219 Peacock St · Pottsville, PA 17901

$69,000

4 bd · 2.0 ba · 1,468 sqft · SingleFamily public records · 40 Days on market

Built 1920

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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
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

2 family 4 Bedrooms 2 Bathroom 1468 Sqft. 2.5 Stories Fully Rehabbed 2-Family Turnkey Unit + Value-Add & amp; Strong Cash Flow Potential A rare opportunity to acquire a well-positioned 2-family property combining modern upgrades with immediate upside. Ideal for investors, house hackers, or buyers seeking both lifestyle and long-term equity growth. The upstairs unit has been fully rehabbed with a clean, elevated finish; featuring all new flooring throughout, ceramic tile in the kitchen and bathroom, and a 200-amp electrical upgrade to support today & acirc; & euro; & trade; s living standards. The space is move-in ready and well-suited for premium rental income or comfortab

Key facts

• Move-in ready
• Fully rehabbed
• Modern upgrades

Tags

• FULLY REHABBED
• MODERN UPGRADES
• NEW FLOORING
• CERAMIC TILE
• 200-AMP ELECTRICAL UPGRADE
• MOVE-IN READY

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $69k.

Deal economics

• At list price, monthly cash flow is $733 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $69k).
• Recommended offer: $67k (3.0% below list) — sets the bar for market timing.
• Cap rate 19.0% vs local median 7.5% in Pottsville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $477 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($67k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $776; list at $69k implies a 8792% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $66,930 (3.0% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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.
6. 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.
7. 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: 2.22% ✓
• Cap rate: 19.03%
• Cash-on-cash: 45.50%
• DSCR: 3.02
• GRM: 3.8

CMA / ARV

• ARV (on-the-fly): $140,928
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
665 N 2nd St	0.21mi	5/1.0 (+1)	1,496 (+2%)	9mo	$85,000	$57	71
607 N 8th St	0.41mi	3/2.0 (-1)	1,400 (-5%)	10mo	$196,000	$140	60
901 Fairview St	0.40mi	3/1.0 (-1)	1,388 (-5%)	5mo	$145,000	$104	59
326 E Race St	0.50mi	3/1.5 (-1)	1,530 (+4%)	7mo	$90,000	$59	57
800 Mine St	0.51mi	3/1.0 (-1)	1,392 (-5%)	3mo	$35,000	$25	56
412 Wheeler St	0.48mi	4/1.0	1,526 (+4%)	15mo	$150,000	$98	55
939 S Seneca St	0.41mi	3/2.0 (-1)	1,322 (-10%)	13mo	$205,000	$155	48
315 N George St	0.49mi	4/1.0	1,600 (+9%)	16mo	$45,000	$28	45
436 Wheeler St	0.50mi	3/1.5 (-1)	1,678 (+14%)	4mo	$300,000	$179	43
401 W Race St	0.50mi	4/2.5	1,636 (+11%)	16mo	$127,000	$78	42
1342 Mount Hope Ave	0.63mi	3/1.0 (-1)	1,412 (-4%)	17mo	$135,000	$96	41
331 E Arch St	0.56mi	3/1.0 (-1)	1,300 (-11%)	11mo	$80,000	$62	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.7% rent growth · sell at horizon

5-year hold

• IRR: 45.7%
• Equity multiple: 3.06×
• Total profit: $39,768
• Equity at exit: $10,288

10-year hold

• IRR: 52.7%
• Equity multiple: 6.87×
• Total profit: $113,322
• Equity at exit: $5,966

Cash invested: $19,320 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $1,531 high
• Mortgage (P&I): −$362
• Tax est. 1.5%: −$86 /mo · $1,035/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$321
• Net cashflow: $733

Break-even live

Break-even rent $604

Max offer price $69,000

Occupancy floor 47%

Sensitivity live

Price	-10% $780	-5% $756	+0% $733	+5% $709	+10% $685
Rent	-10% $612	-5% $672	+0% $733	+5% $793	+10% $853
Rate	-1.0pp $767	-0.5pp $750	base $733	+0.5pp $715	+1.0pp $696

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: $17,250
• Closing costs: $2,070
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	45d	1	0.31mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	45d	1	0.47mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	45d	1	0.56mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	45d	1	0.63mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	45d	1	0.68mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	45d	1	0.72mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	45d	1	0.72mi
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	45d	1	0.88mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	45d	1	0.89mi

Listing history 20 events

1. 2026-06-21
   days on market $69,000 Active 40 DOM
2. 2026-06-19
   days on market $69,000 Active 38 DOM
3. 2026-06-18
   days on market $69,000 Active 37 DOM
4. 2026-06-17
   days on market $69,000 Active 36 DOM
5. 2026-06-16
   days on market $69,000 Active 35 DOM
6. 2026-06-15
   days on market $69,000 Active 34 DOM
7. 2026-06-14
   days on market $69,000 Active 32 DOM
8. 2026-06-12
   days on market $69,000 Active 31 DOM
9. 2026-06-09
   days on market $69,000 Active 28 DOM
10. 2026-06-08
    days on market $69,000 Active 27 DOM
11. 2026-06-07
    days on market $69,000 Active 26 DOM
12. 2026-06-07
    days on market $69,000 Active 25 DOM
13. 2026-06-04
    days on market $69,000 Active 22 DOM
14. 2026-06-02
    days on market $69,000 Active 21 DOM
15. 2026-06-01
    days on market $69,000 Active 20 DOM
16. 2026-05-31
    days on market $69,000 Active 19 DOM
17. 2026-05-31
    days on market $69,000 Active 18 DOM
18. 2026-05-12
    listed $69,000 Active 975-char remark
19. 2003-04-25
    soldstatus $776
20. 2000-12-15
    soldstatus $28,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,370
• − Mortgage interest: −$3,865
• − Property taxes: −$1,035
• − Insurance: −$345
• − Repairs & maintenance: −$1,470
• − Management: −$1,470
• − Depreciation: −$2,007
• Taxable income: $8,179
• Est. tax owed @ 24.0%: −$1,963
• After-tax cash flow: $6,827/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

Population outlook (Schuylkill County) Hauer SSP2

• Today (2025): 137,447 people
• By 2030: 133,121 · -3.1%
• By 2040: 124,172 · -9.7%
• By 2050: 115,611 · -15.9%
• By 2075: 100,796 · -26.7%
• By 2100: 86,667 · -36.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Schuylkill

• 2024 margin: Solid R (+42.1) · D 28.5% · R 70.6%
• 2008→2024 swing: -33.4pp toward R · 2008: -8.7pp · 2024: -42.1pp
• All cycles: 2024: R+42.1 2020: R+39.9 2016: R+43.4 2012: R+13.4 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, PA
• 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

+146.4% since first listed

3 events — show timeline

• 2026-05-12 Listed $69,000 FSBO.com
• 2003-04-25 Sold (Public Records) $776 Public Records
• 2000-12-15 Sold (Public Records) $28,000 Public Records

Property tax history

+27.5%/yr

Latest (2026): $3,894 · +966.7% YoY. Source: county tax records.