320 W Norwegian St · Pottsville, PA 17901

$63,000

2 bd · 1.0 ba · 1,444 sqft · SingleFamily public records · 19 Days on market

Built 1890 1,306 sqft lot $44/sqft · 5% above area Est $54k · 17% over ↓ 23% since listing

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Imagine the stories this house could tell if walls could talk, built in 1890 this 130 year old home features 4 bedrooms, 1 bath and within it's charm it holds onto the past with it's nostalgic décor. A 3 story home with living room, dining room and kitchen, second floor features 2 bedrooms, (1 with heat and the other has pipes that should be easy to connect to a radiator) and a full bath, the 3rd floor features 2 bedrooms (again 1 with heat and the other has no heat but should be able to connect or put in electric baseboard), All but 1 bedroom have closets, there are no walk-through bedrooms. Other features include full walk-out basement, fenced in yard and a possibility for off-street parking if fencing was moved forward, which was started. Come and take a tour into the past and see if this nicely sized home with it's nostalgic charm may be the perfect home for you. Within walking distance to local restaurants and other amenities including The Yuengling Brewery and gift shop. Possibilities for an airBNB, check with local zoning.

Key facts

• Built 1890
• Listed 19 days

Property features AI

Finance

• Other: Not in a federal flood zone

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: End of row townhouse; Fee simple ownership; Property condition listed as below average
• Construction: Stick-built construction; Brick and stone foundation; Above-grade and below-grade structures
• Exterior features: Rear yard; Lot dimensions approximately 14 x 80 (assessor)

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Two bedrooms on the first upper level; Two bedrooms on the second upper level; Rooms include Living Room, Dining Room, Kitchen, and four bedrooms
• Bathrooms: One full bathroom (all upper levels)
• Heating & cooling: Radiator heating using oil
• Interior features: Estimated living area; Full unfinished basement with interior access, outside entrance and walkout level
• Laundry & utility: Hot water is electric

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $63k.

Deal economics

• At list price, monthly cash flow is $412 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $63k).
• Recommended offer: $62k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.1% vs local median 6.1% in Pottsville — 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 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% 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

• Local home prices are declining (-3.0%/yr); year-one equity from $436 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y 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 $50k; 26% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 4.6% of price; built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $62,055 (1.5% below list)

Questions for the listing agent

1. Built in 1890 — 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. 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. 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: 2.03% ✓
• Cap rate: 14.14%
• Cash-on-cash: 28.04%
• DSCR: 2.25
• GRM: 4.1

CMA / ARV

• ARV (median comp): $54,007
• List price: $63,000
• Delta: 16.65%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
800 Mine St	0.32mi	3/1.0 (+1)	1,392 (-4%)	3mo	$35,000	$25	72
326 E Race St	0.33mi	3/1.5 (+1)	1,530 (+6%)	7mo	$90,000	$59	62
239 Pierce St	0.21mi	3/2.0 (+1)	1,380 (-4%)	15mo	$130,000	$94	62
901 Fairview St	0.51mi	3/1.0 (+1)	1,388 (-4%)	5mo	$145,000	$104	61
607 N 8th St	0.47mi	3/2.0 (+1)	1,400 (-3%)	10mo	$196,000	$140	55
331 E Arch St	0.32mi	3/1.0 (+1)	1,300 (-10%)	11mo	$80,000	$62	54
210 W Railroad St	0.69mi	3/1.5 (+1)	1,450 (+0%)	19mo	$180,000	$124	44
1308 Mount Hope Ave	0.70mi	2/—	1,240 (-14%)	2mo	$259,000	$209	42
241 Peacock St	0.64mi	3/1.0 (+1)	1,242 (-14%)	2mo	$97,000	$78	41
212 Anderson St	0.68mi	3/1.5 (+1)	1,331 (-8%)	12mo	$192,000	$144	38
939 S Seneca St	0.62mi	3/2.0 (+1)	1,322 (-8%)	13mo	$205,000	$155	37
1507 W Market St	0.74mi	3/1.0 (+1)	1,260 (-13%)	6mo	$194,000	$154	34

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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: 25.9%
• Equity multiple: 2.12×
• Total profit: $19,726
• Equity at exit: $9,394

10-year hold

• IRR: 35.5%
• Equity multiple: 4.79×
• Total profit: $66,923
• Equity at exit: $5,447

Cash invested: $17,640 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $1,278 high
• Mortgage (P&I): −$330
• Tax from tax record: −$241 /mo · $2,888/yr
• Insurance: −$26
• HOA: −$0
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $412

Break-even live

Break-even rent $756

Max offer price $63,000

Occupancy floor 63%

Sensitivity live

Price	-10% $618	-5% $430	+0% $412	+5% $394	+10% $377
Rent	-10% $311	-5% $362	+0% $412	+5% $463	+10% $513
Rate	-1.0pp $444	-0.5pp $428	base $412	+0.5pp $396	+1.0pp $379

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: $15,750
• Closing costs: $1,890
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.22mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	44d	1	0.27mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	44d	1	0.35mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	44d	1	0.36mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	44d	1	0.37mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	44d	1	0.41mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	44d	1	0.56mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	0.63mi
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	44d	1	1.35mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	1.42mi

Listing history 7 events

1. 2026-05-12
   status Pending 570-char remark
2. 2026-04-23
   listed $63,000 Active 570-char remark
3. 2022-07-08
   soldstatus $50,000
4. 2022-07-01
   soldstatus $50,000 Closed 1055-char remark

   Show marketing remark (1055 chars)

   Imagine the stories this house could tell if walls could talk, built in 1890 this 130 year old home features 4 bedrooms, 1 bath and within it's charm it holds onto the past with it's nostalgic décor. A 3 story home with living room, dining room and kitchen, second floor features 2 bedrooms, (1 with heat and the other has pipes that should be easy to connect to a radiator) and a full bath, the 3rd floor features 2 bedrooms (again 1 with heat and the other has no heat but should be able to connect or put in electric baseboard), All but 1 bedroom have closets, there are no walk-through bedrooms. Other features include full walk-out basement, fenced in yard and a possibility for off-street parking if fencing was moved forward, which was started. Come and take a tour into the past and see if this nicely sized home with it's nostalgic charm may be the perfect home for you. Within walking distance to local restaurants and other amenities including The Yuengling Brewery and gift shop. Possibilities for an airBNB, check with local zoning.

5. 2022-05-17
   status Pending 1055-char remark

   Show marketing remark (1055 chars)

   Imagine the stories this house could tell if walls could talk, built in 1890 this 130 year old home features 4 bedrooms, 1 bath and within it's charm it holds onto the past with it's nostalgic décor. A 3 story home with living room, dining room and kitchen, second floor features 2 bedrooms, (1 with heat and the other has pipes that should be easy to connect to a radiator) and a full bath, the 3rd floor features 2 bedrooms (again 1 with heat and the other has no heat but should be able to connect or put in electric baseboard), All but 1 bedroom have closets, there are no walk-through bedrooms. Other features include full walk-out basement, fenced in yard and a possibility for off-street parking if fencing was moved forward, which was started. Come and take a tour into the past and see if this nicely sized home with it's nostalgic charm may be the perfect home for you. Within walking distance to local restaurants and other amenities including The Yuengling Brewery and gift shop. Possibilities for an airBNB, check with local zoning.

6. 2022-04-13
   price $60,000 1055-char remark

   Show marketing remark (1055 chars)

   Imagine the stories this house could tell if walls could talk, built in 1890 this 130 year old home features 4 bedrooms, 1 bath and within it's charm it holds onto the past with it's nostalgic décor. A 3 story home with living room, dining room and kitchen, second floor features 2 bedrooms, (1 with heat and the other has pipes that should be easy to connect to a radiator) and a full bath, the 3rd floor features 2 bedrooms (again 1 with heat and the other has no heat but should be able to connect or put in electric baseboard), All but 1 bedroom have closets, there are no walk-through bedrooms. Other features include full walk-out basement, fenced in yard and a possibility for off-street parking if fencing was moved forward, which was started. Come and take a tour into the past and see if this nicely sized home with it's nostalgic charm may be the perfect home for you. Within walking distance to local restaurants and other amenities including The Yuengling Brewery and gift shop. Possibilities for an airBNB, check with local zoning.

7. 2022-04-02
   listed $65,000 Active 1055-char remark

   Show marketing remark (1055 chars)

   Imagine the stories this house could tell if walls could talk, built in 1890 this 130 year old home features 4 bedrooms, 1 bath and within it's charm it holds onto the past with it's nostalgic décor. A 3 story home with living room, dining room and kitchen, second floor features 2 bedrooms, (1 with heat and the other has pipes that should be easy to connect to a radiator) and a full bath, the 3rd floor features 2 bedrooms (again 1 with heat and the other has no heat but should be able to connect or put in electric baseboard), All but 1 bedroom have closets, there are no walk-through bedrooms. Other features include full walk-out basement, fenced in yard and a possibility for off-street parking if fencing was moved forward, which was started. Come and take a tour into the past and see if this nicely sized home with it's nostalgic charm may be the perfect home for you. Within walking distance to local restaurants and other amenities including The Yuengling Brewery and gift shop. Possibilities for an airBNB, check with local zoning.

ⓘ 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: $2,888 · $241/mo
• Projected year-2 tax: $2,888 · $241/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 5/10 Major FEMA zone X (unshaded) · 66% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 8 d/yr ≥96°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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,333
• − Mortgage interest: −$3,529
• − Property taxes: −$2,888
• − Insurance: −$315
• − Repairs & maintenance: −$1,227
• − Management: −$1,227
• − Depreciation: −$1,833
• Taxable income: $4,315
• Est. tax owed @ 24.0%: −$1,036
• After-tax cash flow: $3,910/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 1%

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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, PA
• 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

-23.1% since first listed

8 events — show timeline

• 2026-06-05 Sold (MLS) $50,000 BRIGHT MLS
• 2026-05-12 Pending — BRIGHT MLS
• 2026-04-23 Listed $63,000 BRIGHT MLS
• 2022-07-08 Sold (Public Records) $50,000 Public Records
• 2022-07-01 Sold (MLS) $50,000 BRIGHT MLS
• 2022-05-17 Pending — BRIGHT MLS
• 2022-04-13 Price Changed $60,000 BRIGHT MLS
• 2022-04-02 Listed $65,000 BRIGHT MLS

Property tax history

+11.9%/yr

Latest (2026): $2,888 · +154.2% YoY. Source: county tax records.