9 Pine St · Sheppton, PA 18248

$150,000

4 bd · 1.0 ba · 2,432 sqft · SingleFamily public records · 76 Days on market

Built 1924 4,160 sqft lot $62/sqft · 53% below area

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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 +17.4/30.0
• ARV discount +7.5/15.0
• DSCR +5.4/10.0
• Appreciation +5.0/10.0
• 1% rule +4.3/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Spacious 5-Bedroom Fixer-Upper with Endless Potential - As-Is SaleCalling all investors, renovators, and visionaries! This spacious 5-bedroom, 2 full bathroom home offers approximately 2,400 square feet of opportunity. With its generous size and flexible layout, this property is the perfect canvas for your next project.

Key facts

• 4,160 sq ft lot
• Garage
• Listed 75 days

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $113 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $139k (7.4% below list).
• Recommended offer: $139k (7.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#1,375 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime C-, schools D-, amenities F.
• Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 7 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($1k loan paydown + $4k appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y ago; this cycle's ask has dropped $60k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $40k; list at $150k implies a 275% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $138,837 (7.4% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Built in 1924 — 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. 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?
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: 0.93% ✗
• Cap rate: 7.20%
• Cash-on-cash: 3.24%
• DSCR: 1.14
• GRM: 9.0

CMA / ARV

• ARV (median comp): $530,049
• List price: $150,000
• Delta: -71.70%
• Verdict: UNDERPRICED
• Comps: 10 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
32 Hemlock Dr	0.29mi	4/3.5	2,495 (+3%)	9mo	$500,000	$200	64

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: 10.5%
• Equity multiple: 1.60×
• Total profit: $25,281
• Equity at exit: $67,446

10-year hold

• IRR: 12.8%
• Equity multiple: 2.90×
• Total profit: $79,883
• Equity at exit: $103,943

Cash invested: $42,000 (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 18248

• Active inventory: 7
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,388 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$134 /mo · $1,611/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $113

Break-even live

Break-even rent $1,245

Max offer price $150,000

Occupancy floor 87%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $150,000 Active 76 DOM
2. 2026-06-18
   days on market $150,000 Active 75 DOM
3. 2026-06-17
   days on market $150,000 Active 74 DOM
4. 2026-06-16
   days on market $150,000 Active 73 DOM
5. 2026-06-15
   days on market $150,000 Active 72 DOM
6. 2026-06-14
   days on market $150,000 Active 70 DOM
7. 2026-06-12
   days on market $150,000 Active 69 DOM
8. 2026-06-09
   days on market $150,000 Active 66 DOM
9. 2026-06-08
   days on market $150,000 Active 65 DOM
10. 2026-06-07
    days on market $150,000 Active 64 DOM
11. 2026-06-02
    days on market $150,000 Active 59 DOM
12. 2026-06-01
    days on market $150,000 Active 58 DOM
13. 2026-05-31
    days on market $150,000 Active 57 DOM
14. 2026-05-30
    days on market $150,000 Active 56 DOM
15. 2026-05-08
    price $150,000 321-char remark

    Show marketing remark (321 chars)

    Spacious 5-Bedroom Fixer-Upper with Endless Potential - As-Is SaleCalling all investors, renovators, and visionaries! This spacious 5-bedroom, 2 full bathroom home offers approximately 2,400 square feet of opportunity. With its generous size and flexible layout, this property is the perfect canvas for your next project.

16. 2026-03-28
    listed $210,000 Active 321-char remark

    Show marketing remark (321 chars)

    Spacious 5-Bedroom Fixer-Upper with Endless Potential - As-Is SaleCalling all investors, renovators, and visionaries! This spacious 5-bedroom, 2 full bathroom home offers approximately 2,400 square feet of opportunity. With its generous size and flexible layout, this property is the perfect canvas for your next project.

17. 2016-02-03
    soldstatus $40,000 341-char remark

    Show marketing remark (341 chars)

    Large two story with 5 large bedrooms, 2 baths, two living rooms, dining area an open kitchen. Rear deck and upper deck off of bedroom. Needs some cosmetic upgrading, however, ideal for an investor and first time buyer. May qualify for USDA, FHA and or VA funding. Rear yard, and garage is one stall from a 2 car garage from adjoining owner.

18. 2015-10-24
    listed $49,500 341-char remark

    Show marketing remark (341 chars)

    Large two story with 5 large bedrooms, 2 baths, two living rooms, dining area an open kitchen. Rear deck and upper deck off of bedroom. Needs some cosmetic upgrading, however, ideal for an investor and first time buyer. May qualify for USDA, FHA and or VA funding. Rear yard, and garage is one stall from a 2 car garage from adjoining owner.

ⓘ 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: $1,611 · $134/mo
• Projected year-2 tax: $1,991 · $166/mo
• Expected delta: +$379/yr (+$32/mo · 23.5%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥91°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: $16,660
• − Mortgage interest: −$8,402
• − Property taxes: −$1,611
• − Insurance: −$750
• − Repairs & maintenance: −$1,333
• − Management: −$1,333
• − Depreciation: −$4,364
• Taxable loss: −$1,133
• Est. tax savings @ 24.0%: +$272
• After-tax cash flow: $1,633/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: Hazleton Area SD
• NCES district ID: 4211700
• Math proficiency: 18% ▼ -3.00%
• Reading proficiency: 30% ▼ -15.00%
• Median HH income: $42,247
• Composite: 20.44/100
• National rank: #8582
• State rank: #476 of 539 in PA

Livability — Sheppton

• Score: 62/100
• State rank: #1375
• US rank: #17300

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sheppton, PA
• Population (ZIP): 516

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 (92%)
• Race & ethnicity: White 92% Hispanic / Latino 7%
• Hispanic origin (detail): Puerto Rican 4% Dominican 2%
• Common ancestry: Romanian 9% Danish 4% Polish 4%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: —
• Current HPI: —
• 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

+203.0% since first listed

4 events — show timeline

• 2026-05-08 Price Changed $150,000 LCAR
• 2026-03-28 Listed $210,000 LCAR
• 2016-02-03 Sold (MLS) $40,000 LCAR
• 2015-10-24 Listed $49,500 LCAR

Property tax history

+2.5%/yr

Latest (2025): $1,611 · +9.0% YoY. Source: county tax records.