810 Pine St · Mayfield, PA 18433

$155,000

3 bd · 1.0 ba · 2,046 sqft · SingleFamily · 48 Days on market

Built 1920 4,791 sqft lot $76/sqft · 22% below area Est $198k · 22% under

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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 +17.1/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• 1% rule +4.6/10.0
• Livability +3.9/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large home in need of a little TLC but ready for a new family. 4 Bedrooms ( walkthroughs) and 1 full bath. There is a old 1 car garage w lower level detached but it is in poor condition. Used only as a shed and storage. All information is approximate not warranted or guaranteed.

Key facts

• Spacious kitchen
• Walk-out basement
• Workshop garage

Tags

• SPACIOUS KITCHEN
• BEAUTIFUL BASEMENT
• WALK-OUT BASEMENT
• WORKSHOP GARAGE

Property features AI

Exterior

• Parking: One-car garage; Asphalt off-street parking
• Utilities: Public water; Public sewer; Electricity connected with 100 amp service
• Home design: Single-family residential; Built around 1920 (estimated); Stone foundation
• Construction: Board & batten siding; Vinyl siding; Asbestos shingle roof
• Exterior features: Private yard; Exterior lighting; Outdoor storage; Wrap-around porch

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 4 bedrooms (one listed as Bedroom 1, Bedroom 2, Bedroom 3, Bedroom 4)
• Flooring: Carpet; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heating; Propane heating; Ceiling fan cooling
• Interior features: Ceiling fans; Eat-in kitchen; Partially floored attic with pull-down stairs; Full walk-out basement with interior entry
• Laundry & utility: Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $108 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $149k (3.7% below list).
• Recommended offer: $149k (3.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 78/100 on livability (#305 in PA, #2,718 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Lakeland SD (rural): math 33% / reading 50% proficiency, ranked #328 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 48 active listings in the ZIP; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $149,228 (3.7% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.96% ✗
• Cap rate: 7.13%
• Cash-on-cash: 2.98%
• DSCR: 1.13
• GRM: 8.7

CMA / ARV

• ARV (median comp): $198,406
• List price: $155,000
• Delta: -21.88%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
605 Penn Ave	0.22mi	3/1.5	2,179 (+6%)	0mo	$259,900	$119	77
408 Hudson St	0.16mi	3/2.5	1,810 (-12%)	4mo	$339,000	$187	64
925 Lackawanna Ave	0.43mi	3/1.0	1,840 (-10%)	1mo	$196,000	$107	63
214 5th St	0.57mi	3/2.0	2,080 (+2%)	19mo	$212,000	$102	51
609 Lincoln Ave	0.72mi	4/2.0 (+1)	2,065 (+1%)	22mo	$167,500	$81	38
508 Madison Ave	0.73mi	2/1.5 (-1)	1,828 (-11%)	7mo	$239,913	$131	35
526 Jefferson Ave	0.73mi	3/2.0	2,268 (+11%)	20mo	$200,000	$88	28

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: -11.6%
• Equity multiple: 0.58×
• Total profit: $-18,233
• Equity at exit: $23,111

10-year hold

• IRR: -2.4%
• Equity multiple: 0.84×
• Total profit: $-6,950
• Equity at exit: $13,402

Cash invested: $43,400 (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 18433

• Home prices YoY: -14.1%
• Active inventory: 48
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,492 medium
• Mortgage (P&I): −$813
• Tax est. 1.5%: −$194 /mo · $2,325/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $108

Break-even live

Break-even rent $1,356

Max offer price $155,000

Occupancy floor 88%

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: $38,750
• Closing costs: $4,650
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $155,000 Active 48 DOM
2. 2026-06-17
   days on market $155,000 Active 47 DOM
3. 2026-06-16
   days on market $155,000 Active 46 DOM
4. 2026-06-15
   days on market $155,000 Active 45 DOM
5. 2026-06-14
   days on market $155,000 Active 43 DOM
6. 2026-06-13
   days on market $155,000 Active 42 DOM
7. 2026-06-10
   days on market $155,000 Active 40 DOM
8. 2026-06-09
   days on market $155,000 Active 39 DOM
9. 2026-06-08
   days on market $155,000 Active 38 DOM
10. 2026-06-07
    days on market $155,000 Active 37 DOM
11. 2026-06-05
    days on market $155,000 Active 34 DOM
12. 2026-06-03
    days on market $155,000 Active 33 DOM
13. 2026-06-02
    days on market $155,000 Active 32 DOM
14. 2026-06-01
    days on market $155,000 Active 31 DOM
15. 2026-05-31
    days on market $155,000 Active 30 DOM
16. 2026-05-30
    days on market $155,000 Active 29 DOM
17. 2026-05-12
    status Active 776-char remark
18. 2026-05-04
    status Pending 776-char remark
19. 2026-04-23
    listed $155,000 Active 776-char remark
20. 2025-09-16
    soldstatus $149,900
21. 2025-09-10
    soldstatus $149,900 Closed 279-char remark

    Show marketing remark (279 chars)

    Large home in need of a little TLC but ready for a new family. 4 Bedrooms ( walkthroughs) and 1 full bath. There is a old 1 car garage w lower level detached but it is in poor condition. Used only as a shed and storage. All information is approximate not warranted or guaranteed.

22. 2025-07-10
    status Pending 279-char remark

    Show marketing remark (279 chars)

    Large home in need of a little TLC but ready for a new family. 4 Bedrooms ( walkthroughs) and 1 full bath. There is a old 1 car garage w lower level detached but it is in poor condition. Used only as a shed and storage. All information is approximate not warranted or guaranteed.

23. 2025-07-09
    listed $149,900 Active 279-char remark

    Show marketing remark (279 chars)

    Large home in need of a little TLC but ready for a new family. 4 Bedrooms ( walkthroughs) and 1 full bath. There is a old 1 car garage w lower level detached but it is in poor condition. Used only as a shed and storage. All information is approximate not warranted or guaranteed.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥92°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $17,907
• − Mortgage interest: −$8,682
• − Property taxes: −$2,325
• − Insurance: −$775
• − Repairs & maintenance: −$1,433
• − Management: −$1,433
• − Depreciation: −$4,509
• Taxable loss: −$1,249
• Est. tax savings @ 24.0%: +$300
• After-tax cash flow: $1,593/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: Lakeland SD
• NCES district ID: 4213050
• Math proficiency: 33% ▼ -10.00%
• Reading proficiency: 50% ▼ -13.00%
• Median HH income: $51,406
• Composite: 35.81/100
• National rank: #4831
• State rank: #328 of 539 in PA

Livability — Mayfield

• Score: 78/100
• State rank: #305
• US rank: #2718

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mayfield, PA
• Population (ZIP): 7,174

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 5% Hispanic / Latino 1%
• Common ancestry: Romanian 17% Scotch-Irish 8% Danish 2%
• Foreign-born: 2% · Canada, Guatemala, Vietnam
• Languages at home: 97% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -27.20%
• Current HPI: 165.7505
• 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

+3.4% since first listed

7 events — show timeline

• 2026-05-12 Relisted — GSBR as distributed by MLS GRID
• 2026-05-04 Pending — GSBR as distributed by MLS GRID
• 2026-04-23 Listed $155,000 GSBR as distributed by MLS GRID
• 2025-09-16 Sold (Public Records) $149,900 Public Records
• 2025-09-10 Sold (MLS) $149,900 GSBR as distributed by MLS GRID
• 2025-07-10 Pending — GSBR as distributed by MLS GRID
• 2025-07-09 Listed $149,900 GSBR as distributed by MLS GRID

Property tax history

+41.1%/yr

Latest (2026): $46,150 · +3204.4% YoY. Source: county tax records.