418 Laurel St · Minersville, PA 17954

$72,900

3 bd · 1.0 ba · 1,235 sqft · Townhouse public records · 17 Days on market

Built 1924 1,742 sqft lot Est $79k · 8% under

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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
• ARV discount +11.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +7.3/10.0
• Livability +3.5/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Value and potential await in this 3-bedroom, 1-bath Minersville twin home. The main floor features a front covered porch, a combination living and dining room, an eat-in kitchen, and a rear enclosed patio that opens to a small yard. The second floor offers three private bedrooms and a full bath, while the attic and basement provide additional storage space. Heated by propane, this property is packed with potential for investors or DIY buyers looking to build equity. The home is being sold strictly as-is, and cash or strong conventional financing is preferred. Bring your tools, bring your vision, and call today to schedule a showing.

Key facts

• Front covered porch
• Rear enclosed patio
• Private bedrooms

Tags

• FRONT COVERED PORCH
• EAT-IN KITCHEN
• REAR ENCLOSED PATIO
• PRIVATE BEDROOMS
• FULL BATH
• ADDITIONAL STORAGE SPACE

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric service
• Home design: Semi-detached property; Fee simple ownership; Estimated year built
• Construction: Aluminum siding; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Sidewalks; Street lights; Community pool

Interior

• Kitchen: Eat-in kitchen; Kitchen with table space
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom (all upper levels)
• Heating & cooling: Propane (leased) heating; Wall and window air conditioning units; Electric cooling fuel
• Interior features: Attic; Tub/shower; Combination dining and living area; Traditional floor plan; Eat-in kitchen; Kitchen with table space; Full basement
• Laundry & utility: Electric hot water

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $73k.

Deal economics

• At list price, monthly cash flow is $347 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $73k).
• Recommended offer: $72k (1.5% below list) — sets the bar for market timing.
• Cap rate 12.9% vs local median 8.0% in Minersville — 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 70/100 on livability (#742 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime A; Watch: schools C-, commute F, employment F.
• Minersville Area SD (town): math 21% / reading 50% proficiency, ranked #420 of 539 in PA (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 38 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 $4k of equity ($504 loan paydown + $3k appreciation (4.7% 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 (4.7% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($72k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $8k; list at $73k implies a 811% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1924 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $71,806 (1.5% below list)

Questions for the listing agent

1. Built in 1924 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.58% ✓
• Cap rate: 12.93%
• Cash-on-cash: 23.69%
• DSCR: 2.05
• GRM: 5.3

CMA / ARV

• ARV (on-the-fly): $79,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
528 Lytle St	0.18mi	3/1.0	1,176 (-5%)	4mo	$120,000	$102	80
206 Oak St	0.18mi	3/1.0	1,200 (-3%)	10mo	$82,500	$69	79
115 S 3rd St	0.19mi	3/1.0	1,350 (+9%)	1mo	$32,500	$24	75
444 Lewis St	0.35mi	3/1.0	1,158 (-6%)	4mo	$45,000	$39	70
141 Carbon St	0.40mi	3/1.0	1,163 (-6%)	5mo	$42,000	$36	68
325 New Castle St	0.45mi	3/1.0	1,320 (+7%)	2mo	$68,000	$52	66
428 North St	0.38mi	3/1.5	1,307 (+6%)	6mo	$46,500	$36	66
513 Pottsville	0.25mi	2/1.0 (-1)	1,150 (-7%)	11mo	$45,000	$39	63
220 North St	0.37mi	3/1.0	1,100 (-11%)	6mo	$93,000	$85	59
235 S 4th St	0.20mi	4/1.0 (+1)	1,420 (+15%)	6mo	$139,900	$99	56
466 N North St	0.40mi	4/1.5 (+1)	1,400 (+13%)	1mo	$90,000	$64	52
311 Pine St	0.42mi	4/1.5 (+1)	1,404 (+14%)	1mo	$170,000	$121	50

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

Projected returns pro-forma

4.65% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.0%
• Equity multiple: 2.84×
• Total profit: $37,544
• Equity at exit: $39,777

10-year hold

• IRR: 29.0%
• Equity multiple: 5.66×
• Total profit: $95,185
• Equity at exit: $67,414

Cash invested: $20,412 (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 17954

• Home prices YoY: 2.3%
• Active inventory: 38
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,150 medium
• Mortgage (P&I): −$382
• Tax from tax record: −$93 /mo · $1,114/yr
• Insurance: −$30
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $347

Break-even live

Break-even rent $710

Max offer price $72,900

Occupancy floor 65%

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: $18,225
• Closing costs: $2,187
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
504 Laurel St Minersville, PA	3.0	2.0	1059	$1,150	$1.09	44d	1	0.10mi

Listing history 13 events

1. 2026-06-19
   days on market $72,900 Active 17 DOM
2. 2026-06-18
   days on market $72,900 Active 16 DOM
3. 2026-06-17
   days on market $72,900 Active 15 DOM
4. 2026-06-16
   days on market $72,900 Active 14 DOM
5. 2026-06-15
   days on market $72,900 Active 13 DOM
6. 2026-06-14
   days on market $72,900 Active 11 DOM
7. 2026-06-12
   days on market $72,900 Active 10 DOM
8. 2026-06-09
   days on market $72,900 Active 7 DOM
9. 2026-06-08
   days on market $72,900 Active 6 DOM
10. 2026-06-07
    days on market $72,900 Active 5 DOM
11. 2026-06-07
    days on market $72,900 Active 4 DOM
12. 2026-06-02
    remarks 640-char remark
13. 2026-06-02
    listed $72,900 Active 1 DOM

ⓘ 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: $1,114 · $93/mo
• Projected year-2 tax: $1,133 · $94/mo
• Expected delta: +$19/yr (+$2/mo · 1.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,800
• − Mortgage interest: −$4,084
• − Property taxes: −$1,114
• − Insurance: −$1,031
• − Repairs & maintenance: −$1,104
• − Management: −$1,104
• − Depreciation: −$2,121
• Taxable income: $3,243
• Est. tax owed @ 24.0%: −$778
• After-tax cash flow: $3,391/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: Minersville Area SD
• NCES district ID: 4215510
• Math proficiency: 21% ▼ -12.00%
• Reading proficiency: 50% ▼ -8.00%
• Median HH income: $40,865
• Composite: 29.77/100
• National rank: #6433
• State rank: #420 of 539 in PA

Livability — Minersville

• Score: 70/100
• State rank: #742
• US rank: #7439

Category grades

Amenities B- 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: Minersville, PA
• City population: 27,121
• Population (ZIP): 4,564

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% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 11%
• Common ancestry: Polish 5% Romanian 5% Subsaharan African 4%
• Foreign-born: 3% · Canada, China
• Languages at home: 97% English-only · Spanish 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: ▲ 4.65%
• Current HPI: 209.7647
• 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

+386.0% since first listed

3 events — show timeline

• 2026-06-02 Listed $72,900 BRIGHT MLS
• 2015-10-23 Sold (Public Records) $8,000 Public Records
• 2008-02-15 Sold (Public Records) $15,000 Public Records

Property tax history

+2.7%/yr

Latest (2025): $1,114 · +5.6% YoY. Source: county tax records.