153 Grant St · McAdoo, PA 18237

$189,999

3 bd · 1.0 ba · 1,341 sqft · SingleFamily public records · 13 Days on market

Built 1900 Est $166k · 14% 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 +8.3/30.0
• 1% rule +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.3/10.0
• Schools +2.0/10.0
• ARV discount +1.1/15.0

Listing remarks MLS

Great opportunity to own this affordable home. . The home has a 3 season porch, mud room, office, 3 BR potential and spacious first floor plus fenced in yard!

Key facts

• 3 garage spots
• Listed 12 days

Property features AI

Exterior

• Parking: Detached 3-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two levels; Residential zoning
• Construction: Asbestos construction material; Full unfinished basement
• Exterior features: Fenced yard

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heating; Baseboard heat
• Interior features: Eat-in kitchen; Dining room fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $-172 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $160k (16.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (12.7% below list).
• Recommended offer: $160k (16.0% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 69/100 on livability (#811 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: amenities F, commute F, employment 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.
• Zoned schools: Mcadoo-Kelayres El/Ms (math 2% / reading 27%, grade F, #1,323 of 1,518 statewide, top 89%, 839 students, 100% FRL); Hazleton Area Hs (math 53% / reading 8%, grade F, #347 of 437 statewide, top 79%, 3,795 students, 83% FRL) — zoned schools average 91% FRL vs 60% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 13 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 $20k of equity ($1k loan paydown + $19k 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 ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 5y 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 $135k; 41% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $159,529 (16.0% 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 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-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: 0.87% ✗
• Cap rate: 5.20%
• Cash-on-cash: -3.89%
• DSCR: 0.83
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $166,284
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
129 Sheridan St	0.32mi	3/1.0	1,350 (+1%)	6mo	$160,000	$119	79
29 Sherman St	0.25mi	3/1.5	1,280 (-4%)	12mo	$135,000	$105	69
126 Blaine St	0.15mi	3/1.5	1,232 (-8%)	13mo	$135,000	$110	66
233 Rear Sherman Ct	0.21mi	4/1.0 (+1)	1,245 (-7%)	9mo	$155,000	$124	66
19 Madison St	0.59mi	3/1.0	1,300 (-3%)	6mo	$200,000	$154	62
137 Jackson St	0.30mi	2/1.0 (-1)	1,164 (-13%)	0mo	$60,000	$52	58
519 S Hancock St	0.56mi	4/2.0 (+1)	1,392 (+4%)	5mo	$235,000	$169	55
44 Monroe St	0.49mi	3/1.5	1,485 (+11%)	11mo	$145,000	$98	48
415 Grant St	0.47mi	3/1.0	1,152 (-14%)	10mo	$150,000	$130	46
500 Blaine St	0.53mi	3/3.0	1,520 (+13%)	2mo	$220,500	$145	44
629 Hancock St	0.65mi	4/1.5 (+1)	1,249 (-7%)	10mo	$169,000	$135	42
653 Hancock St	0.71mi	3/1.0	1,204 (-10%)	10mo	$148,000	$123	41

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: 21.5%
• Equity multiple: 2.74×
• Total profit: $92,622
• Equity at exit: $171,166

10-year hold

• IRR: 19.5%
• Equity multiple: 6.29×
• Total profit: $281,653
• Equity at exit: $369,126

Cash invested: $53,200 (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 18237

• Home prices YoY: 14.9%
• Active inventory: 13
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,659 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$407 /mo · $4,886/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $-172

Break-even live

Break-even rent $1,877

Max offer price $159,529

Occupancy floor —

Sensitivity live

Price	-10% $-65	-5% $-119	+0% $-172	+5% $-226	+10% $-280
Rent	-10% $-304	-5% $-238	+0% $-172	+5% $-107	+10% $-41
Rate	-1.0pp $-77	-0.5pp $-124	base $-172	+0.5pp $-222	+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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-19
   days on market $189,999 Active 13 DOM
2. 2026-06-18
   days on market $189,999 Active 12 DOM
3. 2026-06-17
   days on market $189,999 Active 11 DOM
4. 2026-06-16
   days on market $189,999 Active 10 DOM
5. 2026-06-15
   days on market $189,999 Active 9 DOM
6. 2026-06-14
   days on market $189,999 Active 7 DOM
7. 2026-06-12
   days on market $189,999 Active 6 DOM
8. 2026-06-09
   days on market $189,999 Active 3 DOM
9. 2026-06-08
   days on market $189,999 Active 2 DOM
10. 2026-06-07
    remarks 132-char remark
11. 2026-06-07
    listed $189,999 Active 1 DOM

ⓘ 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: $4,886 · $407/mo
• Projected year-2 tax: $4,886 · $407/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,902
• − Mortgage interest: −$10,643
• − Property taxes: −$4,886
• − Insurance: −$950
• − Repairs & maintenance: −$1,592
• − Management: −$1,592
• − Depreciation: −$5,527
• Taxable loss: −$5,288
• Est. tax savings @ 24.0%: +$1,269
• After-tax cash flow: $-801/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 — McAdoo

• Score: 69/100
• State rank: #811
• US rank: #8252

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McAdoo, PA
• Population (ZIP): 3,808

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 (65%)
• Race & ethnicity: White 65% Hispanic / Latino 27% Two or more races 16% Asian 1%
• Hispanic origin (detail): Puerto Rican 7% Cuban 1% Dominican 15%
• Common ancestry: Romanian 15% Subsaharan African 3% Iranian 1%
• Foreign-born: 16% · Canada
• Languages at home: 72% English-only · Spanish 17% Other Indo-European 7% Russian/Polish/Slavic 2%

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: ▲ 31.48%
• Current HPI: 242.9507
• 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

+431.5% since first listed

11 events — show timeline

• 2026-06-06 Listed $189,999 LCAR
• 2021-11-16 Sold (Public Records) $135,000 Public Records
• 2021-11-10 Sold (MLS) $135,000 CSVBR
• 2021-11-10 Sold (MLS) $135,000 LCAR
• 2021-11-10 Sold (MLS) $135,000 LCAR
• 2021-11-10 Sold (MLS) $60,000 CSVBR
• 2021-09-07 Listed $155,900 CSVBR
• 2021-09-07 Listed $99,000 CSVBR
• 2021-08-20 Listed $99,000 LCAR
• 2021-08-12 Listed $155,900 LCAR
• 2016-12-19 Sold (Public Records) $35,750 Public Records

Property tax history

+24.8%/yr

Latest (2026): $4,886 · +804.0% YoY. Source: county tax records.