128 Preston Ave · Girardville, PA 17935

$19,900

2 bd · 1.0 ba · 754 sqft · Townhouse public records · 274 Days on market

Built 1900 871 sqft lot $26/sqft · 22% below area Est $34k · 41% under ↓ 50% since listing

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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 +15.0/30.0
• ARV discount +15.0/15.0
• Appreciation +6.5/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

Key facts

• On-street parking
• Dirt floor basement
• Built 1900

Tags

• INVESTMENT OPPORTUNITY
• DIRT FLOOR BASEMENT
• ON-STREET PARKING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $20k.

Deal economics

• At list price, monthly cash flow is $597 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($947 rent vs $20k).
• Recommended offer: $18k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#1,185 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: North Schuylkill Elem Sch (math 17% / reading 48%, grade F, #1,089 of 1,518 statewide, top 72%, 1,089 students, 56% FRL); North Schuylkill Jshs (math 21% / reading 47%, grade F, #318 of 437 statewide, top 73%, 1,008 students, 51% FRL) — zoned schools average 54% FRL vs 35% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 8 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

• In year one you build about $746 of equity ($138 loan paydown + $608 appreciation (3.1% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.1% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 274 days — a 12% lower offer ($18k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $20k (50%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $17,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 274 days. Have you received any prior offers? Is the seller open to a 12% 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 4.76% ✓
• Cap rate: 42.28%
• Cash-on-cash: 128.53%
• DSCR: 6.72
• GRM: 1.8

CMA / ARV

• ARV (median comp): $33,853
• List price: $19,900
• Delta: -41.22%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

3.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 8.27×
• Total profit: $40,490
• Equity at exit: $9,011

10-year hold

• IRR: —
• Equity multiple: 17.30×
• Total profit: $90,832
• Equity at exit: $13,937

Cash invested: $5,572 (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 17935

• Home prices YoY: 1.5%
• Active inventory: 8
• Price-to-rent: 1.8×

Monthly cashflow live

• Estimated rent: $947 medium
• Mortgage (P&I): −$104
• Tax from tax record: −$39 /mo · $468/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$199
• Net cashflow: $597

Break-even live

Break-even rent $192

Max offer price $19,900

Occupancy floor 32%

Sensitivity live

Price	-10% $608	-5% $602	+0% $597	+5% $591	+10% $586
Rent	-10% $522	-5% $559	+0% $597	+5% $634	+10% $672
Rate	-1.0pp $607	-0.5pp $602	base $597	+0.5pp $592	+1.0pp $586

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: $4,975
• Closing costs: $597
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 E Main St Unit 3A Girardville, PA	1.0	1.0	700	$900	$1.29	45d	1	0.24mi
132 E Main St Unit 1B Girardville, PA	2.0	1.0	900	$1,000	$1.11	45d	1	0.24mi

Listing history 26 events

1. 2026-06-21
   days on market $19,900 Active 274 DOM
2. 2026-06-19
   days on market $19,900 Active 272 DOM
3. 2026-06-18
   days on market $19,900 Active 271 DOM
4. 2026-06-17
   days on market $19,900 Active 270 DOM
5. 2026-06-16
   days on market $19,900 Active 269 DOM
6. 2026-06-15
   days on market $19,900 Active 268 DOM
7. 2026-06-14
   days on market $19,900 Active 266 DOM
8. 2026-06-12
   days on market $19,900 Active 265 DOM
9. 2026-06-09
   days on market $19,900 Active 262 DOM
10. 2026-06-08
    days on market $19,900 Active 261 DOM
11. 2026-06-07
    days on market $19,900 Active 260 DOM
12. 2026-06-07
    days on market $19,900 Active 259 DOM
13. 2026-06-04
    days on market $19,900 Active 256 DOM
14. 2026-06-02
    days on market $19,900 Active 255 DOM
15. 2026-06-01
    days on market $19,900 Active 254 DOM
16. 2026-05-31
    days on market $19,900 Active 253 DOM
17. 2026-05-31
    days on market $19,900 Active 252 DOM
18. 2026-04-20
    status Active 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

19. 2026-04-07
    status Pending 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

20. 2026-03-27
    status Active 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

21. 2026-03-19
    status Pending 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

22. 2026-02-27
    status Active 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

23. 2026-02-05
    status Pending 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

24. 2026-01-18
    price $19,900 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

25. 2025-08-17
    price $29,900 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

26. 2025-08-08
    listed $39,900 Active 1201-char remark

    Show marketing remark (1201 chars)

    This traditional end-of-row townhouse, built in 1900, presents a compelling investment opportunity in the Girardville area. With two bedrooms and one full bathroom, this property offers a solid foundation for rental income or renovation potential. The below-average condition provides an advantageous entry point for investors seeking to add value through strategic upgrades. The property features a dirt floor basement, which can be transformed into additional living space or storage, enhancing overall property value. On-street parking ensures convenience for tenants, while the absence of a pool reduces maintenance costs, appealing to budget-conscious renters. Located in a community with growth potential, this townhouse is poised for appreciation. Investors can capitalize on the demand for affordable housing in the area, making this property an attractive addition to any portfolio. With the right vision and investment, this property can yield significant returns in both rental income and long-term value appreciation. Property is currently occupied by squatters Owner is motivated and working to get them out!! Property sold AS-IS unable to get title insurance. Seller Financing Available!

ⓘ 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: $468 · $39/mo
• Projected year-2 tax: $468 · $39/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $11,369
• − Mortgage interest: −$1,115
• − Property taxes: −$468
• − Insurance: −$100
• − Repairs & maintenance: −$910
• − Management: −$910
• − Depreciation: −$579
• Taxable income: $7,289
• Est. tax owed @ 24.0%: −$1,749
• After-tax cash flow: $5,412/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Girardville

• Score: 64/100
• State rank: #1185
• US rank: #13883

Category grades

Amenities F Commute F 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: Girardville, PA
• City population: 1,359
• Population (ZIP): 1,359

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 (98%)
• Race & ethnicity: White 98% Two or more races 1%
• Common ancestry: Romanian 10% Iranian 5% Polish 4%
• Foreign-born: 0%
• Languages at home: 98% English-only · Other Indo-European 1% Spanish 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: ▲ 3.06%
• Current HPI: 213.0332
• 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

-50.1% since first listed

9 events — show timeline

• 2026-04-20 Relisted — BRIGHT MLS
• 2026-04-07 Pending — BRIGHT MLS
• 2026-03-27 Relisted — BRIGHT MLS
• 2026-03-19 Pending — BRIGHT MLS
• 2026-02-27 Relisted — BRIGHT MLS
• 2026-02-05 Pending — BRIGHT MLS
• 2026-01-18 Price Changed $19,900 BRIGHT MLS
• 2025-08-17 Price Changed $29,900 BRIGHT MLS
• 2025-08-08 Listed $39,900 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $468 · +9.3% YoY. Source: county tax records.