130 E Bacon St · Palo Alto, PA 17901

$138,900

3 bd · 1.0 ba · 2,340 sqft · SingleFamily public records · 39 Days on market

Built 1900 3,920 sqft lot $59/sqft · 24% below area Est $195k · 29% under

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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).

• ARV discount +15.0/15.0
• Cash flow +8.7/30.0
• 1% rule +5.3/10.0
• Rent growth +3.9/5.0
• Livability +3.7/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

Key facts

• 3,920 sq ft lot
• Built 1900
• Listed 38 days

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Municipal trash service
• Home design: Detached structure; Fee simple ownership
• Construction: Stone construction; Block and stone foundation; Above-grade and below-grade structures; Estimated year built
• Exterior features: Chain link fencing; Lot approximately 40 x 100

Interior

• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Bathrooms: Two full bathrooms total; One full bathroom on the main level; One full bathroom on the first upper level
• Heating & cooling: Radiator heating; Oil-fired heating and hot water
• Interior features: Estimated living area; Basement (combination)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $-117 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $118k (14.8% below list).
• Meets the 1% rule at list price ($1k rent vs $139k).
• Recommended offer: $118k (14.8% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 74/100 on livability (#522 in PA, #4,813 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, employment D+, commute D.
• 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.
• Zoned schools: Clarke El Ctr (math 26% / reading 49%, grade F, #997 of 1,518 statewide, top 66%, 805 students, 70% FRL); Lengel Ms (math 22% / reading 43%, grade F, #355 of 512 statewide, top 70%, 699 students, 66% FRL); Pottsville Area Hs (math 52% / reading 74%, grade B-, #69 of 437 statewide, top 16%, 898 students, 57% FRL).
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $960 of loan paydown is wiped out by about $4k 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

• It's been on market 39 days — a 3% lower offer ($135k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y ago; this cycle's ask has dropped $11k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $58k; list at $139k implies a 139% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.0% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $118,299 (14.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.03% ✓
• Cap rate: 5.29%
• Cash-on-cash: -3.60%
• DSCR: 0.84
• GRM: 8.1

CMA / ARV

• ARV (median comp): $194,733
• List price: $138,900
• Delta: -28.67%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
334 E Savory St	0.32mi	3/1.5	2,214 (-5%)	11mo	$236,000	$107	65
235 Pike St	0.53mi	4/2.5 (+1)	2,426 (+4%)	18mo	$175,000	$72	43
332 W Savory St	0.62mi	4/1.5 (+1)	2,047 (-12%)	6mo	$170,000	$83	39
18 Pike St	0.64mi	3/1.5	1,990 (-15%)	9mo	$100,000	$50	36
152 Anderson St	0.73mi	4/2.0 (+1)	2,100 (-10%)	12mo	$222,500	$106	30

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: -18.2%
• Equity multiple: 0.34×
• Total profit: $-25,735
• Equity at exit: $20,710

10-year hold

• IRR: -4.7%
• Equity multiple: 0.64×
• Total profit: $-13,814
• Equity at exit: $12,010

Cash invested: $38,892 (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: 8.1×

Monthly cashflow live

• Estimated rent: $1,434 medium
• Mortgage (P&I): −$728
• Tax from tax record: −$463 /mo · $5,557/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $-117

Break-even live

Break-even rent $1,581

Max offer price $118,299

Occupancy floor —

Sensitivity live

Price	-10% $-38	-5% $-77	+0% $-117	+5% $-156	+10% $-195
Rent	-10% $-230	-5% $-173	+0% $-117	+5% $-60	+10% $-3
Rate	-1.0pp $-47	-0.5pp $-81	base $-117	+0.5pp $-153	+1.0pp $-189

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: $34,725
• Closing costs: $4,167
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	46d	1	0.06mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	46d	1	1.40mi

Listing history 28 events

1. 2026-06-22
   days on market $138,900 Active 39 DOM
2. 2026-06-21
   days on market $138,900 Active 38 DOM
3. 2026-06-19
   days on market $138,900 Active 36 DOM
4. 2026-06-18
   days on market $138,900 Active 35 DOM
5. 2026-06-17
   days on market $138,900 Active 34 DOM
6. 2026-06-16
   days on market $138,900 Active 33 DOM
7. 2026-06-15
   days on market $138,900 Active 32 DOM
8. 2026-06-14
   days on market $138,900 Active 30 DOM
9. 2026-06-12
   days on market $138,900 Active 29 DOM
10. 2026-06-09
    days on market $138,900 Active 26 DOM
11. 2026-06-08
    days on market $138,900 Active 25 DOM
12. 2026-06-07
    days on market $138,900 Active 24 DOM
13. 2026-06-07
    days on market $138,900 Active 23 DOM
14. 2026-06-04
    days on market $138,900 Active 20 DOM
15. 2026-06-02
    days on market $138,900 Active 19 DOM
16. 2026-06-01
    days on market $138,900 Active 18 DOM
17. 2026-05-31
    days on market $138,900 Active 17 DOM
18. 2026-05-31
    days on market $138,900 Active 16 DOM
19. 2026-05-15
    listed $149,900 Active 688-char remark
20. 2026-05-14
    historical $149,900 688-char remark
21. 2021-04-23
    soldstatus $58,000
22. 2021-04-22
    soldstatus $58,000 Closed 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

23. 2021-03-16
    status Pending 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

24. 2021-01-13
    status Active 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

25. 2021-01-09
    historical 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

26. 2021-01-04
    price $68,000 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

27. 2020-08-18
    price $74,000 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

28. 2020-07-14
    listed $75,000 Active 663-char remark

    Show marketing remark (663 chars)

    VERY MOTIVATED SELLER. MAKE AN OFFER. ALLREASONABLE OFFERS WILL BE CONSIDERED! This large Palo Alto home has so much potential & so much to offer. Bring your toolbox & your good ideas & make this home into what it was meant to be. First floor offers a convenient full bath, dining room, & large living room. Second floor offers 2 nice size bedrooms plus a room with laundry hook ups. What could be more convenient?! Go up to the third floor & you'll find 2 more large bedrooms which can serve whatever purpose you wish! Outside you'll find a nice size yard, patio area & off street parking. Home is being sold "as-is".

ⓘ 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: $5,557 · $463/mo
• Projected year-2 tax: $5,557 · $463/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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°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: $17,206
• − Mortgage interest: −$7,781
• − Property taxes: −$5,557
• − Insurance: −$694
• − Repairs & maintenance: −$1,376
• − Management: −$1,376
• − Depreciation: −$4,041
• Taxable loss: −$3,620
• Est. tax savings @ 24.0%: +$869
• After-tax cash flow: $-531/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 — Palo Alto

• Score: 74/100
• State rank: #522
• US rank: #4813

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palo Alto, 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

+85.2% since first listed

11 events — show timeline

• 2026-05-28 Price Changed $138,900 BRIGHT MLS
• 2026-05-15 Listed $149,900 BRIGHT MLS
• 2026-05-14 Coming Soon $149,900 BRIGHT MLS
• 2021-04-23 Sold (Public Records) $58,000 Public Records
• 2021-04-22 Sold (MLS) $58,000 BRIGHT MLS
• 2021-03-16 Pending — BRIGHT MLS
• 2021-01-13 Relisted — BRIGHT MLS
• 2021-01-09 Listing Removed — BRIGHT MLS
• 2021-01-04 Price Changed $68,000 BRIGHT MLS
• 2020-08-18 Price Changed $74,000 BRIGHT MLS
• 2020-07-14 Listed $75,000 BRIGHT MLS

Property tax history

+16.3%/yr

Latest (2026): $5,557 · +288.6% YoY. Source: county tax records.