1132 / 1134 Pine St · Ashland, PA 17921

$99,900

5 bd · 1.0 ba · 1,694 sqft · Townhouse public records · 66 Days on market

Built 1926 3,485 sqft lot $59/sqft · 47% above area Est $70k · 43% over

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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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.9/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Discover a prime investment opportunity in the heart of the ASHLAND with this charming 3-bedroom, 1-bathroom townhouse, built in 1926. This property, featuring a classic side-by-side architectural style and durable aluminum siding, presents a unique blend of historical character and modern potential. With a compact lot size of 0.08 acres, this interior row townhouse is designed for efficient living, making it an attractive option for renters seeking convenience and comfort. The property includes a personal pool, enhancing its appeal and potential rental value, particularly in warmer months. The partial dirt floor basement offers additional storage or the possibility for creative renovations, allowing investors to increase the property's value through strategic improvements. On-street parking provides easy access for tenants, while the absence of an association fee allows for greater profit margins. The property's location within a well-established neighborhood ensures a steady demand for rental units, making it an ideal addition to any investment portfolio. This townhouse not only promises potential cash flow but also offers the opportunity for appreciation in a growing market. With the right management and minor enhancements, this property can yield significant returns. Seize this chance to invest in a property with both immediate and long-term financial benefits.

Key facts

• On-street parking
• Personal pool
• Pool

Tags

• PERSONAL POOL
• ON-STREET PARKING
• WELL-ESTABLISHED NEIGHBORHOOD

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath townhouse listed at $100k.

Deal economics

• At list price, monthly cash flow is $381 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $94k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#1,179 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 48 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($691 loan paydown + $10k 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 $28k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 66 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $32k; list at $100k implies a 212% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $93,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.39% ✓
• Cap rate: 10.87%
• Cash-on-cash: 16.34%
• DSCR: 1.73
• GRM: 6.0

CMA / ARV

• ARV (median comp): $70,081
• List price: $99,900
• Delta: 42.55%
• 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
1805 Centre St	0.37mi	5/1.0	1,600 (-6%)	16mo	$95,000	$59	60
222 W Centre St	0.51mi	4/1.5 (-1)	1,653 (-2%)	7mo	$43,000	$26	60
100 W Walnut St	0.57mi	4/1.5 (-1)	1,508 (-11%)	12mo	$104,900	$70	38

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: 36.4%
• Equity multiple: 3.81×
• Total profit: $78,695
• Equity at exit: $89,998

10-year hold

• IRR: 31.3%
• Equity multiple: 8.61×
• Total profit: $212,740
• Equity at exit: $194,084

Cash invested: $27,972 (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 17921

• Home prices YoY: 21.7%
• Active inventory: 48
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,384 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$147 /mo · $1,768/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $381

Break-even live

Break-even rent $902

Max offer price $99,900

Occupancy floor 67%

Sensitivity live

Price	-10% $437	-5% $409	+0% $381	+5% $352	+10% $324
Rent	-10% $271	-5% $326	+0% $381	+5% $435	+10% $490
Rate	-1.0pp $431	-0.5pp $406	base $381	+0.5pp $355	+1.0pp $329

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-19
   days on market $99,900 Active 66 DOM
2. 2026-06-18
   days on market $99,900 Active 65 DOM
3. 2026-06-17
   days on market $99,900 Active 64 DOM
4. 2026-06-16
   days on market $99,900 Active 63 DOM
5. 2026-06-15
   days on market $99,900 Active 62 DOM
6. 2026-06-14
   pricedays on market $99,900 Active 60 DOM
7. 2026-06-12
   days on market $110,000 Active 59 DOM
8. 2026-06-09
   days on market $110,000 Active 56 DOM
9. 2026-06-08
   days on market $110,000 Active 55 DOM
10. 2026-06-07
    days on market $110,000 Active 54 DOM
11. 2026-06-07
    days on market $110,000 Active 53 DOM
12. 2026-06-04
    days on market $110,000 Active 50 DOM
13. 2026-06-02
    days on market $110,000 Active 49 DOM
14. 2026-06-01
    days on market $110,000 Active 48 DOM
15. 2026-05-31
    days on market $110,000 Active 47 DOM
16. 2026-05-31
    days on market $110,000 Active 46 DOM
17. 2026-05-07
    price $120,000 1387-char remark

    Show marketing remark (1387 chars)

    Discover a prime investment opportunity in the heart of the ASHLAND with this charming 3-bedroom, 1-bathroom townhouse, built in 1926. This property, featuring a classic side-by-side architectural style and durable aluminum siding, presents a unique blend of historical character and modern potential. With a compact lot size of 0.08 acres, this interior row townhouse is designed for efficient living, making it an attractive option for renters seeking convenience and comfort. The property includes a personal pool, enhancing its appeal and potential rental value, particularly in warmer months. The partial dirt floor basement offers additional storage or the possibility for creative renovations, allowing investors to increase the property's value through strategic improvements. On-street parking provides easy access for tenants, while the absence of an association fee allows for greater profit margins. The property's location within a well-established neighborhood ensures a steady demand for rental units, making it an ideal addition to any investment portfolio. This townhouse not only promises potential cash flow but also offers the opportunity for appreciation in a growing market. With the right management and minor enhancements, this property can yield significant returns. Seize this chance to invest in a property with both immediate and long-term financial benefits.

18. 2026-04-14
    listed $125,000 Active 1387-char remark

    Show marketing remark (1387 chars)

    Discover a prime investment opportunity in the heart of the ASHLAND with this charming 3-bedroom, 1-bathroom townhouse, built in 1926. This property, featuring a classic side-by-side architectural style and durable aluminum siding, presents a unique blend of historical character and modern potential. With a compact lot size of 0.08 acres, this interior row townhouse is designed for efficient living, making it an attractive option for renters seeking convenience and comfort. The property includes a personal pool, enhancing its appeal and potential rental value, particularly in warmer months. The partial dirt floor basement offers additional storage or the possibility for creative renovations, allowing investors to increase the property's value through strategic improvements. On-street parking provides easy access for tenants, while the absence of an association fee allows for greater profit margins. The property's location within a well-established neighborhood ensures a steady demand for rental units, making it an ideal addition to any investment portfolio. This townhouse not only promises potential cash flow but also offers the opportunity for appreciation in a growing market. With the right management and minor enhancements, this property can yield significant returns. Seize this chance to invest in a property with both immediate and long-term financial benefits.

19. 1996-08-15
    soldstatus $32,000

ⓘ 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: $1,768 · $147/mo
• Projected year-2 tax: $1,768 · $147/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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% 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: $16,612
• − Mortgage interest: −$5,596
• − Property taxes: −$1,768
• − Insurance: −$500
• − Repairs & maintenance: −$1,329
• − Management: −$1,329
• − Depreciation: −$2,906
• Taxable income: $3,184
• Est. tax owed @ 24.0%: −$764
• After-tax cash flow: $3,805/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Ashland

• Score: 64/100
• State rank: #1179
• US rank: #13787

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ashland, PA
• Population (ZIP): 7,029

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 (83%)
• Race & ethnicity: White 83% Black 10% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 10% Iranian 4% Polish 3%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 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: ▲ 62.11%
• Current HPI: 347.8425
• 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

+275.0% since first listed

3 events — show timeline

• 2026-05-07 Price Changed $120,000 BRIGHT MLS
• 2026-04-14 Listed $125,000 BRIGHT MLS
• 1996-08-15 Sold (Public Records) $32,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $1,768 · +5.3% YoY. Source: county tax records.