95 E Columbus Ave · Pittston, PA 18640

$127,900

3 bd · 1.5 ba · 1,452 sqft · SingleFamily public records · 6 Days on market

Built 1926 1,742 sqft lot Est $166k · 23% under

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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 +19.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.3/10.0
• 1% rule +5.3/10.0
• Livability +3.7/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTORS. .. This 3 bed 1.5 bath home has a newer roof, Eat in kitchen, Living room and dining room, space for home office. Front porch and rear deck for your enjoyment. The home is centrally located to downtown. Owner also selling 2 unit next-door MLS#26-2687

Key facts

• Newer roof
• Eat in kitchen
• Living room

Tags

• NEWER ROOF
• EAT IN KITCHEN
• LIVING ROOM
• DINING ROOM
• SPACE FOR HOME OFFICE
• FRONT PORCH

Property features AI

Finance

• Other: Living area reported as 1,400 (above grade finished area 1,400); Lot dimensions approximately 25 x 72

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single family residence; Residential property; Built in 1926; Stone foundation; Vinyl siding; Shingle roof
• Construction: Vinyl siding construction; Stone foundation; Shingle roof; Year built 1926
• Exterior features: Private yard; Back yard; Level, city lot; City street frontage; Asphalt road surface

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms (one primary 13.5 x 13.25, two others approx. 13 x 8 and 13 x 8.6); Office (approx. 7.25 x 13.75)
• Flooring: Laminate flooring
• Bathrooms: 2 bathrooms (1 full, 1 half)
• Heating & cooling: Baseboard heating; Hot water heating; No cooling
• Interior features: Eat-in kitchen; Full unfinished basement; Attic with other features
• Laundry & utility: 100 amp electric service

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $128k.

Deal economics

• At list price, monthly cash flow is $151 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $128k).

Location & tenants

• Location reads 74/100 on livability (#493 in PA, #4,549 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: amenities F, commute F, employment F.
• Pittston Area SD (suburban): math 30% / reading 40% proficiency, ranked #418 of 539 in PA (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 103 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $884 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 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 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 $60k; list at $128k implies a 113% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $127,900

Questions for the listing agent

1. Built in 1926 — 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. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 7.71%
• Cash-on-cash: 5.06%
• DSCR: 1.23
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $165,528
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
179 Railroad St	0.20mi	2/1.0 (-1)	1,420 (-2%)	6mo	$95,000	$67	75
28 Pine St	0.16mi	4/1.5 (+1)	1,350 (-7%)	2mo	$90,000	$67	74
1 Garfield St	0.41mi	3/1.0	1,380 (-5%)	5mo	$120,000	$87	67
16 Sand St	0.58mi	3/2.0	1,474 (+2%)	5mo	$145,100	$98	64
2 Pittston Ave	0.61mi	3/1.0	1,421 (-2%)	7mo	$110,825	$78	60
164 Oak St	0.59mi	2/2.0 (-1)	1,550 (+7%)	1mo	$231,000	$149	54
14 Mill Hill St	0.72mi	3/2.0	1,542 (+6%)	1mo	$175,000	$113	53
55 Welsh St	0.62mi	3/2.0	1,580 (+9%)	2mo	$240,000	$152	52
34 Tedrick St	0.47mi	4/2.0 (+1)	1,600 (+10%)	6mo	$270,000	$169	49
107 Johnson St	0.47mi	4/1.5 (+1)	1,640 (+13%)	4mo	$241,000	$147	48
101 Mill St	0.67mi	3/1.5	1,600 (+10%)	7mo	$250,000	$156	46
195 Mill St	0.65mi	3/1.0	1,624 (+12%)	2mo	$185,000	$114	46

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: -8.4%
• Equity multiple: 0.69×
• Total profit: $-11,087
• Equity at exit: $19,070

10-year hold

• IRR: 1.1%
• Equity multiple: 1.08×
• Total profit: $2,824
• Equity at exit: $11,058

Cash invested: $35,812 (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 18640

• Home prices YoY: -34.9%
• Active inventory: 103
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,320 high
• Mortgage (P&I): −$671
• Tax from tax record: −$168 /mo · $2,012/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $151

Break-even live

Break-even rent $1,129

Max offer price $127,900

Occupancy floor 84%

Sensitivity live

Price	-10% $223	-5% $187	+0% $151	+5% $115	+10% $79
Rent	-10% $47	-5% $99	+0% $151	+5% $203	+10% $255
Rate	-1.0pp $215	-0.5pp $183	base $151	+0.5pp $118	+1.0pp $84

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: $31,975
• Closing costs: $3,837
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
24 E Columbus Ave Pittston, PA	2.0	1.0	896	$1,200	$1.34	22d	1	0.21mi
252 S Main St Pittston, PA	4.0	2.5	1548	$1,750	$1.13	45d	1	0.30mi
109 Main St Pittston, PA	2.0–3.0	2.0	1070	$1,300	$1.21	15d	1	0.31mi
118 1/2 Broad St Pittston, PA	2.0	1.0	950	$1,200	$1.26	15d	1	0.41mi
197 Rear Broad St Pittston, PA	2.0	2.0	1800	$1,350	$0.75	45d	1	0.41mi
197 Rear Broad St Pittston, PA	2.0	2.0	1600	$1,350	$0.84	15d	1	0.41mi
524 Spring St #2 Jenkins Township, PA	2.0	1.0	1300	$925	$0.71	45d	1	0.61mi
524 Spring St Pittston, PA	2.0	1.0	1450	$900	$0.62	45d	1	0.61mi
102A Searle St Pittston, PA	3.0	1.0	960	$1,350	$1.41	45d	1	0.96mi
202 Philadelphia Ave West Pittston, PA	2.0	1.5	1550	$1,600	$1.03	15d	1	0.99mi
7 Miller St Pittston, PA	2.0	1.0	1120	$1,150	$1.03	15d	1	1.00mi
3 Miller St Pittston, PA	3.0	1.0	1007	$1,200	$1.19	45d	1	1.01mi
178 Parsonage St Pittston, PA	3.0	1.0	1500	$1,500	$1.00	15d	1	1.12mi
327 Fremont St Unit 329 West Pittston, PA	3.0	1.0	1250	$1,400	$1.12	45d	1	1.32mi
329 Fremont St West Pittston, PA	3.0	1.0	1250	$1,400	$1.12	45d	1	1.33mi
226 Fremont St West Pittston, PA	3.0	2.0	1140	$1,395	$1.22	15d	1	1.37mi

Listing history 7 events

1. 2026-06-19
   status $127,900 Active 6 DOM
2. 2026-06-16
   status $127,900 Pending 6 DOM
3. 2026-06-15
   days on market $127,900 Active 6 DOM
4. 2026-06-14
   days on market $127,900 Active 4 DOM
5. 2026-06-13
   days on market $127,900 Active 3 DOM
6. 2026-06-10
   remarks 263-char remark
7. 2026-06-10
   listed $127,900 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: $2,012 · $168/mo
• Projected year-2 tax: $2,016 · $168/mo
• Expected delta: +$5/yr ($0/mo · 0.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% 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: $15,837
• − Mortgage interest: −$7,164
• − Property taxes: −$2,012
• − Insurance: −$640
• − Repairs & maintenance: −$1,267
• − Management: −$1,267
• − Depreciation: −$3,721
• Taxable loss: −$233
• Est. tax savings @ 24.0%: +$56
• After-tax cash flow: $1,867/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: Pittston Area SD
• NCES district ID: 4219200
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 40% ▼ -19.00%
• Median HH income: $45,316
• Composite: 29.86/100
• National rank: #6409
• State rank: #418 of 539 in PA

Livability — Pittston

• Score: 74/100
• State rank: #493
• US rank: #4549

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pittston, PA
• Population (ZIP): 16,418

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 (85%)
• Race & ethnicity: White 85% Hispanic / Latino 6% Two or more races 5% Black 4%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 19% Scotch-Irish 2% Iranian 1%
• Foreign-born: 3% · Canada, Jamaica
• Languages at home: 93% English-only · Spanish 4% Other Indo-European 1% Chinese 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: ▼ -102.89%
• Current HPI: 191.973
• 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

+113.2% since first listed

8 events — show timeline

• 2026-06-09 Listed $127,900 LCAR
• 2026-06-09 Listed $127,900 GSBR as distributed by MLS GRID
• 2025-11-22 Rental Removed $1,300 BUILDIUM
• 2025-11-01 Listed for Rent $1,300 BUILDIUM
• 2022-09-07 Sold (Public Records) $60,000 Public Records
• 2022-09-01 Sold (MLS) $60,000 LCAR
• 2022-09-01 Sold (MLS) $60,000 GSBR as distributed by MLS GRID
• 2022-08-03 Listed $60,000 LCAR

Property tax history

+1.4%/yr

Latest (2026): $2,012 · +4.5% YoY. Source: county tax records.