2115 Schuylkill Ave · Renovo, PA 17764

$105,000

3 bd · 1.0 ba · 1,400 sqft · SingleFamily public records · 53 Days on market

Built 1910 7,492 sqft lot $75/sqft · 23% above area Est $85k · 23% over

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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 +25.2/30.0
• DSCR +8.2/10.0
• 1% rule +6.2/10.0
• Schools +3.2/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +1.4/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Charming 3 bedroom, 2 bath home with lovely woodwork! Main floor doors, trim, and stairs have been lovingly updated. Check out the custom brand new solid hardwood flooring in both family rooms. The first floor of the home features a full bath, fireplace, a kitchen with Jenn-Aire grill and wall oven, a large mud room, and a separate sun room with dog door out to the large, fenced-in yard. The second floor has three bedrooms, all with brand new hardwood floors. Upstairs bath has new tile, tub, toilet, and drywall. The master has a main room with a sitting room, and a door to the attic. Near Memorial Park with gorgeous views! Call Tracy Knoebel at 570-220-3214 for your personal tour

Key facts

• 7,492 sq ft lot
• 2 garage spots
• Built 1910

Property features AI

Exterior

• Parking: Attached front-entry garage with 2 spaces
• Utilities: Public water; Public sewer
• Home design: Detached property; Year built estimated; Lot dimensions from assessor
• Construction: Stick built construction; Stone foundation; Unknown roof
• Exterior features: Detached structure; Above-grade and below-grade other structures; Tidal water not present

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom on the first upper level
• Heating & cooling: Forced air heating; Other heating fuel; Other hot water source
• Interior features: Unfinished basement; Living area estimated

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#1,424 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: schools D, crime F, amenities F.
• Keystone Central SD (town): math 32% / reading 44% proficiency, ranked #384 of 539 in PA (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 18 active listings in the ZIP; 44 units permitted in Clinton County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Clinton County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 10y 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 $5k; list at $105k implies a 1959% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $101,850 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.12% ✓
• Cap rate: 8.96%
• Cash-on-cash: 9.54%
• DSCR: 1.42
• GRM: 7.4

CMA / ARV

• ARV (median comp): $85,173
• List price: $105,000
• Delta: 23.28%
• Verdict: OVERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -1.9%
• Equity multiple: 0.93×
• Total profit: $-2,131
• Equity at exit: $15,656

10-year hold

• IRR: 7.8%
• Equity multiple: 1.59×
• Total profit: $17,310
• Equity at exit: $9,078

Cash invested: $29,400 (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 17764

• Home prices YoY: -6.0%
• Active inventory: 18
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,178 medium
• Mortgage (P&I): −$551
• Tax from tax record: −$103 /mo · $1,233/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$247
• Net cashflow: $234

Break-even live

Break-even rent $882

Max offer price $105,000

Occupancy floor 75%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-19
   days on market $105,000 Active 53 DOM
2. 2026-06-18
   days on market $105,000 Active 52 DOM
3. 2026-06-17
   days on market $105,000 Active 51 DOM
4. 2026-06-16
   days on market $105,000 Active 50 DOM
5. 2026-06-15
   days on market $105,000 Active 49 DOM
6. 2026-06-14
   days on market $105,000 Active 47 DOM
7. 2026-06-12
   days on market $105,000 Active 46 DOM
8. 2026-06-09
   days on market $105,000 Active 43 DOM
9. 2026-06-08
   days on market $105,000 Active 42 DOM
10. 2026-06-07
    days on market $105,000 Active 41 DOM
11. 2026-06-04
    days on market $105,000 Active 37 DOM
12. 2026-06-02
    days on market $105,000 Active 36 DOM
13. 2026-06-01
    days on market $105,000 Active 35 DOM
14. 2026-05-31
    days on market $105,000 Active 34 DOM
15. 2026-05-31
    days on market $105,000 Active 33 DOM
16. 2026-04-27
    listed $105,000 Active 321-char remark
17. 2026-04-02
    soldstatus $5,100
18. 2016-07-05
    soldstatus $77,503
19. 2016-07-01
    soldstatus 690-char remark

    Show marketing remark (690 chars)

    Charming 3 bedroom, 2 bath home with lovely woodwork! Main floor doors, trim, and stairs have been lovingly updated. Check out the custom brand new solid hardwood flooring in both family rooms. The first floor of the home features a full bath, fireplace, a kitchen with Jenn-Aire grill and wall oven, a large mud room, and a separate sun room with dog door out to the large, fenced-in yard. The second floor has three bedrooms, all with brand new hardwood floors. Upstairs bath has new tile, tub, toilet, and drywall. The master has a main room with a sitting room, and a door to the attic. Near Memorial Park with gorgeous views! Call Tracy Knoebel at 570-220-3214 for your personal tour

20. 2016-03-25
    listed $79,900 690-char remark

    Show marketing remark (690 chars)

    Charming 3 bedroom, 2 bath home with lovely woodwork! Main floor doors, trim, and stairs have been lovingly updated. Check out the custom brand new solid hardwood flooring in both family rooms. The first floor of the home features a full bath, fireplace, a kitchen with Jenn-Aire grill and wall oven, a large mud room, and a separate sun room with dog door out to the large, fenced-in yard. The second floor has three bedrooms, all with brand new hardwood floors. Upstairs bath has new tile, tub, toilet, and drywall. The master has a main room with a sitting room, and a door to the attic. Near Memorial Park with gorgeous views! Call Tracy Knoebel at 570-220-3214 for your personal tour

21. 1999-11-09
    soldstatus $17,000

ⓘ 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: $1,233 · $103/mo
• Projected year-2 tax: $1,446 · $121/mo
• Expected delta: +$213/yr (+$18/mo · 17.3%)

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

Taxation est. · year 1

• Rental income: $14,139
• − Mortgage interest: −$5,882
• − Property taxes: −$1,233
• − Insurance: −$525
• − Repairs & maintenance: −$1,131
• − Management: −$1,131
• − Depreciation: −$3,055
• Taxable income: $1,183
• Est. tax owed @ 24.0%: −$284
• After-tax cash flow: $2,520/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: Keystone Central SD
• NCES district ID: 4212725
• Math proficiency: 32% ▼ -6.00%
• Reading proficiency: 44% ▼ -10.00%
• Median HH income: $42,713
• Composite: 32.09/100
• National rank: #5810
• State rank: #384 of 539 in PA

Livability — Renovo

• Score: 61/100
• State rank: #1424
• US rank: #18059

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Renovo, PA
• Population (ZIP): 2,460

Population outlook (Clinton County) Hauer SSP2

• Today (2025): 39,048 people
• By 2030: 38,812 · -0.6%
• By 2040: 38,011 · -2.7%
• By 2050: 36,931 · -5.4%
• By 2075: 34,077 · -12.7%
• By 2100: 29,683 · -24.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Romanian 3% Italian 2% Russian 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Clinton

• 2024 margin: Solid R (+40.9) · D 29.1% · R 70.0%
• 2008→2024 swing: -38.1pp toward R · 2008: -2.8pp · 2024: -40.9pp
• All cycles: 2024: R+40.9 2020: R+36.3 2016: R+34.8 2012: R+11.3 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -7.16%
• Current HPI: 111.66
• 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

+517.6% since first listed

6 events — show timeline

• 2026-04-27 Listed $105,000 BRIGHT MLS
• 2026-04-02 Sold (Public Records) $5,100 Public Records
• 2016-07-05 Sold (Public Records) $77,503 Public Records
• 2016-07-01 Sold (MLS) — WBVAR
• 2016-03-25 Listed $79,900 WBVAR
• 1999-11-09 Sold (Public Records) $17,000 Public Records

Property tax history

+1.5%/yr

Latest (2026): $1,233 · +5.5% YoY. Source: county tax records.