221 E Bertsch St · Lansford, PA 18232

$179,000

6 bd · 2.0 ba · 1,708 sqft · Townhouse public records · 4 Days on market

Built 1881 1,481 sqft lot Est $164k · 9% 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 +20.5/30.0
• Appreciation +9.6/10.0
• DSCR +6.5/10.0
• 1% rule +4.9/10.0
• Livability +3.6/5.0
• ARV discount +3.4/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Affordable 4 bedroom Twin with great potential! This spacious 4 bedroom, 2 full bathroom twin offers plenty of room to grow and the opportunity to make it your own. The main level features a traditional layout with ample living space, while the upper level floors provide four bedrooms and a full bathroom. Lower level basement has 2nd full bathroom, laundry area and storage. The walk up attic offers potential for additional living space, perfect for a future bedroom, office or bonus room. Rear patio with fenced in yard and enclosed side porch is a bonus! This property is a fixer upper and is ideal for investors! With the right vision this home could really shine! Call today for your private showing!

Key facts

• Brand-new roof
• Brand-new boiler
• Built 1881

Tags

• BRAND-NEW ROOF
• BRAND-NEW BOILER
• BRAND-NEW WATER HEATERS

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric water heater
• Home design: 2-story dwelling
• Construction: Brick and vinyl siding exterior; Asphalt/fiberglass roof; Below-grade finished area included
• Exterior features: Public water; Public sewer

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Refrigerator
• Bedrooms: Bedroom on second floor (approx. 15 x 5)
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms; Full bath in basement (approx. 8 x 4)
• Heating & cooling: Oil heating; Steam heating; Wall cooling units
• Interior features: Dining area; Vinyl flooring; Full finished basement
• Laundry & utility: Electric dryer hookup; Gas dryer hookup; Electric dryer; Gas dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 6-bed/2.0-bath townhouse listed at $179k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $177k (1.3% below list).
• Recommended offer: $177k (1.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#605 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime A-; Watch: amenities D, schools F, commute F.
• Panther Valley SD (rural): math 14% / reading 35% proficiency, ranked #477 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 34 active listings in the ZIP; lower-income renter base — watch delinquency; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).
• At $1,768/mo this rent would consume 47% of the median local household income ($45k/yr) (locally 123% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $16k appreciation (9.1% local appreciation)).
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (9.1% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 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.
• Current owner paid $50k; list at $179k implies a 258% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1881 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $176,757 (1.3% below list)

Questions for the listing agent

1. Built in 1881 — 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. 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.
5. 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.
6. 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: 0.99% ✗
• Cap rate: 7.87%
• Cash-on-cash: 5.64%
• DSCR: 1.25
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $163,968
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
301 E Abbott St	0.12mi	5/1.5 (-1)	1,462 (-14%)	20mo	$140,000	$96	46
43 E Ludlow St	0.74mi	5/2.5 (-1)	1,890 (+11%)	16mo	$102,500	$54	28

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

Projected returns pro-forma

9.12% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.6%
• Equity multiple: 3.03×
• Total profit: $101,769
• Equity at exit: $149,861

10-year hold

• IRR: 23.5%
• Equity multiple: 6.70×
• Total profit: $285,569
• Equity at exit: $311,775

Cash invested: $50,120 (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 18232

• Home prices YoY: 3.6%
• Active inventory: 34
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,768 medium
• Mortgage (P&I): −$939
• Tax from tax record: −$147 /mo · $1,768/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$371
• Net cashflow: $236

Break-even live

Break-even rent $1,469

Max offer price $179,000

Occupancy floor 82%

Sensitivity live

Price	-10% $337	-5% $286	+0% $236	+5% $185	+10% $134
Rent	-10% $96	-5% $166	+0% $236	+5% $306	+10% $375
Rate	-1.0pp $326	-0.5pp $281	base $236	+0.5pp $189	+1.0pp $142

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-06-19
   status $179,000 Pending 4 DOM
2. 2026-06-18
   days on market $179,000 Active 4 DOM
3. 2026-06-17
   days on market $179,000 Active 3 DOM
4. 2026-06-16
   days on market $179,000 Active 2 DOM
5. 2026-06-15
   remarks 460-char remark
6. 2026-06-15
   listed $179,000 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: $1,768 · $147/mo
• Projected year-2 tax: $2,298 · $192/mo
• Expected delta: +$530/yr (+$44/mo · 30.0%)

ⓘ 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 4/10 Moderate 8 d/yr ≥94°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,211
• − Mortgage interest: −$10,027
• − Property taxes: −$1,768
• − Insurance: −$895
• − Repairs & maintenance: −$1,697
• − Management: −$1,697
• − Depreciation: −$5,207
• Taxable loss: −$80
• Est. tax savings @ 24.0%: +$19
• After-tax cash flow: $2,848/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: Panther Valley SD
• NCES district ID: 4218450
• Math proficiency: 14% ▼ -7.00%
• Reading proficiency: 35% ▼ -14.00%
• Median HH income: $36,914
• Composite: 20.31/100
• National rank: #8613
• State rank: #477 of 539 in PA

Livability — Lansford

• Score: 72/100
• State rank: #605
• US rank: #5834

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lansford, PA
• County: Carbon County · 13,404 people
• City population: 4,156
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• Population (ZIP): 4,156
• Household income: $44,713
• Rent vs Own: 48.0% rent · 52.0% own
• Severe rent burden: 123.0

Population outlook (Carbon County) Hauer SSP2

• Today (2025): 61,643 people
• By 2030: 59,840 · -2.9%
• By 2040: 55,413 · -10.1%
• By 2050: 50,843 · -17.5%
• By 2075: 43,326 · -29.7%
• By 2100: 37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 64% Hispanic / Latino 17% Black 11% Two or more races 11% Native American 4%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 4% Polish 2% Iranian 2%
• Foreign-born: 7% · Canada, Jamaica, South Korea
• Languages at home: 89% English-only · Spanish 10%

Political lean MEDSL · Carbon

• 2024 margin: Solid R (+34.8) · D 32.2% · R 67.0%
• 2008→2024 swing: -36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
• All cycles: 2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.12%
• Current HPI: 262.3396
• Rent YoY: —
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• 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

+79.2% since first listed

8 events — show timeline

• 2026-06-14 Listed $179,000 GLVRMLS
• 2026-02-25 Sold (Public Records) $50,000 Public Records
• 2026-02-16 Sold (MLS) $50,000 GLVRMLS
• 2026-02-13 Sold (MLS) $50,000 BRIGHT MLS
• 2026-01-18 Pending — GLVRMLS
• 2026-01-18 Pending — BRIGHT MLS
• 2025-12-18 Listed $99,900 BRIGHT MLS
• 2025-12-11 Listed $99,900 GLVRMLS

Property tax history

+1.5%/yr

Latest (2026): $1,768 · +2.4% YoY. Source: county tax records.