411 Spruce St · Mahanoy City, PA 17948

$79,900

3 bd · 1.0 ba · 1,372 sqft · Townhouse public records · 22 Days on market

Built 1890 819 sqft lot Est $58k · 39% over

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

3 Bedroom, 1 Bath townhouse. Move-in ready with little repairs needed. No yard. Sold AS-IS

Key facts

• Built 1890
• Listed 22 days

Property features AI

Finance

• Financial info: Annual tax amount listed

Exterior

• Utilities: Public water; Public sewer
• Home design: Residential townhouse; Three or more levels; Vinyl siding
• Construction: Vinyl siding construction
• Exterior features: Lot approximately 13 x 63; Residential zoning

Interior

• Bathrooms: One full bathroom
• Heating & cooling: Electric heating; Baseboard heating
• Interior features: Seven total rooms; Basement present

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $80k.

Deal economics

• At list price, monthly cash flow is $503 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $79k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#1,129 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools F, crime F, commute F.
• Mahanoy Area SD (town): math 11% / reading 30% proficiency, ranked #494 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 43 active listings in the ZIP; 1 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 $4k of equity ($552 loan paydown + $3k appreciation (3.9% 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 (3.9% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $58k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $78,701 (1.5% below list)

Questions for the listing agent

1. Built in 1890 — 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 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?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.63% ✓
• Cap rate: 13.84%
• Cash-on-cash: 26.96%
• DSCR: 2.20
• GRM: 5.1

CMA / ARV

• ARV (on-the-fly): $57,624
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
411 W Spruce St	0.00mi	3/1.0	1,372 (0%)	2mo	$57,500	$42	98
114 W South St	0.17mi	3/1.0	1,394 (+2%)	10mo	$8,500	$6	81
114 W Mahanoy St	0.17mi	3/1.0	1,360 (-1%)	12mo	$78,000	$57	81
639 W Centre	0.22mi	3/1.0	1,456 (+6%)	2mo	$40,777	$28	78
532 W Mahanoy St	0.09mi	3/1.5	1,456 (+6%)	8mo	$88,000	$60	77
29 Mahanoy St	0.21mi	4/1.0 (+1)	1,326 (-3%)	4mo	$37,000	$28	76
101 S Catawissa St	0.08mi	4/1.5 (+1)	1,536 (+12%)	1mo	$104,000	$68	69
217 W Mahanoy	0.12mi	4/1.0 (+1)	1,536 (+12%)	5mo	$109,000	$71	65
16 E Pine St	0.28mi	3/2.0	1,212 (-12%)	1mo	$72,000	$59	63
217 W Pine St	0.14mi	4/1.0 (+1)	1,534 (+12%)	9mo	$45,000	$29	61
324 E Market St	0.46mi	3/1.5	1,314 (-4%)	12mo	$41,000	$31	60
221 E Mahanoy St	0.39mi	3/1.5	1,508 (+10%)	10mo	$30,000	$20	55

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 34.6%
• Equity multiple: 3.04×
• Total profit: $45,687
• Equity at exit: $40,234

10-year hold

• IRR: 33.9%
• Equity multiple: 6.05×
• Total profit: $112,989
• Equity at exit: $65,587

Cash invested: $22,372 (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 17948

• Home prices YoY: 1.7%
• Active inventory: 43
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$72 /mo · $865/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $503

Break-even live

Break-even rent $664

Max offer price $79,900

Occupancy floor 56%

Sensitivity live

Price	-10% $548	-5% $525	+0% $503	+5% $480	+10% $457
Rent	-10% $400	-5% $451	+0% $503	+5% $554	+10% $605
Rate	-1.0pp $543	-0.5pp $523	base $503	+0.5pp $482	+1.0pp $461

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
324 E Market St Mahanoy City, PA	3.0	1.5	1314	$1,300	$0.99	44d	1	0.42mi

Listing history 22 events

1. 2026-06-21
   days on market $79,900 Active 22 DOM
2. 2026-06-18
   days on market $79,900 Active 20 DOM
3. 2026-06-17
   days on market $79,900 Active 19 DOM
4. 2026-06-16
   days on market $79,900 Active 18 DOM
5. 2026-06-15
   days on market $79,900 Active 17 DOM
6. 2026-06-13
   days on market $79,900 Active 15 DOM
7. 2026-06-12
   pricedays on market $79,900 Active 14 DOM
8. 2026-06-09
   days on market $89,900 Active 11 DOM
9. 2026-06-08
   days on market $89,900 Active 10 DOM
10. 2026-06-08
    days on market $89,900 Active 9 DOM
11. 2026-06-07
    days on market $89,900 Active 8 DOM
12. 2026-06-04
    days on market $89,900 Active 5 DOM
13. 2026-06-02
    days on market $89,900 Active 4 DOM
14. 2026-06-01
    days on market $89,900 Active 3 DOM
15. 2026-05-31
    days on market $89,900 Active 2 DOM
16. 2026-05-27
    listed $89,900 Active
17. 2026-04-17
    soldstatus $57,500
18. 2026-04-08
    soldstatus $57,500 Closed 90-char remark

    Show marketing remark (90 chars)

    3 Bedroom, 1 Bath townhouse. Move-in ready with little repairs needed. No yard. Sold AS-IS

19. 2026-03-13
    status Pending 90-char remark

    Show marketing remark (90 chars)

    3 Bedroom, 1 Bath townhouse. Move-in ready with little repairs needed. No yard. Sold AS-IS

20. 2026-02-26
    price $60,000 90-char remark

    Show marketing remark (90 chars)

    3 Bedroom, 1 Bath townhouse. Move-in ready with little repairs needed. No yard. Sold AS-IS

21. 2026-02-09
    listed $65,000 Active 90-char remark

    Show marketing remark (90 chars)

    3 Bedroom, 1 Bath townhouse. Move-in ready with little repairs needed. No yard. Sold AS-IS

22. 1993-02-05
    soldstatus $21,000

ⓘ 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: $865 · $72/mo
• Projected year-2 tax: $1,064 · $89/mo
• Expected delta: +$199/yr (+$17/mo · 22.9%)

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $15,600
• − Mortgage interest: −$4,476
• − Property taxes: −$865
• − Insurance: −$400
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$2,324
• Taxable income: $5,039
• Est. tax owed @ 24.0%: −$1,209
• After-tax cash flow: $4,822/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: Mahanoy Area SD
• NCES district ID: 4214430
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 30% ▼ -13.00%
• Median HH income: $36,347
• Composite: 16.95/100
• National rank: #9136
• State rank: #494 of 539 in PA

Livability — Mahanoy City

• Score: 65/100
• State rank: #1129
• US rank: #12973

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mahanoy City, PA
• Population (ZIP): 4,124

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 (81%)
• Race & ethnicity: White 81% Hispanic / Latino 15% Two or more races 9%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Dominican 8%
• Common ancestry: Romanian 9% Iranian 3% Hungarian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 11% Arabic 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: ▲ 3.94%
• Current HPI: 234.7484
• 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

+328.1% since first listed

7 events — show timeline

• 2026-05-27 Listed $89,900 LCAR
• 2026-04-17 Sold (Public Records) $57,500 Public Records
• 2026-04-08 Sold (MLS) $57,500 BRIGHT MLS
• 2026-03-13 Pending — BRIGHT MLS
• 2026-02-26 Price Changed $60,000 BRIGHT MLS
• 2026-02-09 Listed $65,000 BRIGHT MLS
• 1993-02-05 Sold (Public Records) $21,000 Public Records

Property tax history

+1.8%/yr

Latest (2025): $865 · +5.7% YoY. Source: county tax records.