17 Schuylkill St · Cressona, PA 17929

$154,900

4 bd · 1.0 ba · 1,440 sqft · SingleFamily public records · 14 Days on market

Built 1900 3,049 sqft lot $108/sqft · 20% below area Est $214k · 28% 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 +17.3/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +5.4/10.0
• 1% rule +4.7/10.0
• Schools +4.6/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

5-Bedroom , 2 Bath single home in Blue Mountain School District. waiting for new owner. Move-in ready. Opportunity for investor or first time home buyer. Large living room. New boiler installed July 2023. New windows installed 2013. Front porch roof installed 2022. Rear roof installed 2020. 3rd floor is heated can be used as bedrooms or storage area. 200 Amp Electric Service. White vinyl fencing in yard. Large shed. Rear off-street parking for 3 vehicles. Home being sold "AS IS". Motivated sellers.

Key facts

• New boiler installed
• Rear roof installed
• Heated 3rd floor

Tags

• NEW BOILER INSTALLED
• NEW WINDOWS INSTALLED
• FRONT PORCH ROOF INSTALLED
• REAR ROOF INSTALLED
• HEATED 3RD FLOOR
• 200 AMP ELECTRIC SERVICE

Property features AI

Finance

• Financial info: Lease offers are not being considered

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Municipal trash service
• Home design: Detached property; Estimated year built
• Construction: Vinyl siding; Stone foundation; Metal, rubber, and architectural shingle roof
• Exterior features: Vinyl fencing; Side yard and front yard; Shed; Community pool; Ground rent paid annually

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Bathrooms: Two full bathrooms total (one on main level, one on first upper level)
• Heating & cooling: Baseboard hot water heating; Radiator heating; Oil-fired heating and hot water
• Interior features: Estimated living area; Full basement
• Laundry & utility: Laundry on main floor; Tankless hot water

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $115 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $150k (3.2% below list).
• Recommended offer: $150k (3.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#343 in PA, #3,022 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Blue Mountain SD (town): math 42% / reading 65% proficiency, ranked #126 of 539 in PA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 13 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 $17k of equity ($1k loan paydown + $15k appreciation (10.0% 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 (10.0% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

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

Recommended offer $150,000 (3.2% 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 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?
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: 0.97% ✗
• Cap rate: 7.18%
• Cash-on-cash: 3.17%
• DSCR: 1.14
• GRM: 8.6

CMA / ARV

• ARV (median comp): $214,158
• List price: $154,900
• Delta: -27.67%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
64 S Schuylkill St	0.11mi	3/1.5 (-1)	1,446 (+0%)	2mo	$258,700	$179	85
99 Front St	0.06mi	3/2.0 (-1)	1,440 (0%)	8mo	$189,900	$132	82
17 Schuylkill St	0.00mi	5/2.0 (+1)	1,600 (+11%)	0mo	$154,900	$97	72
72 Schuylkill St	0.15mi	3/2.0 (-1)	1,328 (-8%)	1mo	$249,000	$188	70
27 Grove St	0.47mi	4/1.0	1,416 (-2%)	17mo	$197,000	$139	61
36 Cedar St	0.42mi	3/2.0 (-1)	1,436 (-0%)	13mo	$190,000	$132	61
1899 Long Run Rd	0.62mi	3/1.0 (-1)	1,512 (+5%)	2mo	$201,100	$133	56
97 Walnut St	0.41mi	3/2.0 (-1)	1,272 (-12%)	5mo	$155,000	$122	48
34 Blossom Ln	0.62mi	3/2.0 (-1)	1,548 (+8%)	11mo	$300,000	$194	40
302 Caldwell St	0.74mi	3/2.0 (-1)	1,384 (-4%)	13mo	$165,000	$119	39
14 Donna Cir	0.53mi	4/3.0	1,588 (+10%)	14mo	$240,000	$151	38
147 Pottsville St	0.69mi	3/1.0 (-1)	1,308 (-9%)	15mo	$65,000	$50	35

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.6%
• Equity multiple: 3.11×
• Total profit: $91,679
• Equity at exit: $139,546

10-year hold

• IRR: 23.3%
• Equity multiple: 7.09×
• Total profit: $264,289
• Equity at exit: $300,937

Cash invested: $43,372 (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 17929

• Home prices YoY: 7.0%
• Active inventory: 13
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,500 medium
• Mortgage (P&I): −$812
• Tax est. 1.5%: −$194 /mo · $2,324/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $115

Break-even live

Break-even rent $1,355

Max offer price $154,900

Occupancy floor 87%

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: $38,725
• Closing costs: $4,647
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
136 W Main St Schuylkill Haven, PA	3.0	2.0	1400	$1,500	$1.07	43d	1	0.94mi

Listing history 2 events

1. 2026-05-15
   historical
2. 2026-05-01
   listed $154,900 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°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: $18,000
• − Mortgage interest: −$8,677
• − Property taxes: −$2,324
• − Insurance: −$774
• − Repairs & maintenance: −$1,440
• − Management: −$1,440
• − Depreciation: −$4,506
• Taxable loss: −$1,161
• Est. tax savings @ 24.0%: +$279
• After-tax cash flow: $1,653/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: Blue Mountain SD
• NCES district ID: 4203870
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $58,661
• Composite: 46.42/100
• National rank: #2454
• State rank: #126 of 539 in PA

Livability — Cressona

• Score: 77/100
• State rank: #343
• US rank: #3022

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cressona, PA
• City population: 1,369
• Population (ZIP): 1,369

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Romanian 7% Polish 5% Iranian 4%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 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: ▲ 13.90%
• Current HPI: 211.4846
• 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

+0.0% since first listed

4 events — show timeline

• 2026-06-17 Sold (MLS) $154,900 BRIGHT MLS
• 2026-05-26 Pending — BRIGHT MLS
• 2026-05-15 Listing Removed — BRIGHT MLS
• 2026-05-01 Listed $154,900 BRIGHT MLS

Property tax history

+22.6%/yr

Latest (2026): $11,726 · +667.8% YoY. Source: county tax records.