2014 W Center St · Porter, PA 17981

$60,000

3 bd · 1.0 ba · 1,406 sqft · MultiFamily public records · 86 Days on market

Built 1920 8,712 sqft lot ↓ 13% 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 +15.0/30.0
• ARV discount +7.5/15.0
• Appreciation +5.5/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

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

Unlock the potential of this charming Colonial-style property, built in 1920, situated on a generous 0.2-acre lot. This detached home presents a unique investment opportunity for those looking to capitalize on a major rehab project. With a solid foundation of vinyl siding, brick, and frame construction, the property is primed for transformation into a lucrative rental or resale asset. The home currently requires significant renovations, allowing investors to customize the layout and finishes to meet market demands. The spacious lot offers ample parking with a driveway accommodating up to four vehicles, enhancing its appeal to future tenants or buyers. Located in a developing area, this property is positioned for appreciation, making it an ideal candidate for a fix-and-flip strategy or long-term rental investment. The absence of an HOA means no additional fees, maximizing your profit margins. With no pool or additional structures, the focus remains on the main residence, simplifying renovation plans. The partial basement provides extra storage or potential for additional living space, further increasing the property's value. Seize this opportunity to invest in a property with significant upside potential. Transform this Colonial gem into a modern masterpiece and watch your investment flourish in a competitive market. Don't miss out on this chance to create value and generate returns!

Key facts

• Ample parking
• Frame construction
• Vinyl siding

Tags

• 0.2 ACRE LOT
• VINYL SIDING
• BRICK CONSTRUCTION
• FRAME CONSTRUCTION
• SIGNIFICANT RENOVATIONS
• AMPLE PARKING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath multifamily listed at $60k.

Deal economics

• At list price, monthly cash flow is $2k ($26k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $60k).
• Recommended offer: $56k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Williams Valley SD (rural): math 16% / reading 44% proficiency, ranked #442 of 539 in PA (top 82%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 11 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $996 of equity ($415 loan paydown + $581 appreciation (1.0% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($56k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

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

Recommended offer $56,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 6% 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. 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. 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?
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 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: 5.38% ✓
• Cap rate: 49.06%
• Cash-on-cash: 152.72%
• DSCR: 7.80
• GRM: 1.5

CMA / ARV

• ARV (median comp): $206,532
• List price: $60,000
• Delta: -70.95%
• Verdict: UNDERPRICED
• Comps: 20 within 2.0 mi

Projected returns pro-forma

0.97% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 9.17×
• Total profit: $137,258
• Equity at exit: $20,385

10-year hold

• IRR: —
• Equity multiple: 19.23×
• Total profit: $306,224
• Equity at exit: $27,014

Cash invested: $16,800 (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 17981

• Home prices YoY: 0.4%
• Active inventory: 11
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $3,230 medium
• Mortgage (P&I): −$315
• Tax from tax record: −$74 /mo · $887/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$678
• Net cashflow: $2,138

Break-even live

Break-even rent $523

Max offer price $60,000

Occupancy floor 29%

3-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 3× units	2	1	$3,231
Total (3 units)			$3,230

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: $15,000
• Closing costs: $1,800
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
245 Main St Tremont, PA	2.0	1.0	1100	$1,200	$1.09	21d	1	1.34mi

Listing history 20 events

1. 2026-06-18
   days on market $60,000 Active 86 DOM
2. 2026-06-17
   days on market $60,000 Active 85 DOM
3. 2026-06-16
   days on market $60,000 Active 84 DOM
4. 2026-06-15
   days on market $60,000 Active 83 DOM
5. 2026-06-14
   days on market $60,000 Active 81 DOM
6. 2026-06-13
   days on market $60,000 Active 80 DOM
7. 2026-06-10
   days on market $60,000 Active 78 DOM
8. 2026-06-09
   days on market $60,000 Active 77 DOM
9. 2026-06-09
   price $60,000 Active 76 DOM
10. 2026-06-08
    days on market $64,999 Active 76 DOM
11. 2026-06-07
    days on market $64,999 Active 75 DOM
12. 2026-06-05
    days on market $64,999 Active 72 DOM
13. 2026-06-03
    days on market $64,999 Active 71 DOM
14. 2026-06-02
    days on market $64,999 Active 70 DOM
15. 2026-06-01
    days on market $64,999 Active 69 DOM
16. 2026-05-31
    days on market $64,999 Active 68 DOM
17. 2026-05-31
    days on market $64,999 Active 67 DOM
18. 2026-05-06
    price $69,999 1405-char remark

    Show marketing remark (1405 chars)

    Unlock the potential of this charming Colonial-style property, built in 1920, situated on a generous 0.2-acre lot. This detached home presents a unique investment opportunity for those looking to capitalize on a major rehab project. With a solid foundation of vinyl siding, brick, and frame construction, the property is primed for transformation into a lucrative rental or resale asset. The home currently requires significant renovations, allowing investors to customize the layout and finishes to meet market demands. The spacious lot offers ample parking with a driveway accommodating up to four vehicles, enhancing its appeal to future tenants or buyers. Located in a developing area, this property is positioned for appreciation, making it an ideal candidate for a fix-and-flip strategy or long-term rental investment. The absence of an HOA means no additional fees, maximizing your profit margins. With no pool or additional structures, the focus remains on the main residence, simplifying renovation plans. The partial basement provides extra storage or potential for additional living space, further increasing the property's value. Seize this opportunity to invest in a property with significant upside potential. Transform this Colonial gem into a modern masterpiece and watch your investment flourish in a competitive market. Don't miss out on this chance to create value and generate returns!

19. 2026-04-07
    price $75,000 1405-char remark

    Show marketing remark (1405 chars)

    Unlock the potential of this charming Colonial-style property, built in 1920, situated on a generous 0.2-acre lot. This detached home presents a unique investment opportunity for those looking to capitalize on a major rehab project. With a solid foundation of vinyl siding, brick, and frame construction, the property is primed for transformation into a lucrative rental or resale asset. The home currently requires significant renovations, allowing investors to customize the layout and finishes to meet market demands. The spacious lot offers ample parking with a driveway accommodating up to four vehicles, enhancing its appeal to future tenants or buyers. Located in a developing area, this property is positioned for appreciation, making it an ideal candidate for a fix-and-flip strategy or long-term rental investment. The absence of an HOA means no additional fees, maximizing your profit margins. With no pool or additional structures, the focus remains on the main residence, simplifying renovation plans. The partial basement provides extra storage or potential for additional living space, further increasing the property's value. Seize this opportunity to invest in a property with significant upside potential. Transform this Colonial gem into a modern masterpiece and watch your investment flourish in a competitive market. Don't miss out on this chance to create value and generate returns!

20. 2026-03-24
    listed $80,000 Active 1405-char remark

    Show marketing remark (1405 chars)

    Unlock the potential of this charming Colonial-style property, built in 1920, situated on a generous 0.2-acre lot. This detached home presents a unique investment opportunity for those looking to capitalize on a major rehab project. With a solid foundation of vinyl siding, brick, and frame construction, the property is primed for transformation into a lucrative rental or resale asset. The home currently requires significant renovations, allowing investors to customize the layout and finishes to meet market demands. The spacious lot offers ample parking with a driveway accommodating up to four vehicles, enhancing its appeal to future tenants or buyers. Located in a developing area, this property is positioned for appreciation, making it an ideal candidate for a fix-and-flip strategy or long-term rental investment. The absence of an HOA means no additional fees, maximizing your profit margins. With no pool or additional structures, the focus remains on the main residence, simplifying renovation plans. The partial basement provides extra storage or potential for additional living space, further increasing the property's value. Seize this opportunity to invest in a property with significant upside potential. Transform this Colonial gem into a modern masterpiece and watch your investment flourish in a competitive market. Don't miss out on this chance to create value and generate returns!

ⓘ 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: $887 · $74/mo
• Projected year-2 tax: $917 · $76/mo
• Expected delta: +$31/yr (+$3/mo · 3.4%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥93°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $38,760
• − Mortgage interest: −$3,361
• − Property taxes: −$887
• − Insurance: −$300
• − Repairs & maintenance: −$3,101
• − Management: −$3,101
• − Depreciation: −$1,745
• Taxable income: $26,265
• Est. tax owed @ 24.0%: −$6,304
• After-tax cash flow: $19,354/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: Williams Valley SD
• NCES district ID: 4226400
• Math proficiency: 16% ▼ -11.00%
• Reading proficiency: 44% ▼ -7.00%
• Median HH income: $47,317
• Composite: 25.84/100
• National rank: #7354
• State rank: #442 of 539 in PA

Livability — Porter

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 2,619

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 (97%)
• Race & ethnicity: White 97% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Iranian 5% Polish 3% Romanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 1% German/W. Germanic 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: ▲ 0.97%
• Current HPI: 226.8211
• 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

-12.5% since first listed

3 events — show timeline

• 2026-05-06 Price Changed $69,999 BRIGHT MLS
• 2026-04-07 Price Changed $75,000 BRIGHT MLS
• 2026-03-24 Listed $80,000 BRIGHT MLS

Property tax history

+2.5%/yr

Latest (2025): $887 · +12.6% YoY. Source: county tax records.