223 Penn St · Tamaqua, PA 18252

$79,900

3 bd · 1.0 ba · 1,320 sqft · SingleFamily public records · 38 Days on market

Built 1920 6.00 ac lot $61/sqft · 48% below area Est $153k · 48% 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 +28.7/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

Key facts

• Spacious yard
• 6 acre lot
• Built 1920

Tags

• WRAP AROUND FRONT PORCH
• SPACIOUS YARD

Property features AI

Exterior

• Parking: No on-site parking
• Home design: Single-family residence; Residential property type
• Construction: Frame construction; No foundation details provided
• Exterior features: Level topography; Lot measures 17 x 150; 6-acre lot; Zoned residential

Interior

• Bathrooms: 1 full bathroom; 1 half bathroom
• Interior features: Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $210 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.3% vs local median 6.8% in Tamaqua — 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 80/100 on livability (#209 in PA, #1,844 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute D+, employment F.
• 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.
• Market conditions: 75 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% of comp listings sitting > 30 days — soft ceiling on asking rent; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k 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 + 3.0% rent growth), your $22k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 20y 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 $50k; list at $80k implies a 60% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.6% of price; flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,503 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
7. 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.
8. 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: 1.62% ✓
• Cap rate: 10.29%
• Cash-on-cash: 14.26%
• DSCR: 1.63
• GRM: 5.1

CMA / ARV

• ARV (median comp): $153,212
• List price: $79,900
• Delta: -47.85%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Clay St	0.44mi	3/1.5	1,260 (-4%)	6mo	$185,000	$147	65
154 W Spruce St	0.10mi	3/1.5	1,440 (+9%)	18mo	$40,000	$28	63
218 Pitt St	0.42mi	3/2.0	1,260 (-4%)	8mo	$105,000	$83	62
300 Pitt St	0.44mi	3/1.5	1,200 (-9%)	2mo	$144,000	$120	60
65 S Nescopec St	0.17mi	3/1.5	1,472 (+12%)	13mo	$151,000	$103	60
238 W Rowe St	0.29mi	4/1.5 (+1)	1,482 (+12%)	4mo	$67,500	$46	55
219 Gay St	0.43mi	3/2.0	1,462 (+11%)	5mo	$140,200	$96	54
238 Brown St	0.43mi	4/1.0 (+1)	1,502 (+14%)	3mo	$108,000	$72	50
308 Gay St	0.46mi	3/1.5	1,184 (-10%)	19mo	$102,000	$86	44
310 Biddle St	0.65mi	4/1.0 (+1)	1,492 (+13%)	14mo	$107,500	$72	31

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: 0.7%
• Equity multiple: 1.03×
• Total profit: $631
• Equity at exit: $11,913

10-year hold

• IRR: 10.6%
• Equity multiple: 1.83×
• Total profit: $18,529
• Equity at exit: $6,908

Cash invested: $22,372 (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 18252

• Home prices YoY: -15.4%
• Active inventory: 75
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,293 high
• Mortgage (P&I): −$419
• Tax from tax record: −$303 /mo · $3,640/yr
• Insurance: −$33
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $210

Break-even live

Break-even rent $1,027

Max offer price $79,900

Occupancy floor 79%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 E Broad St Unit 1 Tamaqua, PA	2.0	1.0	900	$1,300	$1.44	43d	1	0.45mi
128 E Broad St Unit 128B Tamaqua, PA	3.0	1.0	1623	$1,450	$0.89	43d	1	0.45mi
128 E Broad St Unit 128C Tamaqua, PA	2.0	1.0	1055	$1,200	$1.14	43d	1	0.45mi
234 Mauch Chunk St Unit 2 Tamaqua, PA	3.0	1.0	1100	$1,425	$1.30	23d	1	0.58mi
223 Schuylkill Ave Tamaqua, PA	3.0	1.0	1100	$1,050	$0.95	43d	1	0.67mi
435 E Union St Tamaqua, PA	3.0	1.0	1560	$1,275	$0.82	14d	1	0.96mi

Listing history 33 events

1. 2026-06-18
   days on market $79,900 Active 38 DOM
2. 2026-06-17
   days on market $79,900 Active 37 DOM
3. 2026-06-16
   days on market $79,900 Active 36 DOM
4. 2026-06-15
   days on market $79,900 Active 35 DOM
5. 2026-06-13
   days on market $79,900 Active 33 DOM
6. 2026-06-12
   days on market $79,900 Active 32 DOM
7. 2026-06-09
   days on market $79,900 Active 29 DOM
8. 2026-06-08
   days on market $79,900 Active 28 DOM
9. 2026-06-08
   days on market $79,900 Active 27 DOM
10. 2026-06-07
    days on market $79,900 Active 26 DOM
11. 2026-06-04
    days on market $79,900 Active 23 DOM
12. 2026-06-02
    days on market $79,900 Active 22 DOM
13. 2026-06-01
    days on market $79,900 Active 21 DOM
14. 2026-05-31
    days on market $79,900 Active 20 DOM
15. 2026-05-11
    listed $79,900 Active 248-char remark
16. 2021-01-22
    soldstatus $49,900
17. 2021-01-15
    soldstatus $49,900 Sold 293-char remark

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

18. 2021-01-15
    soldstatus $49,900 Closed

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

19. 2021-01-15
    soldstatus $49,900

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

20. 2020-11-19
    status Pending

    Show marketing remark (293 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

21. 2020-11-19
    status Pending 293-char remark

    Show marketing remark (293 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

22. 2020-10-20
    price $49,900 293-char remark

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

23. 2020-10-20
    price $49,900

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

24. 2020-09-24
    listed $59,000 Active

    Show marketing remark (294 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

25. 2020-09-23
    listed $59,000 Active 293-char remark

    Show marketing remark (293 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

26. 2020-09-23
    listed $49,900

    Show marketing remark (293 chars)

    Move right in to this South Ward well maintained 3 BR, 1.5 bath end of row! Spacious yard with off street parking. Some finished wood floors, half bath on main level and spacious full bath on 2nd floor. Some walk thru bedrooms. Modern baths, spacious kitchen! Schedule your appointment today!!

27. 2013-09-20
    soldstatus $15,500
28. 2013-08-06
    listed $15,500
29. 2013-08-06
    historical
30. 2007-04-25
    soldstatus $54,000
31. 2007-04-20
    soldstatus $54,000
32. 2006-11-30
    historical
33. 2006-11-30
    listed $54,000

ⓘ 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: $3,640 · $303/mo
• Projected year-2 tax: $3,640 · $303/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $15,517
• − Mortgage interest: −$4,476
• − Property taxes: −$3,640
• − Insurance: −$1,066
• − Repairs & maintenance: −$1,241
• − Management: −$1,241
• − Depreciation: −$2,324
• Taxable income: $1,529
• Est. tax owed @ 24.0%: −$367
• After-tax cash flow: $2,158/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 — Tamaqua

• Score: 80/100
• State rank: #209
• US rank: #1844

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tamaqua, PA
• Population (ZIP): 11,065

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 9% Two or more races 8%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3% Salvadoran 2%
• Common ancestry: Romanian 11% Iranian 3% Polish 2%
• Foreign-born: 2% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -35.53%
• Current HPI: 194.8976
• 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

+48.0% since first listed

19 events — show timeline

• 2026-05-11 Listed $79,900 CSVBR
• 2021-01-22 Sold (Public Records) $49,900 Public Records
• 2021-01-15 Sold (MLS) $49,900 PMAR
• 2021-01-15 Sold (MLS) $49,900 BRIGHT MLS
• 2021-01-15 Sold (MLS) $49,900 GLVRMLS
• 2020-11-19 Pending — BRIGHT MLS
• 2020-11-19 Pending — GLVRMLS
• 2020-10-20 Price Changed $49,900 GLVRMLS
• 2020-10-20 Price Changed $49,900 BRIGHT MLS
• 2020-09-24 Listed $59,000 BRIGHT MLS
• 2020-09-23 Listed $49,900 PMAR
• 2020-09-23 Listed $59,000 GLVRMLS
• 2013-09-20 Sold (MLS) $15,500 BRIGHT MLS
• 2013-08-06 Listing Removed — BRIGHT MLS
• 2013-08-06 Listed $15,500 BRIGHT MLS
• 2007-04-25 Sold (MLS) $54,000 BRIGHT MLS
• 2007-04-20 Sold (Public Records) $54,000 Public Records
• 2006-11-30 Listed $54,000 BRIGHT MLS
• 2006-11-30 Listing Removed — BRIGHT MLS

Property tax history

+9.2%/yr

Latest (2026): $3,640 · +102.1% YoY. Source: county tax records.