16 E Pine St · Mahanoy City, PA 17948

$79,900

3 bd · 1.5 ba · 1,410 sqft · SingleFamily public records · 9 Days on market

Built 1894 871 sqft lot $57/sqft · at area comps Est $66k · 21% over ↓ 10% since listing

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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 +29.8/30.0
• 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

Don't hesitate, this one will go fast. Opportunity knocks with this 3-bedroom home in Mahanoy City, featuring three parcels included for added space, flexibility, and future potential. This property offers off-street parking with an attached garage (garage door opener), a covered front porch, and two decks out back--perfect for outdoor space and entertaining. A rare highlight: the first floor features a custom bedroom and bathroom setup for first-floor living--something you don't see often in homes like this. This adds flexibility, convenience, and value, making it a great opportunity at an affordable price point. With strong bones, a functional layout, and over 1,200 sq ft estimated of living space, this home is a great opportunity for buyers looking to build equity, renovate, or invest. The additional lots (12 & 14 E Pine St) provide expanded yard space, potential development options, or added privacy--a rare find at this price point. Features include public water/sewer, 200-amp electric, electric baseboard heat, and a full basement, giving a solid foundation to work with. The attic offers additional potential for storage or future living space. Located in one of the region's most affordable markets with increasing demand and growing job opportunities, now is a great time to get in and take advantage of the upside. Investor special with tons of potential--don't miss out on this one. Bring your vision and make it your own.

Key facts

• Garage
• Built 1894
• Listed 9 days

Property features AI

Exterior

• Parking: Attached front-entry garage with garage door opener; On-street parking
• Utilities: 200+ amp electric service; Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Above-grade finished living area (estimated); Below-grade area present
• Construction: Vinyl siding; Asphalt components; Stone foundation; Estimated year built
• Exterior features: Lot dimensions approximately 13 x 63; Not in a federal flood zone; Paved/blacktop road access

Interior

• Bedrooms: Two bedrooms on the upper level; One bedroom on the main level
• Bathrooms: Two full bathrooms (one on main level, one on upper level)
• Heating & cooling: Electric baseboard heating; Electric hot water
• Interior features: Unfinished basement; Wide doors (32" or more)
• Laundry & utility: Main-floor laundry hookups

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $80k.

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 $80k).

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: crime F, commute F, employment 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.
• Zoned schools: Mahanoy Area Jshs (math 8% / reading 17%, grade F, #419 of 437 statewide, top 96%, 485 students, 96% FRL) — zoned schools average 96% FRL vs 54% district-wide (43 pts higher); higher-poverty schools than district average — tighter screening recommended.
• 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 ~4 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

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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: property tax is 4.2% of price; flood insurance adds $56/mo; built in 1894 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,900

Questions for the listing agent

1. Built in 1894 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 10.69%
• Cash-on-cash: 15.71%
• DSCR: 1.70
• GRM: 5.1

CMA / ARV

• ARV (median comp): $65,887
• List price: $79,900
• Delta: 21.27%
• Verdict: OVERPRICED
• Comps: 17 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
125 S Main St	0.13mi	3/1.5	1,334 (-5%)	9mo	$190,000	$142	78
224 Pine St	0.17mi	2/1.5 (-1)	1,300 (-8%)	6mo	$69,900	$54	69
201 Mahanoy St	0.14mi	3/1.0	1,200 (-15%)	9mo	$35,000	$29	59
203 Mahanoy St	0.10mi	2/1.0 (-1)	1,200 (-15%)	9mo	$35,000	$29	56
711 Spruce St	0.46mi	3/1.0	1,524 (+8%)	13mo	$48,000	$31	52
1004 E Pine St	0.54mi	2/1.5 (-1)	1,354 (-4%)	20mo	$85,000	$63	47
1117 Centre St	0.61mi	4/1.0 (+1)	1,307 (-7%)	24mo	$65,000	$50	32
1238 Market St	0.69mi	3/1.5	1,215 (-14%)	18mo	$47,000	$39	30

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: 21.7%
• Equity multiple: 2.29×
• Total profit: $28,951
• Equity at exit: $40,234

10-year hold

• IRR: 22.0%
• Equity multiple: 4.46×
• Total profit: $77,317
• 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: −$282 /mo · $3,383/yr
• Insurance: −$33
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $237

Break-even live

Break-even rent $1,000

Max offer price $79,900

Occupancy floor 77%

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	43d	1	0.18mi

Listing history 5 events

1. 2026-05-08
   status Pending 1453-char remark

   Show marketing remark (1453 chars)

   Don't hesitate, this one will go fast. Opportunity knocks with this 3-bedroom home in Mahanoy City, featuring three parcels included for added space, flexibility, and future potential. This property offers off-street parking with an attached garage (garage door opener), a covered front porch, and two decks out back--perfect for outdoor space and entertaining. A rare highlight: the first floor features a custom bedroom and bathroom setup for first-floor living--something you don't see often in homes like this. This adds flexibility, convenience, and value, making it a great opportunity at an affordable price point. With strong bones, a functional layout, and over 1,200 sq ft estimated of living space, this home is a great opportunity for buyers looking to build equity, renovate, or invest. The additional lots (12 & 14 E Pine St) provide expanded yard space, potential development options, or added privacy--a rare find at this price point. Features include public water/sewer, 200-amp electric, electric baseboard heat, and a full basement, giving a solid foundation to work with. The attic offers additional potential for storage or future living space. Located in one of the region's most affordable markets with increasing demand and growing job opportunities, now is a great time to get in and take advantage of the upside. Investor special with tons of potential--don't miss out on this one. Bring your vision and make it your own.

2. 2026-05-08
   status Pending 1497-char remark

   Show marketing remark (1453 chars)

   Don't hesitate, this one will go fast. Opportunity knocks with this 3-bedroom home in Mahanoy City, featuring three parcels included for added space, flexibility, and future potential. This property offers off-street parking with an attached garage (garage door opener), a covered front porch, and two decks out back--perfect for outdoor space and entertaining. A rare highlight: the first floor features a custom bedroom and bathroom setup for first-floor living--something you don't see often in homes like this. This adds flexibility, convenience, and value, making it a great opportunity at an affordable price point. With strong bones, a functional layout, and over 1,200 sq ft estimated of living space, this home is a great opportunity for buyers looking to build equity, renovate, or invest. The additional lots (12 & 14 E Pine St) provide expanded yard space, potential development options, or added privacy--a rare find at this price point. Features include public water/sewer, 200-amp electric, electric baseboard heat, and a full basement, giving a solid foundation to work with. The attic offers additional potential for storage or future living space. Located in one of the region's most affordable markets with increasing demand and growing job opportunities, now is a great time to get in and take advantage of the upside. Investor special with tons of potential--don't miss out on this one. Bring your vision and make it your own.

3. 2026-04-29
   listed $79,900 Active 1497-char remark
4. 2026-04-25
   historical $79,900 1497-char remark
5. 2026-04-22
   listed $79,900 Active 1453-char remark

   Show marketing remark (1453 chars)

   Don't hesitate, this one will go fast. Opportunity knocks with this 3-bedroom home in Mahanoy City, featuring three parcels included for added space, flexibility, and future potential. This property offers off-street parking with an attached garage (garage door opener), a covered front porch, and two decks out back--perfect for outdoor space and entertaining. A rare highlight: the first floor features a custom bedroom and bathroom setup for first-floor living--something you don't see often in homes like this. This adds flexibility, convenience, and value, making it a great opportunity at an affordable price point. With strong bones, a functional layout, and over 1,200 sq ft estimated of living space, this home is a great opportunity for buyers looking to build equity, renovate, or invest. The additional lots (12 & 14 E Pine St) provide expanded yard space, potential development options, or added privacy--a rare find at this price point. Features include public water/sewer, 200-amp electric, electric baseboard heat, and a full basement, giving a solid foundation to work with. The attic offers additional potential for storage or future living space. Located in one of the region's most affordable markets with increasing demand and growing job opportunities, now is a great time to get in and take advantage of the upside. Investor special with tons of potential--don't miss out on this one. Bring your vision and make it your own.

ⓘ 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: $3,383 · $282/mo
• Projected year-2 tax: $3,383 · $282/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥92°F today · 18 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: −$3,383
• − Insurance: −$1,066
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$2,324
• Taxable income: $1,855
• Est. tax owed @ 24.0%: −$445
• After-tax cash flow: $2,402/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

-9.9% since first listed

8 events — show timeline

• 2026-05-29 Sold (Public Records) $72,000 Public Records
• 2026-05-28 Sold (MLS) $72,000 PMAR
• 2026-05-28 Sold (MLS) $72,000 BRIGHT MLS
• 2026-05-08 Pending — PMAR
• 2026-05-08 Pending — BRIGHT MLS
• 2026-04-29 Listed $79,900 BRIGHT MLS
• 2026-04-25 Coming Soon $79,900 BRIGHT MLS
• 2026-04-22 Listed $79,900 PMAR

Property tax history

+14.5%/yr

Latest (2026): $3,383 · +271.5% YoY. Source: county tax records.