1419 Market St · Mahanoy City, PA 17948

$110,000

3 bd · 1.0 ba · 1,363 sqft · SingleFamily public records · 101 Days on market

Built 1900 819 sqft lot $81/sqft · 142% above area

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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 +27.3/30.0
• DSCR +9.5/10.0
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• 1% rule +6.8/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0

Listing remarks MLS

Recently Renovated semi detached house on quiet Street in Mahanoy City PA, come take a look at this charming home. Great for first time home buyers or investors, one and a half bath, three bedrooms and a great size attic to expand. Only 20 minutes from Hazleton and close to distribution centers

Key facts

• Quiet street
• Recently renovated
• Great size attic

Tags

• RECENTLY RENOVATED
• QUIET STREET
• GREAT SIZE ATTIC
• CLOSE TO DISTRIBUTION CENTERS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $264 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $100k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#1,129 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools F, crime F, commute F.
• Mahanoy Area SD (town): math 11% / reading 30% proficiency, ranked #494 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 43 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 $5k of equity ($761 loan paydown + $4k appreciation (3.9% 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 (3.9% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 101 days — a 9% lower offer ($100k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $57k; list at $110k implies a 93% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $100,100 (9.0% below list)

Questions for the listing agent

1. It's been on market 101 days. Have you received any prior offers? Is the seller open to a 9% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.18% ✓
• Cap rate: 9.78%
• Cash-on-cash: 12.46%
• DSCR: 1.55
• GRM: 7.1

CMA / ARV

• ARV (median comp): $45,451
• List price: $110,000
• Delta: 142.02%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1004 E Pine St	0.24mi	2/1.5 (-1)	1,354 (-1%)	20mo	$85,000	$63	64
1238 Market St	0.09mi	3/1.5	1,215 (-11%)	18mo	$47,000	$39	60
203 Mahanoy St	0.68mi	2/1.0 (-1)	1,200 (-12%)	9mo	$35,000	$29	36

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

Projected returns pro-forma

3.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.4%
• Equity multiple: 2.16×
• Total profit: $35,681
• Equity at exit: $55,391

10-year hold

• IRR: 19.9%
• Equity multiple: 4.14×
• Total profit: $96,855
• Equity at exit: $90,295

Cash invested: $30,800 (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 17948

• Home prices YoY: 1.7%
• Active inventory: 43
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$84 /mo · $1,014/yr
• Insurance: −$46
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $264

Break-even live

Break-even rent $965

Max offer price $110,000

Occupancy floor 75%

Sensitivity live

Price	-10% $327	-5% $295	+0% $264	+5% $233	+10% $202
Rent	-10% $162	-5% $213	+0% $264	+5% $316	+10% $367
Rate	-1.0pp $320	-0.5pp $292	base $264	+0.5pp $236	+1.0pp $207

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
324 E Market St Mahanoy City, PA	3.0	1.5	1314	$1,300	$0.99	44d	1	0.59mi

Listing history 26 events

1. 2026-06-21
   days on market $110,000 Active 101 DOM
2. 2026-06-18
   days on market $110,000 Active 99 DOM
3. 2026-06-17
   days on market $110,000 Active 98 DOM
4. 2026-06-16
   days on market $110,000 Active 97 DOM
5. 2026-06-15
   days on market $110,000 Active 96 DOM
6. 2026-06-13
   days on market $110,000 Active 94 DOM
7. 2026-06-12
   days on market $110,000 Active 93 DOM
8. 2026-06-09
   days on market $110,000 Active 90 DOM
9. 2026-06-08
   days on market $110,000 Active 89 DOM
10. 2026-06-08
    days on market $110,000 Active 88 DOM
11. 2026-06-07
    days on market $110,000 Active 87 DOM
12. 2026-06-04
    days on market $110,000 Active 84 DOM
13. 2026-06-02
    days on market $110,000 Active 83 DOM
14. 2026-06-01
    days on market $110,000 Active 82 DOM
15. 2026-05-31
    days on market $110,000 Active 81 DOM
16. 2026-03-10
    listed $120,000 Active 295-char remark

    Show marketing remark (295 chars)

    Recently Renovated semi detached house on quiet Street in Mahanoy City PA, come take a look at this charming home. Great for first time home buyers or investors, one and a half bath, three bedrooms and a great size attic to expand. Only 20 minutes from Hazleton and close to distribution centers

17. 2025-10-24
    soldstatus $57,000
18. 2025-10-23
    soldstatus $57,000 Closed 444-char remark

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

19. 2025-10-23
    soldstatus $57,000 Closed

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

20. 2025-10-23
    soldstatus $57,000 Closed

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

21. 2025-10-03
    status Pending

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

22. 2025-10-03
    status Pending

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

23. 2025-10-03
    status Pending 444-char remark

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

24. 2025-09-25
    listed $65,000 Active
25. 2025-09-24
    listed $65,000 Active
26. 2025-09-23
    listed $65,000 Active 444-char remark

    Show marketing remark (444 chars)

    This well-cared for home will have you at hello upon opening the front door! The electric crackling fireplace in your living room gives off ambiance and warmth. The 20-handle eat in kitchen has appliances and a dedicated pantry. The second floor offers three nice sized bedrooms and full bath. Level 3 has plenty more storage. Affixed on a cul-de-sac typically provides a low-traffic area. Homes aren't just houses-they're part of our stories.

ⓘ 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: $1,014 · $84/mo
• Projected year-2 tax: $1,376 · $115/mo
• Expected delta: +$362/yr (+$30/mo · 35.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $15,600
• − Mortgage interest: −$6,162
• − Property taxes: −$1,014
• − Insurance: −$1,216
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − Depreciation: −$3,200
• Taxable income: $1,512
• Est. tax owed @ 24.0%: −$363
• After-tax cash flow: $2,809/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: Mahanoy Area SD
• NCES district ID: 4214430
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 30% ▼ -13.00%
• Median HH income: $36,347
• Composite: 16.95/100
• National rank: #9136
• State rank: #494 of 539 in PA

Livability — Mahanoy City

• Score: 65/100
• State rank: #1129
• US rank: #12973

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mahanoy City, PA
• Population (ZIP): 4,124

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 (81%)
• Race & ethnicity: White 81% Hispanic / Latino 15% Two or more races 9%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Dominican 8%
• Common ancestry: Romanian 9% Iranian 3% Hungarian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 11% Arabic 2%

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: ▲ 3.94%
• Current HPI: 234.7484
• 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

+84.6% since first listed

11 events — show timeline

• 2026-03-10 Listed $120,000 LCAR
• 2025-10-24 Sold (Public Records) $57,000 Public Records
• 2025-10-23 Sold (MLS) $57,000 PMAR
• 2025-10-23 Sold (MLS) $57,000 GLVRMLS
• 2025-10-23 Sold (MLS) $57,000 BRIGHT MLS
• 2025-10-03 Pending — PMAR
• 2025-10-03 Pending — GLVRMLS
• 2025-10-03 Pending — BRIGHT MLS
• 2025-09-25 Listed $65,000 PMAR
• 2025-09-24 Listed $65,000 GLVRMLS
• 2025-09-23 Listed $65,000 BRIGHT MLS

Property tax history

+1.8%/yr

Latest (2025): $1,014 · +5.7% YoY. Source: county tax records.