705 W Race St · Pottsville, PA 17901

$124,900

3 bd · 1.0 ba · 1,520 sqft · SingleFamily public records · 155 Days on market

Built 1894 1,742 sqft lot $82/sqft · 26% above area Est $99k · 26% over

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Why this score? — see what drove the C- 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 +23.7/30.0
• DSCR +7.6/10.0
• 1% rule +5.6/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this four-bedroom, one-and-a-half bath home in a convenient Pottsville location. The property offers a straightforward layout and a solid foundation for any buyer looking to bring their own ideas to life. It’s a practical option for first-time homebuyers, experienced buyers, or investors seeking their next project or rental opportunity. You'll find nearby access to local amenities, schools, and major routes, making day-to-day living easy. With some updates and personal touches, this home can become a comfortable residence or a dependable addition to your portfolio. A good opportunity at an affordable price—schedule your showing today. Property qualifies for a lender credit of up to 1% of the purchase price toward buyer’s closing costs or interest rate buydowns when using the AMG Team of CrossCountry Mortgage. Buyer is not required to use the AMG Team to submit or have an offer accepted; however, use of the AMG Team is required to qualify for the lender credit. Restrictions apply.

Key facts

• Access to schools
• Pottsville location
• Built 1894

Tags

• POTTSVILLE LOCATION
• ACCESS TO SCHOOLS
• ACCESS TO MAJOR ROUTES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $237 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 6.1% 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.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 12 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; 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 $864 of loan paydown is wiped out by about $4k 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 $35k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 155 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 17y 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 $85k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1894 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 155 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1894 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.06% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.14%
• DSCR: 1.36
• GRM: 7.8

CMA / ARV

• ARV (median comp): $98,813
• List price: $124,900
• Delta: 26.40%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
800 Mine St	0.07mi	3/1.0	1,392 (-8%)	3mo	$35,000	$25	80
326 E Race St	0.48mi	3/1.5	1,530 (+1%)	7mo	$90,000	$59	69
901 Fairview St	0.28mi	3/1.0	1,388 (-9%)	5mo	$145,000	$104	68
607 N 8th St	0.24mi	3/2.0	1,400 (-8%)	10mo	$196,000	$140	63
412 Wheeler St	0.53mi	4/1.0 (+1)	1,526 (+0%)	15mo	$150,000	$98	57
1401 Mount Hope Ave	0.56mi	2/1.0 (-1)	1,478 (-3%)	9mo	$175,000	$118	57
315 N George St	0.49mi	4/1.0 (+1)	1,600 (+5%)	16mo	$45,000	$28	50
436 Wheeler St	0.60mi	3/1.5	1,678 (+10%)	4mo	$300,000	$179	50
239 Pierce St	0.42mi	3/2.0	1,380 (-9%)	14mo	$130,000	$94	49
Railroad St W #220	0.49mi	3/2.0	1,684 (+11%)	11mo	$174,000	$103	46
939 S Seneca St	0.39mi	3/2.0	1,322 (-13%)	13mo	$205,000	$155	45
331 E Arch St	0.50mi	3/1.0	1,300 (-14%)	11mo	$80,000	$62	44

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: -1.0%
• Equity multiple: 0.96×
• Total profit: $-1,428
• Equity at exit: $18,623

10-year hold

• IRR: 11.2%
• Equity multiple: 1.98×
• Total profit: $34,249
• Equity at exit: $10,799

Cash invested: $34,972 (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: 7.8×

Monthly cashflow live

• Estimated rent: $1,328 high
• Mortgage (P&I): −$655
• Tax from tax record: −$105 /mo · $1,261/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $237

Break-even live

Break-even rent $1,028

Max offer price $124,900

Occupancy floor 77%

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 12 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	43d	1	0.01mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	43d	1	0.21mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	43d	1	0.23mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	43d	1	0.28mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	43d	1	0.32mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	43d	1	0.34mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	43d	1	0.35mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	43d	1	0.59mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	43d	1	0.66mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	43d	1	0.69mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	43d	1	0.77mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	43d	1	1.25mi

Listing history 32 events

1. 2026-06-19
   days on market $124,900 Active 155 DOM
2. 2026-06-18
   days on market $124,900 Active 154 DOM
3. 2026-06-17
   days on market $124,900 Active 153 DOM
4. 2026-06-16
   days on market $124,900 Active 152 DOM
5. 2026-06-15
   days on market $124,900 Active 151 DOM
6. 2026-06-14
   days on market $124,900 Active 149 DOM
7. 2026-06-12
   days on market $124,900 Active 148 DOM
8. 2026-06-09
   days on market $124,900 Active 145 DOM
9. 2026-06-08
   days on market $124,900 Active 144 DOM
10. 2026-06-07
    days on market $124,900 Active 143 DOM
11. 2026-06-07
    days on market $124,900 Active 142 DOM
12. 2026-06-04
    days on market $124,900 Active 139 DOM
13. 2026-06-02
    days on market $124,900 Active 138 DOM
14. 2026-06-01
    days on market $124,900 Active 137 DOM
15. 2026-05-31
    days on market $124,900 Active 136 DOM
16. 2026-05-31
    days on market $124,900 Active 135 DOM
17. 2026-03-30
    price $124,900 1023-char remark

    Show marketing remark (1023 chars)

    Welcome to this four-bedroom, one-and-a-half bath home in a convenient Pottsville location. The property offers a straightforward layout and a solid foundation for any buyer looking to bring their own ideas to life. It’s a practical option for first-time homebuyers, experienced buyers, or investors seeking their next project or rental opportunity. You'll find nearby access to local amenities, schools, and major routes, making day-to-day living easy. With some updates and personal touches, this home can become a comfortable residence or a dependable addition to your portfolio. A good opportunity at an affordable price—schedule your showing today. Property qualifies for a lender credit of up to 1% of the purchase price toward buyer’s closing costs or interest rate buydowns when using the AMG Team of CrossCountry Mortgage. Buyer is not required to use the AMG Team to submit or have an offer accepted; however, use of the AMG Team is required to qualify for the lender credit. Restrictions apply.

18. 2026-01-15
    listed $129,900 Active 1023-char remark

    Show marketing remark (1023 chars)

    Welcome to this four-bedroom, one-and-a-half bath home in a convenient Pottsville location. The property offers a straightforward layout and a solid foundation for any buyer looking to bring their own ideas to life. It’s a practical option for first-time homebuyers, experienced buyers, or investors seeking their next project or rental opportunity. You'll find nearby access to local amenities, schools, and major routes, making day-to-day living easy. With some updates and personal touches, this home can become a comfortable residence or a dependable addition to your portfolio. A good opportunity at an affordable price—schedule your showing today. Property qualifies for a lender credit of up to 1% of the purchase price toward buyer’s closing costs or interest rate buydowns when using the AMG Team of CrossCountry Mortgage. Buyer is not required to use the AMG Team to submit or have an offer accepted; however, use of the AMG Team is required to qualify for the lender credit. Restrictions apply.

19. 2024-07-16
    soldstatus $85,000
20. 2024-06-26
    soldstatus $85,000 Closed 487-char remark

    Show marketing remark (487 chars)

    Enter into the front foyer and you cant help but notice the inviting living room/tv room which leads to the formal dining room with access to the 2nd floor. Large kitchen with laundry room with folding area and utility sink, and half bath. Three bedrooms on second floor each with closet one with a balcony. Full tile bath with shower tub combination. Attic is finished for extra space. Sellers are adding some final touches to be sure to impress for first showing date of May 20, 2024.

21. 2024-06-18
    status Pending 487-char remark

    Show marketing remark (487 chars)

    Enter into the front foyer and you cant help but notice the inviting living room/tv room which leads to the formal dining room with access to the 2nd floor. Large kitchen with laundry room with folding area and utility sink, and half bath. Three bedrooms on second floor each with closet one with a balcony. Full tile bath with shower tub combination. Attic is finished for extra space. Sellers are adding some final touches to be sure to impress for first showing date of May 20, 2024.

22. 2024-06-14
    price $95,000 487-char remark

    Show marketing remark (487 chars)

    Enter into the front foyer and you cant help but notice the inviting living room/tv room which leads to the formal dining room with access to the 2nd floor. Large kitchen with laundry room with folding area and utility sink, and half bath. Three bedrooms on second floor each with closet one with a balcony. Full tile bath with shower tub combination. Attic is finished for extra space. Sellers are adding some final touches to be sure to impress for first showing date of May 20, 2024.

23. 2024-05-20
    listed $99,800 Active 487-char remark

    Show marketing remark (487 chars)

    Enter into the front foyer and you cant help but notice the inviting living room/tv room which leads to the formal dining room with access to the 2nd floor. Large kitchen with laundry room with folding area and utility sink, and half bath. Three bedrooms on second floor each with closet one with a balcony. Full tile bath with shower tub combination. Attic is finished for extra space. Sellers are adding some final touches to be sure to impress for first showing date of May 20, 2024.

24. 2024-05-09
    historical $99,800 487-char remark

    Show marketing remark (487 chars)

    Enter into the front foyer and you cant help but notice the inviting living room/tv room which leads to the formal dining room with access to the 2nd floor. Large kitchen with laundry room with folding area and utility sink, and half bath. Three bedrooms on second floor each with closet one with a balcony. Full tile bath with shower tub combination. Attic is finished for extra space. Sellers are adding some final touches to be sure to impress for first showing date of May 20, 2024.

25. 2020-09-11
    soldstatus $42,800 Closed
26. 2020-08-31
    status Pending
27. 2020-08-15
    listed $45,900 Active
28. 2009-07-22
    soldstatus $48,000
29. 2009-07-17
    soldstatus $20,000
30. 2009-06-11
    historical
31. 2009-06-08
    listed $25,000
32. 1997-03-27
    soldstatus $75,000

ⓘ 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: $1,261 · $105/mo
• Projected year-2 tax: $1,617 · $135/mo
• Expected delta: +$356/yr (+$30/mo · 28.2%)

ⓘ 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 · 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: $15,941
• − Mortgage interest: −$6,996
• − Property taxes: −$1,261
• − Insurance: −$624
• − Repairs & maintenance: −$1,275
• − Management: −$1,275
• − Depreciation: −$3,633
• Taxable income: $875
• Est. tax owed @ 24.0%: −$210
• After-tax cash flow: $2,638/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

+66.5% since first listed

16 events — show timeline

• 2026-03-30 Price Changed $124,900 BRIGHT MLS
• 2026-01-15 Listed $129,900 BRIGHT MLS
• 2024-07-16 Sold (Public Records) $85,000 Public Records
• 2024-06-26 Sold (MLS) $85,000 BRIGHT MLS
• 2024-06-18 Pending — BRIGHT MLS
• 2024-06-14 Price Changed $95,000 BRIGHT MLS
• 2024-05-20 Listed $99,800 BRIGHT MLS
• 2024-05-09 Coming Soon $99,800 BRIGHT MLS
• 2020-09-11 Sold (MLS) $42,800 BRIGHT MLS
• 2020-08-31 Pending — BRIGHT MLS
• 2020-08-15 Listed $45,900 BRIGHT MLS
• 2009-07-22 Sold (Public Records) $48,000 Public Records
• 2009-07-17 Sold (MLS) $20,000 BRIGHT MLS
• 2009-06-11 Listing Removed — BRIGHT MLS
• 2009-06-08 Listed $25,000 BRIGHT MLS
• 1997-03-27 Sold (Public Records) $75,000 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,261 · +8.6% YoY. Source: county tax records.