114-116 N 3rd St · Shamokin, PA 17872

$26,900

1 bd · 1.5 ba · 1,344 sqft · SingleFamily · 47 Days on market

Built 1920 Poor condition 1,306 sqft lot $20/sqft · 47% below area Est $51k · 47% under ↓ 10% since listing

---

Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.4/10.0
• Condition / age +1.0/5.0

Listing remarks

Two-story home in Shamokin, offered as-is and priced to reflect the work. A solid project for an investor or sweat-equity buyer. The first floor is set up as living quarters, with the living room, dining room, kitchen, and bedroom flowing together as one open space. A utility room holds a toilet and sink, with a separate shower nearby, and the first floor includes laundry hookups. The second floor is taken down to the studs, a blank canvas ready to design and finish. The home sits on a fenced lot with a porch, public water and sewer, and gas hot air heat from a wall unit. Roughly 1,344 square feet across two finished floors plus a full basement. Bring your contractor and your vision. Sold a

Key facts

• 1,306 sq ft lot
• Built 1920
• Listed 47 days

Property features AI

Exterior

• Parking: No dedicated parking
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Single family residence; Residential property
• Construction: Built with aluminum, vinyl and wood siding over frame construction; Shingle roof; No foundation details provided
• Exterior features: Front porch; Sidewalks

Interior

• Kitchen: Includes refrigerator
• Bedrooms: Total of 7 rooms (bedroom count not specified)
• Bathrooms: One three-quarter bathroom; One half bathroom
• Heating & cooling: Central air conditioning; Has heating
• Interior features: Refrigerator included; Unfinished basement
• Laundry & utility: Laundry located on the main level

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath single-family listed at $27k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $382 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($789 rent vs $27k).
• Recommended offer: $26k (3.0% below list) — sets the bar for market timing.
• Cap rate 25.8% vs local median 11.4% in Shamokin — 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 68/100 on livability (#887 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: schools D, commute F, employment F.
• Shamokin Area SD (town): math 19% / reading 40% proficiency, ranked #450 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 76 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $698 of equity ($186 loan paydown + $512 appreciation (1.9% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $8k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($26k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $26,093 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 2.93% ✓
• Cap rate: 25.81%
• Cash-on-cash: 69.70%
• DSCR: 4.10
• GRM: 2.8

CMA / ARV

• ARV (median comp): $50,509
• List price: $26,900
• Delta: -46.74%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1039 W Arch St	0.30mi	2/1.5 (+1)	1,300 (-3%)	2mo	$26,500	$20	74
438 W Mulberry St	0.35mi	2/1.5 (+1)	1,432 (+6%)	4mo	$66,000	$46	65
831 W Spruce St	0.20mi	2/1.5 (+1)	1,200 (-11%)	5mo	$44,000	$37	64
1025 W Chestnut St	0.31mi	2/1.0 (+1)	1,300 (-3%)	13mo	$89,000	$68	62
1013 W Pine St	0.36mi	2/1.0 (+1)	1,346 (+0%)	18mo	$92,500	$69	60
347 S 7th St	0.52mi	2/2.0 (+1)	1,414 (+5%)	1mo	$15,000	$11	59
1351 W Walnut St	0.54mi	2/2.0 (+1)	1,440 (+7%)	8mo	$151,000	$105	49
1132 W State St	0.52mi	2/1.0 (+1)	1,188 (-12%)	2mo	$137,000	$115	47
418 E Cameron St	0.74mi	2/1.0 (+1)	1,200 (-11%)	5mo	$21,500	$18	36

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

Projected returns pro-forma

1.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 64.6%
• Equity multiple: 4.46×
• Total profit: $26,085
• Equity at exit: $10,470

10-year hold

• IRR: 65.1%
• Equity multiple: 9.08×
• Total profit: $60,824
• Equity at exit: $14,971

Cash invested: $7,532 (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 17872

• Home prices YoY: 1.6%
• Active inventory: 76
• Price-to-rent: 2.8×

Monthly cashflow live

• Estimated rent: $789 medium
• Mortgage (P&I): −$141
• Tax est. 1.5%: −$34 /mo · $404/yr
• Insurance: −$11
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$166
• Net cashflow: $382

Break-even live

Break-even rent $306

Max offer price $26,900

Occupancy floor 47%

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: $6,725
• Closing costs: $807
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
863 W Spruce St Coal Township, PA	2.0	1.0	1200	$695	$0.58	43d	1	0.25mi
11 S Market St Apt B Rear Shamokin, PA	2.0	1.0	1100	$900	$0.82	43d	1	0.27mi

Listing history 16 events

1. 2026-06-17
   status $26,900 Pending 47 DOM
2. 2026-06-16
   days on market $26,900 Active 47 DOM
3. 2026-06-15
   days on market $26,900 Active 46 DOM
4. 2026-06-14
   days on market $26,900 Active 44 DOM
5. 2026-06-13
   remarks 699-char remark
6. 2026-06-12
   days on market $26,900 Active 43 DOM
7. 2026-06-09
   days on market $26,900 Active 40 DOM
8. 2026-06-09
   price $26,900 Active 39 DOM
9. 2026-06-08
   days on market $29,900 Active 39 DOM
10. 2026-06-07
    days on market $29,900 Active 38 DOM
11. 2026-06-03
    days on market $29,900 Active 34 DOM
12. 2026-06-02
    days on market $29,900 Active 33 DOM
13. 2026-06-01
    days on market $29,900 Active 32 DOM
14. 2026-05-31
    days on market $29,900 Active 31 DOM
15. 2026-05-30
    days on market $29,900 Active 30 DOM
16. 2026-04-30
    listed $29,900 Active 430-char remark

ⓘ 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 9/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $9,469
• − Mortgage interest: −$1,507
• − Property taxes: −$404
• − Insurance: −$801
• − Repairs & maintenance: −$758
• − Management: −$758
• − Depreciation: −$783
• Taxable income: $4,460
• Est. tax owed @ 24.0%: −$1,070
• After-tax cash flow: $3,513/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.

Condition & rehab AI · 11 photos

Poor 20/100 Extensive rehab

This property requires extensive repairs and updates to become move-in ready. Significant structural and aesthetic improvements are needed to increase its value.

Repairs flagged

• Major damaged siding — Structural integrity compromised
• Major roof repair — Visible damage
• Major exterior wall repairs — Exposed structural issues
• Major kitchen cabinets — Worn and outdated
• Major bathroom fixtures — Outdated and worn
• Major HVAC system — Outdated and worn

Value-add opportunities

• Both exterior siding and roof repair — Improves curb appeal and structural integrity
• Both kitchen and bathroom updates — Modernizes spaces and increases functionality
• Both HVAC system replacement — Improves comfort and energy efficiency

Renovation cost estimate screening

Repair item	Severity	Est. cost
damaged siding · Structural integrity compromised	Major	$15,000–50,000
roof repair · Visible damage	Major	$15,000–50,000
exterior wall repairs · Exposed structural issues	Major	$15,000–50,000
kitchen cabinets · Worn and outdated	Major	$15,000–50,000
bathroom fixtures · Outdated and worn	Major	$15,000–50,000
HVAC system · Outdated and worn	Major	$15,000–50,000
Total estimated repair cost · 6 items		$90,000–300,000

Value-add ROI direction

• Both exterior siding and roof repair — Improves curb appeal and structural integrity ↑
• Both kitchen and bathroom updates — Modernizes spaces and increases functionality ↑
• Both HVAC system replacement — Improves comfort and energy efficiency ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Shamokin Area SD
• NCES district ID: 4221240
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 40% ▼ -11.00%
• Median HH income: $35,380
• Composite: 24.31/100
• National rank: #7709
• State rank: #450 of 539 in PA

Livability — Shamokin

• Score: 68/100
• State rank: #887
• US rank: #9448

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: Shamokin, PA
• City population: 9,808
• Population (ZIP): 8,950

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 10% Hispanic / Latino 8% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 14% Iranian 6% Subsaharan African 1%
• Foreign-born: 1%
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.90%
• Current HPI: 124.6288
• 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

-10.0% since first listed

3 events — show timeline

• 2026-06-16 Pending — CSVBR
• 2026-06-08 Price Changed $26,900 CSVBR
• 2026-04-30 Listed $29,900 CSVBR