1501 Main St · Gilberton, PA 17934

$25,000

4 bd · 1.0 ba · 2,070 sqft · SingleFamily public records · 4 Days on market

Built 1900 9,148 sqft lot ↓ 16% since listing

---

Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Appreciation +5.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0

Listing remarks

* * Multiple offers received, best and final offers requested by Thursday May 14, 2026 by 6pm. * * Opportunity awaits with this spacious 4-6 bedroom home in Gilberton offering approximately 2,500 sq ft of living space on a 0.21-acre lot. The main level features a large living/family room, first-floor laundry area, and access to an additional approx 500 sq ft covered rear patio. The second floor offers 4 bedrooms with up to 2 additional rooms on the third floor that could be used as bedrooms, office space, storage, or hobby rooms. Off-street parking and a spacious yard add to the property’s potential. Conveniently located near Routes 54, 61, and I-81 with close proximity to parks, s

Key facts

• Spacious yard
• Off street parking
• Covered rear patio

Tags

• COVERED REAR PATIO
• FIRST FLOOR LAUNDRY AREA
• OFF STREET PARKING
• SPACIOUS YARD
• NEAR PARKS
• NEAR STATE GAME LANDS

Property features AI

Exterior

• Parking: Off-street parking (grassy area on left side of house)
• Utilities: Public water; Public sewer
• Home design: Detached property; Fee simple ownership
• Construction: Stick-built construction; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Not in a federal flood zone; Lot dimensions approximately 61 x 150

Interior

• Bedrooms: Four bedrooms on the first upper level; Two bedrooms on the second upper level
• Bathrooms: One full bathroom on the main level; One full bathroom total
• Heating & cooling: Hot water heating; Oil-fired heating
• Interior features: Estimated living area; Full basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $25k.

Deal economics

• At list price, monthly cash flow is $823 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $25k).

Location & tenants

• Location reads 59/100 on livability (#1,531 in PA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, health & safety A+, housing A-; Watch: crime D+, schools F, amenities 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: 3 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 $923 of equity ($173 loan paydown + $750 appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $7k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 3.9% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $25,000

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 5.29% ✓
• Cap rate: 45.79%
• Cash-on-cash: 141.07%
• DSCR: 7.28
• GRM: 1.6

CMA / ARV

• ARV (on-the-fly): $165,600
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
124 N Railroad Ave	0.71mi	3/1.0 (-1)	2,191 (+6%)	6mo	$175,000	$80	47
136 N Broad Mountain Ave	0.65mi	5/1.5 (+1)	1,908 (-8%)	13mo	$90,000	$47	38
119 E Spring St	0.72mi	3/1.5 (-1)	1,850 (-11%)	9mo	$169,000	$91	34

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 8.93×
• Total profit: $55,475
• Equity at exit: $11,241

10-year hold

• IRR: —
• Equity multiple: 18.73×
• Total profit: $124,104
• Equity at exit: $17,324

Cash invested: $7,000 (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 17934

• Active inventory: 3
• Price-to-rent: 1.6×

Monthly cashflow live

• Estimated rent: $1,323 medium
• Mortgage (P&I): −$131
• Tax from tax record: −$81 /mo · $969/yr
• Insurance: −$10
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $823

Break-even live

Break-even rent $281

Max offer price $25,000

Occupancy floor 33%

Sensitivity live

Price	-10% $837	-5% $830	+0% $823	+5% $816	+10% $809
Rent	-10% $718	-5% $771	+0% $823	+5% $875	+10% $927
Rate	-1.0pp $836	-0.5pp $829	base $823	+0.5pp $816	+1.0pp $810

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: $6,250
• Closing costs: $750
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-05-15
   status Pending
2. 2026-05-14
   historical
3. 2026-05-10
   listed $25,000 Active
4. 2005-08-09
   soldstatus $29,900

ⓘ 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: $969 · $81/mo
• Projected year-2 tax: $969 · $81/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 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $15,877
• − Mortgage interest: −$1,400
• − Property taxes: −$969
• − Insurance: −$125
• − Repairs & maintenance: −$1,270
• − Management: −$1,270
• − Depreciation: −$727
• Taxable income: $10,115
• Est. tax owed @ 24.0%: −$2,428
• After-tax cash flow: $7,448/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 — Gilberton

• Score: 59/100
• State rank: #1531
• US rank: #20085

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gilberton, PA
• City population: 585
• Population (ZIP): 442

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 20% Two or more races 8%
• Hispanic origin (detail): Mexican 7% Cuban 1% Dominican 11%
• Common ancestry: Romanian 18% Subsaharan African 7% Lithuanian 3%
• Foreign-born: 5% · Canada
• Languages at home: 89% English-only · Spanish 11%

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: —
• Current HPI: —
• 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

-16.4% since first listed

4 events — show timeline

• 2026-05-15 Pending — BRIGHT MLS
• 2026-05-14 Listing Removed — BRIGHT MLS
• 2026-05-10 Listed $25,000 BRIGHT MLS
• 2005-08-09 Sold (Public Records) $29,900 Public Records

Property tax history

+2.5%/yr

Latest (2025): $969 · +6.7% YoY. Source: county tax records.