319 W Ridge St · Lansford, PA 18232

$125,000

3 bd · 1.0 ba · 1,523 sqft · Townhouse public records · 4 Days on market

Built 1856 Est $126k · 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 +26.5/30.0
• Appreciation +9.6/10.0
• DSCR +9.0/10.0
• ARV discount +8.0/15.0
• 1% rule +6.8/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks

* * Offer deadline is 5/25/2026 at 5pm * * Welcome home to this charming and well-maintained twin in the heart of Lansford! Filled with character and timeless craftsmanship, this spacious home offers the perfect blend of comfort, value, and small-town charm. Freshly painted throughout with brand-new carpet and updated flooring, this move-in ready property is ready for its next owner. Step inside to find generous living areas perfect for relaxing or entertaining, along with an inviting eat-in kitchen featuring updated backsplash and flooring. Convenient first-floor laundry adds everyday ease. Use the attic as storage or a bonus room. Additional updates include newer roof and siding, offer

Key facts

• Covered front porch
• Finished attic
• Newer roof

Tags

• UPDATED FLOORING
• FIRST-FLOOR LAUNDRY
• FINISHED ATTIC
• COVERED FRONT PORCH
• NEWER ROOF
• NEWER SIDING

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Vinyl siding; Fee simple ownership
• Construction: Permanent foundation
• Exterior features: Semi-detached property; No tidal water on the property

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Hot water heating (oil-fired); Central air conditioning (electric)
• Interior features: Unfinished basement; Doors swing inward for accessibility
• Laundry & utility: Laundry located on the main floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $330 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).

Location & tenants

• Location reads 72/100 on livability (#605 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime A-; Watch: amenities D, commute F, employment F.
• Panther Valley SD (rural): math 14% / reading 35% proficiency, ranked #477 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Panther Valley El Sch (math 27% / reading 42%, grade F, #1,049 of 1,518 statewide, top 71%, 622 students, 100% FRL); Panther Valley Intermediate Sch (math 11% / reading 31%, grade F, #432 of 512 statewide, top 85%, 417 students, 100% FRL); Panther Valley Jshs (math 13% / reading 36%, grade F, #376 of 437 statewide, top 86%, 771 students, 100% FRL) — zoned schools average 100% FRL vs 52% district-wide (48 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 34 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).
• This rent runs 40% of the median local income ($45k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $12k of equity ($864 loan paydown + $11k appreciation (9.1% local appreciation)).
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (9.1% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 18y ago 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.
• Current owner paid $56k; list at $125k implies a 123% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1856 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $125,000

Questions for the listing agent

1. Built in 1856 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.18% ✓
• Cap rate: 9.46%
• Cash-on-cash: 11.30%
• DSCR: 1.50
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $126,409
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
368 W Bertsch St	0.15mi	3/1.0	1,549 (+2%)	5mo	$23,000	$15	86
206 W Bertsch St	0.17mi	3/1.0	1,584 (+4%)	5mo	$172,500	$109	81
328 W Abbott St	0.20mi	4/1.5 (+1)	1,455 (-4%)	3mo	$127,000	$87	74
108 W Bertsch St	0.25mi	4/2.0 (+1)	1,508 (-1%)	5mo	$115,000	$76	74
343 W Kline Ave	0.15mi	4/1.0 (+1)	1,394 (-8%)	8mo	$65,000	$47	68
306 W Kline Ave	0.15mi	4/1.5 (+1)	1,312 (-14%)	5mo	$115,000	$88	59
6 E Abbott St	0.42mi	3/1.5	1,400 (-8%)	8mo	$116,600	$83	58
234 E Patterson St	0.62mi	4/2.0 (+1)	1,581 (+4%)	1mo	$188,000	$119	55
307 E Abbott St	0.72mi	3/1.5	1,640 (+8%)	4mo	$60,000	$37	48
262 E Kline Ave	0.68mi	3/1.0	1,665 (+9%)	8mo	$50,000	$30	46
253 E Abbott	0.68mi	3/2.0	1,370 (-10%)	4mo	$165,000	$120	44
221 E Bertsch St	0.60mi	4/2.0 (+1)	1,708 (+12%)	4mo	$50,000	$29	39

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

Projected returns pro-forma

9.12% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.9%
• Equity multiple: 3.33×
• Total profit: $81,602
• Equity at exit: $104,651

10-year hold

• IRR: 27.1%
• Equity multiple: 7.35×
• Total profit: $222,214
• Equity at exit: $217,720

Cash invested: $35,000 (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 18232

• Home prices YoY: 3.6%
• Active inventory: 34
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,478 high
• Mortgage (P&I): −$656
• Tax from tax record: −$131 /mo · $1,566/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$310
• Net cashflow: $330

Break-even live

Break-even rent $1,061

Max offer price $125,000

Occupancy floor 73%

Sensitivity live

Price	-10% $400	-5% $365	+0% $330	+5% $294	+10% $259
Rent	-10% $213	-5% $271	+0% $330	+5% $388	+10% $446
Rate	-1.0pp $393	-0.5pp $361	base $330	+0.5pp $297	+1.0pp $264

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
149 W Ridge St Unit 3A Lansford, PA	3.0	1.0	1550	$1,650	$1.06	45d	1	0.18mi
149 W Ridge St Unit 1B Lansford, PA	3.0	1.0	1654	$1,500	$0.91	20d	1	0.18mi
317 E Bertsch St Unit 1 Lansford, PA	2.0	1.0	1650	$1,400	$0.85	45d	1	0.71mi
323 E Bertsch St Unit A-1 Lansford, PA	2.0	1.0	1250	$1,450	$1.16	45d	1	0.72mi
151 E High St Coaldale, PA	3.0	1.0	1312	$1,200	$0.91	45d	1	0.80mi
10 Leisenring St Lansford, PA	3.0	1.0	1422	$1,100	$0.77	45d	1	0.93mi

Listing history 17 events

1. 2026-05-22
   listed $125,000 Active
2. 2025-11-15
   historical
3. 2022-10-14
   historical
4. 2022-04-18
   historical
5. 2020-07-14
   soldstatus $56,000
6. 2020-07-13
   soldstatus $56,000
7. 2020-03-17
   listed $59,900
8. 2017-06-07
   listed $64,000
9. 2016-07-18
   listed $72,000
10. 2016-07-18
    listed $72,000
11. 2009-07-15
    soldstatus $58,000
12. 2009-07-15
    soldstatus $58,000
13. 2009-05-01
    listed $59,900
14. 2008-10-21
    listed $59,900
15. 2008-10-21
    listed $59,900
16. 2008-10-21
    listed $58,000
17. 1997-08-05
    soldstatus $32,500

ⓘ 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: $1,566 · $131/mo
• Projected year-2 tax: $1,771 · $148/mo
• Expected delta: +$204/yr (+$17/mo · 13.1%)

ⓘ 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 3/10 Moderate 7 d/yr ≥94°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,739
• − Mortgage interest: −$7,002
• − Property taxes: −$1,566
• − Insurance: −$625
• − Repairs & maintenance: −$1,419
• − Management: −$1,419
• − Depreciation: −$3,636
• Taxable income: $2,071
• Est. tax owed @ 24.0%: −$497
• After-tax cash flow: $3,459/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: Panther Valley SD
• NCES district ID: 4218450
• Math proficiency: 14% ▼ -7.00%
• Reading proficiency: 35% ▼ -14.00%
• Median HH income: $36,914
• Composite: 20.31/100
• National rank: #8613
• State rank: #477 of 539 in PA

Livability — Lansford

• Score: 72/100
• State rank: #605
• US rank: #5834

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lansford, PA
• County: Carbon County · 13,404 people
• City population: 4,156
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• Population (ZIP): 4,156
• Household income: $44,713
• Rent vs Own: 48.0% rent · 52.0% own
• Severe rent burden: 123.0

Population outlook (Carbon County) Hauer SSP2

• Today (2025): 61,643 people
• By 2030: 59,840 · -2.9%
• By 2040: 55,413 · -10.1%
• By 2050: 50,843 · -17.5%
• By 2075: 43,326 · -29.7%
• By 2100: 37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 64% Hispanic / Latino 17% Black 11% Two or more races 11% Native American 4%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 4% Polish 2% Iranian 2%
• Foreign-born: 7% · Canada, Jamaica, South Korea
• Languages at home: 89% English-only · Spanish 10%

Political lean MEDSL · Carbon

• 2024 margin: Solid R (+34.8) · D 32.2% · R 67.0%
• 2008→2024 swing: -36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
• All cycles: 2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.12%
• Current HPI: 262.3396
• Rent YoY: —
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• 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

+284.6% since first listed

17 events — show timeline

• 2026-05-22 Listed $125,000 BRIGHT MLS
• 2025-11-15 Listing Removed — GLVRMLS
• 2022-10-14 Listing Removed — GLVRMLS
• 2022-04-18 Listing Removed — GLVRMLS
• 2020-07-14 Sold (Public Records) $56,000 Public Records
• 2020-07-13 Sold (MLS) $56,000 GLVRMLS
• 2020-03-17 Listed $59,900 GLVRMLS
• 2017-06-07 Listed $64,000 GLVRMLS
• 2016-07-18 Listed $72,000 GLVRMLS
• 2016-07-18 Listed $72,000 PMAR
• 2009-07-15 Sold (MLS) $58,000 BRIGHT MLS
• 2009-07-15 Sold (MLS) $58,000 GLVRMLS
• 2009-05-01 Listed $59,900 GLVRMLS
• 2008-10-21 Listed $58,000 BRIGHT MLS
• 2008-10-21 Listed $59,900 PMAR
• 2008-10-21 Listed $59,900 GLVRMLS
• 1997-08-05 Sold (Public Records) $32,500 Public Records

Property tax history

+1.5%/yr

Latest (2026): $1,566 · +2.4% YoY. Source: county tax records.