1420 W Walnut St · Ashland, PA 17921

$110,000

3 bd · 1.0 ba · 1,042 sqft · SingleFamily public records · 370 Days on market

Built 1900 1,742 sqft lot $106/sqft · 71% above area ↓ 31% since listing

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Why this score? — see what drove the C+ 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 +22.1/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +7.1/10.0
• 1% rule +4.8/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

Key facts

• Built 1900
• Listed 369 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $178 ($2k/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 $108k (2.3% below list).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 10.9% in Ashland — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 64/100 on livability (#1,179 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 48 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 $12k of equity ($761 loan paydown + $11k 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.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 370 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $50k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 370 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — 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. 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: 0.98% ✗
• Cap rate: 8.23%
• Cash-on-cash: 6.93%
• DSCR: 1.31
• GRM: 8.5

CMA / ARV

• ARV (median comp): $64,450
• List price: $110,000
• Delta: 70.68%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 W Centre St	0.72mi	2/1.0 (-1)	1,120 (+8%)	5mo	$150,000	$134	45

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: 29.3%
• Equity multiple: 3.31×
• Total profit: $71,195
• Equity at exit: $99,097

10-year hold

• IRR: 25.4%
• Equity multiple: 7.52×
• Total profit: $200,675
• Equity at exit: $213,706

Cash invested: $30,800 (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 17921

• Home prices YoY: 21.7%
• Active inventory: 48
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,075 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$49 /mo · $585/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $178

Break-even live

Break-even rent $850

Max offer price $110,000

Occupancy floor 78%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1313 Spruce St Ashland, PA	2.0	1.0	1350	$1,075	$0.80	43d	1	0.06mi

Listing history 31 events

1. 2026-06-19
   days on market $110,000 Active 370 DOM
2. 2026-06-18
   days on market $110,000 Active 369 DOM
3. 2026-06-17
   days on market $110,000 Active 368 DOM
4. 2026-06-16
   days on market $110,000 Active 367 DOM
5. 2026-06-15
   days on market $110,000 Active 366 DOM
6. 2026-06-14
   days on market $110,000 Active 364 DOM
7. 2026-06-12
   days on market $110,000 Active 363 DOM
8. 2026-06-09
   days on market $110,000 Active 360 DOM
9. 2026-06-08
   days on market $110,000 Active 359 DOM
10. 2026-06-07
    days on market $110,000 Active 358 DOM
11. 2026-06-07
    days on market $110,000 Active 357 DOM
12. 2026-06-04
    days on market $110,000 Active 354 DOM
13. 2026-06-02
    days on market $110,000 Active 353 DOM
14. 2026-06-01
    days on market $110,000 Active 352 DOM
15. 2026-05-31
    days on market $110,000 Active 351 DOM
16. 2026-05-31
    days on market $110,000 Active 350 DOM
17. 2026-05-16
    price $110,000 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

18. 2026-04-04
    status Active 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

19. 2026-03-31
    historical 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

20. 2026-03-18
    status Active 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

21. 2026-03-03
    historical Active Under Contract 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

22. 2026-01-04
    status Active 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

23. 2025-12-31
    historical 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

24. 2025-11-17
    price $119,900 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

25. 2025-10-02
    price $125,500 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

26. 2025-10-02
    status Active 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

27. 2025-09-30
    historical 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

28. 2025-09-09
    price $135,000 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

29. 2025-07-16
    price $155,000 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

30. 2025-05-21
    listed $160,000 Active 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

31. 2025-05-12
    historical $160,000 880-char remark

    Show marketing remark (880 chars)

    Fully renovated home in the heart of Ashland. Enter through the lower level to find a finished area that can work as a bedroom, office, play area. There is also laundry hook up and a half bath. Ascend to the main floor to find a living room with tiled floors and access to a balcony area to relax with your morning coffee. Or use this as the dining room and have the living room right off the open kitchen area that has plenty of cabinets for storage. There is an exterior exit that leads to a covered porch and back yard which is fenced and extends to the back street. The floor has a front bedroom, a middle room which leads to the full bathroom with tub and shower and then a 2nd bedroom. There is a third floor that has heat and needs a little finishing to make another bedroom and still have room for storage. This unique floor plan has much to offer. Come make it your own.

ⓘ 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: $585 · $49/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$576/yr (+$48/mo · 98.5%)

ⓘ 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 4/10 Moderate 7 d/yr ≥95°F today · 16 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: $12,900
• − Mortgage interest: −$6,162
• − Property taxes: −$585
• − Insurance: −$550
• − Repairs & maintenance: −$1,032
• − Management: −$1,032
• − Depreciation: −$3,200
• Taxable income: $339
• Est. tax owed @ 24.0%: −$81
• After-tax cash flow: $2,052/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Ashland

• Score: 64/100
• State rank: #1179
• US rank: #13787

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ashland, PA
• Population (ZIP): 7,029

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 (83%)
• Race & ethnicity: White 83% Black 10% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 10% Iranian 4% Polish 3%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 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: ▲ 62.11%
• Current HPI: 347.8425
• 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

-31.2% since first listed

15 events — show timeline

• 2026-05-16 Price Changed $110,000 BRIGHT MLS
• 2026-04-04 Relisted — BRIGHT MLS
• 2026-03-31 Listing Removed — BRIGHT MLS
• 2026-03-18 Relisted — BRIGHT MLS
• 2026-03-03 Contingent — BRIGHT MLS
• 2026-01-04 Relisted — BRIGHT MLS
• 2025-12-31 Listing Removed — BRIGHT MLS
• 2025-11-17 Price Changed $119,900 BRIGHT MLS
• 2025-10-02 Price Changed $125,500 BRIGHT MLS
• 2025-10-02 Relisted — BRIGHT MLS
• 2025-09-30 Listing Removed — BRIGHT MLS
• 2025-09-09 Price Changed $135,000 BRIGHT MLS
• 2025-07-16 Price Changed $155,000 BRIGHT MLS
• 2025-05-21 Listed $160,000 BRIGHT MLS
• 2025-05-12 Coming Soon $160,000 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $585 · +5.3% YoY. Source: county tax records.