713 N Centre St · Pottsville, PA 17901

$115,000

3 bd · 1.0 ba · 1,335 sqft · SingleFamily public records · 86 Days on market

Built 1917 1,307 sqft lot $86/sqft · 41% above area Est $82k · 41% 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 +26.2/30.0
• DSCR +8.8/10.0
• 1% rule +6.8/10.0
• 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

Looking for a new investment property, or a 1st time home to call your own? This 3 bedroom home on the Northern edge of Pottsville could be yours!! This home has a Traditional layout, consisting of the Living Room, Dining Room, and Kitchen on the 1st floor, and 3 Bedrooms & 1 Bathroom on the 2nd floor! The home's economical, natural gas heat is serviced by a New System (2023). The back yard area used to have a small garage there, so this area could provide Off Street parking once again! With a little TLC and minor cosmetic updates, this could be your new home!!! Call and Schedule your showings today!!!

Key facts

• Off street parking
• Natural gas heat
• Built 1917

Tags

• NATURAL GAS HEAT
• OFF STREET PARKING

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

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 $115k).
• Recommended offer: $108k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.3% 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 $795 of loan paydown is wiped out by about $3k 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 $32k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $90k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1917 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,100 (6.0% below list)

Questions for the listing agent

1. It's been on market 86 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 1917 — 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 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?
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: 1.18% ✓
• Cap rate: 9.34%
• Cash-on-cash: 10.89%
• DSCR: 1.48
• GRM: 7.1

CMA / ARV

• ARV (median comp): $81,613
• List price: $115,000
• Delta: 40.91%
• 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
241 Peacock St	0.24mi	3/1.0	1,242 (-7%)	1mo	$97,000	$78	76
331 E Arch St	0.50mi	3/1.0	1,300 (-3%)	11mo	$80,000	$62	63
901 Fairview St	0.58mi	3/1.0	1,388 (+4%)	5mo	$145,000	$104	62
800 Mine St	0.63mi	3/1.0	1,392 (+4%)	3mo	$35,000	$25	61
210 W Railroad St	0.16mi	3/1.5	1,450 (+9%)	19mo	$180,000	$124	60
105 Mill Creek Ave	0.63mi	3/1.0	1,342 (+0%)	12mo	$85,000	$63	60
939 S Seneca St	0.61mi	3/2.0	1,322 (-1%)	13mo	$205,000	$155	55
607 N 8th St	0.58mi	3/2.0	1,400 (+5%)	10mo	$196,000	$140	52
326 E Race St	0.43mi	3/1.5	1,530 (+15%)	7mo	$90,000	$59	48
414 Front St	0.33mi	4/2.0 (+1)	1,472 (+10%)	19mo	$40,000	$27	42
412 Wheeler St	0.39mi	4/1.0 (+1)	1,526 (+14%)	15mo	$150,000	$98	41
515 Peacock St	0.73mi	3/1.5	1,248 (-6%)	20mo	$160,000	$128	36

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: 0.2%
• Equity multiple: 1.01×
• Total profit: $274
• Equity at exit: $17,147

10-year hold

• IRR: 12.6%
• Equity multiple: 2.13×
• Total profit: $36,245
• Equity at exit: $9,943

Cash invested: $32,200 (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: 7.1×

Monthly cashflow live

• Estimated rent: $1,356 high
• Mortgage (P&I): −$603
• Tax from tax record: −$128 /mo · $1,533/yr
• Insurance: −$48
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $237

Break-even live

Break-even rent $1,056

Max offer price $115,000

Occupancy floor 78%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	43d	1	0.32mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	43d	1	0.34mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	43d	1	0.51mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	43d	1	0.52mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	43d	1	0.54mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	43d	1	0.58mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	43d	1	0.60mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	43d	1	0.65mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	43d	1	0.65mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	43d	1	0.91mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	43d	1	0.98mi
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	43d	1	1.46mi

Listing history 19 events

1. 2026-06-19
   days on market $115,000 Active 86 DOM
2. 2026-06-18
   days on market $115,000 Active 85 DOM
3. 2026-06-17
   days on market $115,000 Active 84 DOM
4. 2026-06-16
   days on market $115,000 Active 83 DOM
5. 2026-06-15
   days on market $115,000 Active 82 DOM
6. 2026-06-14
   days on market $115,000 Active 80 DOM
7. 2026-06-12
   days on market $115,000 Active 79 DOM
8. 2026-06-09
   days on market $115,000 Active 76 DOM
9. 2026-06-08
   days on market $115,000 Active 75 DOM
10. 2026-06-07
    days on market $115,000 Active 74 DOM
11. 2026-06-07
    days on market $115,000 Active 73 DOM
12. 2026-06-04
    days on market $115,000 Active 70 DOM
13. 2026-06-02
    days on market $115,000 Active 69 DOM
14. 2026-06-01
    days on market $115,000 Active 68 DOM
15. 2026-05-31
    days on market $115,000 Active 67 DOM
16. 2026-05-31
    days on market $115,000 Active 66 DOM
17. 2026-03-25
    listed $115,000 Active 620-char remark

    Show marketing remark (620 chars)

    Looking for a new investment property, or a 1st time home to call your own? This 3 bedroom home on the Northern edge of Pottsville could be yours!! This home has a Traditional layout, consisting of the Living Room, Dining Room, and Kitchen on the 1st floor, and 3 Bedrooms & 1 Bathroom on the 2nd floor! The home's economical, natural gas heat is serviced by a New System (2023). The back yard area used to have a small garage there, so this area could provide Off Street parking once again! With a little TLC and minor cosmetic updates, this could be your new home!!! Call and Schedule your showings today!!!

18. 2023-06-12
    soldstatus $90,000
19. 2000-08-29
    soldstatus $39,000

ⓘ 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: $1,533 · $128/mo
• Projected year-2 tax: $1,675 · $140/mo
• Expected delta: +$142/yr (+$12/mo · 9.3%)

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,269
• − Mortgage interest: −$6,442
• − Property taxes: −$1,533
• − Insurance: −$1,242
• − Repairs & maintenance: −$1,302
• − Management: −$1,302
• − Depreciation: −$3,345
• Taxable income: $1,105
• Est. tax owed @ 24.0%: −$265
• After-tax cash flow: $2,576/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

+194.9% since first listed

3 events — show timeline

• 2026-03-25 Listed $115,000 BRIGHT MLS
• 2023-06-12 Sold (Public Records) $90,000 Public Records
• 2000-08-29 Sold (Public Records) $39,000 Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,533 · +8.6% YoY. Source: county tax records.