714 E Sunbury St · Shamokin, PA 17872

$99,900

3 bd · 1.5 ba · 1,912 sqft · SingleFamily · 158 Days on market

Built 1900 Fair condition 0.48 ac lot $52/sqft · 56% above area ↓ 17% since listing

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• ARV discount +7.5/15.0
• Appreciation +6.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.4/10.0
• Condition / age +2.2/5.0

Listing remarks MLS

Calling all investors! Come and see this 3 Bdr 1.5 Bath property currently rented out! It has second floor laundry, a spacious kitchen, and an integral 1 car garage! It is also zoned Commercial - Manufacturing District (buyer to verify) so there is potential for a live/work conversion! Property requires 48 hr notice for all showings as it is tenant occupied.

Key facts

• Spacious kitchen
• Second floor laundry
• 0.48 acre lot

Tags

• SECOND FLOOR LAUNDRY
• SPACIOUS KITCHEN
• INTEGRAL 1 CAR GARAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $100k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $379 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

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: 78 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($691 loan paydown + $2k 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 $28k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 158 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 158 days. Have you received any prior offers? Is the seller open to a 12% 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 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.35% ✓
• Cap rate: 10.84%
• Cash-on-cash: 16.24%
• DSCR: 1.72
• GRM: 6.2

CMA / ARV

• ARV (median comp): $63,852
• List price: $99,900
• Delta: 56.46%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
715 E Commerce St	0.03mi	3/1.0	1,722 (-10%)	3mo	$37,500	$22	77
1108 N Shamokin St	0.21mi	3/2.0	1,952 (+2%)	10mo	$58,000	$30	77
1261 Pulaski Ave	0.47mi	3/1.0	1,900 (-1%)	4mo	$42,000	$22	72
1 E Chestnut St	0.49mi	3/1.5	1,924 (+1%)	10mo	$189,900	$99	68
183 E Dewart St	0.28mi	3/1.5	1,749 (-8%)	6mo	$33,500	$19	68
242 S Shamokin St	0.59mi	3/2.0	1,940 (+2%)	6mo	$47,000	$24	63
8 N Rock St	0.38mi	4/1.5 (+1)	2,048 (+7%)	12mo	$100,000	$49	55
1000 N Orange St N	0.32mi	4/3.0 (+1)	1,832 (-4%)	16mo	$45,000	$25	53
1017 E Dewart St	0.15mi	3/1.5	1,638 (-14%)	19mo	$49,000	$30	53
140 S Market St	0.72mi	3/1.5	1,680 (-12%)	5mo	$105,000	$63	42
10 W Sunbury St	0.50mi	4/1.0 (+1)	1,684 (-12%)	13mo	$67,000	$40	39
1400 Hemlock St	0.60mi	4/1.0 (+1)	1,750 (-8%)	21mo	$110,000	$63	33

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: 20.3%
• Equity multiple: 2.09×
• Total profit: $30,496
• Equity at exit: $38,884

10-year hold

• IRR: 22.5%
• Equity multiple: 3.94×
• Total profit: $82,196
• Equity at exit: $55,598

Cash invested: $27,972 (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: 78
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,353 medium
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,498/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $379

Break-even live

Break-even rent $874

Max offer price $99,900

Occupancy floor 67%

Sensitivity live

Price	-10% $448	-5% $413	+0% $379	+5% $344	+10% $310
Rent	-10% $272	-5% $325	+0% $379	+5% $432	+10% $486
Rate	-1.0pp $429	-0.5pp $404	base $379	+0.5pp $353	+1.0pp $326

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
609 E Commerce St Shamokin, PA	4.0	1.5	1668	$1,500	$0.90	45d	1	0.06mi
2 S Vine St Shamokin, PA	3.0	1.0	1450	$975	$0.67	45d	1	0.35mi
804 W Mulberry St Coal Township, PA	3.0	1.0	1350	$1,075	$0.80	45d	1	1.04mi
1309 W Spruce St Coal Township, PA	3.0	1.0	1275	$825	$0.65	45d	1	1.32mi

Listing history 17 events

1. 2026-06-19
   days on market $99,900 Active 158 DOM
2. 2026-06-18
   days on market $99,900 Active 157 DOM
3. 2026-06-17
   days on market $99,900 Active 156 DOM
4. 2026-06-16
   days on market $99,900 Active 155 DOM
5. 2026-06-15
   days on market $99,900 Active 154 DOM
6. 2026-06-14
   days on market $99,900 Active 152 DOM
7. 2026-06-12
   days on market $99,900 Active 151 DOM
8. 2026-06-09
   days on market $99,900 Active 148 DOM
9. 2026-06-08
   days on market $99,900 Active 147 DOM
10. 2026-06-07
    days on market $99,900 Active 146 DOM
11. 2026-06-03
    days on market $99,900 Active 142 DOM
12. 2026-06-02
    days on market $99,900 Active 141 DOM
13. 2026-06-01
    days on market $99,900 Active 140 DOM
14. 2026-05-31
    days on market $99,900 Active 139 DOM
15. 2026-05-30
    days on market $99,900 Active 138 DOM
16. 2026-04-28
    price $99,900 360-char remark

    Show marketing remark (360 chars)

    Calling all investors! Come and see this 3 Bdr 1.5 Bath property currently rented out! It has second floor laundry, a spacious kitchen, and an integral 1 car garage! It is also zoned Commercial - Manufacturing District (buyer to verify) so there is potential for a live/work conversion! Property requires 48 hr notice for all showings as it is tenant occupied.

17. 2026-01-12
    listed $120,000 Active 360-char remark

    Show marketing remark (360 chars)

    Calling all investors! Come and see this 3 Bdr 1.5 Bath property currently rented out! It has second floor laundry, a spacious kitchen, and an integral 1 car garage! It is also zoned Commercial - Manufacturing District (buyer to verify) so there is potential for a live/work conversion! Property requires 48 hr notice for all showings as it is tenant occupied.

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $16,238
• − Mortgage interest: −$5,596
• − Property taxes: −$1,498
• − Insurance: −$500
• − Repairs & maintenance: −$1,299
• − Management: −$1,299
• − Depreciation: −$2,906
• Taxable income: $3,140
• Est. tax owed @ 24.0%: −$754
• After-tax cash flow: $3,790/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 · 12 photos

Fair 45/100 Moderate rehab

This property requires moderate renovations, focusing on painting, flooring, and exterior siding to significantly improve its value for both resale and rental.

Repairs flagged

• Major Paint — Peeling paint on interior walls
• Major Flooring — Worn carpeted floors
• Moderate Exterior siding — Weathered exterior siding

Value-add opportunities

• Both Paint interior walls and trim — Fresh paint enhances curb appeal and interior aesthetics
• Both Replace worn carpet with hardwood or tile — New flooring improves both resale and rental value
• Both Repair and paint exterior siding — Fresh siding enhances curb appeal and property value

Renovation cost estimate screening

Repair item	Severity	Est. cost
Paint · Peeling paint on interior walls	Major	$15,000–50,000
Flooring · Worn carpeted floors	Major	$15,000–50,000
Exterior siding · Weathered exterior siding	Moderate	$3,000–15,000
Total estimated repair cost · 3 items		$33,000–115,000

Value-add ROI direction

• Both Paint interior walls and trim — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Replace worn carpet with hardwood or tile — New flooring improves both resale and rental value ↑
• Both Repair and paint exterior siding — Fresh siding enhances curb appeal and property value ↑

ⓘ 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

-16.8% since first listed

2 events — show timeline

• 2026-04-28 Price Changed $99,900 CSVBR
• 2026-01-12 Listed $120,000 CSVBR