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2822 Main Steet
B Composite 72.76
Why this score? — see what drove the B 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 +30.0/30.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • ARV discount +7.5/15.0
  • Appreciation +4.6/10.0
  • Livability +3.2/5.0
  • Rent growth +2.5/5.0
  • Schools +2.5/10.0
  • Condition / age +2.5/5.0

$55,000

2822 Main Steet · Beallsville, PA 15313
2 bd · 1.0 ba · 1,524 sqft · SingleFamily public records · 163 Days on market
Built 1850 5,401 sqft lot $36/sqft · 64% below area

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

Key facts

  • Extensive renovation
  • 5,401 sq ft lot
  • Built 1850

Tags

EXTENSIVE RENOVATIONHISTORIC ARCHITECTUREHISTORICAL SIGNIFICANCE

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $55k.

Deal economics

  • At list price, monthly cash flow is $521 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $55k).
  • Recommended offer: $48k (12.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 63/100 on livability (#1,301 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B; Watch: schools D-, amenities F, commute F.
  • Bethlehem-Center SD (rural): math 18% / reading 39% proficiency, ranked #448 of 539 in PA (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: 2 active listings in the ZIP; 489 units permitted in Washington County in 2024 (30 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-0.7%/yr); year-one equity from $380 of loan paydown is wiped out by about $406 of value loss. Plan a longer hold.
  • Washington County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
  • At projected returns (-0.7% appreciation + 3.0% rent growth), your $15k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 163 days — a 12% lower offer ($48k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 19y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $36k; list at $55k implies a 54% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1850 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $48,400 (12.0% below list)

Questions for the listing agent

  1. It's been on market 163 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1850 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. 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.
  7. 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.
  8. 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
2.17%
Cap rate
17.65%
Cash-on-cash
40.57%
DSCR
2.81
GRM
3.8

CMA / ARV

ARV (median comp)
$152,766
List price
$55,000
Delta
-64.00%
Verdict
UNDERPRICED
Comps
7 within 1.0 mi

Projected returns pro-forma

-0.74% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
40.6%
Equity multiple
2.93×
Total profit
$29,716
Equity at exit
$13,969
10-year hold
IRR
44.4%
Equity multiple
5.80×
Total profit
$73,918
Equity at exit
$15,267

Cash invested: $15,400 (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.

ZIP-level market 15313

Home prices YoY
-0.6%
Active inventory
2
Price-to-rent
3.8×

Monthly cashflow live

Estimated rent
$1,196 medium interval (Pro) →
Mortgage (P&I)
$288
Tax from tax record
$113 /mo · $1,350/yr
Insurance
$23
HOA
$0
Vacancy / Maint / Mgmt
$251
Net cashflow
$521

Break-even live

Break-even rent $537
Max offer price $55,000
Occupancy floor 51%

Sensitivity live

Price -10% $552 -5% $536 +0% $521 +5% $505 +10% $490
Rent -10% $426 -5% $473 +0% $521 +5% $568 +10% $615
Rate -1.0pp $548 -0.5pp $535 base $521 +0.5pp $506 +1.0pp $492

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
$13,750
Closing costs
$1,650
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 21 events

  1. 2026-06-18
    days on market $55,000 Active 163 DOM
  2. 2026-06-17
    days on market $55,000 Active 162 DOM
  3. 2026-06-16
    days on market $55,000 Active 161 DOM
  4. 2026-06-15
    days on market $55,000 Active 160 DOM
  5. 2026-06-13
    days on market $55,000 Active 158 DOM
  6. 2026-06-09
    days on market $55,000 Active 154 DOM
  7. 2026-06-08
    days on market $55,000 Active 153 DOM
  8. 2026-06-07
    days on market $55,000 Active 152 DOM
  9. 2026-06-03
    days on market $55,000 Active 148 DOM
  10. 2026-06-02
    days on market $55,000 Active 147 DOM
  11. 2026-06-01
    days on market $55,000 Active 146 DOM
  12. 2026-05-31
    days on market $55,000 Active 145 DOM
  13. 2026-01-06
    listed $55,000 Active 974-char remark
    Show marketing remark (974 chars)

    Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

  14. 2025-12-31
    historical Expired 977-char remark
    Show marketing remark (977 chars)

    Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

  15. 2025-09-29
    price $55,000 977-char remark
    Show marketing remark (977 chars)

    Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

  16. 2025-06-24
    price $57,000 977-char remark
    Show marketing remark (977 chars)

    Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

  17. 2025-02-07
    listed $59,000 Active 977-char remark
    Show marketing remark (977 chars)

    Own a Piece of History on the National Road! Located at 2822 Main Street in Beallsville, PA, this 2-bedroom, 1-bathroom home offers a rare opportunity for history lovers and restoration enthusiasts alike. Nestled along the historic Route 40, also known as the National Road, this property carries the charm and character of a bygone era, waiting to be brought back to life. While the home requires extensive renovation, it presents the perfect canvas for those who appreciate historic architecture and the rich stories held within its walls. Beallsville’s prime location along this storied route—once vital to America's westward expansion—offers a unique blend of small-town charm and historical significance. If you're passionate about preserving history and restoring classic homes, this is your chance to reimagine and revitalize a true piece of Beallsville’s past. Don’t miss this incredible opportunity to bring new life to a historic gem!

  18. 2025-01-08
    historical Expired
  19. 2024-10-11
    listed $55,000 Active
  20. 2007-06-29
    soldstatus $35,750
  21. 2007-01-15
    listed $39,900

ⓘ 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
$1,350 · $113/mo
Projected year-2 tax
$1,350 · $113/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥97°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,347
− Mortgage interest
−$3,081
− Property taxes
−$1,350
− Insurance
−$275
− Repairs & maintenance
−$1,148
− Management
−$1,148
− Depreciation
−$1,600
Taxable income
$5,745
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,379
After-tax cash flow
$4,869/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
Bethlehem-Center SD
NCES district ID
4203600
Math proficiency
18% ▼ -14.00%
Reading proficiency
39% ▼ -15.00%
Median HH income
$49,354
Composite
24.81/100
National rank
#7596
State rank
#448 of 539 in PA

Livability — Beallsville

Score
63/100
State rank
#1301
US rank
#16013

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Beallsville, PA
City population
398
Population (ZIP)
398

Population outlook (Washington County) Hauer SSP2

Today (2025)
208,060 people
By 2030
207,168 · -0.4%
By 2040
202,738 · -2.6%
By 2050
195,269 · -6.1%
By 2075
175,588 · -15.6%
By 2100
145,827 · -29.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (92%)
Race & ethnicity
White 92% Two or more races 6%
Common ancestry
Serbian 13% Romanian 7% Scotch-Irish 3%
Languages at home
97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Washington

2024 margin
Strong R (+25.5) · D 36.9% · R 62.4%
2008→2024 swing
-20.8pp toward R · 2008: -4.7pp · 2024: -25.5pp
All cycles
2024: R+25.5 2020: R+22.8 2016: R+25.3 2012: R+13.3 2008: R+4.7

Not yet ingested

Civics

Market trends

HPI YoY
▼ -0.74%
Current HPI
130.776
Rent YoY
Metro
State GDP YoY
▲ 1.68%
F500 in state
34

Industry mix (Fortune 500 HQ in PA)

Industry F500 HQs Revenue

Price history

+37.8% since first listed
9 events — show timeline
  • 2026-01-06 Listed $55,000 West Penn MLS
  • 2025-12-31 Delisted West Penn MLS
  • 2025-09-29 Price Changed $55,000 West Penn MLS
  • 2025-06-24 Price Changed $57,000 West Penn MLS
  • 2025-02-07 Listed $59,000 West Penn MLS
  • 2025-01-08 Delisted West Penn MLS
  • 2024-10-11 Listed $55,000 West Penn MLS
  • 2007-06-29 Sold (MLS) $35,750 West Penn MLS
  • 2007-01-15 Listed $39,900 West Penn MLS

Property tax history

+7.9%/yr

Latest (2026): $1,350 · +4.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…