214 W Coal St · Shenandoah, PA 17976

$54,900

3 bd · 1.5 ba · 1,204 sqft · SingleFamily public records · 28 Days on market

Built 1900 871 sqft lot $46/sqft · 17% below area Est $67k · 17% under

---

Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

Move in ready 3 bedroom row in Shenandoah. Fenced backyard. Cheaper than rent or build your portfolio with this move in ready property.

Key facts

• Built 1900
• Listed 28 days

Property features AI

Finance

• Other: Fee simple ownership; Property condition listed as average; Above-grade finished area approximately 1,204 sq. ft. (estimated)

Exterior

• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Estimated year built
• Construction: Aluminum siding; Shingle roof; Concrete perimeter foundation
• Exterior features: Not in a federal flood zone; No tidal water

Interior

• Bedrooms: 3 bedrooms on main level
• Bathrooms: 1 full bathroom on main level; 1 half bathroom on main level; Total: 1 full bath, 1 half bath
• Heating & cooling: Radiator heating; Oil-fired heat; Electric hot water
• Interior features: Full basement; Estimated living area

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $55k.

Deal economics

• At list price, monthly cash flow is $727 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $55k).
• Recommended offer: $54k (1.5% below list) — sets the bar for market timing.
• Cap rate 22.2% vs local median 12.3% in Shenandoah — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

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 $2k of equity ($380 loan paydown + $2k 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 $15k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($54k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 15y ago; this cycle's ask has dropped $20k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $44k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $54,076 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 2.55% ✓
• Cap rate: 22.17%
• Cash-on-cash: 56.72%
• DSCR: 3.52
• GRM: 3.3

CMA / ARV

• ARV (median comp): $66,521
• List price: $54,900
• Delta: -17.47%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
326 Arlington St	0.09mi	3/1.0	1,140 (-5%)	5mo	$42,500	$37	81
16 Gilbert St	0.15mi	4/1.0 (+1)	1,158 (-4%)	4mo	$70,000	$60	76
110 Penn St	0.06mi	4/1.0 (+1)	1,337 (+11%)	17mo	$60,000	$45	58
330 W Poplar St	0.35mi	2/1.0 (-1)	1,120 (-7%)	11mo	$55,000	$49	56
211 Virginia Ave	0.52mi	3/1.5	1,314 (+9%)	20mo	$95,000	$72	44

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: 62.6%
• Equity multiple: 4.60×
• Total profit: $55,404
• Equity at exit: $27,336

10-year hold

• IRR: 61.4%
• Equity multiple: 9.42×
• Total profit: $129,441
• Equity at exit: $44,318

Cash invested: $15,372 (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: 3.3×

Monthly cashflow live

• Estimated rent: $1,400 medium
• Mortgage (P&I): −$288
• Tax est. 1.5%: −$69 /mo · $824/yr
• Insurance: −$23
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $727

Break-even live

Break-even rent $480

Max offer price $54,900

Occupancy floor 43%

Sensitivity live

Price	-10% $765	-5% $746	+0% $727	+5% $708	+10% $689
Rent	-10% $616	-5% $671	+0% $727	+5% $782	+10% $837
Rate	-1.0pp $754	-0.5pp $741	base $727	+0.5pp $712	+1.0pp $698

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: $13,725
• Closing costs: $1,647
• 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	0.05mi

Listing history 16 events

1. 2026-06-08
   days on market $54,900 Active 28 DOM
2. 2026-06-08
   days on market $54,900 Active 27 DOM
3. 2026-06-07
   days on market $54,900 Active 26 DOM
4. 2026-06-04
   days on market $54,900 Active 23 DOM
5. 2026-06-02
   days on market $54,900 Active 22 DOM
6. 2026-06-01
   days on market $54,900 Active 21 DOM
7. 2026-05-31
   days on market $54,900 Active 20 DOM
8. 2026-05-14
   price $54,900 509-char remark
9. 2026-05-11
   listed $74,900 Active 509-char remark
10. 2019-01-08
    soldstatus $25,000 Closed 135-char remark

    Show marketing remark (135 chars)

    Move in ready 3 bedroom row in Shenandoah. Fenced backyard. Cheaper than rent or build your portfolio with this move in ready property.

11. 2018-12-18
    status Pending 135-char remark

    Show marketing remark (135 chars)

    Move in ready 3 bedroom row in Shenandoah. Fenced backyard. Cheaper than rent or build your portfolio with this move in ready property.

12. 2018-12-13
    listed $25,000 Active 135-char remark

    Show marketing remark (135 chars)

    Move in ready 3 bedroom row in Shenandoah. Fenced backyard. Cheaper than rent or build your portfolio with this move in ready property.

13. 2012-03-29
    soldstatus $14,000

    Show marketing remark (252 chars)

    WELL MAINTAINED, MOVE RIGHT IN. THIS HOME HAS A MODERN KITCHEN, LARGE LIVING ROOM, FINISHED BASEMENT FOR EXTRA LIVING AREA, 3 LARGE BEDROOMS, LARGE BATH. LARGE OPEN STAIRWAY IN LIVING ROOM. NICE SIZE YARD. Mailing Address Continued: SHENANDOAH Amp: 100

14. 2012-03-21
    soldstatus $14,000
15. 2012-02-17
    historical

    Show marketing remark (252 chars)

    WELL MAINTAINED, MOVE RIGHT IN. THIS HOME HAS A MODERN KITCHEN, LARGE LIVING ROOM, FINISHED BASEMENT FOR EXTRA LIVING AREA, 3 LARGE BEDROOMS, LARGE BATH. LARGE OPEN STAIRWAY IN LIVING ROOM. NICE SIZE YARD. Mailing Address Continued: SHENANDOAH Amp: 100

16. 2011-06-10
    listed $14,000

    Show marketing remark (252 chars)

    WELL MAINTAINED, MOVE RIGHT IN. THIS HOME HAS A MODERN KITCHEN, LARGE LIVING ROOM, FINISHED BASEMENT FOR EXTRA LIVING AREA, 3 LARGE BEDROOMS, LARGE BATH. LARGE OPEN STAIRWAY IN LIVING ROOM. NICE SIZE YARD. Mailing Address Continued: SHENANDOAH Amp: 100

ⓘ 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 3/10 Moderate 7 d/yr ≥92°F today · 16 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,800
• − Mortgage interest: −$3,075
• − Property taxes: −$824
• − Insurance: −$274
• − Repairs & maintenance: −$1,344
• − Management: −$1,344
• − Depreciation: −$1,597
• Taxable income: $8,342
• Est. tax owed @ 24.0%: −$2,002
• After-tax cash flow: $6,717/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

+214.3% since first listed

10 events — show timeline

• 2026-06-05 Sold (MLS) $44,000 BRIGHT MLS
• 2026-05-14 Price Changed $54,900 BRIGHT MLS
• 2026-05-11 Listed $74,900 BRIGHT MLS
• 2019-01-08 Sold (MLS) $25,000 BRIGHT MLS
• 2018-12-18 Pending — BRIGHT MLS
• 2018-12-13 Listed $25,000 BRIGHT MLS
• 2012-03-29 Sold (MLS) $14,000 BRIGHT MLS
• 2012-03-21 Sold (Public Records) $14,000 Public Records
• 2012-02-17 Listing Removed — BRIGHT MLS
• 2011-06-10 Listed $14,000 BRIGHT MLS

Property tax history

+16.5%/yr

Latest (2026): $4,112 · +381.1% YoY. Source: county tax records.