21 Prescott St · Cressona, PA 17929

$175,000

3 bd · 1.0 ba · 1,217 sqft · SingleFamily public records · 7 Days on market

Built 1948 6,098 sqft lot Est $152k · 15% over

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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).

• Appreciation +10.0/10.0
• Cash flow +8.0/30.0
• Schools +4.6/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +2.0/10.0
• ARV discount +0.7/15.0

Listing remarks MLS

Great Home with fantastic yard. Located in Blue Mountain School District, this Three Bedroom Ranch is ready to move in. Open and Spacious living room with TONS of Windows and fresh paint Eat in Kitchen with refrigerator, dishwasher and stove. Ample closet space including huge walk in closet in hall. Sewing room or more storage too! Outside is a back covered porch w/ 220 line leading to a sunny yard. Great Basement with Additional Shower and Sink. Lots of Parking in driveway! Oversized Single Garage, with enough room for two cars! Come take a look!!

Key facts

• Practical floor plan
• Nice sized yard
• First floor living

Tags

• FIRST FLOOR LIVING
• PRIVATE SETTING
• NICE SIZED YARD
• OUTDOOR SPACE
• 2 CAR GARAGE
• PRACTICAL FLOOR PLAN

Property features AI

Exterior

• Parking: Detached oversized garage with 2 garage spaces; Driveway with about 6 parking spaces; Total of about 8 garage and parking spaces
• Utilities: Public water; Public sewer; Electric cooling fuel; Oil for heating and hot water
• Home design: Detached single-family home; Estimated year built; major renovation/effective year 2026
• Construction: Vinyl siding; Block foundation; Replacement windows
• Exterior features: Patio(s); Porch(es); Not in a federal flood zone

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: 3 bedrooms on the main level; Room list includes: Master bedroom, Bedroom 1, Bedroom 2
• Flooring: Laminate plank flooring; Carpet
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Baseboard hot water heating (oil-fired); Wall unit cooling (electric); Oil hot water
• Interior features: Eat-in kitchen; Partial, unfinished basement (about 80% footprint)
• Laundry & utility: Laundry in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-181 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $143k (18.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $126k (27.8% below list).
• Recommended offer: $126k (27.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#343 in PA, #3,022 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Blue Mountain SD (town): math 42% / reading 65% proficiency, ranked #126 of 539 in PA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Blue Mountain Ms (math 25% / reading 60%, grade D-, #216 of 512 statewide, top 43%, 575 students, 34% FRL); Blue Mountain Hs (math 62%, 803 students, 29% FRL).
• Market conditions: 13 active listings in the ZIP; 2 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 $19k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 11y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $89k; list at $175k implies a 97% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate 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 $126,263 (27.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1948 — 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. 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 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: 0.72% ✗
• Cap rate: 5.05%
• Cash-on-cash: -4.42%
• DSCR: 0.80
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $152,125
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8 Columbia Ave	0.18mi	4/1.0 (+1)	1,198 (-2%)	6mo	$150,000	$125	79
10 Columbia Ave	0.18mi	3/1.0	1,186 (-2%)	17mo	$155,000	$131	73
147 Pottsville St	0.14mi	3/1.0	1,308 (+8%)	15mo	$65,000	$50	69
72 Schuylkill St	0.50mi	3/2.0	1,328 (+9%)	1mo	$249,000	$188	57
627 N Garfield Ave	0.71mi	3/1.0	1,140 (-6%)	4mo	$75,000	$66	53
97 Walnut St	0.68mi	3/2.0	1,272 (+4%)	5mo	$155,000	$122	52
400 Willow Rd	0.72mi	4/1.0 (+1)	1,200 (-1%)	10mo	$235	—	51
612 Orchard Ave	0.60mi	3/1.0	1,092 (-10%)	5mo	$300,000	$275	51
57 Schuylkill St	0.53mi	2/1.0 (-1)	1,092 (-10%)	10mo	$189,900	$174	45
313 Wilder St	0.48mi	2/1.0 (-1)	1,102 (-9%)	21mo	$120,000	$109	39
80 Cherry St	0.54mi	3/1.5	1,344 (+10%)	22mo	$200,000	$149	38
302 Caldwell St	0.66mi	3/2.0	1,384 (+14%)	13mo	$165,000	$119	32

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.1%
• Equity multiple: 2.71×
• Total profit: $83,809
• Equity at exit: $157,654

10-year hold

• IRR: 19.1%
• Equity multiple: 6.22×
• Total profit: $255,848
• Equity at exit: $339,987

Cash invested: $49,000 (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 17929

• Home prices YoY: 7.0%
• Active inventory: 13
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,263 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$187 /mo · $2,249/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $-181

Break-even live

Break-even rent $1,491

Max offer price $143,103

Occupancy floor —

Sensitivity live

Price	-10% $-81	-5% $-131	+0% $-181	+5% $-230	+10% $-280
Rent	-10% $-280	-5% $-230	+0% $-181	+5% $-131	+10% $-81
Rate	-1.0pp $-92	-0.5pp $-136	base $-181	+0.5pp $-226	+1.0pp $-272

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
503 Dock St Apt B Schuylkill Haven, PA	2.0	1.0	850	$1,050	$1.24	44d	1	0.70mi
136 W Main St Schuylkill Haven, PA	3.0	2.0	1400	$1,500	$1.07	44d	1	0.97mi

Listing history 12 events

1. 2026-06-07
   remarks 560-char remark
2. 2026-06-07
   pricestatusdays on market $175,000 Pending 7 DOM
3. 2026-06-04
   remarks 547-char remark
4. 2026-06-04
   days on market $169,999 Active 5 DOM
5. 2026-06-02
   days on market $169,999 Active 4 DOM
6. 2026-06-01
   days on market $169,999 Active 3 DOM
7. 2026-05-31
   days on market $169,999 Active 2 DOM
8. 2026-05-29
   listed $169,999 Active
9. 2016-05-13
   soldstatus $89,000 554-char remark

   Show marketing remark (554 chars)

   Great Home with fantastic yard. Located in Blue Mountain School District, this Three Bedroom Ranch is ready to move in. Open and Spacious living room with TONS of Windows and fresh paint Eat in Kitchen with refrigerator, dishwasher and stove. Ample closet space including huge walk in closet in hall. Sewing room or more storage too! Outside is a back covered porch w/ 220 line leading to a sunny yard. Great Basement with Additional Shower and Sink. Lots of Parking in driveway! Oversized Single Garage, with enough room for two cars! Come take a look!!

10. 2016-05-13
    soldstatus $89,000

    Show marketing remark (554 chars)

    Great Home with fantastic yard. Located in Blue Mountain School District, this Three Bedroom Ranch is ready to move in. Open and Spacious living room with TONS of Windows and fresh paint Eat in Kitchen with refrigerator, dishwasher and stove. Ample closet space including huge walk in closet in hall. Sewing room or more storage too! Outside is a back covered porch w/ 220 line leading to a sunny yard. Great Basement with Additional Shower and Sink. Lots of Parking in driveway! Oversized Single Garage, with enough room for two cars! Come take a look!!

11. 2016-03-26
    historical 554-char remark

    Show marketing remark (554 chars)

    Great Home with fantastic yard. Located in Blue Mountain School District, this Three Bedroom Ranch is ready to move in. Open and Spacious living room with TONS of Windows and fresh paint Eat in Kitchen with refrigerator, dishwasher and stove. Ample closet space including huge walk in closet in hall. Sewing room or more storage too! Outside is a back covered porch w/ 220 line leading to a sunny yard. Great Basement with Additional Shower and Sink. Lots of Parking in driveway! Oversized Single Garage, with enough room for two cars! Come take a look!!

12. 2015-07-28
    listed $89,000 554-char remark

    Show marketing remark (554 chars)

    Great Home with fantastic yard. Located in Blue Mountain School District, this Three Bedroom Ranch is ready to move in. Open and Spacious living room with TONS of Windows and fresh paint Eat in Kitchen with refrigerator, dishwasher and stove. Ample closet space including huge walk in closet in hall. Sewing room or more storage too! Outside is a back covered porch w/ 220 line leading to a sunny yard. Great Basement with Additional Shower and Sink. Lots of Parking in driveway! Oversized Single Garage, with enough room for two cars! Come take a look!!

ⓘ 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: $2,249 · $187/mo
• Projected year-2 tax: $2,507 · $209/mo
• Expected delta: +$258/yr (+$22/mo · 11.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥97°F today · 17 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,152
• − Mortgage interest: −$9,803
• − Property taxes: −$2,249
• − Insurance: −$875
• − Repairs & maintenance: −$1,212
• − Management: −$1,212
• − Depreciation: −$5,091
• Taxable loss: −$5,290
• Est. tax savings @ 24.0%: +$1,270
• After-tax cash flow: $-897/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: Blue Mountain SD
• NCES district ID: 4203870
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $58,661
• Composite: 46.42/100
• National rank: #2454
• State rank: #126 of 539 in PA

Livability — Cressona

• Score: 77/100
• State rank: #343
• US rank: #3022

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cressona, PA
• City population: 1,369
• Population (ZIP): 1,369

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% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Romanian 7% Polish 5% Iranian 4%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 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: ▲ 13.90%
• Current HPI: 211.4846
• 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

+91.0% since first listed

5 events — show timeline

• 2026-05-29 Listed $169,999 BRIGHT MLS
• 2016-05-13 Sold (Public Records) $89,000 Public Records
• 2016-05-13 Sold (MLS) $89,000 BRIGHT MLS
• 2016-03-26 Listing Removed — BRIGHT MLS
• 2015-07-28 Listed $89,000 BRIGHT MLS

Property tax history

+2.0%/yr

Latest (2025): $2,249 · +9.4% YoY. Source: county tax records.