100 Rice St · Trucksville, PA 18708

$150,000

4 bd · 1.5 ba · 1,556 sqft · SingleFamily public records · 9 Days on market

Built 1925 0.34 ac lot Est $227k · 34% under ↓ 3% since listing

---

Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +12.3/30.0
• Schools +4.8/10.0
• Livability +3.9/5.0
• 1% rule +3.6/10.0
• DSCR +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 bed/1.5 bath ranch nestled in the back mountain. This property features a modern kitchen with SS appliances and granite tops, tile and hardwood throughout most of the home, built-ins, a spacious deck complimented with a hot tub, generous master suite with walk in closet, public water and sewer, ready to finish basement, and a tranquil outdoor space with a pond and fire pit area.

Key facts

• 0.34 acre lot
• Garage
• Listed 9 days

Property features AI

Exterior

• Parking: 1-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story
• Construction: Aluminum siding
• Exterior features: Deck; Cleared lot

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Electric baseboard heating
• Interior features: Dining room fireplace; Electric water heater; 7 total rooms; Basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-28 ($-330/yr) — negative.
• To cash-flow at today's rent, offer at most $145k (3.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (13.7% below list).
• Recommended offer: $130k (13.7% below list) — sets the bar for 1% rule.

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; 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 $1k 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 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 9y 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.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $129,500 (13.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.86% ✗
• Cap rate: 6.07%
• Cash-on-cash: -0.79%
• DSCR: 0.96
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $227,176
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
134 Doran Dr	0.15mi	3/1.5 (-1)	1,450 (-7%)	1mo	$265,000	$183	76
12 Division St	0.39mi	3/2.0 (-1)	1,600 (+3%)	8mo	$247,000	$154	63
40 Harris Hill Rd	0.22mi	4/1.0	1,400 (-10%)	10mo	$170,000	$121	62
65 Davis St	0.46mi	3/2.0 (-1)	1,500 (-4%)	6mo	$240,000	$160	60
249 Cliffside Ave	0.55mi	3/2.0 (-1)	1,499 (-4%)	4mo	$215,000	$143	58
11 Lehigh St	0.41mi	3/2.0 (-1)	1,608 (+3%)	16mo	$175,000	$109	55
37 Perrin Ave	0.55mi	3/1.0 (-1)	1,586 (+2%)	16mo	$224,000	$141	51
43 Pioneer Ave	0.58mi	3/1.5 (-1)	1,400 (-10%)	1mo	$205,000	$146	50
221 Terrace Ave Ave	0.71mi	3/2.0 (-1)	1,586 (+2%)	8mo	$249,000	$157	50
74 Shaver Ave	0.67mi	3/1.5 (-1)	1,695 (+9%)	3mo	$290,000	$171	46
234 Cliffside Ave	0.48mi	3/1.0 (-1)	1,344 (-14%)	3mo	$155,000	$115	45
178 Harris Hill Rd	0.74mi	3/1.5 (-1)	1,500 (-4%)	11mo	$210,000	$140	45

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: -17.6%
• Equity multiple: 0.38×
• Total profit: $-26,032
• Equity at exit: $22,365

10-year hold

• IRR: -9.6%
• Equity multiple: 0.41×
• Total profit: $-24,812
• Equity at exit: $12,969

Cash invested: $42,000 (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: 9.7×

Monthly cashflow live

• Estimated rent: $1,295 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$201 /mo · $2,418/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $-28

Break-even live

Break-even rent $1,330

Max offer price $145,136

Occupancy floor 97%

Sensitivity live

Price	-10% $57	-5% $15	+0% $-28	+5% $-70	+10% $-112
Rent	-10% $-130	-5% $-79	+0% $-28	+5% $24	+10% $75
Rate	-1.0pp $48	-0.5pp $11	base $-28	+0.5pp $-66	+1.0pp $-106

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 1 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	0.97mi

Listing history 8 events

1. 2026-06-13
   status $150,000 Pending 9 DOM
2. 2026-06-10
   days on market $150,000 Active 9 DOM
3. 2026-06-09
   days on market $150,000 Active 8 DOM
4. 2026-06-08
   days on market $150,000 Active 7 DOM
5. 2026-06-07
   remarks 138-char remark
6. 2026-06-07
   days on market $150,000 Active 6 DOM
7. 2026-06-01
   remarks 92-char remark
8. 2026-06-01
   listed $150,000 Active 1 DOM

ⓘ 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: $2,418 · $201/mo
• Projected year-2 tax: $2,418 · $201/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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% 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: $15,540
• − Mortgage interest: −$8,402
• − Property taxes: −$2,418
• − Insurance: −$750
• − Repairs & maintenance: −$1,243
• − Management: −$1,243
• − Depreciation: −$4,364
• Taxable loss: −$2,880
• Est. tax savings @ 24.0%: +$691
• After-tax cash flow: $361/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

-3.2% since first listed

4 events — show timeline

• 2026-06-01 Listed $150,000 LCAR
• 2018-04-04 Sold (Public Records) $164,000 Public Records
• 2018-03-29 Sold (MLS) $164,000 LCAR
• 2017-10-05 Listed $155,000 LCAR

Property tax history

+2.2%/yr

Latest (2026): $2,418 · +5.9% YoY. Source: county tax records.