46 W Saucon St · Hellertown, PA 18055

$250,000

3 bd · 1.0 ba · 1,613 sqft · Townhouse public records · 7 Days on market

Built 1910 1,854 sqft lot Est $324k · 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 +21.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.8/10.0
• Schools +5.4/10.0
• 1% rule +5.2/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to Hellertown! This 4 bed 1 bath completely updated brick twin will win you over the minute you cross the threshold. Covered front porch perfect for calm relaxing morning coffee. Large combination living and dining space allows for a variety of uses to suit any need. Eat-in tiled kitchen with ample cabinet space and 1st floor laundry. All appliances will stay! Second floor spacious bedroom with adjoining walk-thru and updated full bath. Bonus office/den space leads to the heated fully finished 3rd floor where two additional bedrooms await perfect for an owners suite with space for a future bathroom. In every room you'll find noticeable improvements including doors, electric, flooring, and windows. Covered back porch with fenced in yard. Dry basement storage. The definition of turn-key ready situated close to major commuting routes, shopping, idilic Downtown Main St, casino and more! All you need to do is book the movers! Don't miss your opportunity and book you private showing today!

Key facts

• Low maintenance yard
• Covered patio
• All brick twin home

Tags

• ALL BRICK TWIN HOME
• HARDWOOD FLOORS
• WELL MAINTAINED KITCHEN
• COVERED PATIO
• GARDEN SHED
• LOW MAINTENANCE YARD

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; 100 amp electric service with circuit breakers
• Home design: 2-story; Brick and wood siding exterior; Asphalt/fiberglass roof
• Construction: Built with brick and wood siding; Asphalt/fiberglass roof
• Exterior features: Small lot (public records)

Interior

• Kitchen: Dishwasher; Gas oven; Gas range; Microwave; Refrigerator
• Flooring: Carpet; Ceramic tile; Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas heating with baseboard and radiators; Wall/window air conditioning units
• Interior features: Dining area; Full basement
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $250k.

Deal economics

• At list price, monthly cash flow is $362 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Cap rate 8.0% vs local median 4.5% in Hellertown — 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 85/100 on livability (#83 in PA, #609 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: commute F.
• Saucon Valley SD (suburban): math 57% / reading 66% proficiency, ranked #58 of 539 in PA (top 11%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
• Market conditions: 95 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 567 units permitted in Northampton County in 2024 (151 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• Only 7 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.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $250,000

Questions for the listing agent

1. Built in 1910 — 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. 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?
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: 1.02% ✓
• Cap rate: 8.03%
• Cash-on-cash: 6.20%
• DSCR: 1.28
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $324,213
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
190 Front St	0.12mi	3/1.5	1,539 (-5%)	2mo	$321,000	$209	83
935 Easton Rd	0.48mi	3/1.0	1,604 (-1%)	1mo	$230,000	$143	76
174 Front St	0.14mi	3/1.5	1,736 (+8%)	12mo	$305,000	$176	69
753 Front St	0.27mi	3/1.5	1,520 (-6%)	10mo	$305,000	$201	67
1883 Gregory Pl	0.34mi	2/2.0 (-1)	1,686 (+4%)	11mo	$385,900	$229	59
1963 Delancey	0.37mi	3/2.5	1,583 (-2%)	18mo	$315,000	$199	58
1951 Delancey St	0.35mi	2/2.5 (-1)	1,680 (+4%)	11mo	$318,000	$189	56
1957 Delancey St	0.36mi	3/2.5	1,720 (+7%)	13mo	$306,000	$178	56
1879 Jeanine Way	0.40mi	3/2.0	1,767 (+10%)	9mo	$420,000	$238	54
1922 Pine Ct	0.31mi	2/2.5 (-1)	1,512 (-6%)	18mo	$285,000	$188	49
1942 Pine Ct	0.33mi	3/1.5	1,376 (-15%)	11mo	$282,000	$205	49
1847 Gregory Pl	0.42mi	3/2.0	1,767 (+10%)	15mo	$380,000	$215	48

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: -6.7%
• Equity multiple: 0.75×
• Total profit: $-17,466
• Equity at exit: $37,276

10-year hold

• IRR: 2.9%
• Equity multiple: 1.21×
• Total profit: $14,440
• Equity at exit: $21,615

Cash invested: $70,000 (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 18055

• Home prices YoY: -32.4%
• Active inventory: 95
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,548 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$236 /mo · $2,830/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$535
• Net cashflow: $362

Break-even live

Break-even rent $2,090

Max offer price $250,000

Occupancy floor 81%

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1953 Chancellor St Hellertown, PA	2.0	2.5	1680	$2,200	$1.31	23d	1	0.28mi
1119 Furnace St Hellertown, PA	2.0	1.0	1063	$2,000	$1.88	2d	1	0.65mi
1610 Ravena St Bethlehem, PA	3.0	2.5	1562	$2,690	$1.72	2d	1	1.12mi
1540 Ravena St Bethlehem, PA	4.0	2.5	2106	$3,150	$1.50	43d	1	1.14mi
1641 Riegel St Hellertown, PA	3.0	2.5	1600	$2,680	$1.68	43d	1	1.20mi
1600 Oakridge Ln Hellertown, PA	3.0	3.5	2202	$3,195	$1.45	2d	1	1.26mi
1600 Oakridge Ln Hellertown, PA	3.0	3.5	1782	$3,195	$1.79	43d	1	1.26mi
1430 Jadden Ct Bethlehem, PA	3.0	2.5	1690	$2,650	$1.57	23d	1	1.31mi
2515 Bethlehem Fields Way Bethlehem, PA	1.0–2.0	1.0–2.0	1019	$3,000	$2.94	2d	1	1.35mi

Listing history 16 events

1. 2026-06-03
   status $250,000 Pending 7 DOM
2. 2026-06-02
   days on market $250,000 Active 7 DOM
3. 2026-06-01
   days on market $250,000 Active 6 DOM
4. 2026-05-31
   days on market $250,000 Active 5 DOM
5. 2026-05-31
   days on market $250,000 Active 4 DOM
6. 2026-05-26
   listed $250,000 Active
7. 2023-11-21
   soldstatus $230,000
8. 2023-11-17
   soldstatus $230,000 Sold 1011-char remark

   Show marketing remark (1011 chars)

   Welcome home to Hellertown! This 4 bed 1 bath completely updated brick twin will win you over the minute you cross the threshold. Covered front porch perfect for calm relaxing morning coffee. Large combination living and dining space allows for a variety of uses to suit any need. Eat-in tiled kitchen with ample cabinet space and 1st floor laundry. All appliances will stay! Second floor spacious bedroom with adjoining walk-thru and updated full bath. Bonus office/den space leads to the heated fully finished 3rd floor where two additional bedrooms await perfect for an owners suite with space for a future bathroom. In every room you'll find noticeable improvements including doors, electric, flooring, and windows. Covered back porch with fenced in yard. Dry basement storage. The definition of turn-key ready situated close to major commuting routes, shopping, idilic Downtown Main St, casino and more! All you need to do is book the movers! Don't miss your opportunity and book you private showing today!

9. 2023-10-07
   status Pending 1011-char remark

   Show marketing remark (1011 chars)

   Welcome home to Hellertown! This 4 bed 1 bath completely updated brick twin will win you over the minute you cross the threshold. Covered front porch perfect for calm relaxing morning coffee. Large combination living and dining space allows for a variety of uses to suit any need. Eat-in tiled kitchen with ample cabinet space and 1st floor laundry. All appliances will stay! Second floor spacious bedroom with adjoining walk-thru and updated full bath. Bonus office/den space leads to the heated fully finished 3rd floor where two additional bedrooms await perfect for an owners suite with space for a future bathroom. In every room you'll find noticeable improvements including doors, electric, flooring, and windows. Covered back porch with fenced in yard. Dry basement storage. The definition of turn-key ready situated close to major commuting routes, shopping, idilic Downtown Main St, casino and more! All you need to do is book the movers! Don't miss your opportunity and book you private showing today!

10. 2023-10-05
    listed $234,900 Active - No Show 1011-char remark

    Show marketing remark (1011 chars)

    Welcome home to Hellertown! This 4 bed 1 bath completely updated brick twin will win you over the minute you cross the threshold. Covered front porch perfect for calm relaxing morning coffee. Large combination living and dining space allows for a variety of uses to suit any need. Eat-in tiled kitchen with ample cabinet space and 1st floor laundry. All appliances will stay! Second floor spacious bedroom with adjoining walk-thru and updated full bath. Bonus office/den space leads to the heated fully finished 3rd floor where two additional bedrooms await perfect for an owners suite with space for a future bathroom. In every room you'll find noticeable improvements including doors, electric, flooring, and windows. Covered back porch with fenced in yard. Dry basement storage. The definition of turn-key ready situated close to major commuting routes, shopping, idilic Downtown Main St, casino and more! All you need to do is book the movers! Don't miss your opportunity and book you private showing today!

11. 2023-01-23
    soldstatus $218,000
12. 2023-01-17
    soldstatus $218,000 Sold 965-char remark

    Show marketing remark (965 chars)

    TOTAL INTERIOR REDO From TOP to BOTTOM in 2019! CLASSIC Front Porch Hellertown Brick Twin Awaits NEW OWNER! Combination Living and Dining Rooms with EZ Care Laminate Flooring. Eat-in Kitchen Features Raised Panel Cabinetry, Tiled Floor, GAS Range, Microwave, Dishwasher+ Refrigerator. Convenient 1st Floor Laundry, Washer & Dryer REMAIN. Back Door to Covered Grilling Porch & Fenced Yard w/ Attached, Enclosed Storage Room. 2nd Level Spacious Bedroom with Adjoining Walk Through Bedroom. Full Hall Bath with Tub Surround. Home Office, Craft Room, Spare Bedroom?. . Your Call on the BONUS ROOM! Finished, Heated 3rd Floor Provides TWO Additional Bedrooms. Notable Improvements Include: Replacement Windows, Raised Panel Doors, Neutral Wall Paint, Updated Electric, GAS Furnace & Hot Water Heater, Ceiling Fans and SUPER LOW TAXES! NO TOOL BELT NEEDED HERE. A ONE YEAR AHS HOME WARRANTY Also Included FOR YOU! ~Move Right In and ENJOY HOMEOWNERSHIP~

13. 2022-12-14
    status Pending 965-char remark

    Show marketing remark (965 chars)

    TOTAL INTERIOR REDO From TOP to BOTTOM in 2019! CLASSIC Front Porch Hellertown Brick Twin Awaits NEW OWNER! Combination Living and Dining Rooms with EZ Care Laminate Flooring. Eat-in Kitchen Features Raised Panel Cabinetry, Tiled Floor, GAS Range, Microwave, Dishwasher+ Refrigerator. Convenient 1st Floor Laundry, Washer & Dryer REMAIN. Back Door to Covered Grilling Porch & Fenced Yard w/ Attached, Enclosed Storage Room. 2nd Level Spacious Bedroom with Adjoining Walk Through Bedroom. Full Hall Bath with Tub Surround. Home Office, Craft Room, Spare Bedroom?. . Your Call on the BONUS ROOM! Finished, Heated 3rd Floor Provides TWO Additional Bedrooms. Notable Improvements Include: Replacement Windows, Raised Panel Doors, Neutral Wall Paint, Updated Electric, GAS Furnace & Hot Water Heater, Ceiling Fans and SUPER LOW TAXES! NO TOOL BELT NEEDED HERE. A ONE YEAR AHS HOME WARRANTY Also Included FOR YOU! ~Move Right In and ENJOY HOMEOWNERSHIP~

14. 2022-12-08
    status Active 965-char remark

    Show marketing remark (965 chars)

    TOTAL INTERIOR REDO From TOP to BOTTOM in 2019! CLASSIC Front Porch Hellertown Brick Twin Awaits NEW OWNER! Combination Living and Dining Rooms with EZ Care Laminate Flooring. Eat-in Kitchen Features Raised Panel Cabinetry, Tiled Floor, GAS Range, Microwave, Dishwasher+ Refrigerator. Convenient 1st Floor Laundry, Washer & Dryer REMAIN. Back Door to Covered Grilling Porch & Fenced Yard w/ Attached, Enclosed Storage Room. 2nd Level Spacious Bedroom with Adjoining Walk Through Bedroom. Full Hall Bath with Tub Surround. Home Office, Craft Room, Spare Bedroom?. . Your Call on the BONUS ROOM! Finished, Heated 3rd Floor Provides TWO Additional Bedrooms. Notable Improvements Include: Replacement Windows, Raised Panel Doors, Neutral Wall Paint, Updated Electric, GAS Furnace & Hot Water Heater, Ceiling Fans and SUPER LOW TAXES! NO TOOL BELT NEEDED HERE. A ONE YEAR AHS HOME WARRANTY Also Included FOR YOU! ~Move Right In and ENJOY HOMEOWNERSHIP~

15. 2022-11-27
    status Pending 965-char remark

    Show marketing remark (965 chars)

    TOTAL INTERIOR REDO From TOP to BOTTOM in 2019! CLASSIC Front Porch Hellertown Brick Twin Awaits NEW OWNER! Combination Living and Dining Rooms with EZ Care Laminate Flooring. Eat-in Kitchen Features Raised Panel Cabinetry, Tiled Floor, GAS Range, Microwave, Dishwasher+ Refrigerator. Convenient 1st Floor Laundry, Washer & Dryer REMAIN. Back Door to Covered Grilling Porch & Fenced Yard w/ Attached, Enclosed Storage Room. 2nd Level Spacious Bedroom with Adjoining Walk Through Bedroom. Full Hall Bath with Tub Surround. Home Office, Craft Room, Spare Bedroom?. . Your Call on the BONUS ROOM! Finished, Heated 3rd Floor Provides TWO Additional Bedrooms. Notable Improvements Include: Replacement Windows, Raised Panel Doors, Neutral Wall Paint, Updated Electric, GAS Furnace & Hot Water Heater, Ceiling Fans and SUPER LOW TAXES! NO TOOL BELT NEEDED HERE. A ONE YEAR AHS HOME WARRANTY Also Included FOR YOU! ~Move Right In and ENJOY HOMEOWNERSHIP~

16. 2022-11-16
    listed $224,900 Active 965-char remark

    Show marketing remark (965 chars)

    TOTAL INTERIOR REDO From TOP to BOTTOM in 2019! CLASSIC Front Porch Hellertown Brick Twin Awaits NEW OWNER! Combination Living and Dining Rooms with EZ Care Laminate Flooring. Eat-in Kitchen Features Raised Panel Cabinetry, Tiled Floor, GAS Range, Microwave, Dishwasher+ Refrigerator. Convenient 1st Floor Laundry, Washer & Dryer REMAIN. Back Door to Covered Grilling Porch & Fenced Yard w/ Attached, Enclosed Storage Room. 2nd Level Spacious Bedroom with Adjoining Walk Through Bedroom. Full Hall Bath with Tub Surround. Home Office, Craft Room, Spare Bedroom?. . Your Call on the BONUS ROOM! Finished, Heated 3rd Floor Provides TWO Additional Bedrooms. Notable Improvements Include: Replacement Windows, Raised Panel Doors, Neutral Wall Paint, Updated Electric, GAS Furnace & Hot Water Heater, Ceiling Fans and SUPER LOW TAXES! NO TOOL BELT NEEDED HERE. A ONE YEAR AHS HOME WARRANTY Also Included FOR YOU! ~Move Right In and ENJOY HOMEOWNERSHIP~

ⓘ 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: $2,830 · $236/mo
• Projected year-2 tax: $3,390 · $283/mo
• Expected delta: +$560/yr (+$47/mo · 19.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 21% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,577
• − Mortgage interest: −$14,004
• − Property taxes: −$2,830
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,446
• − Management: −$2,446
• − Depreciation: −$7,273
• Taxable income: $328
• Est. tax owed @ 24.0%: −$79
• After-tax cash flow: $4,265/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: Saucon Valley SD
• NCES district ID: 4211730
• Math proficiency: 57% ▬ 0.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $67,374
• Composite: 53.95/100
• National rank: #1401
• State rank: #58 of 539 in PA

Livability — Hellertown

• Score: 85/100
• State rank: #83
• US rank: #609

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hellertown, PA
• Population (ZIP): 11,947

Population outlook (Northampton County) Hauer SSP2

• Today (2025): 312,227 people
• By 2030: 314,769 · +0.8%
• By 2040: 316,914 · +1.5%
• By 2050: 318,037 · +1.9%
• By 2075: 334,003 · +7.0%
• By 2100: 344,696 · +10.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 10% Two or more races 6% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Dominican 2%
• Common ancestry: Romanian 5% Polish 3% Subsaharan African 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Northampton

• 2024 margin: Toss-up / Even · D 48.6% · R 50.4%
• 2008→2024 swing: -14.1pp toward R · 2008: 12.3pp · 2024: -1.8pp
• All cycles: 2024: R+1.8 2020: D+0.7 2016: R+3.8 2012: D+4.6 2008: D+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -113.15%
• Current HPI: 236.3688
• 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

+11.2% since first listed

11 events — show timeline

• 2026-05-26 Listed $250,000 GLVRMLS
• 2023-11-21 Sold (Public Records) $230,000 Public Records
• 2023-11-17 Sold (MLS) $230,000 GLVRMLS
• 2023-10-07 Pending — GLVRMLS
• 2023-10-05 Listed $234,900 GLVRMLS
• 2023-01-23 Sold (Public Records) $218,000 Public Records
• 2023-01-17 Sold (MLS) $218,000 GLVRMLS
• 2022-12-14 Pending — GLVRMLS
• 2022-12-08 Relisted — GLVRMLS
• 2022-11-27 Pending — GLVRMLS
• 2022-11-16 Listed $224,900 GLVRMLS

Property tax history

+0.7%/yr

Latest (2026): $2,830 · +1.7% YoY. Source: county tax records.