540 Freemont Ct · Hazleton, PA 18201

$130,000

4 bd · 1.0 ba · 1,503 sqft · SingleFamily · 35 Days on market

Fair condition 1,500 sqft lot $86/sqft · 32% below area Est $190k · 32% under

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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 +23.7/30.0
• ARV discount +15.0/15.0
• DSCR +7.6/10.0
• 1% rule +6.2/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks

CALLING ALL INVESTORS. ADD THIS PROPERTY TO YOUR PORTFOLIO 4-bedroom, 1-bath home on a desirable corner lot priced at $135,000! SOLD AS IS--perfect opportunity for investors or buyers looking to add value. Spacious yard offers great outdoor potential.

Key facts

• 1,500 sq ft lot
• Listed 35 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single family residence; Two levels; Residential zoning
• Construction: Vinyl siding; 1,200 above-grade finished area
• Exterior features: Fenced yard; Corner lot

Interior

• Kitchen: Eat-in kitchen
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric baseboard heating
• Interior features: Eat-in kitchen; 7 total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $130k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $247 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $126k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 4.5% in Hazleton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 67/100 on livability (#930 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools F, amenities F, commute F.
• Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 118 active listings in the ZIP; 1 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 $899 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

• It's been on market 35 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.

Recommended offer $126,100 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.12% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.15%
• DSCR: 1.36
• GRM: 7.5

CMA / ARV

• ARV (median comp): $189,864
• List price: $130,000
• Delta: -31.53%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
591 Cleveland St	0.10mi	3/1.0 (-1)	1,503 (0%)	13mo	$140,000	$93	80
808 3rd St	0.16mi	3/2.0 (-1)	1,556 (+4%)	1mo	$325,000	$209	76
527 Monges St	0.15mi	4/2.0	1,540 (+2%)	14mo	$240,000	$156	73
720 7th St	0.20mi	4/2.0	1,700 (+13%)	1mo	$245,000	$144	64
696 Garfield St	0.37mi	3/1.0 (-1)	1,400 (-7%)	11mo	$235,000	$168	57
575 Scott Ct	0.28mi	3/1.0 (-1)	1,343 (-11%)	10mo	$175,000	$130	56
706 Monges St	0.31mi	3/2.0 (-1)	1,657 (+10%)	7mo	$228,000	$138	54
608 Pardee St	0.24mi	3/1.0 (-1)	1,280 (-15%)	7mo	$229,900	$180	53
555 Garfield St	0.20mi	3/2.0 (-1)	1,688 (+12%)	9mo	$183,000	$108	53
21 8th St	0.59mi	3/1.5 (-1)	1,485 (-1%)	14mo	$197,000	$133	52
619 Perry Ct	0.46mi	4/1.5	1,668 (+11%)	14mo	$180,000	$108	46
900 9th St	0.35mi	3/2.0 (-1)	1,305 (-13%)	13mo	$216,000	$166	42

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: -3.9%
• Equity multiple: 0.85×
• Total profit: $-5,306
• Equity at exit: $19,383

10-year hold

• IRR: 5.8%
• Equity multiple: 1.43×
• Total profit: $15,734
• Equity at exit: $11,240

Cash invested: $36,400 (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 18201

• Home prices YoY: -14.9%
• Active inventory: 118
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,450 medium
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $247

Break-even live

Break-even rent $1,137

Max offer price $130,000

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
538 Carson St Hazleton, PA	3.0	1.0	1400	$1,450	$1.04	43d	1	0.54mi

Listing history 14 events

1. 2026-06-18
   status $130,000 Pending 35 DOM
2. 2026-06-17
   days on market $130,000 Active 35 DOM
3. 2026-06-16
   days on market $130,000 Active 34 DOM
4. 2026-06-15
   days on market $130,000 Active 33 DOM
5. 2026-06-14
   days on market $130,000 Active 31 DOM
6. 2026-06-12
   days on market $130,000 Active 30 DOM
7. 2026-06-09
   days on market $130,000 Active 27 DOM
8. 2026-06-08
   days on market $130,000 Active 26 DOM
9. 2026-06-07
   days on market $130,000 Active 25 DOM
10. 2026-06-02
    days on market $130,000 Active 20 DOM
11. 2026-06-01
    days on market $130,000 Active 19 DOM
12. 2026-05-31
    days on market $130,000 Active 18 DOM
13. 2026-05-30
    days on market $130,000 Active 17 DOM
14. 2026-05-13
    listed $130,000 Active 251-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 16 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,400
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$650
• − Repairs & maintenance: −$1,392
• − Management: −$1,392
• − Depreciation: −$3,782
• Taxable income: $952
• Est. tax owed @ 24.0%: −$229
• After-tax cash flow: $2,737/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.

Condition & rehab AI · 18 photos

Fair 45/100 Moderate rehab

This property requires moderate renovations, including repairs to the kitchen, bathroom, exterior, and plumbing. Painting and flooring replacement can significantly increase its value.

Repairs flagged

• Major Exposed plumbing — Exposed plumbing indicates potential water damage
• Major Missing countertops — Missing countertops in the kitchen
• Major Missing fixtures — Missing fixtures in the bathroom
• Major Damaged siding — Damaged siding requires repair
• Major Missing windows — Missing windows need replacement

Value-add opportunities

• Both Painting — Fresh paint can improve curb appeal and interior aesthetics
• Both Flooring replacement — New flooring can enhance the home's value and appeal
• Both Plumbing repairs — Fixing exposed plumbing can prevent further damage and improve functionality

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exposed plumbing · Exposed plumbing indicates potential water damage	Major	$15,000–50,000
Missing countertops · Missing countertops in the kitchen	Major	$15,000–50,000
Missing fixtures · Missing fixtures in the bathroom	Major	$15,000–50,000
Damaged siding · Damaged siding requires repair	Major	$15,000–50,000
Missing windows · Missing windows need replacement	Major	$15,000–50,000
Total estimated repair cost · 5 items		$75,000–250,000

Value-add ROI direction

• Both Painting — Fresh paint can improve curb appeal and interior aesthetics ↑
• Both Flooring replacement — New flooring can enhance the home's value and appeal ↑
• Both Plumbing repairs — Fixing exposed plumbing can prevent further damage and improve functionality ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Hazleton Area SD
• NCES district ID: 4211700
• Math proficiency: 18% ▼ -3.00%
• Reading proficiency: 30% ▼ -15.00%
• Median HH income: $42,247
• Composite: 20.44/100
• National rank: #8582
• State rank: #476 of 539 in PA

Livability — Hazleton

• Score: 67/100
• State rank: #930
• US rank: #10115

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: Hazleton, PA
• City population: 13,755
• Population (ZIP): 31,428

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: Majority Hispanic (60%)
• Race & ethnicity: Hispanic / Latino 60% White 36% Two or more races 18% Black 2%
• Hispanic origin (detail): Mexican 6% Puerto Rican 6% Dominican 41%
• Common ancestry: Romanian 5% Iranian 1% Russian 1%
• Foreign-born: 36% · Canada, Jamaica
• Languages at home: 43% English-only · Spanish 54% Russian/Polish/Slavic 1% Other Indo-European 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: ▼ -62.00%
• Current HPI: 354.7443
• 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

2 events — show timeline

• 2026-06-18 Pending — LCAR
• 2026-05-13 Listed $130,000 LCAR