110 Birch St · Shamokin, PA 17872

$68,900

3 bd · 1.0 ba · 1,200 sqft · Land · 53 Days on market

Built 1900 3,049 sqft lot $57/sqft · 31% above area Est $53k · 31% over

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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
• DSCR +10.0/10.0
• 1% rule +8.5/10.0
• Appreciation +6.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• ARV discount +0.0/15.0

Listing remarks

Bring your ideas to this spacious 2 and 1/2 story home. Large living and dining room with a galley style kitchen which needs completed. Upstairs has a large bathroom and 3 spacious bedrooms plus the possibility of another bedroom in the upper level. This home has newly sheet rocked walls and ceilings along with some newer replacement windows and a rear deck along with an extra side lot for off street parking availability! Home needs some finishing touches! Call Freda for a showing today at 570-259 2428

Key facts

• Rear deck
• Extra side lot
• Galley style kitchen

Tags

• GALLEY STYLE KITCHEN
• NEWLY SHEET ROCKED WALLS
• NEWER REPLACEMENT WINDOWS
• REAR DECK
• EXTRA SIDE LOT

Property features AI

Finance

• Other: Residential zoning

Exterior

• Parking: Off-street parking potential; See remarks for parking details
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Single family residence (Residential property); 1,200 above-grade finished area; 50 x 60 lot dimensions
• Construction: Shingle roof; Construction includes asbestos (see remarks); No foundation details listed
• Exterior features: Deck; Porch; Sidewalks

Interior

• Kitchen: No appliances listed
• Bedrooms: Total of 7 rooms (bedrooms and other living spaces combined)
• Bathrooms: 1 three-quarter bathroom
• Heating & cooling: Baseboard heating; Ceiling fan(s) for cooling
• Interior features: Ceiling fan(s); Unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath land listed at $69k.

Deal economics

• At list price, monthly cash flow is $257 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($928 rent vs $69k).
• Recommended offer: $67k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#887 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: schools D, commute F, employment F.
• Shamokin Area SD (town): math 19% / reading 40% proficiency, ranked #450 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 76 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); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($476 loan paydown + $1k appreciation (1.9% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($67k) is reasonable based on typical stale-listing flexibility.
• 2 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 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $66,833 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 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 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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.
6. 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.
7. 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: 1.35% ✓
• Cap rate: 10.77%
• Cash-on-cash: 16.00%
• DSCR: 1.71
• GRM: 6.2

CMA / ARV

• ARV (median comp): $52,535
• List price: $68,900
• Delta: 31.15%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

1.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 20.1%
• Equity multiple: 2.08×
• Total profit: $20,784
• Equity at exit: $26,818

10-year hold

• IRR: 22.3%
• Equity multiple: 3.91×
• Total profit: $56,154
• Equity at exit: $38,345

Cash invested: $19,292 (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 17872

• Home prices YoY: 1.6%
• Active inventory: 76
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $928 high
• Mortgage (P&I): −$361
• Tax est. 1.5%: −$86 /mo · $1,034/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$195
• Net cashflow: $257

Break-even live

Break-even rent $603

Max offer price $68,900

Occupancy floor 67%

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: $17,225
• Closing costs: $2,067
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11 S Market St Fl Rear Shamokin, PA	3.0	1.0	950	$1,000	$1.05	43d	1	0.20mi
11 S Market St Apt B Rear Shamokin, PA	2.0	1.0	1100	$900	$0.82	43d	1	0.20mi
2 S Vine St Shamokin, PA	3.0	1.0	1450	$975	$0.67	43d	1	0.33mi
863 W Spruce St Coal Township, PA	2.0	1.0	1200	$695	$0.58	43d	1	0.62mi
804 W Mulberry St Coal Township, PA	3.0	1.0	1350	$1,075	$0.80	43d	1	0.62mi
1309 W Spruce St Coal Township, PA	3.0	1.0	1275	$825	$0.65	43d	1	0.94mi

Listing history 20 events

1. 2026-06-19
   days on market $68,900 Active 53 DOM
2. 2026-06-18
   days on market $68,900 Active 52 DOM
3. 2026-06-17
   days on market $68,900 Active 51 DOM
4. 2026-06-16
   days on market $68,900 Active 50 DOM
5. 2026-06-15
   days on market $68,900 Active 49 DOM
6. 2026-06-14
   days on market $68,900 Active 47 DOM
7. 2026-06-12
   days on market $68,900 Active 46 DOM
8. 2026-06-09
   days on market $68,900 Active 43 DOM
9. 2026-06-08
   days on market $68,900 Active 42 DOM
10. 2026-06-07
    days on market $68,900 Active 41 DOM
11. 2026-06-03
    days on market $68,900 Active 37 DOM
12. 2026-06-02
    days on market $68,900 Active 36 DOM
13. 2026-06-01
    days on market $68,900 Active 35 DOM
14. 2026-05-31
    days on market $68,900 Active 34 DOM
15. 2026-05-30
    days on market $68,900 Active 33 DOM
16. 2026-04-27
    listed $68,900 Active 510-char remark
17. 2022-12-15
    historical
18. 2022-11-09
    price $15,000
19. 2022-10-26
    price $19,400
20. 2022-10-18
    listed $19,900 Active

ⓘ 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 5/10 Major 8 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $11,140
• − Mortgage interest: −$3,859
• − Property taxes: −$1,034
• − Insurance: −$344
• − Repairs & maintenance: −$891
• − Management: −$891
• − Depreciation: −$2,004
• Taxable income: $2,116
• Est. tax owed @ 24.0%: −$508
• After-tax cash flow: $2,579/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: Shamokin Area SD
• NCES district ID: 4221240
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 40% ▼ -11.00%
• Median HH income: $35,380
• Composite: 24.31/100
• National rank: #7709
• State rank: #450 of 539 in PA

Livability — Shamokin

• Score: 68/100
• State rank: #887
• US rank: #9448

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: Shamokin, PA
• City population: 9,808
• Population (ZIP): 8,950

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 10% Hispanic / Latino 8% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 14% Iranian 6% Subsaharan African 1%
• Foreign-born: 1%
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.90%
• Current HPI: 124.6288
• 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

+246.2% since first listed

5 events — show timeline

• 2026-04-27 Listed $68,900 CSVBR
• 2022-12-15 Listing Removed — BRIGHT MLS
• 2022-11-09 Price Changed $15,000 BRIGHT MLS
• 2022-10-26 Price Changed $19,400 BRIGHT MLS
• 2022-10-18 Listed $19,900 BRIGHT MLS

Property tax history

-11.0%/yr

Latest (2026): $135 · +61.5% YoY. Source: county tax records.