129 N White St · Shenandoah, PA 17976

$109,000

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 185 Days on market

Built 1900 871 sqft lot $89/sqft · 94% above area ↓ 9% 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 +7.8/10.0
• ARV discount +7.5/15.0
• Appreciation +6.9/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks MLS

Beautifully renovated 3-bedroom, 1.5-bath home! This property features new renovations throughout, including a brand-new full bathroom, new flooring, fresh paint, new electrical and plumbing systems, and modern finishes all around. Everything in this home is completely updated — ready for you to move in and enjoy! ?

Key facts

• New plumbing
• Fresh paint
• Full bathroom

Tags

• NEW RENOVATIONS
• FULL BATHROOM
• NEW FLOORING
• FRESH PAINT
• NEW ELECTRICAL
• NEW PLUMBING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $109k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $109k).
• Recommended offer: $96k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 71/100 on livability (#720 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, health & safety A+; Watch: schools D-, commute F, employment F.
• Shenandoah Valley SD (town): math 20% / reading 38% proficiency, ranked #454 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 63 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 $5k of equity ($754 loan paydown + $4k appreciation (3.8% 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 (3.8% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 185 days — a 12% lower offer ($96k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $95,920 (12.0% below list)

Questions for the listing agent

1. It's been on market 185 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: 1.28% ✓
• Cap rate: 11.13%
• Cash-on-cash: 17.26%
• DSCR: 1.77
• GRM: 6.5

CMA / ARV

• ARV (median comp): $56,099
• List price: $109,000
• Delta: 94.30%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
326 Arlington St	0.30mi	3/1.0	1,140 (-7%)	5mo	$42,500	$37	70
16 Gilbert St	0.35mi	4/1.0 (+1)	1,158 (-5%)	4mo	$70,000	$60	67
110 Penn St	0.18mi	4/1.0 (+1)	1,337 (+9%)	17mo	$60,000	$45	57
330 W Poplar St	0.45mi	2/1.0 (-1)	1,120 (-8%)	11mo	$55,000	$49	51
224 Ohio Ave	0.48mi	4/2.0 (+1)	1,386 (+13%)	5mo	$140,000	$101	42
211 Virginia Ave	0.61mi	3/1.5	1,314 (+7%)	20mo	$95,000	$72	41
220 California Ave	0.67mi	3/2.5	1,388 (+13%)	2mo	$250,000	$180	39
258 Indiana Ave	0.48mi	3/1.0	1,407 (+15%)	23mo	$175,000	$124	34

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

Projected returns pro-forma

3.84% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 25.5%
• Equity multiple: 2.51×
• Total profit: $46,009
• Equity at exit: $54,274

10-year hold

• IRR: 25.5%
• Equity multiple: 4.89×
• Total profit: $118,669
• Equity at exit: $87,989

Cash invested: $30,520 (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 17976

• Home prices YoY: 1.3%
• Active inventory: 63
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,400 medium
• Mortgage (P&I): −$572
• Tax from tax record: −$50 /mo · $599/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $439

Break-even live

Break-even rent $844

Max offer price $109,000

Occupancy floor 64%

Sensitivity live

Price	-10% $501	-5% $470	+0% $439	+5% $408	+10% $377
Rent	-10% $328	-5% $384	+0% $439	+5% $494	+10% $550
Rate	-1.0pp $494	-0.5pp $467	base $439	+0.5pp $411	+1.0pp $382

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
230 W Arlington St Shenandoah, PA	3.0	1.0	1143	$1,400	$1.22	44d	1	0.24mi

Listing history 17 events

1. 2026-06-18
   days on market $109,000 Active 185 DOM
2. 2026-06-17
   days on market $109,000 Active 184 DOM
3. 2026-06-16
   days on market $109,000 Active 183 DOM
4. 2026-06-15
   days on market $109,000 Active 182 DOM
5. 2026-06-13
   days on market $109,000 Active 180 DOM
6. 2026-06-12
   days on market $109,000 Active 179 DOM
7. 2026-06-09
   days on market $109,000 Active 176 DOM
8. 2026-06-08
   days on market $109,000 Active 175 DOM
9. 2026-06-08
   days on market $109,000 Active 174 DOM
10. 2026-06-07
    days on market $109,000 Active 173 DOM
11. 2026-06-04
    days on market $109,000 Active 170 DOM
12. 2026-06-02
    days on market $109,000 Active 169 DOM
13. 2026-06-01
    days on market $109,000 Active 168 DOM
14. 2026-05-31
    days on market $109,000 Active 167 DOM
15. 2026-04-17
    price $114,000 323-char remark

    Show marketing remark (323 chars)

    Beautifully renovated 3-bedroom, 1.5-bath home! This property features new renovations throughout, including a brand-new full bathroom, new flooring, fresh paint, new electrical and plumbing systems, and modern finishes all around. Everything in this home is completely updated — ready for you to move in and enjoy! ?

16. 2026-02-04
    price $119,500 323-char remark

    Show marketing remark (323 chars)

    Beautifully renovated 3-bedroom, 1.5-bath home! This property features new renovations throughout, including a brand-new full bathroom, new flooring, fresh paint, new electrical and plumbing systems, and modern finishes all around. Everything in this home is completely updated — ready for you to move in and enjoy! ?

17. 2025-12-15
    listed $124,900 Active 323-char remark

    Show marketing remark (323 chars)

    Beautifully renovated 3-bedroom, 1.5-bath home! This property features new renovations throughout, including a brand-new full bathroom, new flooring, fresh paint, new electrical and plumbing systems, and modern finishes all around. Everything in this home is completely updated — ready for you to move in and enjoy! ?

ⓘ 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: $599 · $50/mo
• Projected year-2 tax: $1,161 · $97/mo
• Expected delta: +$561/yr (+$47/mo · 93.7%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 71% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,800
• − Mortgage interest: −$6,106
• − Property taxes: −$599
• − Insurance: −$545
• − Repairs & maintenance: −$1,344
• − Management: −$1,344
• − Depreciation: −$3,171
• Taxable income: $3,691
• Est. tax owed @ 24.0%: −$886
• After-tax cash flow: $4,383/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: Shenandoah Valley SD
• NCES district ID: 4221490
• Math proficiency: 20% ▼ -8.00%
• Reading proficiency: 38% ▼ -6.00%
• Median HH income: $31,968
• Composite: 23.58/100
• National rank: #7851
• State rank: #454 of 539 in PA

Livability — Shenandoah

• Score: 71/100
• State rank: #720
• US rank: #7134

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Shenandoah, PA
• City population: 5,988
• Population (ZIP): 5,988

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 34% Two or more races 12% Black 2%
• Hispanic origin (detail): Mexican 10% Puerto Rican 8% Dominican 11%
• Common ancestry: Romanian 20% Iranian 2% Scotch-Irish 2%
• Foreign-born: 10% · Canada
• Languages at home: 68% English-only · Spanish 30% Russian/Polish/Slavic 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: ▲ 3.84%
• Current HPI: 308.8036
• 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

-8.7% since first listed

3 events — show timeline

• 2026-04-17 Price Changed $114,000 BRIGHT MLS
• 2026-02-04 Price Changed $119,500 BRIGHT MLS
• 2025-12-15 Listed $124,900 BRIGHT MLS

Property tax history

+1.1%/yr

Latest (2025): $599 · +3.3% YoY. Source: county tax records.