212 N 2nd St · Pottsville, PA 17901

$121,900

2 bd · 1.5 ba · 1,822 sqft · SingleFamily public records · 632 Days on market

Built 1900 871 sqft lot $67/sqft · 84% above area Est $83k · 48% 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 +23.9/30.0
• DSCR +7.7/10.0
• 1% rule +5.2/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 Bedroom, 1.5 Bathroom Brick Home in Pottsville. Tenant occupied. Low taxes. Downtown location. Over 2200 sq ft. Sold as-is. Cash sales only. Call for more info!

Key facts

• Brick home
• Downtown location
• Built 1900

Tags

• BRICK HOME
• DOWNTOWN LOCATION

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $122k.

Deal economics

• At list price, monthly cash flow is $237 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $122k).
• Recommended offer: $107k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 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; 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 $843 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.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $34k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 632 days — a 12% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 7y 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 $22k; list at $122k implies a 442% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $107,272 (12.0% below list)

Questions for the listing agent

1. It's been on market 632 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 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?
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: 1.02% ✓
• Cap rate: 8.63%
• Cash-on-cash: 8.34%
• DSCR: 1.37
• GRM: 8.2

CMA / ARV

• ARV (median comp): $82,569
• List price: $121,900
• Delta: 47.63%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
436 Wheeler St	0.33mi	3/1.5 (+1)	1,678 (-8%)	4mo	$300,000	$179	64
Railroad St W #220	0.27mi	3/2.0 (+1)	1,684 (-8%)	11mo	$174,000	$103	59
718 Seneca St	0.46mi	3/2.0 (+1)	1,751 (-4%)	16mo	$154,900	$88	52
1128 W Norwegian St	0.51mi	3/1.5 (+1)	1,796 (-1%)	22mo	$121,000	$67	51
1324 W Norwegian St	0.67mi	3/1.5 (+1)	1,747 (-4%)	20mo	$38,000	$22	40
612 Carbon St	0.53mi	3/1.5 (+1)	1,699 (-7%)	23mo	$140,000	$82	40
1112 Mahantongo St	0.51mi	3/1.0 (+1)	1,980 (+9%)	23mo	$110,000	$56	35

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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: -0.9%
• Equity multiple: 0.96×
• Total profit: $-1,212
• Equity at exit: $18,176

10-year hold

• IRR: 11.2%
• Equity multiple: 1.98×
• Total profit: $33,287
• Equity at exit: $10,540

Cash invested: $34,132 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,244 high
• Mortgage (P&I): −$639
• Tax from tax record: −$55 /mo · $662/yr
• Insurance: −$51
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $237

Break-even live

Break-even rent $943

Max offer price $121,900

Occupancy floor 76%

Sensitivity live

Price	-10% $306	-5% $272	+0% $237	+5% $203	+10% $168
Rent	-10% $139	-5% $188	+0% $237	+5% $286	+10% $336
Rate	-1.0pp $299	-0.5pp $268	base $237	+0.5pp $206	+1.0pp $174

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: $30,475
• Closing costs: $3,657
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	45d	1	0.25mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	45d	1	0.28mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	45d	1	0.43mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	45d	1	0.45mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	45d	1	0.51mi
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	45d	1	1.28mi

Listing history 28 events

1. 2026-06-21
   days on market $121,900 Active 632 DOM
2. 2026-06-19
   days on market $121,900 Active 630 DOM
3. 2026-06-18
   days on market $121,900 Active 629 DOM
4. 2026-06-17
   days on market $121,900 Active 628 DOM
5. 2026-06-16
   days on market $121,900 Active 627 DOM
6. 2026-06-15
   days on market $121,900 Active 626 DOM
7. 2026-06-14
   days on market $121,900 Active 624 DOM
8. 2026-06-12
   days on market $121,900 Active 623 DOM
9. 2026-06-09
   days on market $121,900 Active 620 DOM
10. 2026-06-08
    days on market $121,900 Active 619 DOM
11. 2026-06-07
    days on market $121,900 Active 618 DOM
12. 2026-06-07
    days on market $121,900 Active 617 DOM
13. 2026-06-01
    days on market $121,900 Active 615 DOM
14. 2026-05-31
    days on market $121,900 Active 614 DOM
15. 2026-05-31
    days on market $121,900 Active 613 DOM
16. 2025-12-08
    status Active 162-char remark

    Show marketing remark (162 chars)

    3 Bedroom, 1.5 Bathroom Brick Home in Pottsville. Tenant occupied. Low taxes. Downtown location. Over 2200 sq ft. Sold as-is. Cash sales only. Call for more info!

17. 2025-12-01
    historical 162-char remark

    Show marketing remark (162 chars)

    3 Bedroom, 1.5 Bathroom Brick Home in Pottsville. Tenant occupied. Low taxes. Downtown location. Over 2200 sq ft. Sold as-is. Cash sales only. Call for more info!

18. 2025-05-22
    price $121,900 162-char remark

    Show marketing remark (162 chars)

    3 Bedroom, 1.5 Bathroom Brick Home in Pottsville. Tenant occupied. Low taxes. Downtown location. Over 2200 sq ft. Sold as-is. Cash sales only. Call for more info!

19. 2024-09-17
    listed $125,900 Active 162-char remark

    Show marketing remark (162 chars)

    3 Bedroom, 1.5 Bathroom Brick Home in Pottsville. Tenant occupied. Low taxes. Downtown location. Over 2200 sq ft. Sold as-is. Cash sales only. Call for more info!

20. 2024-09-01
    historical
21. 2024-02-23
    status Active
22. 2023-12-01
    historical
23. 2022-12-03
    listed $125,900 Active
24. 2019-10-01
    status Pending
25. 2019-10-01
    soldstatus $22,500 Closed
26. 2019-08-24
    price $22,900
27. 2019-07-22
    listed $24,900 Active
28. 2001-07-26
    soldstatus $14,500

ⓘ 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: $662 · $55/mo
• Projected year-2 tax: $1,294 · $108/mo
• Expected delta: +$632/yr (+$53/mo · 95.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 65% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,924
• − Mortgage interest: −$6,828
• − Property taxes: −$662
• − Insurance: −$610
• − Repairs & maintenance: −$1,194
• − Management: −$1,194
• − Depreciation: −$3,546
• Taxable income: $890
• Est. tax owed @ 24.0%: −$214
• After-tax cash flow: $2,634/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, 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

+740.7% since first listed

13 events — show timeline

• 2025-12-08 Relisted — BRIGHT MLS
• 2025-12-01 Listing Removed — BRIGHT MLS
• 2025-05-22 Price Changed $121,900 BRIGHT MLS
• 2024-09-17 Listed $125,900 BRIGHT MLS
• 2024-09-01 Listing Removed — BRIGHT MLS
• 2024-02-23 Relisted — BRIGHT MLS
• 2023-12-01 Listing Removed — BRIGHT MLS
• 2022-12-03 Listed $125,900 BRIGHT MLS
• 2019-10-01 Pending — BRIGHT MLS
• 2019-10-01 Sold (MLS) $22,500 BRIGHT MLS
• 2019-08-24 Price Changed $22,900 BRIGHT MLS
• 2019-07-22 Listed $24,900 BRIGHT MLS
• 2001-07-26 Sold (Public Records) $14,500 Public Records

Property tax history

+3.1%/yr

Latest (2025): $662 · +8.6% YoY. Source: county tax records.