514 W Race St · Pottsville, PA 17901

$159,900

3 bd · 1.0 ba · 1,824 sqft · Townhouse public records · 13 Days on market

Built 1900 2,178 sqft lot Est $115k · 39% 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).

• Cash flow +15.6/30.0
• DSCR +4.8/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• 1% rule +3.5/10.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

Key facts

• 2 garage spots
• Built 1900
• Listed 13 days

Property features AI

Exterior

• Parking: Detached garage (rear entry) with 2 spaces; On-street parking available
• Utilities: 200+ amp electric service; Natural gas available; Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Aluminum siding; Concrete perimeter and stone foundation; Rubber roof; Garage(s) on property; Partial unfinished basement with dirt floor
• Exterior features: Chain link fencing (fully fenced)

Interior

• Kitchen: Electric oven/range
• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Flooring: Luxury vinyl plank flooring
• Bathrooms: One full bathroom on upper levels; One half bathroom on main level
• Heating & cooling: Electric baseboard heat; Electric hot water
• Interior features: Attic; Dining area; Traditional floor plan; Tub with shower

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $160k.

Deal economics

• At list price, monthly cash flow is $68 ($811/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 $136k (15.2% below list).
• Recommended offer: $136k (15.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 8 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; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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 $80k; list at $160k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $135,562 (15.2% 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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?
5. 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.
6. 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.
7. 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: 0.85% ✗
• Cap rate: 6.80%
• Cash-on-cash: 1.81%
• DSCR: 1.08
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $114,912
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
621 Laurel Blvd	0.08mi	3/1.0	1,889 (+4%)	7mo	$95,000	$50	84
809 W Norwegian St	0.22mi	4/1.0 (+1)	1,920 (+5%)	1mo	$120,000	$63	75
222 Fairview St	0.29mi	4/1.0 (+1)	1,884 (+3%)	4mo	$50,000	$27	72
1017 Laurel Blvd	0.25mi	3/1.0	1,596 (-12%)	6mo	$50,000	$31	62
516 Jefferson St	0.68mi	3/1.0	1,800 (-1%)	7mo	$112,500	$63	60
417 E Arch St	0.47mi	3/1.0	1,976 (+8%)	10mo	$130,000	$66	56
519 Greenwood Ave	0.66mi	3/1.0	1,678 (-8%)	1mo	$133,000	$79	55
713 N 3rd St	0.29mi	4/1.0 (+1)	1,559 (-14%)	6mo	$136,000	$87	52
449 Adams St	0.55mi	2/1.0 (-1)	1,680 (-8%)	7mo	$32,875	$20	50
417 E Market St	0.49mi	3/2.0	1,678 (-8%)	12mo	$123,000	$73	50
532 E Norwegian St	0.62mi	3/1.0	1,650 (-10%)	10mo	$36,000	$22	47
540 E Market St	0.64mi	4/2.0 (+1)	1,933 (+6%)	12mo	$90,000	$47	42

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

Projected returns pro-forma

-3.0% appreciation · 5.7% rent growth · sell at horizon

5-year hold

• IRR: -10.7%
• Equity multiple: 0.60×
• Total profit: $-17,865
• Equity at exit: $23,842

10-year hold

• IRR: 1.8%
• Equity multiple: 1.14×
• Total profit: $6,221
• Equity at exit: $13,825

Cash invested: $44,772 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,356 high
• Mortgage (P&I): −$839
• Tax from tax record: −$98 /mo · $1,178/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $68

Break-even live

Break-even rent $1,270

Max offer price $159,900

Occupancy floor 90%

Sensitivity live

Price	-10% $158	-5% $113	+0% $68	+5% $22	+10% $-23
Rent	-10% $-39	-5% $14	+0% $68	+5% $121	+10% $175
Rate	-1.0pp $148	-0.5pp $108	base $68	+0.5pp $26	+1.0pp $-16

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.05mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.16mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	44d	1	0.25mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	44d	1	0.33mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	44d	1	0.64mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	0.73mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	1.30mi
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	44d	1	1.50mi

Listing history 20 events

1. 2026-06-12
   statusdays on market $159,900 Pending 13 DOM
2. 2026-06-09
   days on market $159,900 Active 11 DOM
3. 2026-06-08
   days on market $159,900 Active 10 DOM
4. 2026-06-07
   days on market $159,900 Active 9 DOM
5. 2026-06-07
   days on market $159,900 Active 8 DOM
6. 2026-06-04
   days on market $159,900 Active 5 DOM
7. 2026-06-02
   days on market $159,900 Active 4 DOM
8. 2026-06-01
   days on market $159,900 Active 3 DOM
9. 2026-05-31
   days on market $159,900 Active 2 DOM
10. 2026-05-29
    listed $159,900 Active
11. 2022-05-18
    soldstatus $79,900
12. 2022-05-16
    soldstatus $79,900 Closed 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

13. 2022-05-16
    soldstatus $79,900 Sold 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

14. 2022-04-02
    status Pending 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

15. 2022-04-02
    status Pending 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

16. 2022-03-25
    price $79,900 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

17. 2022-03-25
    price $79,900 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

18. 2022-03-17
    listed $89,900 Active 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

19. 2022-03-17
    listed $89,900 Active 649-char remark

    Show marketing remark (649 chars)

    Here's your chance to stop renting and start owning! Check out this affordable 5 bedroom 1.5 bath home in Pottsville. This home offers ample space with all three finished levels. The main floor features a traditional style layout living room, dining room, kitchen with half bath and first floor laundry. Second level includes a full bath and three bedrooms. Upper level offers even more living space with two additional bedrooms. OVERSIZE DETACHED GARAGE and NO WALK-THROUGH BEDROOMS. Close proximity to downtown shopping. ZERO DOWN USDA Loan Eligible area. Why pay costly rent when you can finance this home for less, call today for a private tour!

20. 1994-12-16
    soldstatus $26,500

ⓘ 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: $1,178 · $98/mo
• Projected year-2 tax: $1,852 · $154/mo
• Expected delta: +$674/yr (+$56/mo · 57.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,267
• − Mortgage interest: −$8,957
• − Property taxes: −$1,178
• − Insurance: −$800
• − Repairs & maintenance: −$1,301
• − Management: −$1,301
• − Depreciation: −$4,652
• Taxable loss: −$1,921
• Est. tax savings @ 24.0%: +$461
• After-tax cash flow: $1,272/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

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: Pottsville, PA
• County: Schuylkill County · 22,371 people
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, PA
• 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

+503.4% since first listed

11 events — show timeline

• 2026-05-29 Listed $159,900 BRIGHT MLS
• 2022-05-18 Sold (Public Records) $79,900 Public Records
• 2022-05-16 Sold (MLS) $79,900 GLVRMLS
• 2022-05-16 Sold (MLS) $79,900 BRIGHT MLS
• 2022-04-02 Pending — GLVRMLS
• 2022-04-02 Pending — BRIGHT MLS
• 2022-03-25 Price Changed $79,900 BRIGHT MLS
• 2022-03-25 Price Changed $79,900 GLVRMLS
• 2022-03-17 Listed $89,900 GLVRMLS
• 2022-03-17 Listed $89,900 BRIGHT MLS
• 1994-12-16 Sold (Public Records) $26,500 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,178 · +8.6% YoY. Source: county tax records.