339 Lasalle St · Berwick, PA 18603

$115,900

4 bd · 2.0 ba · 1,765 sqft · Other public records · 52 Days on market

Built 1975 2,788 sqft lot $66/sqft · 36% below area Est $182k · 36% under

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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 +29.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• Livability +3.8/5.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Investor Special in Berwick, PA! 2-story home with solid bones, fenced yard, covered porch & solar panels already installed. Full cleanout + rehab needed. Huge value-add potential. Perfect fix & flip or rental project. Don’t miss this opportunity! Call, text, or email for details.

Key facts

• Covered porch
• Fenced yard
• Solar panels

Tags

• FENCED YARD
• COVERED PORCH
• SOLAR PANELS

Property features AI

Finance

• Financial info: Ownership is fee simple

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Detached structure; Above-grade living space reported as 1,765 finished (estimated)
• Construction: Brick, aluminum siding, and vinyl siding exterior materials; Brick/mortar foundation; Other above-grade structures
• Exterior features: No tidal water

Interior

• Bedrooms: Four bedrooms on the main level
• Bathrooms: Two full bathrooms (both on the main level)
• Heating & cooling: Hot water heating; Oil-fired heating; Electric cooling fuel
• Interior features: Basement present and unfinished; Living area reported as estimated

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $116k.

Deal economics

• At list price, monthly cash flow is $411 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $116k).
• Recommended offer: $112k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.6% vs local median 5.4% in Berwick — 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 76/100 on livability (#412 in PA, #3,762 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• Berwick Area SD (other): math 32% / reading 57% proficiency, ranked #291 of 539 in PA (top 54%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 86 active listings in the ZIP; 82 units permitted in Columbia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $801 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Columbia County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($112k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $53k; list at $116k implies a 119% gain — meaningful room to come down on a strong offer.

Recommended offer $112,423 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 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 1975 — 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 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?
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: 1.37% ✓
• Cap rate: 10.55%
• Cash-on-cash: 15.20%
• DSCR: 1.68
• GRM: 6.1

CMA / ARV

• ARV (median comp): $181,986
• List price: $115,900
• Delta: -36.31%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 5.9%
• Equity multiple: 1.23×
• Total profit: $7,455
• Equity at exit: $17,281

10-year hold

• IRR: 15.3%
• Equity multiple: 2.25×
• Total profit: $40,406
• Equity at exit: $10,021

Cash invested: $32,452 (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 18603

• Active inventory: 86
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,582 medium
• Mortgage (P&I): −$608
• Tax from tax record: −$183 /mo · $2,193/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$332
• Net cashflow: $411

Break-even live

Break-even rent $1,062

Max offer price $115,900

Occupancy floor 69%

Sensitivity live

Price	-10% $477	-5% $444	+0% $411	+5% $378	+10% $346
Rent	-10% $286	-5% $349	+0% $411	+5% $474	+10% $536
Rate	-1.0pp $470	-0.5pp $441	base $411	+0.5pp $381	+1.0pp $351

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: $28,975
• Closing costs: $3,477
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-19
   days on market $115,900 Active 52 DOM
2. 2026-06-18
   days on market $115,900 Active 51 DOM
3. 2026-06-17
   days on market $115,900 Active 50 DOM
4. 2026-06-16
   days on market $115,900 Active 49 DOM
5. 2026-06-15
   days on market $115,900 Active 48 DOM
6. 2026-06-14
   days on market $115,900 Active 46 DOM
7. 2026-06-12
   days on market $115,900 Active 45 DOM
8. 2026-06-09
   days on market $115,900 Active 42 DOM
9. 2026-06-08
   days on market $115,900 Active 41 DOM
10. 2026-06-07
    days on market $115,900 Active 40 DOM
11. 2026-06-02
    days on market $115,900 Active 35 DOM
12. 2026-06-01
    days on market $115,900 Active 34 DOM
13. 2026-05-31
    days on market $115,900 Active 33 DOM
14. 2026-05-30
    days on market $115,900 Active 32 DOM
15. 2026-04-28
    listed $115,900 Active 300-char remark
16. 2025-04-22
    historical
17. 2025-04-15
    price $116,900
18. 2025-03-20
    price $126,900
19. 2025-03-14
    listed $129,900 Active
20. 2006-07-03
    soldstatus $53,000

ⓘ 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: $2,193 · $183/mo
• Projected year-2 tax: $2,193 · $183/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,988
• − Mortgage interest: −$6,492
• − Property taxes: −$2,193
• − Insurance: −$580
• − Repairs & maintenance: −$1,519
• − Management: −$1,519
• − Depreciation: −$3,372
• Taxable income: $3,313
• Est. tax owed @ 24.0%: −$795
• After-tax cash flow: $4,139/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: Berwick Area SD
• NCES district ID: 4203480
• Math proficiency: 32% ▼ -14.00%
• Reading proficiency: 57% ▼ -6.00%
• Median HH income: $41,964
• Composite: 37.36/100
• National rank: #4433
• State rank: #291 of 539 in PA

Livability — Berwick

• Score: 76/100
• State rank: #412
• US rank: #3762

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Berwick, PA
• Population (ZIP): 18,985

Population outlook (Columbia County) Hauer SSP2

• Today (2025): 65,170 people
• By 2030: 64,054 · -1.7%
• By 2040: 61,131 · -6.2%
• By 2050: 57,526 · -11.7%
• By 2075: 50,259 · -22.9%
• By 2100: 44,756 · -31.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 4% Two or more races 3% Black 3%
• Common ancestry: Romanian 6% Polish 4% Iranian 3%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Columbia

• 2024 margin: Solid R (+31.0) · D 34.0% · R 65.0%
• 2008→2024 swing: -26.6pp toward R · 2008: -4.5pp · 2024: -31.0pp
• All cycles: 2024: R+31.0 2020: R+30.7 2016: R+32.8 2012: R+12.4 2008: R+4.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -123.40%
• Current HPI: 211.5643
• 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

+118.7% since first listed

6 events — show timeline

• 2026-04-28 Listed $115,900 BRIGHT MLS
• 2025-04-22 Listing Removed — BRIGHT MLS
• 2025-04-15 Price Changed $116,900 BRIGHT MLS
• 2025-03-20 Price Changed $126,900 BRIGHT MLS
• 2025-03-14 Listed $129,900 BRIGHT MLS
• 2006-07-03 Sold (Public Records) $53,000 Public Records

Property tax history

+2.7%/yr

Latest (2026): $2,193 · +2.2% YoY. Source: county tax records.