181 Hillside St · Trucksville, PA 18708

$129,900

3 bd · 1.0 ba · 1,516 sqft · SingleFamily public records · 12 Days on market

Built 1930 0.34 ac lot Est $238k · 45% under ↓ 28% 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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.7/10.0
• Schools +4.8/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

$10K PRICE REDUCTION! SELLER WANTS THIS HOME SOLD ASAP! Great value for a home located in the Dallas school District. Great 3 Bedroom, 1 Bathroom home situated on large corner lot in Shavertown. This 2-story with a first-floor bedroom has tons of potential. The home offers a nice office space, newer roof and ductless heat/air units. SOLD AS IS Inspection report and recently appraised for $160K, Baths: 1 Bath Lev 2, Beds: 1 Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1175.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Formal Dining Room: Y, Semi-Modern Kitchen: Y, SqFt Fin - 2nd: 350.00

Key facts

• Enclosed back porch
• Office area
• Corner lot

Tags

• CORNER LOT
• OFFICE AREA
• ENCLOSED BACK PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $163 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).

Location & tenants

• Location reads 78/100 on livability (#312 in PA, #2,778 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F.
• Dallas SD (suburban): math 47% / reading 64% proficiency, ranked #97 of 539 in PA (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Market conditions: 44 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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 $103k; 26% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $129,900

Questions for the listing agent

1. Built in 1930 — 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 B-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. 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.
5. 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.
6. 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: 1.07% ✓
• Cap rate: 7.80%
• Cash-on-cash: 5.39%
• DSCR: 1.24
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $238,012
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
183 Terrace Ave	0.07mi	2/1.0 (-1)	1,400 (-8%)	4mo	$240,000	$171	76
221 Terrace Ave Ave	0.13mi	3/2.0	1,586 (+5%)	8mo	$249,000	$157	75
134 Doran Dr	0.69mi	3/1.5	1,450 (-4%)	1mo	$265,000	$183	58
249 Cliffside Ave	0.72mi	3/2.0	1,499 (-1%)	4mo	$215,000	$143	57
178 Harris Hill Rd	0.66mi	3/1.5	1,500 (-1%)	11mo	$210,000	$140	57
228 Terrace Ave	0.15mi	3/2.0	1,315 (-13%)	16mo	$255,000	$194	54
287 Meadowcrest Dr	0.40mi	4/2.0 (+1)	1,368 (-10%)	9mo	$136,000	$99	48
234 Cliffside Ave	0.68mi	3/1.0	1,344 (-11%)	3mo	$155,000	$115	47
40 Harris Hill Rd	0.67mi	4/1.0 (+1)	1,400 (-8%)	10mo	$170,000	$121	43
42 Grove St	0.60mi	3/1.0	1,400 (-8%)	22mo	$230,000	$164	41
41 Harris Hill Rd	0.64mi	3/1.0	1,300 (-14%)	16mo	$150,000	$115	33
347 Terrace Ave	0.67mi	4/2.5 (+1)	1,685 (+11%)	15mo	$305,000	$181	26

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: -7.9%
• Equity multiple: 0.71×
• Total profit: $-10,600
• Equity at exit: $19,369

10-year hold

• IRR: 1.7%
• Equity multiple: 1.12×
• Total profit: $4,342
• Equity at exit: $11,231

Cash invested: $36,372 (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 18708

• Home prices YoY: -23.7%
• Active inventory: 44
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,386 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$196 /mo · $2,356/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $163

Break-even live

Break-even rent $1,179

Max offer price $129,900

Occupancy floor 83%

Sensitivity live

Price	-10% $237	-5% $200	+0% $163	+5% $127	+10% $90
Rent	-10% $54	-5% $109	+0% $163	+5% $218	+10% $273
Rate	-1.0pp $229	-0.5pp $196	base $163	+0.5pp $130	+1.0pp $96

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
683 Memorial Hwy Shavertown, PA	3.0	1.0	1225	$1,295	$1.06	15d	1	1.02mi
113 E Center St Shavertown, PA	2.0	1.0	1075	$1,500	$1.40	22d	1	1.12mi

Listing history 19 events

1. 2026-06-09
   status $129,900 Pending 12 DOM
2. 2026-06-08
   days on market $129,900 Active 12 DOM
3. 2026-06-07
   days on market $129,900 Active 11 DOM
4. 2026-06-02
   days on market $129,900 Active 6 DOM
5. 2026-06-01
   days on market $129,900 Active 5 DOM
6. 2026-05-31
   days on market $129,900 Active 4 DOM
7. 2026-05-30
   days on market $129,900 Active 3 DOM
8. 2026-04-21
   status Pending
9. 2026-04-20
   listed $129,900 Active
10. 2023-11-01
    soldstatus $103,000
11. 2023-10-24
    soldstatus $103,000 Closed 593-char remark

    Show marketing remark (593 chars)

    $10K PRICE REDUCTION! SELLER WANTS THIS HOME SOLD ASAP! Great value for a home located in the Dallas school District. Great 3 Bedroom, 1 Bathroom home situated on large corner lot in Shavertown. This 2-story with a first-floor bedroom has tons of potential. The home offers a nice office space, newer roof and ductless heat/air units. SOLD AS IS Inspection report and recently appraised for $160K, Baths: 1 Bath Lev 2, Beds: 1 Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1175.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Formal Dining Room: Y, Semi-Modern Kitchen: Y, SqFt Fin - 2nd: 350.00

12. 2023-09-21
    status Pending 593-char remark

    Show marketing remark (593 chars)

    $10K PRICE REDUCTION! SELLER WANTS THIS HOME SOLD ASAP! Great value for a home located in the Dallas school District. Great 3 Bedroom, 1 Bathroom home situated on large corner lot in Shavertown. This 2-story with a first-floor bedroom has tons of potential. The home offers a nice office space, newer roof and ductless heat/air units. SOLD AS IS Inspection report and recently appraised for $160K, Baths: 1 Bath Lev 2, Beds: 1 Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1175.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Formal Dining Room: Y, Semi-Modern Kitchen: Y, SqFt Fin - 2nd: 350.00

13. 2023-06-28
    price $139,900 593-char remark

    Show marketing remark (593 chars)

    $10K PRICE REDUCTION! SELLER WANTS THIS HOME SOLD ASAP! Great value for a home located in the Dallas school District. Great 3 Bedroom, 1 Bathroom home situated on large corner lot in Shavertown. This 2-story with a first-floor bedroom has tons of potential. The home offers a nice office space, newer roof and ductless heat/air units. SOLD AS IS Inspection report and recently appraised for $160K, Baths: 1 Bath Lev 2, Beds: 1 Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1175.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Formal Dining Room: Y, Semi-Modern Kitchen: Y, SqFt Fin - 2nd: 350.00

14. 2023-06-13
    listed $149,000 Active 593-char remark

    Show marketing remark (593 chars)

    $10K PRICE REDUCTION! SELLER WANTS THIS HOME SOLD ASAP! Great value for a home located in the Dallas school District. Great 3 Bedroom, 1 Bathroom home situated on large corner lot in Shavertown. This 2-story with a first-floor bedroom has tons of potential. The home offers a nice office space, newer roof and ductless heat/air units. SOLD AS IS Inspection report and recently appraised for $160K, Baths: 1 Bath Lev 2, Beds: 1 Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1175.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Formal Dining Room: Y, Semi-Modern Kitchen: Y, SqFt Fin - 2nd: 350.00

15. 2023-05-18
    status Pending
16. 2023-05-09
    price $149,000
17. 2023-02-28
    price $165,000
18. 2022-11-28
    price $174,000
19. 2022-11-18
    listed $179,500 Active

ⓘ 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: $2,356 · $196/mo
• Projected year-2 tax: $2,356 · $196/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 3/10 Moderate 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,634
• − Mortgage interest: −$7,276
• − Property taxes: −$2,356
• − Insurance: −$650
• − Repairs & maintenance: −$1,331
• − Management: −$1,331
• − Depreciation: −$3,779
• Taxable loss: −$88
• Est. tax savings @ 24.0%: +$21
• After-tax cash flow: $1,982/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: Dallas SD
• NCES district ID: 4207200
• Math proficiency: 47% ▼ -13.00%
• Reading proficiency: 64% ▼ -11.00%
• Median HH income: $61,760
• Composite: 48.4/100
• National rank: #2138
• State rank: #97 of 539 in PA

Livability — Trucksville

• Score: 78/100
• State rank: #312
• US rank: #2778

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Trucksville, PA
• Population (ZIP): 9,063

Population outlook (Luzerne County) Hauer SSP2

• Today (2025): 319,505 people
• By 2030: 319,943 · +0.1%
• By 2040: 322,643 · +1.0%
• By 2050: 330,817 · +3.5%
• By 2075: 379,145 · +18.7%
• By 2100: 431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 3% Hispanic / Latino 2% Asian 2%
• Common ancestry: Romanian 21% Scotch-Irish 3% Polish 1%
• Foreign-born: 4% · Canada
• Languages at home: 96% English-only · Other Indo-European 2% Spanish 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Luzerne

• 2024 margin: R (+19.2) · D 40.0% · R 59.2%
• 2008→2024 swing: -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
• All cycles: 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -74.60%
• Current HPI: 239.7587
• 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

-27.6% since first listed

12 events — show timeline

• 2026-04-21 Pending — LCAR
• 2026-04-20 Listed $129,900 LCAR
• 2023-11-01 Sold (Public Records) $103,000 Public Records
• 2023-10-24 Sold (MLS) $103,000 GSBR as distributed by MLS GRID
• 2023-09-21 Pending — GSBR as distributed by MLS GRID
• 2023-06-28 Price Changed $139,900 GSBR as distributed by MLS GRID
• 2023-06-13 Listed $149,000 GSBR as distributed by MLS GRID
• 2023-05-18 Pending — LCAR
• 2023-05-09 Price Changed $149,000 LCAR
• 2023-02-28 Price Changed $165,000 LCAR
• 2022-11-28 Price Changed $174,000 LCAR
• 2022-11-18 Listed $179,500 LCAR

Property tax history

+2.2%/yr

Latest (2026): $2,356 · +5.9% YoY. Source: county tax records.