622 Mahantongo St · Pottsville, PA 17901

$110,000

4 bd · 2.0 ba · 2,530 sqft · Townhouse public records · 78 Days on market

Built 1901 6,534 sqft lot $43/sqft · at area comps Est $111k · at est.

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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
• 1% rule +9.0/10.0
• ARV discount +7.9/15.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your next big project! This spacious six-bedroom, two-bathroom home is hitting the market and ready for someone with vision to make it shine again. Sitting pretty on one of Pottsville's most well-known streets, this house has the kind of bones that builders and investors dream about. We're talking original woodwork that tells the story of an era when craftsmen actually took their time. Think of it as a blank canvas. Six bedrooms mean you've got options for days. Turn it into a stunning single-family home, convert it into a rental property, or create something entirely unique. The endless potential here is really only limited by your imagination and maybe your contractor's schedule. The neighborhood is a huge bonus too. Mahantongo Street has long been considered one of the most charming corridors in Schuylkill County, lined with beautiful historic homes and mature trees. You're close to downtown shops, restaurants, and everything Pottsville has to offer. It's the kind of street people slow down to admire. For investors looking to add to their portfolio, this one checks all the boxes. Great location and plenty of room to build equity through thoughtful renovation. Properties like this don't pop up every day in this part of town. Grab your tape measure and your imagination, and come take a look before someone else beats you to it!

Key facts

• Historic homes
• Original woodwork
• Mature trees

Tags

• ORIGINAL WOODWORK
• HISTORIC HOMES
• MATURE TREES

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath townhouse listed at $110k.

Deal economics

• At list price, monthly cash flow is $554 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $103k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.3% 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; 3 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 $761 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 $31k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 78 days — a 6% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 10y ago; 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 $70k; list at $110k implies a 57% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1901 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $103,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 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 1901 — 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 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?
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: 1.40% ✓
• Cap rate: 12.34%
• Cash-on-cash: 21.60%
• DSCR: 1.96
• GRM: 6.0

CMA / ARV

• ARV (median comp): $111,000
• List price: $110,000
• Delta: -0.90%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
610 W Race St	0.23mi	5/1.0 (+1)	2,566 (+1%)	1mo	$55,700	$22	77
1325 W Norwegian St	0.42mi	5/1.5 (+1)	2,459 (-3%)	11mo	$148,000	$60	59
400 W Arch St	0.21mi	4/2.0	2,271 (-10%)	19mo	$130,000	$57	57
518 Pierce St	0.15mi	4/1.5	2,176 (-14%)	13mo	$60,000	$28	57
1344 W Norwegian St	0.46mi	5/1.5 (+1)	2,154 (-15%)	2mo	$100,000	$46	45
1326 W Norwegian St	0.42mi	3/1.5 (-1)	2,178 (-14%)	23mo	$142,000	$65	31

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: 17.0%
• Equity multiple: 1.71×
• Total profit: $21,731
• Equity at exit: $16,401

10-year hold

• IRR: 27.2%
• Equity multiple: 3.69×
• Total profit: $82,835
• Equity at exit: $9,511

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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,538 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$38 /mo · $455/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $554

Break-even live

Break-even rent $836

Max offer price $110,000

Occupancy floor 59%

Sensitivity live

Price	-10% $617	-5% $585	+0% $554	+5% $523	+10% $492
Rent	-10% $433	-5% $494	+0% $554	+5% $615	+10% $676
Rate	-1.0pp $610	-0.5pp $582	base $554	+0.5pp $526	+1.0pp $497

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 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
517 W Norwegian St Pottsville, PA	5.0	1.5	2006	$1,500	$0.75	44d	1	0.10mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	44d	1	0.19mi
1344 W Norwegian St Unit NA Pottsville, PA	5.0	2.0	2500	$1,600	$0.64	44d	1	0.42mi

Listing history 42 events

1. 2026-06-19
   days on market $110,000 Active 78 DOM
2. 2026-06-18
   days on market $110,000 Active 77 DOM
3. 2026-06-17
   days on market $110,000 Active 76 DOM
4. 2026-06-16
   days on market $110,000 Active 75 DOM
5. 2026-06-15
   days on market $110,000 Active 74 DOM
6. 2026-06-14
   days on market $110,000 Active 72 DOM
7. 2026-06-12
   days on market $110,000 Active 71 DOM
8. 2026-06-09
   days on market $110,000 Active 68 DOM
9. 2026-06-08
   days on market $110,000 Active 67 DOM
10. 2026-06-07
    days on market $110,000 Active 66 DOM
11. 2026-06-07
    days on market $110,000 Active 65 DOM
12. 2026-06-04
    days on market $110,000 Active 62 DOM
13. 2026-06-02
    days on market $110,000 Active 61 DOM
14. 2026-06-01
    days on market $110,000 Active 60 DOM
15. 2026-05-31
    days on market $110,000 Active 59 DOM
16. 2026-05-31
    days on market $110,000 Active 58 DOM
17. 2026-05-14
    price $110,000 1360-char remark

    Show marketing remark (1360 chars)

    Welcome to your next big project! This spacious six-bedroom, two-bathroom home is hitting the market and ready for someone with vision to make it shine again. Sitting pretty on one of Pottsville's most well-known streets, this house has the kind of bones that builders and investors dream about. We're talking original woodwork that tells the story of an era when craftsmen actually took their time. Think of it as a blank canvas. Six bedrooms mean you've got options for days. Turn it into a stunning single-family home, convert it into a rental property, or create something entirely unique. The endless potential here is really only limited by your imagination and maybe your contractor's schedule. The neighborhood is a huge bonus too. Mahantongo Street has long been considered one of the most charming corridors in Schuylkill County, lined with beautiful historic homes and mature trees. You're close to downtown shops, restaurants, and everything Pottsville has to offer. It's the kind of street people slow down to admire. For investors looking to add to their portfolio, this one checks all the boxes. Great location and plenty of room to build equity through thoughtful renovation. Properties like this don't pop up every day in this part of town. Grab your tape measure and your imagination, and come take a look before someone else beats you to it!

18. 2026-04-02
    listed $120,000 Active 1360-char remark

    Show marketing remark (1352 chars)

    Welcome to your next big project! This spacious five-bedroom, two-bathroom home is hitting the market and ready for someone with vision to make it shine again. Sitting pretty on one of Pottsville's most well-known streets, this house has the kind of bones that builders and investors dream about. We're talking original woodwork that tells the story of an era when craftsmen actually took their time. Think of it as a blank canvas. Five bedrooms mean you've got options for days. Turn it into a stunning single-family home, convert it into a rental, or create something entirely unique. The endless potential here is really only limited by your imagination and maybe your contractor's schedule. The neighborhood is a huge bonus too. Mahantongo Street has long been considered one of the most charming corridors in Schuylkill County, lined with beautiful historic homes and mature trees. You're close to downtown shops, restaurants, and everything Pottsville has to offer. It's the kind of street people slow down to admire. For investors looking to add to their portfolio, this one checks all the boxes. Great location and plenty of room to build equity through thoughtful renovation. Properties like this don't pop up every day in this part of town. Grab your tape measure and your imagination and come take a look before someone else beats you to it!

19. 2026-04-02
    listed $120,000 Active 1352-char remark

    Show marketing remark (1352 chars)

    Welcome to your next big project! This spacious five-bedroom, two-bathroom home is hitting the market and ready for someone with vision to make it shine again. Sitting pretty on one of Pottsville's most well-known streets, this house has the kind of bones that builders and investors dream about. We're talking original woodwork that tells the story of an era when craftsmen actually took their time. Think of it as a blank canvas. Five bedrooms mean you've got options for days. Turn it into a stunning single-family home, convert it into a rental, or create something entirely unique. The endless potential here is really only limited by your imagination and maybe your contractor's schedule. The neighborhood is a huge bonus too. Mahantongo Street has long been considered one of the most charming corridors in Schuylkill County, lined with beautiful historic homes and mature trees. You're close to downtown shops, restaurants, and everything Pottsville has to offer. It's the kind of street people slow down to admire. For investors looking to add to their portfolio, this one checks all the boxes. Great location and plenty of room to build equity through thoughtful renovation. Properties like this don't pop up every day in this part of town. Grab your tape measure and your imagination and come take a look before someone else beats you to it!

20. 2025-09-10
    price $124,000
21. 2025-07-24
    listed $129,000 Active
22. 2024-06-24
    soldstatus $70,000
23. 2024-06-21
    soldstatus $70,000 Closed
24. 2024-05-31
    status Pending
25. 2024-05-26
    status Active
26. 2024-05-25
    status Pending
27. 2024-05-22
    price $74,900
28. 2024-04-30
    listed $79,900 Active
29. 2024-04-12
    historical
30. 2024-04-04
    listed $80,000 Active
31. 2023-05-05
    soldstatus $70,000
32. 2023-04-28
    soldstatus $70,000 Closed
33. 2023-03-16
    status Pending
34. 2023-03-16
    price $70,000
35. 2023-03-01
    price $57,900
36. 2023-02-13
    price $59,900
37. 2023-02-10
    price $64,900
38. 2022-10-18
    price $66,900
39. 2022-09-24
    listed $69,900 Active
40. 2016-12-30
    soldstatus $1,500
41. 2016-12-08
    historical
42. 2016-08-01
    listed $8,900

ⓘ 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: $455 · $38/mo
• Projected year-2 tax: $1,097 · $91/mo
• Expected delta: +$641/yr (+$53/mo · 140.8%)

ⓘ 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 3/10 Moderate
• 🌡 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: $18,454
• − Mortgage interest: −$6,162
• − Property taxes: −$455
• − Insurance: −$550
• − Repairs & maintenance: −$1,476
• − Management: −$1,476
• − Depreciation: −$3,200
• Taxable income: $5,135
• Est. tax owed @ 24.0%: −$1,232
• After-tax cash flow: $5,419/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

+1136.0% since first listed

26 events — show timeline

• 2026-05-14 Price Changed $110,000 PMAR
• 2026-04-02 Listed $120,000 GLVRMLS
• 2026-04-02 Listed $120,000 PMAR
• 2025-09-10 Price Changed $124,000 PMAR
• 2025-07-24 Listed $129,000 PMAR
• 2024-06-24 Sold (Public Records) $70,000 Public Records
• 2024-06-21 Sold (MLS) $70,000 BRIGHT MLS
• 2024-05-31 Pending — BRIGHT MLS
• 2024-05-26 Relisted — BRIGHT MLS
• 2024-05-25 Pending — BRIGHT MLS
• 2024-05-22 Price Changed $74,900 BRIGHT MLS
• 2024-04-30 Listed $79,900 BRIGHT MLS
• 2024-04-12 Listing Removed — BRIGHT MLS
• 2024-04-04 Listed $80,000 BRIGHT MLS
• 2023-05-05 Sold (Public Records) $70,000 Public Records
• 2023-04-28 Sold (MLS) $70,000 BRIGHT MLS
• 2023-03-16 Pending — BRIGHT MLS
• 2023-03-16 Price Changed $70,000 BRIGHT MLS
• 2023-03-01 Price Changed $57,900 BRIGHT MLS
• 2023-02-13 Price Changed $59,900 BRIGHT MLS
• 2023-02-10 Price Changed $64,900 BRIGHT MLS
• 2022-10-18 Price Changed $66,900 BRIGHT MLS
• 2022-09-24 Listed $69,900 BRIGHT MLS
• 2016-12-30 Sold (MLS) $1,500 BRIGHT MLS
• 2016-12-08 Listing Removed — BRIGHT MLS
• 2016-08-01 Listed $8,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $455 · +8.6% YoY. Source: county tax records.