today with opportunities to build additional value tomorrow.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
3/10
Ambridge Area High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1916

Materials

  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Multi Family,Multi Family

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2

Property

Details

  • Parcel number: 090030721000
  • Zoning: R
  • Zoning description: R

Lot

  • Lot size: 2,178 sqft
  • Lot size dimensions: See Deed

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Hail
Lightning
Strong Wind

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $733$8,796
Home Insurance *$91$1,092
Property Taxes $285$3,420
Electricity $224$2,692
Total$1,333$15,996
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,702/yr
40% on housing$39,990/yr
45% on housing$35,546/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.1%
10.1%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 15003$115
Beaver County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 15003$113
Beaver County$154

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-07Contingent$145,000
2026-07-28Listed for sale$145,000
2019-12-06Listing removed$650
2019-11-17Listed for rent$650
2018-11-19Sold$64,000
2018-10-03Pending sale$79,000
2018-09-25Listed for sale$79,000
2014-09-10Listing removed$74,900
2014-07-21Price change$74,900
2014-05-21Listed for sale$79,000
2011-05-09Listing removed$74,900
2010-05-09Listed for sale$74,900
2002-03-05Sold$20,500

For Sale by Agent

AgentJan Livingston
BrokeragePIATT SOTHEBY'S INTERNATIONAL REALTY

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