162 School St · Maryd, PA 17952

$145,000

3 bd · 1.0 ba · 1,152 sqft · Townhouse public records · 5 Days on market

Built 1925 4,356 sqft lot

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Why this score? — see what drove the D 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 +13.6/30.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• DSCR +4.1/10.0
• Schools +3.6/10.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Situated against mature woodland at the edge of town, this lovely twin has been lovingly maintained and updated. A parking pad to the front can easily accommodate three vehicles and leads to a covered front porch, the attractive and durable façade is a lovely welcome in this, the first of three outdoor living areas from which to enjoy the home’s beautiful surroundings. The open concept living and dining rooms boast new flooring and ample space to gather, relax, and entertain. To the rear, a flexible space is open to the home’s bright, updated kitchen with ceramic tile flooring and backsplash, new counters, and a window above the sink overlooking the forest beyond! This area presents ample possibility in its space to work or gather and features convenient main level laundry hook-up! In the kitchen, a side entry offers a second covered porch whose extended roof provides ample coverage from the elements! A sprawling 340 sf deck spans the back of the home, half covered, is the ideal location to enjoy the lush woodland to the side and rear of the home in rain or shine. Upstairs, beyond new flooring in the hall, you’ll find three well sized bedrooms served by a spacious updated full bath with attractive vanity and ample lighting! The home’s basement is walk-out to the rear and offers ample space for storage, while housing the home’s utilities and even a stall shower, sink, and toilet. Beyond the deck and porches, the home also offers lovely side and back yards with a wonderful storage shed built-in beneath the home’s side porch! The charming home and its lovely location are situated with excellent proximity to Route 209 making both Tamaqua’s burgeoning downtown and all that Pottsville has to offer just a short drive away! Nearby Tuscarora and Locust Lake State Parks are marvelous locations for outdoor adventure beyond the neighboring woods! A further bonus, Tamaqua District graduates qualify for the two-year LCCC Scholarship Program! Don’t miss your opportunity to see this lovely with a location providing seclusion and convenience!

Key facts

• Covered front porch
• Outdoor living areas
• New counters

Tags

• COVERED FRONT PORCH
• OUTDOOR LIVING AREAS
• UPDATED KITCHEN
• CERAMIC TILE FLOORING
• NEW COUNTERS
• MAIN LEVEL LAUNDRY HOOK-UP

Property features AI

Exterior

• Parking: Other parking type
• Utilities: Public sewer; Community/public water; Electric service
• Home design: Semi-detached structure; Fee simple ownership
• Construction: Permanent foundation
• Exterior features: Deck(s); Porch(es); Shed on the property; Lot dimensions approximately 40 x 110

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Three bedrooms on the upper/main bedroom level
• Bathrooms: One full bathroom (total)
• Heating & cooling: Baseboard hot water heating (oil-fired); Ceiling fans for cooling; Electric hot water
• Interior features: Estimated living area; Daylight, full basement with walkout level; Unfinished basement
• Laundry & utility: Main floor laundry hookups

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $145k.

Deal economics

• At list price, monthly cash flow is $8 ($96/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 $114k (21.4% below list).
• Recommended offer: $114k (21.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Tamaqua Area SD (rural): math 31% / reading 53% proficiency, ranked #331 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Tamaqua El Sch (math 35% / reading 56%, grade D-, #801 of 1,518 statewide, top 53%, 695 students, 68% FRL); Tamaqua Area Ms (math 20% / reading 46%, grade F, #346 of 512 statewide, top 69%, 433 students, 61% FRL); Tamaqua Area Shs (math 47% / reading 62%, grade C-, #99 of 437 statewide, top 23%, 691 students, 50% FRL) — zoned schools average 60% FRL vs 37% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 2 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $41k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 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 $12k; list at $145k implies a 1108% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $113,938 (21.4% below list)

Questions for the listing agent

1. Built in 1925 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.79% ✗
• Cap rate: 6.36%
• Cash-on-cash: 0.24%
• DSCR: 1.01
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $73,728
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
144 School St	0.04mi	3/1.0	1,140 (-1%)	12mo	$72,500	$64	86
13 S Main St	0.20mi	3/1.0	1,196 (+4%)	23mo	$51,000	$43	65

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: 7.7%
• Equity multiple: 1.44×
• Total profit: $17,927
• Equity at exit: $65,198

10-year hold

• IRR: 10.4%
• Equity multiple: 2.55×
• Total profit: $63,057
• Equity at exit: $100,478

Cash invested: $40,600 (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 17952

• Active inventory: 2
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,139 medium
• Mortgage (P&I): −$760
• Tax from tax record: −$71 /mo · $855/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$239
• Net cashflow: $8

Break-even live

Break-even rent $1,129

Max offer price $145,000

Occupancy floor 94%

Sensitivity live

Price	-10% $90	-5% $49	+0% $8	+5% $-33	+10% $-74
Rent	-10% $-82	-5% $-37	+0% $8	+5% $53	+10% $98
Rate	-1.0pp $81	-0.5pp $45	base $8	+0.5pp $-30	+1.0pp $-68

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-03
   status $145,000 Pending 5 DOM
2. 2026-06-02
   days on market $145,000 Active 5 DOM
3. 2026-06-01
   days on market $145,000 Active 4 DOM
4. 2026-05-31
   days on market $145,000 Active 3 DOM
5. 2026-05-28
   listed $145,000 Active 2118-char remark

   Show marketing remark (2118 chars)

   Situated against mature woodland at the edge of town, this lovely twin has been lovingly maintained and updated. A parking pad to the front can easily accommodate three vehicles and leads to a covered front porch, the attractive and durable façade is a lovely welcome in this, the first of three outdoor living areas from which to enjoy the home’s beautiful surroundings. The open concept living and dining rooms boast new flooring and ample space to gather, relax, and entertain. To the rear, a flexible space is open to the home’s bright, updated kitchen with ceramic tile flooring and backsplash, new counters, and a window above the sink overlooking the forest beyond! This area presents ample possibility in its space to work or gather and features convenient main level laundry hook-up! In the kitchen, a side entry offers a second covered porch whose extended roof provides ample coverage from the elements! A sprawling 340 sf deck spans the back of the home, half covered, is the ideal location to enjoy the lush woodland to the side and rear of the home in rain or shine. Upstairs, beyond new flooring in the hall, you’ll find three well sized bedrooms served by a spacious updated full bath with attractive vanity and ample lighting! The home’s basement is walk-out to the rear and offers ample space for storage, while housing the home’s utilities and even a stall shower, sink, and toilet. Beyond the deck and porches, the home also offers lovely side and back yards with a wonderful storage shed built-in beneath the home’s side porch! The charming home and its lovely location are situated with excellent proximity to Route 209 making both Tamaqua’s burgeoning downtown and all that Pottsville has to offer just a short drive away! Nearby Tuscarora and Locust Lake State Parks are marvelous locations for outdoor adventure beyond the neighboring woods! A further bonus, Tamaqua District graduates qualify for the two-year LCCC Scholarship Program! Don’t miss your opportunity to see this lovely with a location providing seclusion and convenience!

6. 2026-05-28
   listed $145,000 Active

   Show marketing remark (2118 chars)

   Situated against mature woodland at the edge of town, this lovely twin has been lovingly maintained and updated. A parking pad to the front can easily accommodate three vehicles and leads to a covered front porch, the attractive and durable façade is a lovely welcome in this, the first of three outdoor living areas from which to enjoy the home’s beautiful surroundings. The open concept living and dining rooms boast new flooring and ample space to gather, relax, and entertain. To the rear, a flexible space is open to the home’s bright, updated kitchen with ceramic tile flooring and backsplash, new counters, and a window above the sink overlooking the forest beyond! This area presents ample possibility in its space to work or gather and features convenient main level laundry hook-up! In the kitchen, a side entry offers a second covered porch whose extended roof provides ample coverage from the elements! A sprawling 340 sf deck spans the back of the home, half covered, is the ideal location to enjoy the lush woodland to the side and rear of the home in rain or shine. Upstairs, beyond new flooring in the hall, you’ll find three well sized bedrooms served by a spacious updated full bath with attractive vanity and ample lighting! The home’s basement is walk-out to the rear and offers ample space for storage, while housing the home’s utilities and even a stall shower, sink, and toilet. Beyond the deck and porches, the home also offers lovely side and back yards with a wonderful storage shed built-in beneath the home’s side porch! The charming home and its lovely location are situated with excellent proximity to Route 209 making both Tamaqua’s burgeoning downtown and all that Pottsville has to offer just a short drive away! Nearby Tuscarora and Locust Lake State Parks are marvelous locations for outdoor adventure beyond the neighboring woods! A further bonus, Tamaqua District graduates qualify for the two-year LCCC Scholarship Program! Don’t miss your opportunity to see this lovely with a location providing seclusion and convenience!

7. 2019-12-09
   soldstatus $12,000

ⓘ 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: $855 · $71/mo
• Projected year-2 tax: $1,573 · $131/mo
• Expected delta: +$718/yr (+$60/mo · 83.9%)

ⓘ 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 ≥95°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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,673
• − Mortgage interest: −$8,122
• − Property taxes: −$855
• − Insurance: −$725
• − Repairs & maintenance: −$1,094
• − Management: −$1,094
• − Depreciation: −$4,218
• Taxable loss: −$2,436
• Est. tax savings @ 24.0%: +$585
• After-tax cash flow: $681/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: Tamaqua Area SD
• NCES district ID: 4223220
• Math proficiency: 31% ▼ -9.00%
• Reading proficiency: 53% ▼ -8.00%
• Median HH income: $45,184
• Composite: 35.61/100
• National rank: #4893
• State rank: #331 of 539 in PA

Livability — Maryd

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Maryd, PA
• Population (ZIP): 214

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 (98%)
• Race & ethnicity: White 98% Two or more races 2%
• Common ancestry: Danish 9% Romanian 7% Slovak 7%
• Languages at home: 97% English-only · Spanish 1% German/W. Germanic 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: —
• Current HPI: —
• 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

+1108.3% since first listed

3 events — show timeline

• 2026-05-28 Listed $145,000 BRIGHT MLS
• 2026-05-28 Listed $145,000 GLVRMLS
• 2019-12-09 Sold (Public Records) $12,000 Public Records

Property tax history

+2.4%/yr

Latest (2025): $855 · +9.5% YoY. Source: county tax records.