14 E Elm St · Tamaqua, PA 18252

$125,000

3 bd · 1.0 ba · 1,848 sqft · Townhouse public records · 27 Days on market

Built 1915 1,307 sqft lot Est $113k · 11% 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 +23.4/30.0
• DSCR +7.5/10.0
• 1% rule +6.0/10.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• ARV discount +2.6/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

Key facts

• Outdoor recreation
• Refurbished home
• Natural light

Tags

• REFURBISHED HOME
• UPDATED FLOORING
• NATURAL LIGHT
• COMMUTER ACCESS
• NEARBY PARKS
• OUTDOOR RECREATION

Property features AI

Exterior

• Parking: On-street parking
• Utilities: 100 amp electrical service with circuit breakers; Public water; Public sewer
• Home design: 2 stories; Rubber roof; Zoned R
• Construction: Basement foundation (dirt floor and concrete); Basement present; Above-grade finished area approximately 1,792
• Exterior features: Public water; Public sewer

Interior

• Kitchen: Electric oven; Electric range; Eat-in kitchen
• Flooring: Laminate flooring; Resilient flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Wall/window air conditioning units
• Interior features: Dining area; Separate/formal dining room; Eat-in kitchen
• Laundry & utility: Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $123k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 6.8% in Tamaqua — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 80/100 on livability (#209 in PA, #1,844 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute D+, employment F.
• Tamaqua Area SD (rural): math 31% / reading 53% proficiency, ranked #331 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 75 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 $864 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 27 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 16y 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 $30k; list at $125k implies a 317% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,125 (1.5% below list)

Questions for the listing agent

1. Built in 1915 — 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. 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.
4. 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.
5. 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: 1.10% ✓
• Cap rate: 8.51%
• Cash-on-cash: 7.93%
• DSCR: 1.35
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $112,728
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
355 W Willing St	0.34mi	4/2.0 (+1)	1,843 (-0%)	9mo	$112,000	$61	67
299 High St	0.52mi	4/1.0 (+1)	1,829 (-1%)	8mo	$62,000	$34	62
333 Willing St	0.30mi	3/1.0	1,624 (-12%)	6mo	$90,000	$55	61
728 E Broad St	0.74mi	3/1.0	1,800 (-3%)	4mo	$120,000	$67	58
341 Hazle St	0.49mi	4/2.0 (+1)	1,858 (+0%)	12mo	$199,900	$108	57
310 Washington St	0.09mi	4/2.5 (+1)	1,589 (-14%)	9mo	$201,000	$126	54
297 High St	0.52mi	3/1.5	2,018 (+9%)	8mo	$88,000	$44	51
254 Mahanoy St	0.49mi	4/1.0 (+1)	1,740 (-6%)	14mo	$74,500	$43	50
267 Clay St	0.36mi	4/2.0 (+1)	1,700 (-8%)	13mo	$145,000	$85	50
404 Arlington St	0.56mi	3/1.0	1,654 (-10%)	8mo	$80,000	$48	50
404-1/2 Arlington St	0.57mi	3/1.0	1,654 (-10%)	9mo	$80,000	$48	49
119 Hunter St	0.52mi	4/2.0 (+1)	1,740 (-6%)	14mo	$160,000	$92	46

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: -4.2%
• Equity multiple: 0.84×
• Total profit: $-5,508
• Equity at exit: $18,638

10-year hold

• IRR: 5.5%
• Equity multiple: 1.41×
• Total profit: $14,230
• Equity at exit: $10,808

Cash invested: $35,000 (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 18252

• Home prices YoY: -15.4%
• Active inventory: 75
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,371 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$144 /mo · $1,733/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $231

Break-even live

Break-even rent $1,078

Max offer price $125,000

Occupancy floor 78%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
128 E Broad St Unit 128B Tamaqua, PA	3.0	1.0	1623	$1,450	$0.89	43d	1	0.34mi
435 E Union St Tamaqua, PA	3.0	1.0	1560	$1,275	$0.82	14d	1	0.40mi

Listing history 34 events

1. 2026-06-18
   days on market $125,000 Active 27 DOM
2. 2026-06-17
   days on market $125,000 Active 26 DOM
3. 2026-06-16
   days on market $125,000 Active 25 DOM
4. 2026-06-15
   days on market $125,000 Active 24 DOM
5. 2026-06-13
   days on market $125,000 Active 22 DOM
6. 2026-06-12
   days on market $125,000 Active 21 DOM
7. 2026-06-09
   days on market $125,000 Active 18 DOM
8. 2026-06-08
   days on market $125,000 Active 17 DOM
9. 2026-06-08
   days on market $125,000 Active 16 DOM
10. 2026-06-07
    days on market $125,000 Active 15 DOM
11. 2026-06-04
    days on market $125,000 Active 12 DOM
12. 2026-06-02
    days on market $125,000 Active 11 DOM
13. 2026-06-01
    days on market $125,000 Active 10 DOM
14. 2026-05-31
    days on market $125,000 Active 9 DOM
15. 2026-05-22
    listed $125,000 Active
16. 2022-04-18
    historical
17. 2017-10-13
    soldstatus $30,000 508-char remark

    Show marketing remark (508 chars)

    Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

18. 2017-10-13
    soldstatus $30,000

    Show marketing remark (508 chars)

    Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

19. 2017-10-13
    soldstatus $30,000

    Show marketing remark (508 chars)

    Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

20. 2016-07-19
    listed $35,000 508-char remark

    Show marketing remark (508 chars)

    Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

21. 2016-07-19
    listed $35,000

    Show marketing remark (508 chars)

    Move-in ready Tamaqua home! Recently remodeled kitchen and laundry area. Living room features beautiful woodwork. Fenced in backyard. Area rugs cover original hardwood in all of the bedrooms. Third floor is heated, one bedroom is finished, the other large area is waiting for you to convert into a home office, exercise room. .. the choice is yours! Cost efficient coal heat. Easy access to both 309 N and S. Walking distance to a park and basketball courts. Don't pass this one by. Schedule a showing today!

22. 2016-04-21
    historical
23. 2015-09-21
    listed $39,900
24. 2015-09-21
    listed $39,900
25. 2012-09-05
    historical
26. 2012-07-09
    listed $39,900
27. 2012-06-30
    historical
28. 2011-12-07
    listed $41,900
29. 2011-12-05
    historical
30. 2011-06-13
    listed $41,900
31. 2011-05-31
    historical
32. 2010-11-05
    listed $49,900
33. 2010-11-03
    historical
34. 2010-05-06
    listed $53,900

ⓘ 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: $1,733 · $144/mo
• Projected year-2 tax: $1,854 · $154/mo
• Expected delta: +$121/yr (+$10/mo · 7.0%)

ⓘ 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) · 67% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $16,455
• − Mortgage interest: −$7,002
• − Property taxes: −$1,733
• − Insurance: −$625
• − Repairs & maintenance: −$1,316
• − Management: −$1,316
• − Depreciation: −$3,636
• Taxable income: $827
• Est. tax owed @ 24.0%: −$198
• After-tax cash flow: $2,578/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: Tamaqua Area SD
• NCES district ID: 4223220
• Math proficiency: 31% ▼ -9.00%
• Reading proficiency: 53% ▼ -8.00%
• Median HH income: $45,184
• Composite: 35.61/100
• National rank: #4893
• State rank: #331 of 539 in PA

Livability — Tamaqua

• Score: 80/100
• State rank: #209
• US rank: #1844

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tamaqua, PA
• Population (ZIP): 11,065

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 9% Two or more races 8%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3% Salvadoran 2%
• Common ancestry: Romanian 11% Iranian 3% Polish 2%
• Foreign-born: 2% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -35.53%
• Current HPI: 194.8976
• 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

+131.9% since first listed

20 events — show timeline

• 2026-05-22 Listed $125,000 GLVRMLS
• 2022-04-18 Listing Removed — GLVRMLS
• 2017-10-13 Sold (Public Records) $30,000 Public Records
• 2017-10-13 Sold (MLS) $30,000 BRIGHT MLS
• 2017-10-13 Sold (MLS) $30,000 GLVRMLS
• 2016-07-19 Listed $35,000 BRIGHT MLS
• 2016-07-19 Listed $35,000 GLVRMLS
• 2016-04-21 Listing Removed — BRIGHT MLS
• 2015-09-21 Listed $39,900 BRIGHT MLS
• 2015-09-21 Listed $39,900 GLVRMLS
• 2012-09-05 Listing Removed — GLVRMLS
• 2012-07-09 Listed $39,900 GLVRMLS
• 2012-06-30 Listing Removed — GLVRMLS
• 2011-12-07 Listed $41,900 GLVRMLS
• 2011-12-05 Listing Removed — GLVRMLS
• 2011-06-13 Listed $41,900 GLVRMLS
• 2011-05-31 Listing Removed — GLVRMLS
• 2010-11-05 Listed $49,900 GLVRMLS
• 2010-11-03 Listing Removed — GLVRMLS
• 2010-05-06 Listed $53,900 GLVRMLS

Property tax history

+2.7%/yr

Latest (2025): $1,733 · +7.9% YoY. Source: county tax records.