125 Coal St · Plymouth, PA 18651

$120,000

3 bd · 1.5 ba · 1,456 sqft · SingleFamily public records · 6 Days on market

Built 1940 2,640 sqft lot $82/sqft · 16% below area Est $142k · 16% under

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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 +26.2/30.0
• ARV discount +14.6/15.0
• DSCR +8.9/10.0
• 1% rule +7.5/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity awaits at 125 Coal St in Plymouth! This 3-bedroom, 1.5-bath home offers just under 1,500 sq ft of living space, off-street parking, and hardwood floors throughout the living room. Featuring a unique vintage retro vibe, this property is full of character and ready for your vision. Sold ''as-is'', and priced to sell! No showings until Open House 05/03/26!

Key facts

• 2,640 sq ft lot
• Listed 6 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two stories
• Construction: Aluminum siding
• Exterior features: Patio; Fenced yard; Corner lot

Interior

• Kitchen: Eat-in kitchen
• Flooring: Hardwood floors
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Oil heating; Baseboard heat
• Interior features: Eat-in kitchen; Fireplace in the dining room; Electric water heater; Total of 8 rooms
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $241 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).

Location & tenants

• Location reads 66/100 on livability (#1,068 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: employment D, crime F, amenities F.
• Wyoming Valley West SD (suburban): math 18% / reading 42% proficiency, ranked #445 of 539 in PA (top 83%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 61 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $64k; list at $120k implies a 86% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,000

Questions for the listing agent

1. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.25% ✓
• Cap rate: 9.37%
• Cash-on-cash: 10.98%
• DSCR: 1.49
• GRM: 6.7

CMA / ARV

• ARV (median comp): $142,461
• List price: $120,000
• Delta: -15.77%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
684 Lee St	0.10mi	3/1.0	1,440 (-1%)	3mo	$170,000	$118	89
52 Franklin St	0.16mi	3/1.0	1,434 (-2%)	2mo	$155,000	$108	87
252 Orchard St	0.51mi	3/1.5	1,381 (-5%)	7mo	$175,000	$127	62
198 Reynolds St	0.41mi	3/1.0	1,391 (-4%)	12mo	$134,900	$97	61
341 Mountain Rd	0.48mi	3/1.0	1,378 (-5%)	7mo	$121,900	$88	61
124 Mras St	0.41mi	3/1.5	1,260 (-14%)	0mo	$189,000	$150	58
122 Flat Rd	0.42mi	3/1.5	1,325 (-9%)	11mo	$217,150	$164	56
134 Reynolds St	0.38mi	2/1.0 (-1)	1,302 (-11%)	2mo	$150,000	$115	56
358 Shawnee Ave	0.44mi	3/1.0	1,305 (-10%)	7mo	$137,000	$105	55
968 Main St	0.54mi	3/1.0	1,330 (-9%)	8mo	$89,900	$68	52
123 Academy St	0.52mi	3/2.0	1,589 (+9%)	9mo	$148,000	$93	51
366 Salsbury St	0.52mi	4/1.5 (+1)	1,612 (+11%)	6mo	$88,000	$55	48

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -3.2%
• Equity multiple: 0.88×
• Total profit: $-4,011
• Equity at exit: $17,892

10-year hold

• IRR: 6.6%
• Equity multiple: 1.50×
• Total profit: $16,643
• Equity at exit: $10,375

Cash invested: $33,600 (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 18651

• Home prices YoY: -11.5%
• Active inventory: 61
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,501 high
• Mortgage (P&I): −$629
• Tax from tax record: −$199 /mo · $2,393/yr
• Insurance: −$50
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $241

Break-even live

Break-even rent $1,196

Max offer price $120,000

Occupancy floor 79%

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
134 Blair St Plymouth, PA	3.0	1.0	1300	$1,300	$1.00	21d	1	0.16mi
29 Franklin St Plymouth, PA	3.0	1.0	1426	$1,800	$1.26	14d	1	0.17mi
657 W Main St Plymouth, PA	3.0	1.0	1600	$1,700	$1.06	14d	1	0.20mi
18 North St Plymouth, PA	2.0	1.0	1200	$1,300	$1.08	14d	1	0.22mi
463 2nd St Plymouth, PA	3.0	1.0	1250	$1,500	$1.20	44d	1	0.35mi
338 W Shawnee Ave Plymouth, PA	2.0	1.5	945	$1,550	$1.64	14d	1	0.45mi
210-212 Center Ave Plymouth, PA	3.0	1.0	1300	$1,200	$0.92	44d	1	0.82mi
48 E Shawnee Ave Plymouth, PA	3.0	1.0	1500	$1,250	$0.83	14d	1	0.89mi
617 Fellows Ave Wilkes-Barre, PA	4.0	1.0	1100	$1,395	$1.27	14d	1	1.38mi
241 Gould St Plymouth, PA	2.0	1.0	985	$1,150	$1.17	21d	1	1.40mi
535 W State St Plymouth, PA	3.0	1.0	1600	$1,500	$0.94	44d	1	1.48mi

Listing history 3 events

1. 2026-05-06
   status Pending 367-char remark
2. 2026-04-30
   listed $120,000 Active 367-char remark
3. 2005-01-11
   soldstatus $64,500

ⓘ 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: $2,393 · $199/mo
• Projected year-2 tax: $2,393 · $199/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,016
• − Mortgage interest: −$6,722
• − Property taxes: −$2,393
• − Insurance: −$1,398
• − Repairs & maintenance: −$1,441
• − Management: −$1,441
• − Depreciation: −$3,491
• Taxable income: $1,130
• Est. tax owed @ 24.0%: −$271
• After-tax cash flow: $2,619/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: Wyoming Valley West SD
• NCES district ID: 4225950
• Math proficiency: 18% ▼ -11.00%
• Reading proficiency: 42% ▼ -12.00%
• Median HH income: $42,437
• Composite: 25.38/100
• National rank: #7470
• State rank: #445 of 539 in PA

Livability — Plymouth

• Score: 66/100
• State rank: #1068
• US rank: #12056

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plymouth, PA
• Population (ZIP): 8,672

Population outlook (Luzerne County) Hauer SSP2

• Today (2025): 319,505 people
• By 2030: 319,943 · +0.1%
• By 2040: 322,643 · +1.0%
• By 2050: 330,817 · +3.5%
• By 2075: 379,145 · +18.7%
• By 2100: 431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 10% Black 5% Two or more races 4%
• Hispanic origin (detail): Mexican 3% Dominican 5%
• Common ancestry: Romanian 19% Scotch-Irish 2% Iranian 2%
• Foreign-born: 5% · Canada
• Languages at home: 91% English-only · Spanish 7% Other Indo-European 1%

Political lean MEDSL · Luzerne

• 2024 margin: R (+19.2) · D 40.0% · R 59.2%
• 2008→2024 swing: -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
• All cycles: 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.78%
• Current HPI: 229.6791
• 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

+86.0% since first listed

3 events — show timeline

• 2026-05-06 Pending — LCAR
• 2026-04-30 Listed $120,000 LCAR
• 2005-01-11 Sold (Public Records) $64,500 Public Records

Property tax history

+2.2%/yr

Latest (2026): $2,393 · +1.8% YoY. Source: county tax records.