726 E Dewart St · Shamokin, PA 17872

$160,000

5 bd · 2.0 ba · 4,410 sqft · Other · 7 Days on market

Built 1910 3,674 sqft lot

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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).

• Cash flow +12.6/30.0
• ARV discount +7.5/15.0
• Appreciation +6.0/10.0
• 1% rule +3.9/10.0
• DSCR +3.8/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks MLS

Walking through this house is like going on a treasure hunt. You never know what prize you'll find around the next corner, down the hallway or up the stairways! From the large third-floor sewing room, sunny from all the stained glass windows, to the large multiple bedrooms, beautifully sculptured banisters and railings, the ornately carved fireplace, elaborate foyer and full usable basement, and all updated mechanicals including blown-in insulation. And what a family house! Playground is around the corner, right up from the bus pickup. You'll be delighted! Square footage is from county tax cards.

Key facts

• Formal dining room
• Bonus rooms
• Unfinished basement

Tags

• FORMAL DINING ROOM
• DEDICATED OFFICE
• ENCLOSED BREEZEWAY
• BONUS ROOMS
• ATTIC AREA
• UNFINISHED BASEMENT

Property features AI

Exterior

• Parking: One garage space; Additional garage storage area; On-street parking available; Parking garage
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Detached structure; Estimated year built
• Construction: Brick construction; Stone foundation; Asphalt roof
• Exterior features: Lot dimensions approximately 34 x 100; Not in a federal flood zone; Other structures both above grade and below grade

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Five bedrooms on the upper level; Rooms include Living Room, Dining Room, Office, Attic
• Bathrooms: Two full bathrooms (one on main level, one on upper level)
• Heating & cooling: Radiator heat; Oil-fired heating; Electric hot water
• Interior features: Estimated living area; Unfinished basement
• Laundry & utility: Laundry hookups

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath other listed at $160k.

Deal economics

• At list price, monthly cash flow is $-20 ($-245/yr) — negative.
• To cash-flow at today's rent, offer at most $156k (2.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $142k (11.5% below list).
• Recommended offer: $142k (11.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#887 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Shamokin Area SD (town): math 19% / reading 40% proficiency, ranked #450 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Shamokin Area El Sch (math 22% / reading 36%, grade F, #1,146 of 1,518 statewide, top 76%, 832 students, 100% FRL); Shamokin Area Ms (math 12% / reading 40%, grade F, #412 of 512 statewide, top 81%, 346 students, 100% FRL); Shamokin Area Hs (math 42% / reading 30%, grade F, #300 of 437 statewide, top 70%, 702 students, 80% FRL) — zoned schools average 93% FRL vs 57% district-wide (37 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 78 active listings in the ZIP; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($1k loan paydown + $3k appreciation (1.9% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $45k cash investment doubles in ~8 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 11y 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 $128k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $141,635 (11.5% 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. 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. 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?
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: 0.89% ✗
• Cap rate: 6.14%
• Cash-on-cash: -0.55%
• DSCR: 0.98
• GRM: 9.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.7%
• Equity multiple: 1.20×
• Total profit: $8,932
• Equity at exit: $62,277

10-year hold

• IRR: 7.5%
• Equity multiple: 2.02×
• Total profit: $45,528
• Equity at exit: $89,046

Cash invested: $44,800 (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 17872

• Home prices YoY: 1.6%
• Active inventory: 78
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,416 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$234 /mo · $2,803/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $-20

Break-even live

Break-even rent $1,442

Max offer price $156,399

Occupancy floor 96%

Sensitivity live

Price	-10% $70	-5% $25	+0% $-20	+5% $-66	+10% $-111
Rent	-10% $-132	-5% $-76	+0% $-20	+5% $36	+10% $92
Rate	-1.0pp $60	-0.5pp $20	base $-20	+0.5pp $-62	+1.0pp $-104

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-19
   days on market $160,000 Active 7 DOM
2. 2026-06-18
   days on market $160,000 Active 6 DOM
3. 2026-06-17
   days on market $160,000 Active 5 DOM
4. 2026-06-16
   days on market $160,000 Active 4 DOM
5. 2026-06-15
   days on market $160,000 Active 3 DOM
6. 2026-06-12
   remarks 693-char remark
7. 2026-06-12
   listed $160,000 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: $2,803 · $234/mo
• Projected year-2 tax: $2,803 · $234/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 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $16,996
• − Mortgage interest: −$8,962
• − Property taxes: −$2,803
• − Insurance: −$800
• − Repairs & maintenance: −$1,360
• − Management: −$1,360
• − Depreciation: −$4,655
• Taxable loss: −$2,943
• Est. tax savings @ 24.0%: +$706
• After-tax cash flow: $462/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: Shamokin Area SD
• NCES district ID: 4221240
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 40% ▼ -11.00%
• Median HH income: $35,380
• Composite: 24.31/100
• National rank: #7709
• State rank: #450 of 539 in PA

Livability — Shamokin

• Score: 68/100
• State rank: #887
• US rank: #9448

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: Shamokin, PA
• City population: 9,808
• Population (ZIP): 8,950

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 10% Hispanic / Latino 8% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 14% Iranian 6% Subsaharan African 1%
• Foreign-born: 1%
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.90%
• Current HPI: 124.6288
• 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

+23.2% since first listed

5 events — show timeline

• 2026-06-12 Listed $160,000 BRIGHT MLS
• 2017-06-01 Sold (Public Records) $127,500 Public Records
• 2017-05-31 Sold (MLS) $127,500 CSVBR
• 2016-04-15 Listed $127,500 CSVBR
• 2015-04-24 Listed $129,900 CSVBR

Property tax history

+6.8%/yr

Latest (2026): $2,803 · +61.5% YoY. Source: county tax records.