1065 Bloom Rd · Danville, PA 17821

$243,500

4 bd · 1.0 ba · 1,374 sqft · SingleFamily public records · 8 Days on market

Built 1956 0.37 ac lot Est $261k · 7% 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).

• Cash flow +14.4/30.0
• ARV discount +10.5/15.0
• Schools +5.0/10.0
• DSCR +4.4/10.0
• Livability +3.7/5.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cozy home with 3 or 4 bedrooms and bath. Kitchen appliances included are stove refrigerator and microwave. This home offers hardwood floors, central air conditioning and an attached garage. Also offered is a covered rear patio.

Key facts

• 0.37 acre lot
• Garage
• Built 1956

Property features AI

Finance

• Other: Zoning: C/O
• HOA & community: Street lights in the community

Exterior

• Parking: Attached garage with garage door opener; 1 garage space
• Utilities: Well water; Public sewer; 100 Amp electric service; Cable available
• Home design: Single family residence; Residential property; Approximately 1,374 above-grade finished area
• Construction: Vinyl siding with frame construction; Asphalt roof; No foundation details specified
• Exterior features: Porch; Shed(s)

Interior

• Kitchen: Microwave; Dishwasher; Refrigerator
• Bedrooms: 4 bedrooms on the main level; 8 total rooms
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central air conditioning; Has heating
• Interior features: Hardwood floors; Basement with block construction
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $244k.

Deal economics

• At list price, monthly cash flow is $48 ($575/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (17.0% below list).
• Recommended offer: $202k (17.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#508 in PA, #4,632 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: amenities D-, commute F, employment D-.
• Danville Area SD (suburban): math 50% / reading 67% proficiency, ranked #83 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Danville Primary Sch (511 students, 41% FRL); Danville Area Ms (math 34% / reading 68%, grade C, #116 of 512 statewide, top 24%, 508 students, 37% FRL); Danville Area Shs (math 87%, 638 students, 31% FRL).
• Market conditions: 71 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 27 units permitted in Montour County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($77k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y 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 $190k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $202,074 (17.0% below list)

Questions for the listing agent

1. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-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?
4. 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?
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: 0.83% ✗
• Cap rate: 6.53%
• Cash-on-cash: 0.84%
• DSCR: 1.04
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $261,060
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1176 Bloom Rd	0.28mi	3/1.0 (-1)	1,456 (+6%)	10mo	$277,000	$190	63
147 Maple St	0.28mi	3/1.5 (-1)	1,500 (+9%)	13mo	$307,500	$205	54
944 Bloom Rd	0.31mi	3/2.5 (-1)	1,200 (-13%)	4mo	$220,000	$183	50
31 Lilac Ln	0.44mi	3/2.5 (-1)	1,457 (+6%)	10mo	$304,000	$209	50
803 Bloom Rd	0.65mi	3/2.0 (-1)	1,520 (+11%)	1mo	$305,000	$201	42
43 Locust Ln	0.31mi	3/1.5 (-1)	1,572 (+14%)	19mo	$259,000	$165	38
22 N Ardmoor Ave	0.62mi	3/1.0 (-1)	1,200 (-13%)	19mo	$175,000	$146	29

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -15.0%
• Equity multiple: 0.47×
• Total profit: $-36,458
• Equity at exit: $36,307

10-year hold

• IRR: -6.4%
• Equity multiple: 0.59×
• Total profit: $-28,030
• Equity at exit: $21,053

Cash invested: $68,180 (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 17821

• Home prices YoY: -17.9%
• Active inventory: 71
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,021 high
• Mortgage (P&I): −$1,277
• Tax from tax record: −$170 /mo · $2,041/yr
• Insurance: −$101
• HOA: −$0
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $48

Break-even live

Break-even rent $1,960

Max offer price $243,500

Occupancy floor 93%

Sensitivity live

Price	-10% $186	-5% $117	+0% $48	+5% $-21	+10% $-90
Rent	-10% $-112	-5% $-32	+0% $48	+5% $128	+10% $208
Rate	-1.0pp $171	-0.5pp $110	base $48	+0.5pp $-15	+1.0pp $-79

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: $60,875
• Closing costs: $7,305
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27 Village Pointe Ln Unit 27 Danville, PA	3.0	1.5	1253	$1,650	$1.32	45d	1	0.48mi
33 N Ardmoor Ave Danville, PA	4.0	2.0	1606	$2,195	$1.37	45d	1	0.64mi
184 Ridgeview St Unit 203 Danville, PA	3.0	2.0	1144	$1,600	$1.40	45d	1	1.01mi
937 Poplar Ave Danville, PA	3.0	1.0	1300	$1,600	$1.23	45d	1	1.02mi
818 C St Danville, PA	3.0	1.5	1664	$2,195	$1.32	45d	1	1.05mi
534 Nicholas Ave Danville, PA	3.0	2.5	1250	$1,700	$1.36	45d	1	1.19mi
986 Ash St Unit 101 Danville, PA	3.0	1.0	1126	$1,595	$1.42	45d	1	1.19mi
1016 Ash St Danville, PA	3.0	1.5	1496	$2,795	$1.87	45d	1	1.21mi
1146 Upper Mulberry St Danville, PA	4.0	1.5	1456	$1,795	$1.23	45d	1	1.30mi

Listing history 11 events

1. 2026-06-17
   status $243,500 Pending 8 DOM
2. 2026-06-17
   days on market $243,500 Active 8 DOM
3. 2026-06-16
   days on market $243,500 Active 7 DOM
4. 2026-06-15
   days on market $243,500 Active 6 DOM
5. 2026-06-14
   days on market $243,500 Active 4 DOM
6. 2026-06-12
   status $243,500 Active 3 DOM
7. 2026-04-30
   status Pending
8. 2026-04-27
   listed $243,500 Active
9. 2023-04-14
   soldstatus $189,500 Closed 227-char remark

   Show marketing remark (227 chars)

   Cozy home with 3 or 4 bedrooms and bath. Kitchen appliances included are stove refrigerator and microwave. This home offers hardwood floors, central air conditioning and an attached garage. Also offered is a covered rear patio.

10. 2023-02-17
    historical Active Under Contract 227-char remark

    Show marketing remark (227 chars)

    Cozy home with 3 or 4 bedrooms and bath. Kitchen appliances included are stove refrigerator and microwave. This home offers hardwood floors, central air conditioning and an attached garage. Also offered is a covered rear patio.

11. 2023-02-10
    listed $199,900 Active 227-char remark

    Show marketing remark (227 chars)

    Cozy home with 3 or 4 bedrooms and bath. Kitchen appliances included are stove refrigerator and microwave. This home offers hardwood floors, central air conditioning and an attached garage. Also offered is a covered rear patio.

ⓘ 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: $2,041 · $170/mo
• Projected year-2 tax: $2,944 · $245/mo
• Expected delta: +$903/yr (+$75/mo · 44.3%)

ⓘ 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 ≥97°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: $24,249
• − Mortgage interest: −$13,640
• − Property taxes: −$2,041
• − Insurance: −$1,218
• − Repairs & maintenance: −$1,940
• − Management: −$1,940
• − Depreciation: −$7,084
• Taxable loss: −$3,613
• Est. tax savings @ 24.0%: +$867
• After-tax cash flow: $1,442/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: Danville Area SD
• NCES district ID: 4207320
• Math proficiency: 50% ▼ -12.00%
• Reading proficiency: 67% ▼ -8.00%
• Median HH income: $51,554
• Composite: 49.92/100
• National rank: #1939
• State rank: #83 of 539 in PA

Livability — Danville

• Score: 74/100
• State rank: #508
• US rank: #4632

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Montour County · 18,613 people
• City population: 18,613
• Metro: Bloomsburg-Berwick, PA
• Population (ZIP): 18,613
• Household income: $76,971
• Rent vs Own: 30.2% rent · 69.8% own
• Severe rent burden: 361.0

Population outlook (Montour County) Hauer SSP2

• Today (2025): 18,673 people
• By 2030: 18,660 · -0.1%
• By 2040: 18,522 · -0.8%
• By 2050: 18,239 · -2.3%
• By 2075: 17,636 · -5.6%
• By 2100: 16,283 · -12.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 3% Asian 3% Two or more races 3% Black 2%
• Common ancestry: Romanian 5% Iranian 3% Slovak 2%
• Foreign-born: 5% · Canada, China, Jamaica
• Languages at home: 93% English-only · Spanish 2% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Montour

• 2024 margin: Strong R (+21.0) · D 39.0% · R 60.0% · Other 1.0%
• 2008→2024 swing: -5.9pp toward R · 2008: -15.1pp · 2024: -21.0pp
• All cycles: 2024: R+21.0 2020: R+21.1 2016: R+28.4 2012: R+20.7 2008: R+15.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -41.95%
• Current HPI: 192.6962
• Rent YoY: —
• Metro: Bloomsburg-Berwick, 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

+21.8% since first listed

5 events — show timeline

• 2026-04-30 Pending — CSVBR
• 2026-04-27 Listed $243,500 CSVBR
• 2023-04-14 Sold (MLS) $189,500 CSVBR
• 2023-02-17 Contingent — CSVBR
• 2023-02-10 Listed $199,900 CSVBR

Property tax history

+2.1%/yr

Latest (2026): $2,041 · +8.3% YoY. Source: county tax records.