20 Catawissa St · Schuylkill, PA 17982

$49,900

3 bd · 1.0 ba · 1,057 sqft · SingleFamily public records · 12 Days on market

Built 1926 3,049 sqft lot $47/sqft · at area comps Est $52k · at est.

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +9.5/15.0
• Appreciation +5.0/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

COZY VILLAGE LIVING, CLOSE TO TUSCARORA STATE PARK AND LOCUST LAKE STATE PARK THAT OFFERS HUNTING AND FISHING, SWIMMING AND CAMPING. MAKES A GOOD STARTER HOME, BACHELOR PAD, HOME BASE FOR RECREATIONAL GETAWAY. PLENTY OF STORAGE IN BASEMENT AND ATTIC. PRETTY STAINED GLASS WINDOW, FRONT PORCH, ENCLOSED BACK PORCH WITH A VIEW, SMALL BACK YARD FOR GARDENING OR FOR THE POOCH, ROOM TO MAKE OFF STREET PARKING, LOW TAXES.

Key facts

• Built 1926
• Listed 12 days

Property features AI

Exterior

• Parking: Other parking type
• Utilities: Public water; Public sewer; Electric-powered cooling
• Home design: Interior townhouse/rowhouse; Above-grade living area approximately 1,057 finished
• Construction: Aluminum siding; Permanent foundation; Other above-grade structures
• Exterior features: Not in a federal flood zone

Interior

• Kitchen: Kitchen
• Bedrooms: Two bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Hot water heating; Coal-fired heating fuel; Ceiling fan(s) for cooling; Electric cooling power
• Interior features: Living room; Dining room; Sitting room; Laundry; Basement with drain, full height, outside/rear entrance, poured concrete floor, and shelving
• Laundry & utility: Laundry area

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $50k.

Deal economics

• At list price, monthly cash flow is $637 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).

Location & tenants

• Location reads: area grade B — 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 Area Shs (math 47% / reading 62%, grade C-, #99 of 437 statewide, top 23%, 691 students, 50% FRL).
• Zoned-school proficiency averages 54% at this address vs 42% district-wide (+12 pts) — the actual schools serving this property are materially stronger than the Tamaqua Area SD average implies; a family-tenant draw the district grade alone would hide.
• 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 $2k of equity ($345 loan paydown + $1k 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 $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 17y 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 $35k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $49,900

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: 2.49% ✓
• Cap rate: 21.61%
• Cash-on-cash: 54.70%
• DSCR: 3.43
• GRM: 3.3

CMA / ARV

• ARV (median comp): $52,276
• List price: $49,900
• Delta: -4.55%
• Verdict: FAIR
• Comps: 2 within 1.0 mi

Projected returns pro-forma

3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 59.7%
• Equity multiple: 4.34×
• Total profit: $46,597
• Equity at exit: $22,437

10-year hold

• IRR: 59.3%
• Equity multiple: 8.81×
• Total profit: $109,061
• Equity at exit: $34,578

Cash invested: $13,972 (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 17982

• Active inventory: 2
• Price-to-rent: 3.3×

Monthly cashflow live

• Estimated rent: $1,243 medium
• Mortgage (P&I): −$262
• Tax est. 1.5%: −$62 /mo · $748/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $637

Break-even live

Break-even rent $437

Max offer price $49,900

Occupancy floor 44%

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-05-15
   listed $49,900 Active
2. 2020-11-13
   soldstatus $35,000
3. 2020-11-09
   soldstatus $35,000 Closed 417-char remark

   Show marketing remark (417 chars)

   COZY VILLAGE LIVING, CLOSE TO TUSCARORA STATE PARK AND LOCUST LAKE STATE PARK THAT OFFERS HUNTING AND FISHING, SWIMMING AND CAMPING. MAKES A GOOD STARTER HOME, BACHELOR PAD, HOME BASE FOR RECREATIONAL GETAWAY. PLENTY OF STORAGE IN BASEMENT AND ATTIC. PRETTY STAINED GLASS WINDOW, FRONT PORCH, ENCLOSED BACK PORCH WITH A VIEW, SMALL BACK YARD FOR GARDENING OR FOR THE POOCH, ROOM TO MAKE OFF STREET PARKING, LOW TAXES.

4. 2020-10-02
   status Pending 417-char remark

   Show marketing remark (417 chars)

   COZY VILLAGE LIVING, CLOSE TO TUSCARORA STATE PARK AND LOCUST LAKE STATE PARK THAT OFFERS HUNTING AND FISHING, SWIMMING AND CAMPING. MAKES A GOOD STARTER HOME, BACHELOR PAD, HOME BASE FOR RECREATIONAL GETAWAY. PLENTY OF STORAGE IN BASEMENT AND ATTIC. PRETTY STAINED GLASS WINDOW, FRONT PORCH, ENCLOSED BACK PORCH WITH A VIEW, SMALL BACK YARD FOR GARDENING OR FOR THE POOCH, ROOM TO MAKE OFF STREET PARKING, LOW TAXES.

5. 2020-09-27
   listed $35,000 Active 417-char remark

   Show marketing remark (417 chars)

   COZY VILLAGE LIVING, CLOSE TO TUSCARORA STATE PARK AND LOCUST LAKE STATE PARK THAT OFFERS HUNTING AND FISHING, SWIMMING AND CAMPING. MAKES A GOOD STARTER HOME, BACHELOR PAD, HOME BASE FOR RECREATIONAL GETAWAY. PLENTY OF STORAGE IN BASEMENT AND ATTIC. PRETTY STAINED GLASS WINDOW, FRONT PORCH, ENCLOSED BACK PORCH WITH A VIEW, SMALL BACK YARD FOR GARDENING OR FOR THE POOCH, ROOM TO MAKE OFF STREET PARKING, LOW TAXES.

6. 2012-05-31
   soldstatus $22,500
7. 2009-11-28
   soldstatus $19,000

   Show marketing remark (243 chars)

   Excellent investment property, tenant ready. Middle BR is walk thru, semi modern kitchen and bath. Enclosed unheated rear porch. Large lot with plenty of room for OSP. Motivated seller. Mailing Address Continued: Tuscarora Color: white Amp: 60

8. 2009-11-27
   soldstatus $19,000
9. 2009-11-19
   historical

   Show marketing remark (243 chars)

   Excellent investment property, tenant ready. Middle BR is walk thru, semi modern kitchen and bath. Enclosed unheated rear porch. Large lot with plenty of room for OSP. Motivated seller. Mailing Address Continued: Tuscarora Color: white Amp: 60

10. 2009-11-02
    listed $19,000

    Show marketing remark (243 chars)

    Excellent investment property, tenant ready. Middle BR is walk thru, semi modern kitchen and bath. Enclosed unheated rear porch. Large lot with plenty of room for OSP. Motivated seller. Mailing Address Continued: Tuscarora Color: white Amp: 60

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 · 16 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: $14,913
• − Mortgage interest: −$2,795
• − Property taxes: −$748
• − Insurance: −$250
• − Repairs & maintenance: −$1,193
• − Management: −$1,193
• − Depreciation: −$1,452
• Taxable income: $7,282
• Est. tax owed @ 24.0%: −$1,748
• After-tax cash flow: $5,896/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 — Schuylkill

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

Census & demographics

• Census place: Tuscarora, PA
• Population (ZIP): 392

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 (99%)
• Race & ethnicity: White 99%
• Common ancestry: Italian 5% Romanian 3% Polish 3%
• Languages at home: 99% English-only · 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

+162.6% since first listed

11 events — show timeline

• 2026-05-27 Pending — BRIGHT MLS
• 2026-05-15 Listed $49,900 BRIGHT MLS
• 2020-11-13 Sold (Public Records) $35,000 Public Records
• 2020-11-09 Sold (MLS) $35,000 BRIGHT MLS
• 2020-10-02 Pending — BRIGHT MLS
• 2020-09-27 Listed $35,000 BRIGHT MLS
• 2012-05-31 Sold (Public Records) $22,500 Public Records
• 2009-11-28 Sold (MLS) $19,000 BRIGHT MLS
• 2009-11-27 Sold (Public Records) $19,000 Public Records
• 2009-11-19 Listing Removed — BRIGHT MLS
• 2009-11-02 Listed $19,000 BRIGHT MLS

Property tax history

+18.7%/yr

Latest (2026): $4,252 · +421.6% YoY. Source: county tax records.