208 W Railroad St · Pottsville, PA 17901

$123,000

6 bd · 2.0 ba · 1,560 sqft · MultiFamily public records · 8 Days on market

Built 1900 6,098 sqft lot $79/sqft · 18% above area Est $145k · 15% under

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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 +30.0/30.0
• ARV discount +14.4/15.0
• 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
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Value-Add Duplex Investment Opportunity with Strong Upside! Excellent opportunity to acquire physical both sides of twin homes currently configured and operated as a duplex (one deed). Each unit features two spacious bedrooms and generously sized living areas, offering desirable layouts that support strong tenant demand. Plenty of parking! The property is currently tenant occupied, with tenants responsible for heat, electric, and other utilities, while the landlord pays water, sewer, and trash. This asset offers significant value-add potential through multiple avenues, including bringing rents to market value and additional upside may be achieved by transferring water, sewer, and trash expenses to tenants through separate metering which only entails low-cost utility reconfiguration, allowing for improved operating efficiency and increased net income. Ideal for investors seeking an income-producing asset with clear NOI growth and cash-flow enhancement opportunities. Income and expense data will be added shortly to reflect the most current operating information.

Key facts

• 6,098 sq ft lot
• Built 1900
• Listed 8 days

What this means for you Summary

Snapshot

• This is a 2 × 2-bed/1.0-bath units multifamily listed at $123k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive. Per door: $503/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $123k).
• Cap rate 16.7% vs local median 7.5% 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; 3 comparable units currently listed for rent nearby; rentals lingering (median 45d 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).
• At $2,433/mo this rent would consume 47% of the median local household income ($62k/yr) (locally 622% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $850 of loan paydown is wiped out by about $4k 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 $34k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 8y 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 $12k; list at $123k implies a 884% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,000

Questions for the listing agent

1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.98% ✓
• Cap rate: 16.65%
• Cash-on-cash: 37.01%
• DSCR: 2.65
• GRM: 4.2

CMA / ARV

• ARV (median comp): $145,271
• List price: $123,000
• Delta: -15.33%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
211-213 Peacock St	0.08mi	6/—	1,776 (+14%)	10mo	$52,000	$29	65
678 N 2nd St	0.23mi	5/1.0 (-1)	1,464 (-6%)	13mo	$22,500	$15	59

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: 33.8%
• Equity multiple: 2.48×
• Total profit: $51,040
• Equity at exit: $18,340

10-year hold

• IRR: 42.2%
• Equity multiple: 5.55×
• Total profit: $156,745
• Equity at exit: $10,635

Cash invested: $34,440 (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: 8.4×

Monthly cashflow live

• Estimated rent: $2,433 medium
• Mortgage (P&I): −$645
• Tax from tax record: −$164 /mo · $1,965/yr
• Insurance: −$51
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$511
• Net cashflow: $1,007

Break-even live

Break-even rent $1,159

Max offer price $123,000

Occupancy floor 54%

Sensitivity live

Price	-10% $1,076	-5% $1,041	+0% $1,007	+5% $972	+10% $937
Rent	-10% $814	-5% $910	+0% $1,007	+5% $1,103	+10% $1,199
Rate	-1.0pp $1,068	-0.5pp $1,038	base $1,007	+0.5pp $975	+1.0pp $942

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1	$2,432
Total (2 units)			$2,433

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: $30,750
• Closing costs: $3,690
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
609 E Market St Pottsville, PA	6.0	2.5	1932	$1,500	$0.78	45d	1	0.71mi
517 W Norwegian St Pottsville, PA	5.0	1.5	2006	$1,500	$0.75	45d	1	0.75mi
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	45d	1	0.96mi

Listing history 14 events

1. 2026-05-08
   status Pending 1076-char remark

   Show marketing remark (1076 chars)

   Value-Add Duplex Investment Opportunity with Strong Upside! Excellent opportunity to acquire physical both sides of twin homes currently configured and operated as a duplex (one deed). Each unit features two spacious bedrooms and generously sized living areas, offering desirable layouts that support strong tenant demand. Plenty of parking! The property is currently tenant occupied, with tenants responsible for heat, electric, and other utilities, while the landlord pays water, sewer, and trash. This asset offers significant value-add potential through multiple avenues, including bringing rents to market value and additional upside may be achieved by transferring water, sewer, and trash expenses to tenants through separate metering which only entails low-cost utility reconfiguration, allowing for improved operating efficiency and increased net income. Ideal for investors seeking an income-producing asset with clear NOI growth and cash-flow enhancement opportunities. Income and expense data will be added shortly to reflect the most current operating information.

2. 2026-05-01
   listed $123,000 Active 1076-char remark

   Show marketing remark (1076 chars)

   Value-Add Duplex Investment Opportunity with Strong Upside! Excellent opportunity to acquire physical both sides of twin homes currently configured and operated as a duplex (one deed). Each unit features two spacious bedrooms and generously sized living areas, offering desirable layouts that support strong tenant demand. Plenty of parking! The property is currently tenant occupied, with tenants responsible for heat, electric, and other utilities, while the landlord pays water, sewer, and trash. This asset offers significant value-add potential through multiple avenues, including bringing rents to market value and additional upside may be achieved by transferring water, sewer, and trash expenses to tenants through separate metering which only entails low-cost utility reconfiguration, allowing for improved operating efficiency and increased net income. Ideal for investors seeking an income-producing asset with clear NOI growth and cash-flow enhancement opportunities. Income and expense data will be added shortly to reflect the most current operating information.

3. 2026-04-11
   price $123,000 1076-char remark

   Show marketing remark (1076 chars)

   Value-Add Duplex Investment Opportunity with Strong Upside! Excellent opportunity to acquire physical both sides of twin homes currently configured and operated as a duplex (one deed). Each unit features two spacious bedrooms and generously sized living areas, offering desirable layouts that support strong tenant demand. Plenty of parking! The property is currently tenant occupied, with tenants responsible for heat, electric, and other utilities, while the landlord pays water, sewer, and trash. This asset offers significant value-add potential through multiple avenues, including bringing rents to market value and additional upside may be achieved by transferring water, sewer, and trash expenses to tenants through separate metering which only entails low-cost utility reconfiguration, allowing for improved operating efficiency and increased net income. Ideal for investors seeking an income-producing asset with clear NOI growth and cash-flow enhancement opportunities. Income and expense data will be added shortly to reflect the most current operating information.

4. 2026-04-11
   historical $12,300 1076-char remark

   Show marketing remark (1076 chars)

   Value-Add Duplex Investment Opportunity with Strong Upside! Excellent opportunity to acquire physical both sides of twin homes currently configured and operated as a duplex (one deed). Each unit features two spacious bedrooms and generously sized living areas, offering desirable layouts that support strong tenant demand. Plenty of parking! The property is currently tenant occupied, with tenants responsible for heat, electric, and other utilities, while the landlord pays water, sewer, and trash. This asset offers significant value-add potential through multiple avenues, including bringing rents to market value and additional upside may be achieved by transferring water, sewer, and trash expenses to tenants through separate metering which only entails low-cost utility reconfiguration, allowing for improved operating efficiency and increased net income. Ideal for investors seeking an income-producing asset with clear NOI growth and cash-flow enhancement opportunities. Income and expense data will be added shortly to reflect the most current operating information.

5. 2024-05-06
   historical
6. 2024-03-20
   listed $125,000 Active
7. 2024-02-28
   historical
8. 2019-03-19
   soldstatus $12,500
9. 2019-03-14
   soldstatus $12,500 Closed
10. 2019-02-15
    status Pending
11. 2019-01-02
    price $19,900
12. 2018-11-28
    listed $29,900 Active
13. 2004-12-15
    soldstatus $52,000
14. 2000-04-19
    soldstatus $15,000

ⓘ 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: $1,965 · $164/mo
• Projected year-2 tax: $1,965 · $164/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 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 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: $29,196
• − Mortgage interest: −$6,890
• − Property taxes: −$1,965
• − Insurance: −$1,282
• − Repairs & maintenance: −$2,336
• − Management: −$2,336
• − Depreciation: −$3,578
• Taxable income: $10,810
• Est. tax owed @ 24.0%: −$2,594
• After-tax cash flow: $9,484/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

+720.0% since first listed

14 events — show timeline

• 2026-05-08 Pending — BRIGHT MLS
• 2026-05-01 Listed $123,000 BRIGHT MLS
• 2026-04-11 Price Changed $123,000 BRIGHT MLS
• 2026-04-11 Coming Soon $12,300 BRIGHT MLS
• 2024-05-06 Listing Removed — BRIGHT MLS
• 2024-03-20 Listed $125,000 BRIGHT MLS
• 2024-02-28 Coming Soon — BRIGHT MLS
• 2019-03-19 Sold (Public Records) $12,500 Public Records
• 2019-03-14 Sold (MLS) $12,500 BRIGHT MLS
• 2019-02-15 Pending — BRIGHT MLS
• 2019-01-02 Price Changed $19,900 BRIGHT MLS
• 2018-11-28 Listed $29,900 BRIGHT MLS
• 2004-12-15 Sold (Public Records) $52,000 Public Records
• 2000-04-19 Sold (Public Records) $15,000 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,965 · +8.6% YoY. Source: county tax records.