1 S Jackson St · McClure, PA 17841

$189,000

4 bd · 2.0 ba · 2,220 sqft · MultiFamily · 70 Days on market

Built 1900 7,405 sqft lot $85/sqft · at area comps Est $195k · at est. ↓ 5% since listing

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Why this score? — see what drove the D 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 +10.3/30.0
• ARV discount +8.9/15.0
• Appreciation +5.9/10.0
• Schools +4.1/10.0
• Livability +3.2/5.0
• DSCR +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks MLS

Welcome to this beautifully updated two-story home offering the perfect blend of comfort, character, and space. With 4 bedrooms and 2 full bathrooms, this residence provides ample room for families, guests, or a home office setup. Step inside to discover a spacious interior filled with natural light, enhanced by charming wood accents that add warmth and timeless appeal throughout the home. The inviting living areas are perfect for relaxing or entertaining, featuring a cozy pellet stove that serves as both a functional heat source and a rustic focal point. The kitchen and dining spaces flow seamlessly, creating a welcoming and practical layout for everyday living. Upstairs, you'll find well-appointed bedrooms with plenty of closet space! Outside, the backyard offers possibilities. A shed sits on the property and could easily be converted into a garage, workshop, or additional storage space. Additionally, there is a trailer on-site that is currently occupied by a renter, providing a potential income-producing opportunity. This property combines updates with rustic charm, offering flexibility, warmth, and added value--making it a truly unique place to call home. 24 Hour Notice Please

Key facts

• Two story home
• Spacious interior
• Shed on property

Tags

• TWO STORY HOME
• SPACIOUS INTERIOR
• KITCHEN AND DINING SPACES
• BACKYARD OFFERS POSSIBILITIES
• SHED ON PROPERTY

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath multifamily listed at $189k.

Deal economics

• At list price, monthly cash flow is $-103 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $171k (9.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $137k (27.7% below list).
• Recommended offer: $137k (27.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#1,244 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Midd-West SD (rural): math 41% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 9 active listings in the ZIP; 48 units permitted in Snyder County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (1.9% local appreciation)).
• Snyder County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 7, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($178k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $136,608 (27.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 0.72% ✗
• Cap rate: 5.64%
• Cash-on-cash: -2.33%
• DSCR: 0.90
• GRM: 11.5

CMA / ARV

• ARV (median comp): $195,000
• List price: $189,000
• Delta: -3.08%
• Verdict: FAIR
• Comps: 7 within 1.0 mi

Projected returns pro-forma

1.85% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.09×
• Total profit: $4,957
• Equity at exit: $73,054

10-year hold

• IRR: 5.8%
• Equity multiple: 1.78×
• Total profit: $41,394
• Equity at exit: $104,064

Cash invested: $52,920 (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 17841

• Home prices YoY: 1.6%
• Active inventory: 9
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,366 medium
• Mortgage (P&I): −$991
• Tax from tax record: −$112 /mo · $1,344/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $-103

Break-even live

Break-even rent $1,496

Max offer price $170,854

Occupancy floor —

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: $47,250
• Closing costs: $5,670
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-18
   days on market $189,000 Active 70 DOM
2. 2026-06-17
   days on market $189,000 Active 69 DOM
3. 2026-06-16
   days on market $189,000 Active 68 DOM
4. 2026-06-15
   days on market $189,000 Active 67 DOM
5. 2026-06-13
   days on market $189,000 Active 65 DOM
6. 2026-06-12
   days on market $189,000 Active 64 DOM
7. 2026-06-09
   days on market $189,000 Active 61 DOM
8. 2026-06-08
   days on market $189,000 Active 60 DOM
9. 2026-06-08
   days on market $189,000 Active 59 DOM
10. 2026-06-07
    days on market $189,000 Active 58 DOM
11. 2026-06-04
    days on market $189,000 Active 55 DOM
12. 2026-06-02
    days on market $189,000 Active 54 DOM
13. 2026-06-01
    days on market $189,000 Active 53 DOM
14. 2026-05-31
    days on market $189,000 Active 52 DOM
15. 2026-05-16
    price $189,000 1200-char remark

    Show marketing remark (1200 chars)

    Welcome to this beautifully updated two-story home offering the perfect blend of comfort, character, and space. With 4 bedrooms and 2 full bathrooms, this residence provides ample room for families, guests, or a home office setup. Step inside to discover a spacious interior filled with natural light, enhanced by charming wood accents that add warmth and timeless appeal throughout the home. The inviting living areas are perfect for relaxing or entertaining, featuring a cozy pellet stove that serves as both a functional heat source and a rustic focal point. The kitchen and dining spaces flow seamlessly, creating a welcoming and practical layout for everyday living. Upstairs, you'll find well-appointed bedrooms with plenty of closet space! Outside, the backyard offers possibilities. A shed sits on the property and could easily be converted into a garage, workshop, or additional storage space. Additionally, there is a trailer on-site that is currently occupied by a renter, providing a potential income-producing opportunity. This property combines updates with rustic charm, offering flexibility, warmth, and added value--making it a truly unique place to call home. 24 Hour Notice Please

16. 2026-04-10
    listed $199,900 Active 1200-char remark

    Show marketing remark (1200 chars)

    Welcome to this beautifully updated two-story home offering the perfect blend of comfort, character, and space. With 4 bedrooms and 2 full bathrooms, this residence provides ample room for families, guests, or a home office setup. Step inside to discover a spacious interior filled with natural light, enhanced by charming wood accents that add warmth and timeless appeal throughout the home. The inviting living areas are perfect for relaxing or entertaining, featuring a cozy pellet stove that serves as both a functional heat source and a rustic focal point. The kitchen and dining spaces flow seamlessly, creating a welcoming and practical layout for everyday living. Upstairs, you'll find well-appointed bedrooms with plenty of closet space! Outside, the backyard offers possibilities. A shed sits on the property and could easily be converted into a garage, workshop, or additional storage space. Additionally, there is a trailer on-site that is currently occupied by a renter, providing a potential income-producing opportunity. This property combines updates with rustic charm, offering flexibility, warmth, and added value--making it a truly unique place to call home. 24 Hour Notice Please

ⓘ 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: $1,344 · $112/mo
• Projected year-2 tax: $2,165 · $180/mo
• Expected delta: +$821/yr (+$68/mo · 61.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥94°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,393
• − Mortgage interest: −$10,587
• − Property taxes: −$1,344
• − Insurance: −$945
• − Repairs & maintenance: −$1,311
• − Management: −$1,311
• − Depreciation: −$5,498
• Taxable loss: −$4,605
• Est. tax savings @ 24.0%: +$1,105
• After-tax cash flow: $-128/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: Midd-West SD
• NCES district ID: 4215210
• Math proficiency: 41% ▼ -9.00%
• Reading proficiency: 55% ▼ -8.00%
• Median HH income: $45,875
• Composite: 40.68/100
• National rank: #3675
• State rank: #225 of 539 in PA

Livability — McClure

• Score: 63/100
• State rank: #1244
• US rank: #14957

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McClure, PA
• Population (ZIP): 4,918

Population outlook (Snyder County) Hauer SSP2

• Today (2025): 41,720 people
• By 2030: 42,207 · +1.2%
• By 2040: 42,918 · +2.9%
• By 2050: 43,125 · +3.4%
• By 2075: 42,498 · +1.9%
• By 2100: 39,544 · -5.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98%
• Common ancestry: Polish 4% Serbian 2% Lithuanian 2%
• Foreign-born: 0%
• Languages at home: 96% English-only · German/W. Germanic 4%

Political lean MEDSL · Snyder

• 2024 margin: Solid R (+47.0) · D 26.1% · R 73.2%
• 2008→2024 swing: -17.8pp toward R · 2008: -29.2pp · 2024: -47.0pp
• All cycles: 2024: R+47.0 2020: R+47.4 2016: R+47.3 2012: R+35.9 2008: R+29.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.85%
• Current HPI: 121.5295
• Rent YoY: —
• Metro: —
• 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

-5.5% since first listed

2 events — show timeline

• 2026-05-16 Price Changed $189,000 CSVBR
• 2026-04-10 Listed $199,900 CSVBR

Property tax history

+1.3%/yr

Latest (2026): $1,344 · +1.8% YoY. Source: county tax records.