124 E High St · Coaldale, PA 18218

$72,000

3 bd · 1.0 ba · 1,992 sqft · Townhouse public records · 132 Days on market

Built 1915 2,614 sqft lot $36/sqft · 34% below area Est $109k · 34% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +5.3/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

This spacious semi-detached twin offers a wonderful opportunity to create a home that truly reflects your vision. With a huge, partially remodeled kitchen featuring a center island, there’s plenty of room to gather, cook, and entertain. The generous living room and dining room provide comfortable spaces for everyday living, while five bedrooms offer flexibility for family, guests, or a home office. A newer bathroom and newer furnace add peace of mind, and the manageable, fenced-in backyard with a patio is perfect for relaxing or outdoor enjoyment. Located in the Panther Valley School District, this fixer-upper is full of potential and ready for its next chapter.

Key facts

• Outdoor enjoyment
• Fenced-in backyard
• Center island

Tags

• PARTIALLY REMODELED KITCHEN
• CENTER ISLAND
• FENCED-IN BACKYARD
• OUTDOOR ENJOYMENT
• PANTHER VALLEY SCHOOL DISTRICT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $72k.

Deal economics

• At list price, monthly cash flow is $454 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $72k).
• Recommended offer: $63k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#761 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities 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: 12 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $865 of equity ($498 loan paydown + $367 appreciation (0.5% 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 (0.5% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 132 days — a 12% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 14y 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.
• Current owner paid $8k; list at $72k implies a 835% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $63,360 (12.0% below list)

Questions for the listing agent

1. It's been on market 132 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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: 1.76% ✓
• Cap rate: 13.85%
• Cash-on-cash: 27.00%
• DSCR: 2.20
• GRM: 4.7

CMA / ARV

• ARV (median comp): $109,032
• List price: $72,000
• Delta: -33.96%
• Verdict: UNDERPRICED
• Comps: 12 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
259 5th St	0.25mi	3/1.5	1,700 (-15%)	10mo	$120,000	$71	53
111 West Water	0.40mi	3/1.5	1,773 (-11%)	11mo	$131,000	$74	52

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

Projected returns pro-forma

0.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 28.3%
• Equity multiple: 2.42×
• Total profit: $28,573
• Equity at exit: $22,758

10-year hold

• IRR: 31.5%
• Equity multiple: 4.66×
• Total profit: $73,743
• Equity at exit: $28,881

Cash invested: $20,160 (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 18218

• Home prices YoY: 0.2%
• Active inventory: 12
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,270 medium
• Mortgage (P&I): −$378
• Tax from tax record: −$142 /mo · $1,707/yr
• Insurance: −$30
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $454

Break-even live

Break-even rent $696

Max offer price $72,000

Occupancy floor 59%

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: $18,000
• Closing costs: $2,160
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
151 E High St Coaldale, PA	3.0	1.0	1312	$1,200	$0.91	43d	1	0.08mi
149 W Ridge St Unit 3A Lansford, PA	3.0	1.0	1550	$1,650	$1.06	43d	1	1.05mi
149 W Ridge St Unit 1B Lansford, PA	3.0	1.0	1654	$1,500	$0.91	18d	1	1.05mi

Listing history 30 events

1. 2026-06-18
   days on market $72,000 Active 132 DOM
2. 2026-06-17
   days on market $72,000 Active 131 DOM
3. 2026-06-16
   days on market $72,000 Active 130 DOM
4. 2026-06-15
   days on market $72,000 Active 129 DOM
5. 2026-06-14
   days on market $72,000 Active 127 DOM
6. 2026-06-13
   pricedays on market $72,000 Active 126 DOM
7. 2026-06-10
   days on market $75,000 Active 124 DOM
8. 2026-06-09
   days on market $75,000 Active 123 DOM
9. 2026-06-08
   days on market $75,000 Active 122 DOM
10. 2026-06-07
    days on market $75,000 Active 121 DOM
11. 2026-06-05
    days on market $75,000 Active 118 DOM
12. 2026-06-03
    days on market $75,000 Active 117 DOM
13. 2026-06-02
    days on market $75,000 Active 116 DOM
14. 2026-06-01
    days on market $75,000 Active 115 DOM
15. 2026-05-31
    days on market $75,000 Active 114 DOM
16. 2026-05-31
    days on market $75,000 Active 113 DOM
17. 2026-02-06
    listed $75,000 Active 676-char remark

    Show marketing remark (676 chars)

    This spacious semi-detached twin offers a wonderful opportunity to create a home that truly reflects your vision. With a huge, partially remodeled kitchen featuring a center island, there’s plenty of room to gather, cook, and entertain. The generous living room and dining room provide comfortable spaces for everyday living, while five bedrooms offer flexibility for family, guests, or a home office. A newer bathroom and newer furnace add peace of mind, and the manageable, fenced-in backyard with a patio is perfect for relaxing or outdoor enjoyment. Located in the Panther Valley School District, this fixer-upper is full of potential and ready for its next chapter.

18. 2026-02-05
    listed $75,000 Active 670-char remark

    Show marketing remark (670 chars)

    This spacious semi-detached twin offers a wonderful opportunity to create a home that truly reflects your vision. With a huge, partially remodeled kitchen featuring a center island, there's plenty of room to gather, cook, and entertain. The generous living room and dining room provide comfortable spaces for everyday living, while five bedrooms offer flexibility for family, guests, or a home office. A newer bathroom and newer furnace add peace of mind, and the manageable, fenced-in backyard with a patio is perfect for relaxing or outdoor enjoyment. Located in the Panther Valley School District, this fixer-upper is full of potential and ready for its next chapter.

19. 2026-02-05
    listed $75,000 Active

    Show marketing remark (670 chars)

    This spacious semi-detached twin offers a wonderful opportunity to create a home that truly reflects your vision. With a huge, partially remodeled kitchen featuring a center island, there's plenty of room to gather, cook, and entertain. The generous living room and dining room provide comfortable spaces for everyday living, while five bedrooms offer flexibility for family, guests, or a home office. A newer bathroom and newer furnace add peace of mind, and the manageable, fenced-in backyard with a patio is perfect for relaxing or outdoor enjoyment. Located in the Panther Valley School District, this fixer-upper is full of potential and ready for its next chapter.

20. 2022-09-01
    historical
21. 2022-08-23
    price $41,500
22. 2022-08-20
    listed $39,900 Active
23. 2022-04-18
    historical
24. 2016-02-29
    soldstatus $7,700
25. 2016-01-13
    listed $9,500
26. 2016-01-13
    historical
27. 2016-01-13
    listed $9,500
28. 2012-11-14
    listed $18,900
29. 2012-11-12
    listed $18,900
30. 2012-11-12
    historical

ⓘ 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: $1,707 · $142/mo
• Projected year-2 tax: $1,707 · $142/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 ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $15,241
• − Mortgage interest: −$4,033
• − Property taxes: −$1,707
• − Insurance: −$360
• − Repairs & maintenance: −$1,219
• − Management: −$1,219
• − Depreciation: −$2,095
• Taxable income: $4,608
• Est. tax owed @ 24.0%: −$1,106
• After-tax cash flow: $4,337/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 — Coaldale

• Score: 70/100
• State rank: #761
• US rank: #7599

Category grades

Amenities F 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: Coaldale, PA
• Population (ZIP): 2,353

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 (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Black 4% Two or more races 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 9% Polish 4% Iranian 3%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · Spanish 6%

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: ▲ 0.51%
• Current HPI: 288.42
• 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

+296.8% since first listed

14 events — show timeline

• 2026-02-06 Listed $75,000 BRIGHT MLS
• 2026-02-05 Listed $75,000 PMAR
• 2026-02-05 Listed $75,000 GLVRMLS
• 2022-09-01 Listing Removed — GLVRMLS
• 2022-08-23 Price Changed $41,500 GLVRMLS
• 2022-08-20 Listed $39,900 GLVRMLS
• 2022-04-18 Listing Removed — GLVRMLS
• 2016-02-29 Sold (MLS) $7,700 GLVRMLS
• 2016-01-13 Listed $9,500 BRIGHT MLS
• 2016-01-13 Listing Removed — BRIGHT MLS
• 2016-01-13 Listed $9,500 GLVRMLS
• 2012-11-14 Listed $18,900 GLVRMLS
• 2012-11-12 Listing Removed — BRIGHT MLS
• 2012-11-12 Listed $18,900 BRIGHT MLS

Property tax history

+2.3%/yr

Latest (2025): $1,707 · +5.1% YoY. Source: county tax records.