169 S 2nd St · Coaldale, PA 18218

$149,900

4 bd · 1.0 ba · 2,692 sqft · Townhouse public records · 121 Days on market

Built 1905 2,613 sqft lot $56/sqft · 20% above area Est $149k · at est.

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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 +21.3/30.0
• ARV discount +7.2/15.0
• DSCR +6.8/10.0
• 1% rule +5.7/10.0
• Appreciation +5.3/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Welcome to 169 2nd Street in the heart of Coaldale—a spacious and character-filled home offering an incredible opportunity for those seeking room to spread out. Nestled in a quiet, historic former coal mining town, this property blends small-town charm with generous living space that’s hard to find. Boasting 6 well-sized bedrooms, this home offers exceptional flexibility for a variety of living arrangements, work-from-home setups, or creative spaces. Inside, you’ll find expansive living areas filled with natural light, creating a warm and inviting atmosphere throughout. The layout provides both comfort and versatility, with plenty of room for entertaining, relaxing, or customizing the space to fit your needs. Whether you're hosting guests or enjoying the peaceful surroundings, this home delivers on both size and function. Located in a serene setting with a rich local history, 169 2nd Street presents a unique opportunity to own a spacious property while enjoying the charm of town living for only 155k! Don’t miss your chance to make this distinctive home your own!

Key facts

• Built 1905
• Listed 121 days

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $219 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#761 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Panther Valley SD (rural): math 14% / reading 35% proficiency, ranked #477 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 12 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $763 appreciation (0.5% 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 (0.5% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 15y 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 $110k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1905 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $131,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 121 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 1905 — 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 F-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: 1.07% ✓
• Cap rate: 8.05%
• Cash-on-cash: 6.27%
• DSCR: 1.28
• GRM: 7.8

CMA / ARV

• ARV (median comp): $148,938
• List price: $149,900
• Delta: 0.65%
• Verdict: FAIR
• Comps: 3 within 2.0 mi

Projected returns pro-forma

0.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.4%
• Equity multiple: 1.32×
• Total profit: $13,231
• Equity at exit: $47,381

10-year hold

• IRR: 11.0%
• Equity multiple: 2.27×
• Total profit: $53,472
• Equity at exit: $60,129

Cash invested: $41,972 (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 18218

• Home prices YoY: 0.2%
• Active inventory: 12
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,600 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$196 /mo · $2,357/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $219

Break-even live

Break-even rent $1,323

Max offer price $149,900

Occupancy floor 81%

Sensitivity live

Price	-10% $304	-5% $262	+0% $219	+5% $177	+10% $134
Rent	-10% $93	-5% $156	+0% $219	+5% $282	+10% $346
Rate	-1.0pp $295	-0.5pp $257	base $219	+0.5pp $180	+1.0pp $141

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Listing history 37 events

1. 2026-06-18
   days on market $149,900 Active 121 DOM
2. 2026-06-17
   days on market $149,900 Active 120 DOM
3. 2026-06-16
   days on market $149,900 Active 119 DOM
4. 2026-06-15
   days on market $149,900 Active 118 DOM
5. 2026-06-14
   days on market $149,900 Active 116 DOM
6. 2026-06-13
   days on market $149,900 Active 115 DOM
7. 2026-06-10
   days on market $149,900 Active 113 DOM
8. 2026-06-09
   days on market $149,900 Active 112 DOM
9. 2026-06-08
   days on market $149,900 Active 111 DOM
10. 2026-06-07
    days on market $149,900 Active 110 DOM
11. 2026-06-05
    days on market $149,900 Active 107 DOM
12. 2026-06-03
    days on market $149,900 Active 106 DOM
13. 2026-06-02
    days on market $149,900 Active 105 DOM
14. 2026-06-01
    days on market $149,900 Active 104 DOM
15. 2026-05-31
    remarks 687-char remark
16. 2026-05-31
    days on market $149,900 Active 103 DOM
17. 2026-05-31
    days on market $149,900 Active 102 DOM
18. 2026-02-17
    listed $155,000 Active 1103-char remark

    Show marketing remark (1103 chars)

    Welcome to 169 2nd Street in the heart of Coaldale—a spacious and character-filled home offering an incredible opportunity for those seeking room to spread out. Nestled in a quiet, historic former coal mining town, this property blends small-town charm with generous living space that’s hard to find. Boasting 6 well-sized bedrooms, this home offers exceptional flexibility for a variety of living arrangements, work-from-home setups, or creative spaces. Inside, you’ll find expansive living areas filled with natural light, creating a warm and inviting atmosphere throughout. The layout provides both comfort and versatility, with plenty of room for entertaining, relaxing, or customizing the space to fit your needs. Whether you're hosting guests or enjoying the peaceful surroundings, this home delivers on both size and function. Located in a serene setting with a rich local history, 169 2nd Street presents a unique opportunity to own a spacious property while enjoying the charm of town living for only 155k! Don’t miss your chance to make this distinctive home your own!

19. 2024-05-29
    soldstatus $110,000
20. 2024-05-24
    soldstatus $110,000 Closed 327-char remark

    Show marketing remark (327 chars)

    Large Twin home in Coaldale with 3 floors that has over 2000 sqft of living space. Enjoy high ceilings, large living space, newer furnace and updated electrical. Spread out with 5 full bedrooms on the 2nd and 3rd floors, yet has full baths on the 1st and 2nd floor. Outside there is a wrap around porch and fenced in rear yard.

21. 2024-05-16
    status Pending 327-char remark

    Show marketing remark (327 chars)

    Large Twin home in Coaldale with 3 floors that has over 2000 sqft of living space. Enjoy high ceilings, large living space, newer furnace and updated electrical. Spread out with 5 full bedrooms on the 2nd and 3rd floors, yet has full baths on the 1st and 2nd floor. Outside there is a wrap around porch and fenced in rear yard.

22. 2024-04-22
    historical 327-char remark

    Show marketing remark (327 chars)

    Large Twin home in Coaldale with 3 floors that has over 2000 sqft of living space. Enjoy high ceilings, large living space, newer furnace and updated electrical. Spread out with 5 full bedrooms on the 2nd and 3rd floors, yet has full baths on the 1st and 2nd floor. Outside there is a wrap around porch and fenced in rear yard.

23. 2024-04-01
    listed $120,000 Active 327-char remark

    Show marketing remark (327 chars)

    Large Twin home in Coaldale with 3 floors that has over 2000 sqft of living space. Enjoy high ceilings, large living space, newer furnace and updated electrical. Spread out with 5 full bedrooms on the 2nd and 3rd floors, yet has full baths on the 1st and 2nd floor. Outside there is a wrap around porch and fenced in rear yard.

24. 2020-10-29
    soldstatus $18,000
25. 2020-10-27
    soldstatus $18,000 Sold
26. 2020-10-27
    soldstatus $18,000 Closed
27. 2020-10-27
    soldstatus $18,000
28. 2020-10-06
    status Pending
29. 2020-09-29
    status Pending
30. 2020-07-08
    price $28,900
31. 2020-07-08
    listed $28,900 Active
32. 2020-03-27
    listed $28,900
33. 2020-03-17
    listed $29,900 Active
34. 2011-09-20
    soldstatus $60,420
35. 2011-09-20
    soldstatus $60,420
36. 2011-07-28
    historical
37. 2011-05-26
    listed $60,420

ⓘ 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: $2,357 · $196/mo
• Projected year-2 tax: $2,363 · $197/mo
• Expected delta: +$6/yr ($0/mo · 0.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 8 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,203
• − Mortgage interest: −$8,397
• − Property taxes: −$2,357
• − Insurance: −$750
• − Repairs & maintenance: −$1,536
• − Management: −$1,536
• − Depreciation: −$4,361
• Taxable income: $267
• Est. tax owed @ 24.0%: −$64
• After-tax cash flow: $2,567/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: Panther Valley SD
• NCES district ID: 4218450
• Math proficiency: 14% ▼ -7.00%
• Reading proficiency: 35% ▼ -14.00%
• Median HH income: $36,914
• Composite: 20.31/100
• National rank: #8613
• State rank: #477 of 539 in PA

Livability — Coaldale

• Score: 70/100
• State rank: #761
• US rank: #7599

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: Coaldale, PA
• Population (ZIP): 2,353

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 (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Black 4% Two or more races 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 9% Polish 4% Iranian 3%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · Spanish 6%

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: ▲ 0.51%
• Current HPI: 288.42
• 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

+156.5% since first listed

20 events — show timeline

• 2026-02-17 Listed $155,000 BRIGHT MLS
• 2024-05-29 Sold (Public Records) $110,000 Public Records
• 2024-05-24 Sold (MLS) $110,000 BRIGHT MLS
• 2024-05-16 Pending — BRIGHT MLS
• 2024-04-22 Listing Removed — BRIGHT MLS
• 2024-04-01 Listed $120,000 BRIGHT MLS
• 2020-10-29 Sold (Public Records) $18,000 Public Records
• 2020-10-27 Sold (MLS) $18,000 PMAR
• 2020-10-27 Sold (MLS) $18,000 BRIGHT MLS
• 2020-10-27 Sold (MLS) $18,000 GLVRMLS
• 2020-10-06 Pending — GLVRMLS
• 2020-09-29 Pending — BRIGHT MLS
• 2020-07-08 Price Changed $28,900 GLVRMLS
• 2020-07-08 Listed $28,900 BRIGHT MLS
• 2020-03-27 Listed $28,900 PMAR
• 2020-03-17 Listed $29,900 GLVRMLS
• 2011-09-20 Sold (Public Records) $60,420 Public Records
• 2011-09-20 Sold (MLS) $60,420 BRIGHT MLS
• 2011-07-28 Listing Removed — BRIGHT MLS
• 2011-05-26 Listed $60,420 BRIGHT MLS

Property tax history

+2.3%/yr

Latest (2025): $2,357 · +5.1% YoY. Source: county tax records.