604 3rd St · Port Carbon, PA 17965

$79,900

3 bd · 1.0 ba · 1,424 sqft · Townhouse public records · 18 Days on market

Built 1900 2,178 sqft lot Est $81k · 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 +8.2/15.0
• Appreciation +5.0/10.0
• Livability +4.2/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Opportunity is knocking in the Schoentown neighborhood of Port Carbon! This 3-bedroom, 1.5-bath semi-detached home is packed with potential and ready for its next chapter. Whether you're an investor searching for your next flip, a landlord looking to expand your portfolio, or a buyer eager to build sweat equity, this property offers the value and location to make it happen. The home features durable vinyl siding, a covered front porch with block construction, and a fenced rear yard perfect for pets, outdoor entertaining, or future landscaping ideas. Out back, you’ll also find a beautiful modern Amish-built shed offering excellent storage or workshop space. Inside, the property needs u

Key facts

• Built 1900
• Listed 17 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel
• Home design: Semi-detached design; Stick-built construction; Estimated year built
• Construction: Block and stone foundation
• Exterior features: Lot roughly 20 x 116 feet; Not in a federal flood zone; Above-grade and below-grade structures

Interior

• Kitchen: Stove
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom on the upper level; One half bathroom on the main level
• Heating & cooling: Baseboard hot water heating; Radiator heating; Ceiling fans for cooling; Oil-fired heating and hot water
• Interior features: Stove included; Full basement

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $451 ($5k/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: $79k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 83/100 on livability (#131 in PA, #1,039 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Clarke El Ctr (math 26% / reading 49%, grade F, #997 of 1,518 statewide, top 66%, 805 students, 70% FRL); Lengel Ms (math 22% / reading 43%, grade F, #355 of 512 statewide, top 70%, 699 students, 66% FRL); Pottsville Area Hs (math 52% / reading 74%, grade B-, #69 of 437 statewide, top 16%, 898 students, 57% FRL).
• Market conditions: 11 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $505 of equity ($552 loan paydown + $-47 appreciation (-0.1% 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 (-0.1% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $36k; list at $80k implies a 122% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $78,701 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — 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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.63% ✓
• Cap rate: 13.06%
• Cash-on-cash: 24.17%
• DSCR: 2.08
• GRM: 5.1

CMA / ARV

• ARV (on-the-fly): $81,168
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
602 5th St	0.15mi	4/1.0 (+1)	1,408 (-1%)	9mo	$79,000	$56	78
553 3rd St	0.06mi	3/1.0	1,238 (-13%)	20mo	$70,000	$57	59
228 Coal St	0.47mi	4/1.0 (+1)	1,400 (-2%)	18mo	$90,000	$64	55
214 S Jackson St	0.72mi	3/1.5	1,466 (+3%)	15mo	$77,500	$53	47
76 Rose St	0.69mi	3/1.0	1,216 (-15%)	22mo	$80,000	$66	25

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.2%
• Equity multiple: 2.17×
• Total profit: $26,177
• Equity at exit: $22,967

10-year hold

• IRR: 28.2%
• Equity multiple: 4.13×
• Total profit: $70,123
• Equity at exit: $27,422

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 17965

• Home prices YoY: -0.0%
• Active inventory: 11
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$124 /mo · $1,489/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $451

Break-even live

Break-even rent $730

Max offer price $79,900

Occupancy floor 60%

Sensitivity live

Price	-10% $496	-5% $473	+0% $451	+5% $428	+10% $405
Rent	-10% $348	-5% $399	+0% $451	+5% $502	+10% $553
Rate	-1.0pp $491	-0.5pp $471	base $451	+0.5pp $430	+1.0pp $409

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 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	45d	1	1.24mi

Listing history 19 events

1. 2026-06-21
   days on market $79,900 Active 18 DOM
2. 2026-06-19
   days on market $79,900 Active 16 DOM
3. 2026-06-18
   days on market $79,900 Active 15 DOM
4. 2026-06-17
   days on market $79,900 Active 14 DOM
5. 2026-06-16
   days on market $79,900 Active 13 DOM
6. 2026-06-15
   days on market $79,900 Active 12 DOM
7. 2026-06-14
   days on market $79,900 Active 10 DOM
8. 2026-06-12
   days on market $79,900 Active 9 DOM
9. 2026-06-09
   days on market $79,900 Active 6 DOM
10. 2026-06-08
    days on market $79,900 Active 5 DOM
11. 2026-06-07
    days on market $79,900 Active 4 DOM
12. 2026-06-07
    statusdays on market $79,900 Active 3 DOM
13. 2026-06-04
    days on market $79,900 Coming Soon 6 DOM
14. 2026-06-02
    days on market $79,900 Coming Soon 5 DOM
15. 2026-06-01
    days on market $79,900 Coming Soon 4 DOM
16. 2026-05-31
    days on market $79,900 Coming Soon 3 DOM
17. 2026-05-31
    days on market $79,900 Coming Soon 2 DOM
18. 2026-05-28
    historical $79,900
19. 1999-09-23
    soldstatus $36,000

ⓘ 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: $1,489 · $124/mo
• Projected year-2 tax: $1,489 · $124/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,600
• − Mortgage interest: −$4,476
• − Property taxes: −$1,489
• − Insurance: −$400
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$2,324
• Taxable income: $4,415
• Est. tax owed @ 24.0%: −$1,060
• After-tax cash flow: $4,348/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Port Carbon

• Score: 83/100
• State rank: #131
• US rank: #1039

Category grades

Amenities F Commute B+ 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: Port Carbon, PA
• City population: 1,869
• Population (ZIP): 1,869

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 (93%)
• Race & ethnicity: White 93% Hispanic / Latino 3% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Polish 3% Danish 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: ▼ -0.06%
• Current HPI: 169.9943
• 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

+121.9% since first listed

2 events — show timeline

• 2026-05-28 Coming Soon $79,900 BRIGHT MLS
• 1999-09-23 Sold (Public Records) $36,000 Public Records

Property tax history

+3.0%/yr

Latest (2025): $1,489 · +9.8% YoY. Source: county tax records.