605 N 8th St · Pottsville, PA 17901

$95,000

3 bd · 1.0 ba · 1,102 sqft · SingleFamily public records · 24 Days on market

Built 1950 1,742 sqft lot Est $143k · 34% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming detached 3-bedroom, 2-bath home in the heart of Pottsville featuring private off-street parking for 3+ vehicles. Recent improvements include a new roof, and a beautifully updated main-level full bathroom. The main floor offers a living room, dining area, full bath, and kitchen with appliances included. Upstairs, you’ll find three bedrooms and a second full bathroom. Additional features include a utility/storage room with laundry hookup. Whether you’re looking for a primary residence or an investment opportunity, this property offers excellent rental potential and plenty of possibilities to make it your own. Great downtown location within walking distance to Laurel Blvd, County offices, dining and more!

Key facts

• Downtown location
• New roof
• Utility storage room

Tags

• PRIVATE OFF-STREET PARKING
• NEW ROOF
• UTILITY STORAGE ROOM
• EXCELLENT RENTAL POTENTIAL
• DOWNTOWN LOCATION

Property features AI

Finance

• Other: Fee simple ownership; Not in a federal flood zone

Exterior

• Parking: Private stone driveway; Off-street driveway parking
• Utilities: Public water; Public sewer; Electric power; 60+ gallon hot water tank
• Home design: Detached property; Estimated year built; Main entry at level (no steps); Lot dimensions approximately 45 x 37
• Construction: Concrete construction; Concrete perimeter foundation; Shingle roof; Above-grade and below-grade structures noted
• Exterior features: Private stone driveway; Driveway / off-street parking; Porch(es)

Interior

• Kitchen: Electric oven/range; Refrigerator
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: Two full bathrooms (one on main level, one on upper level)
• Heating & cooling: Electric baseboard heating; Ceiling fans; Window air conditioning units
• Interior features: Level entry to main floor; Porch(es)
• Laundry & utility: 60+ gallon hot water tank

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $383 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $94k (1.5% below list) — sets the bar for market timing.
• Cap rate 12.0% vs local median 7.5% in Pottsville — 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 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment 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: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% 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 $657 of loan paydown is wiped out by about $3k 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 + 5.7% rent growth), your $27k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 10 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 $52k; list at $95k implies a 83% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,575 (1.5% below list)

Questions for the listing agent

1. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.42% ✓
• Cap rate: 11.97%
• Cash-on-cash: 20.27%
• DSCR: 1.90
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $143,260
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1023 W Schuylkill	0.57mi	3/1.0	1,053 (-4%)	4mo	$90,000	$85	63
1308 Mount Hope Ave	0.26mi	2/— (-1)	1,240 (+12%)	2mo	$259,000	$209	60
241 Peacock St	0.38mi	3/1.0	1,242 (+13%)	2mo	$97,000	$78	60
617 Schuylkill Ave	0.57mi	3/1.0	1,144 (+4%)	10mo	$180,000	$157	59
1414 Mt Hope Ave	0.43mi	2/1.0 (-1)	1,240 (+12%)	7mo	$80,000	$65	48
707 Peacock St	0.58mi	3/2.0	1,056 (-4%)	17mo	$192,000	$182	48
509 Boone St	0.67mi	3/1.0	1,171 (+6%)	16mo	$132,000	$113	45
1507 W Market St	0.59mi	3/1.0	1,260 (+14%)	6mo	$194,000	$154	44
246 Pierce St	0.63mi	4/1.0 (+1)	982 (-11%)	5mo	$115,000	$117	43
820 Water St	0.73mi	3/1.0	976 (-11%)	6mo	$147,500	$151	42
103 N 16th St	0.65mi	3/1.0	1,264 (+15%)	11mo	$130,500	$103	36
30 Walter Griffiths Ave	0.62mi	3/1.5	960 (-13%)	20mo	$125,000	$130	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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: 11.7%
• Equity multiple: 1.48×
• Total profit: $12,798
• Equity at exit: $14,165

10-year hold

• IRR: 22.8%
• Equity multiple: 3.22×
• Total profit: $59,030
• Equity at exit: $8,214

Cash invested: $26,600 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,349 high
• Mortgage (P&I): −$498
• Tax from tax record: −$79 /mo · $947/yr
• Insurance: −$40
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $383

Break-even live

Break-even rent $865

Max offer price $95,000

Occupancy floor 67%

Sensitivity live

Price	-10% $437	-5% $410	+0% $383	+5% $356	+10% $329
Rent	-10% $276	-5% $330	+0% $383	+5% $436	+10% $490
Rate	-1.0pp $431	-0.5pp $407	base $383	+0.5pp $358	+1.0pp $333

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	46d	1	0.22mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	46d	1	0.33mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	46d	1	0.35mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	46d	1	0.46mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	46d	1	0.50mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	46d	1	0.73mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	46d	1	0.74mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	46d	1	0.78mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	46d	1	0.78mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	46d	1	0.87mi

Listing history 49 events

1. 2026-06-22
   days on market $95,000 Active 24 DOM
2. 2026-06-21
   days on market $95,000 Active 23 DOM
3. 2026-06-19
   days on market $95,000 Active 21 DOM
4. 2026-06-18
   days on market $95,000 Active 20 DOM
5. 2026-06-17
   days on market $95,000 Active 19 DOM
6. 2026-06-16
   days on market $95,000 Active 18 DOM
7. 2026-06-15
   days on market $95,000 Active 17 DOM
8. 2026-06-14
   days on market $95,000 Active 15 DOM
9. 2026-06-12
   days on market $95,000 Active 14 DOM
10. 2026-06-09
    days on market $95,000 Active 11 DOM
11. 2026-06-08
    days on market $95,000 Active 10 DOM
12. 2026-06-07
    days on market $95,000 Active 9 DOM
13. 2026-06-07
    days on market $95,000 Active 8 DOM
14. 2026-06-04
    days on market $95,000 Active 5 DOM
15. 2026-06-02
    days on market $95,000 Active 4 DOM
16. 2026-06-01
    days on market $95,000 Active 3 DOM
17. 2026-05-31
    days on market $95,000 Active 2 DOM
18. 2026-05-29
    listed $95,000 Active 732-char remark

    Show marketing remark (732 chars)

    Charming detached 3-bedroom, 2-bath home in the heart of Pottsville featuring private off-street parking for 3+ vehicles. Recent improvements include a new roof, and a beautifully updated main-level full bathroom. The main floor offers a living room, dining area, full bath, and kitchen with appliances included. Upstairs, you’ll find three bedrooms and a second full bathroom. Additional features include a utility/storage room with laundry hookup. Whether you’re looking for a primary residence or an investment opportunity, this property offers excellent rental potential and plenty of possibilities to make it your own. Great downtown location within walking distance to Laurel Blvd, County offices, dining and more!

19. 2026-05-29
    listed $95,000 Active

    Show marketing remark (732 chars)

    Charming detached 3-bedroom, 2-bath home in the heart of Pottsville featuring private off-street parking for 3+ vehicles. Recent improvements include a new roof, and a beautifully updated main-level full bathroom. The main floor offers a living room, dining area, full bath, and kitchen with appliances included. Upstairs, you’ll find three bedrooms and a second full bathroom. Additional features include a utility/storage room with laundry hookup. Whether you’re looking for a primary residence or an investment opportunity, this property offers excellent rental potential and plenty of possibilities to make it your own. Great downtown location within walking distance to Laurel Blvd, County offices, dining and more!

20. 2025-08-12
    historical
21. 2025-07-24
    price $89,000
22. 2025-06-22
    listed $94,000 Active
23. 2025-06-12
    historical
24. 2025-06-05
    status Active
25. 2025-06-03
    historical Active Under Contract
26. 2025-05-15
    listed $94,000 Active
27. 2023-04-24
    soldstatus $52,000
28. 2023-03-17
    soldstatus $62,000 Closed
29. 2023-03-07
    status Pending
30. 2023-03-03
    historical Active Under Contract
31. 2023-02-16
    price $57,000
32. 2023-02-11
    price $58,500
33. 2023-02-07
    price $60,000
34. 2023-02-01
    price $62,000
35. 2023-01-24
    price $64,000
36. 2023-01-17
    price $66,000
37. 2023-01-11
    price $67,500
38. 2022-12-23
    listed $68,500 Active
39. 2021-07-01
    soldstatus $53,000
40. 2021-06-24
    soldstatus $53,000 Closed
41. 2021-05-08
    status Pending
42. 2021-01-19
    listed $60,000 Active
43. 2017-08-11
    historical
44. 2017-07-19
    listed $15,000
45. 2006-05-10
    soldstatus $10,500
46. 2006-05-10
    soldstatus $10,500
47. 2006-01-25
    listed $11,445
48. 2006-01-25
    historical
49. 2006-01-25
    listed $10,500

ⓘ 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: $947 · $79/mo
• Projected year-2 tax: $1,224 · $102/mo
• Expected delta: +$277/yr (+$23/mo · 29.3%)

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,194
• − Mortgage interest: −$5,321
• − Property taxes: −$947
• − Insurance: −$1,272
• − Repairs & maintenance: −$1,296
• − Management: −$1,296
• − Depreciation: −$2,764
• Taxable income: $3,298
• Est. tax owed @ 24.0%: −$792
• After-tax cash flow: $3,804/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 — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

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: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, PA
• 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

+730.1% since first listed

32 events — show timeline

• 2026-05-29 Listed $95,000 BRIGHT MLS
• 2026-05-29 Listed $95,000 GLVRMLS
• 2025-08-12 Listing Removed — BRIGHT MLS
• 2025-07-24 Price Changed $89,000 BRIGHT MLS
• 2025-06-22 Listed $94,000 BRIGHT MLS
• 2025-06-12 Listing Removed — BRIGHT MLS
• 2025-06-05 Relisted — BRIGHT MLS
• 2025-06-03 Contingent — BRIGHT MLS
• 2025-05-15 Listed $94,000 BRIGHT MLS
• 2023-04-24 Sold (Public Records) $52,000 Public Records
• 2023-03-17 Sold (MLS) $62,000 BRIGHT MLS
• 2023-03-07 Pending — BRIGHT MLS
• 2023-03-03 Contingent — BRIGHT MLS
• 2023-02-16 Price Changed $57,000 BRIGHT MLS
• 2023-02-11 Price Changed $58,500 BRIGHT MLS
• 2023-02-07 Price Changed $60,000 BRIGHT MLS
• 2023-02-01 Price Changed $62,000 BRIGHT MLS
• 2023-01-24 Price Changed $64,000 BRIGHT MLS
• 2023-01-17 Price Changed $66,000 BRIGHT MLS
• 2023-01-11 Price Changed $67,500 BRIGHT MLS
• 2022-12-23 Listed $68,500 BRIGHT MLS
• 2021-07-01 Sold (Public Records) $53,000 Public Records
• 2021-06-24 Sold (MLS) $53,000 BRIGHT MLS
• 2021-05-08 Pending — BRIGHT MLS
• 2021-01-19 Listed $60,000 BRIGHT MLS
• 2017-08-11 Listing Removed — BRIGHT MLS
• 2017-07-19 Listed $15,000 BRIGHT MLS
• 2006-05-10 Sold (MLS) $10,500 BRIGHT MLS
• 2006-05-10 Sold (MLS) $10,500 GLVRMLS
• 2006-01-25 Listed $10,500 BRIGHT MLS
• 2006-01-25 Listing Removed — BRIGHT MLS
• 2006-01-25 Listed $11,445 GLVRMLS

Property tax history

+3.1%/yr

Latest (2025): $947 · +8.6% YoY. Source: county tax records.