1143 W Pine St · Fairview-Ferndale, PA 17866

$45,000

3 bd · 1.0 ba · 1,000 sqft · Other · 97 Days on market

Built 1900 1,742 sqft lot $45/sqft · 9% above area Est $41k · 9% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +4.4/10.0
• ARV discount +3.6/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks MLS

Great investment or flip opportunity! This 3‑bedroom, 1‑bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long‑term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don’t miss this chance to capitalize on a property with huge upside!

Key facts

• Renovate add value
• Rental flexibility
• Functional layout

Tags

• FINISHED WALKOUT BASEMENT
• FUNCTIONAL LAYOUT
• RENTAL FLEXIBILITY
• INVESTMENT OPPORTUNITY
• RENOVATE ADD VALUE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $45k.

Deal economics

• At list price, monthly cash flow is $393 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($865 rent vs $45k).
• Recommended offer: $41k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• 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.
• Market conditions: 30 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.3%/yr); year-one equity from $311 of loan paydown is wiped out by about $581 of value loss. Plan a longer hold.
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-1.3% appreciation + 3.0% rent growth), your $13k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($41k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y ago; this cycle's ask has dropped $20k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $18k; list at $45k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $40,950 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — 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. 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: 1.92% ✓
• Cap rate: 16.78%
• Cash-on-cash: 37.45%
• DSCR: 2.67
• GRM: 4.3

CMA / ARV

• ARV (median comp): $41,376
• List price: $45,000
• Delta: 8.76%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-1.29% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 36.3%
• Equity multiple: 2.67×
• Total profit: $21,064
• Equity at exit: $10,234

10-year hold

• IRR: 41.0%
• Equity multiple: 5.26×
• Total profit: $53,654
• Equity at exit: $10,219

Cash invested: $12,600 (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 17866

• Home prices YoY: -1.1%
• Active inventory: 30
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $865 high
• Mortgage (P&I): −$236
• Tax from tax record: −$36 /mo · $426/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$182
• Net cashflow: $393

Break-even live

Break-even rent $367

Max offer price $45,000

Occupancy floor 50%

Sensitivity live

Price	-10% $419	-5% $406	+0% $393	+5% $380	+10% $368
Rent	-10% $325	-5% $359	+0% $393	+5% $427	+10% $462
Rate	-1.0pp $416	-0.5pp $405	base $393	+0.5pp $382	+1.0pp $370

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: $11,250
• Closing costs: $1,350
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1309 W Spruce St Coal Township, PA	3.0	1.0	1275	$825	$0.65	44d	1	0.16mi
863 W Spruce St Coal Township, PA	2.0	1.0	1200	$695	$0.58	44d	1	0.21mi
804 W Mulberry St Coal Township, PA	3.0	1.0	1350	$1,075	$0.80	44d	1	0.29mi
11 S Market St Fl Rear Shamokin, PA	3.0	1.0	950	$1,000	$1.05	44d	1	0.64mi
11 S Market St Apt B Rear Shamokin, PA	2.0	1.0	1100	$900	$0.82	44d	1	0.64mi
2 S Vine St Shamokin, PA	3.0	1.0	1450	$975	$0.67	44d	1	1.12mi

Listing history 25 events

1. 2026-06-19
   days on market $45,000 Active 97 DOM
2. 2026-06-18
   days on market $45,000 Active 96 DOM
3. 2026-06-17
   days on market $45,000 Active 95 DOM
4. 2026-06-16
   days on market $45,000 Active 94 DOM
5. 2026-06-15
   days on market $45,000 Active 93 DOM
6. 2026-06-14
   days on market $45,000 Active 91 DOM
7. 2026-06-12
   days on market $45,000 Active 90 DOM
8. 2026-06-09
   days on market $45,000 Active 87 DOM
9. 2026-06-08
   days on market $45,000 Active 86 DOM
10. 2026-06-07
    days on market $45,000 Active 85 DOM
11. 2026-06-03
    days on market $45,000 Active 81 DOM
12. 2026-06-02
    days on market $45,000 Active 80 DOM
13. 2026-06-01
    days on market $45,000 Active 79 DOM
14. 2026-05-31
    days on market $45,000 Active 78 DOM
15. 2026-05-30
    days on market $45,000 Active 77 DOM
16. 2026-04-20
    price $55,000 476-char remark

    Show marketing remark (470 chars)

    Great investment or flip opportunity! This 3-bedroom, 1-bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long-term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don't miss this chance to capitalize on a property with huge upside!

17. 2026-04-20
    price $55,000 470-char remark

    Show marketing remark (470 chars)

    Great investment or flip opportunity! This 3-bedroom, 1-bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long-term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don't miss this chance to capitalize on a property with huge upside!

18. 2026-04-06
    price $60,000 476-char remark

    Show marketing remark (470 chars)

    Great investment or flip opportunity! This 3-bedroom, 1-bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long-term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don't miss this chance to capitalize on a property with huge upside!

19. 2026-04-06
    price $60,000 470-char remark

    Show marketing remark (470 chars)

    Great investment or flip opportunity! This 3-bedroom, 1-bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long-term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don't miss this chance to capitalize on a property with huge upside!

20. 2026-03-16
    listed $65,000 Active 470-char remark

    Show marketing remark (470 chars)

    Great investment or flip opportunity! This 3-bedroom, 1-bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long-term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don't miss this chance to capitalize on a property with huge upside!

21. 2026-03-14
    listed $65,000 Active 476-char remark

    Show marketing remark (476 chars)

    Great investment or flip opportunity! This 3‑bedroom, 1‑bath home offers solid potential with a functional layout and a finished walkout basement, perfect for added living space or rental flexibility. This property is ideal for investors looking to renovate, add value, or build a long‑term portfolio piece. Bring your vision and transform this home into a profitable project or a refreshed residence. Don’t miss this chance to capitalize on a property with huge upside!

22. 2020-12-04
    soldstatus $18,000
23. 2020-10-06
    listed $19,900
24. 2012-05-18
    soldstatus $9,000
25. 2012-02-27
    listed $14,900

ⓘ 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: $426 · $36/mo
• Projected year-2 tax: $569 · $47/mo
• Expected delta: +$142/yr (+$12/mo · 33.4%)

ⓘ 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 ≥95°F today · 16 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: $10,382
• − Mortgage interest: −$2,521
• − Property taxes: −$426
• − Insurance: −$225
• − Repairs & maintenance: −$831
• − Management: −$831
• − Depreciation: −$1,309
• Taxable income: $4,240
• Est. tax owed @ 24.0%: −$1,017
• After-tax cash flow: $3,701/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 — Fairview-Ferndale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Fairview-Ferndale, PA
• Population (ZIP): 9,808

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 (79%)
• Race & ethnicity: White 79% Black 15% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Romanian 12% Iranian 4% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 97% 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: ▼ -1.29%
• Current HPI: 111.3788
• 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

+269.1% since first listed

10 events — show timeline

• 2026-04-20 Price Changed $55,000 BRIGHT MLS
• 2026-04-20 Price Changed $55,000 CSVBR
• 2026-04-06 Price Changed $60,000 BRIGHT MLS
• 2026-04-06 Price Changed $60,000 CSVBR
• 2026-03-16 Listed $65,000 CSVBR
• 2026-03-14 Listed $65,000 BRIGHT MLS
• 2020-12-04 Sold (MLS) $18,000 LCAR
• 2020-10-06 Listed $19,900 LCAR
• 2012-05-18 Sold (MLS) $9,000 CSVBR
• 2012-02-27 Listed $14,900 CSVBR

Property tax history

+3.9%/yr

Latest (2026): $426 · +2.2% YoY. Source: county tax records.