108 N George St · Pottsville, PA 17901

$255,000

4 bd · 3.0 ba · 3,204 sqft · MultiFamily public records · 19 Days on market

Built 1883 2,614 sqft lot Est $186k · 37% 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 +28.1/30.0
• DSCR +10.0/10.0
• 1% rule +7.0/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 3 units. confirmed

Listing remarks MLS

This fully occupied triplex is a strong addition to any investor’s portfolio. Located near Pottsville Hospital/Lehigh Valley Health Network and within 2–3 hours of NJ and NY, it offers excellent accessibility for commuters or long-term renters. All three units are spacious 1-bedrooms. Tenants cover electric and gas cooking; landlord pays water/sewer/trash and gas heat. With long-term tenants in place and consistent rental income, this is a solid, low-maintenance investment with upside potential. * Showings will be limited to tenants availability *

Key facts

• Modern updates
• Tenant demand
• Completely renovated

Tags

• 3 UNIT MULTIFAMILY PROPERTY
• IMMEDIATE RENTAL INCOME
• COMPLETELY RENOVATED
• MODERN UPDATES
• TENANT DEMAND
• MINIMIZE OWNER EXPENSES

Property features AI

Finance

• Financial info: Total of 3 rental units with 2 currently leased and 1 vacant; Existing leases are yearly

Exterior

• Utilities: Public water; Public sewer; Natural gas service
• Home design: Semi-detached multi-unit building; Fee simple ownership; Estimated year built with major remodel/effective year 2025
• Construction: Vinyl siding; Concrete perimeter foundation
• Exterior features: Above-grade additional structure

Interior

• Bedrooms: Three units total: one 1-bedroom unit and two 2-bedroom units (multi-unit property)
• Heating & cooling: Baseboard hot water heating; Natural gas fuel for heating and hot water
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3 × 1-bed/1-bath units multifamily listed at $255k.

Deal economics

• At list price, monthly cash flow is $749 ($9k/yr) — positive. Per door: $250/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $255k).
• Recommended offer: $251k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.1% vs local median 7.5% in Pottsville — 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 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.
• 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; 1 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 $2k of loan paydown is wiped out by about $8k 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.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $71k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y 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 $185k; 38% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1883 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $251,175 (1.5% below list)

Questions for the listing agent

1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
3. Built in 1883 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.20% ✓
• Cap rate: 10.08%
• Cash-on-cash: 13.52%
• DSCR: 1.60
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $185,832
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
108 N George St	0.00mi	3/— (-1)	3,204 (0%)	12mo	$185,000	$58	85

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: 5.2%
• Equity multiple: 1.21×
• Total profit: $14,903
• Equity at exit: $38,021

10-year hold

• IRR: 16.9%
• Equity multiple: 2.56×
• Total profit: $111,327
• Equity at exit: $22,048

Cash invested: $71,400 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 20.9×

Monthly cashflow live

• Estimated rent: $3,055 medium
• Mortgage (P&I): −$1,337
• Tax from tax record: −$165 /mo · $1,983/yr
• Insurance: −$106
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$642
• Net cashflow: $749

Break-even live

Break-even rent $2,107

Max offer price $255,000

Occupancy floor 70%

Sensitivity live

Price	-10% $894	-5% $821	+0% $749	+5% $677	+10% $605
Rent	-10% $508	-5% $628	+0% $749	+5% $870	+10% $991
Rate	-1.0pp $878	-0.5pp $814	base $749	+0.5pp $683	+1.0pp $616

3-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 3× units	1	1	$3,054
Total (3 units)			$3,055

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: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1344 W Norwegian St Unit NA Pottsville, PA	5.0	2.0	2500	$1,600	$0.64	45d	1	0.95mi

Listing history 14 events

1. 2026-06-21
   days on market $255,000 Active 19 DOM
2. 2026-06-19
   days on market $255,000 Active 17 DOM
3. 2026-06-18
   days on market $255,000 Active 16 DOM
4. 2026-06-17
   days on market $255,000 Active 15 DOM
5. 2026-06-16
   days on market $255,000 Active 14 DOM
6. 2026-06-15
   days on market $255,000 Active 13 DOM
7. 2026-06-14
   days on market $255,000 Active 11 DOM
8. 2026-06-12
   days on market $255,000 Active 10 DOM
9. 2026-06-09
   days on market $255,000 Active 7 DOM
10. 2026-06-08
    days on market $255,000 Active 6 DOM
11. 2026-06-07
    days on market $255,000 Active 5 DOM
12. 2026-06-07
    days on market $255,000 Active 4 DOM
13. 2026-06-03
    remarks 693-char remark
14. 2026-06-03
    listed $255,000 Active 1 DOM

ⓘ 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: $1,983 · $165/mo
• Projected year-2 tax: $3,006 · $250/mo
• Expected delta: +$1,023/yr (+$85/mo · 51.6%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°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: $36,660
• − Mortgage interest: −$14,284
• − Property taxes: −$1,983
• − Insurance: −$1,942
• − Repairs & maintenance: −$2,933
• − Management: −$2,933
• − Depreciation: −$7,418
• Taxable income: $5,168
• Est. tax owed @ 24.0%: −$1,240
• After-tax cash flow: $7,750/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
• City population: 22,371
• 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

+479.5% since first listed

12 events — show timeline

• 2026-06-02 Listed $255,000 BRIGHT MLS
• 2025-07-01 Sold (Public Records) $185,000 Public Records
• 2025-06-27 Sold (MLS) $185,000 BRIGHT MLS
• 2025-06-11 Pending — BRIGHT MLS
• 2025-05-20 Contingent — BRIGHT MLS
• 2025-05-13 Listed $179,900 BRIGHT MLS
• 2025-05-12 Coming Soon $179,900 BRIGHT MLS
• 2009-09-23 Sold (MLS) $22,500 BRIGHT MLS
• 2009-09-22 Sold (Public Records) $22,500 Public Records
• 2009-09-11 Listing Removed — BRIGHT MLS
• 2009-06-15 Listed $22,500 BRIGHT MLS
• 1993-07-15 Sold (Public Records) $44,000 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,983 · +8.6% YoY. Source: county tax records.