340 Clark St · Tamaqua, PA 18252

$89,900

3 bd · 1.0 ba · 1,339 sqft · Townhouse public records · 21 Days on market

Built 1923 871 sqft lot Est $84k · 7% over

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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 +9.2/10.0
• ARV discount +4.5/15.0
• Livability +4.0/5.0
• 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

Comfortable & cozy this well maintained Dutch Hill row home is an ideal home. Painted walls, tile ceilings, modern kitchen & tile bath, new windows & oil burner. Small yard if your not a fan of yard work. Mailing Address Continued: 340 Clark St Color: red Amp: 100

Key facts

• Open stair way
• Modern oak kitchen
• Fenced yard

Tags

• MODERN OAK KITCHEN
• HARDWOOD FLOORS
• OPEN STAIR WAY
• FENCED YARD
• FRONT PORCHES
• REAR PORCHES

Property features AI

Finance

• HOA & community: Ground rent paid annually

Exterior

• Parking: On-street parking
• Security: Municipal trash service
• Utilities: Public water; Public sewer; Electric available (100 amp); Oil hot water and heating fuel; Cable TV available; Phone available; Broadband, cable, fiber optic and satellite internet
• Home design: Interior townhouse/rowhouse; Estimated year built; major remodel around 2000; Fee simple ownership
• Construction: Brick and vinyl siding exterior; Concrete perimeter foundation; Flat rubber roof; Replacement vinyl-clad windows with screens
• Exterior features: Rear yard; Porch(es); Sidewalks and street lights

Interior

• Kitchen: Built-in range; Electric oven/range; Range hood; Refrigerator
• Bedrooms: Three bedrooms on the upper level
• Flooring: Fully carpeted, vinyl and tile/brick flooring
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating (oil); Ceiling fan cooling; 100 amp electric service
• Interior features: Ceiling fan(s); Drywall, plaster and paneled walls
• Laundry & utility: Basement laundry hookups; Basement with outside entrance

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $90k.

Deal economics

• At list price, monthly cash flow is $396 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $89k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.6% vs local median 6.6% in Tamaqua — 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 80/100 on livability (#209 in PA, #1,844 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute D+, employment F.
• Tamaqua Area SD (rural): math 31% / reading 53% proficiency, ranked #331 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Tamaqua El Sch (math 35% / reading 56%, grade D-, #801 of 1,518 statewide, top 53%, 695 students, 68% FRL); Tamaqua Area Ms (math 20% / reading 46%, grade F, #346 of 512 statewide, top 69%, 433 students, 61% FRL); Tamaqua Area Shs (math 47% / reading 62%, grade C-, #99 of 437 statewide, top 23%, 691 students, 50% FRL) — zoned schools average 60% FRL vs 37% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 75 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); 67% 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 $622 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 + 3.0% rent growth), your $25k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 11y 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 $25k; list at $90k implies a 260% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1923 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $88,551 (1.5% below list)

Questions for the listing agent

1. Built in 1923 — 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. 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.
4. 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.
5. 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: 1.42% ✓
• Cap rate: 11.57%
• Cash-on-cash: 18.86%
• DSCR: 1.84
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $84,357
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
429 E Elm St	0.16mi	3/1.0	1,435 (+7%)	2mo	$105,500	$74	79
124 Schuylkill Ave	0.47mi	2/1.0 (-1)	1,326 (-1%)	2mo	$60,000	$45	70
11 W Elm St	0.60mi	4/1.0 (+1)	1,341 (+0%)	3mo	$85,000	$63	64
429 W Willing St	0.15mi	3/1.0	1,144 (-15%)	10mo	$85,000	$74	60
215 E Elm St	0.39mi	3/1.5	1,462 (+9%)	7mo	$45,000	$31	59
143 N Pine St	0.50mi	4/1.0 (+1)	1,262 (-6%)	5mo	$97,000	$77	58
9 N Greenwood St	0.50mi	2/1.5 (-1)	1,346 (+0%)	15mo	$75,500	$56	57
648 Arlington St	0.43mi	3/1.0	1,202 (-10%)	13mo	$63,000	$52	52
646 Arlington	0.44mi	3/1.5	1,157 (-14%)	7mo	$105,000	$91	49
205 Schuylkill Ave	0.44mi	3/1.0	1,508 (+13%)	14mo	$76,000	$50	47
323 Washington	0.60mi	2/1.0 (-1)	1,440 (+8%)	15mo	$45,000	$31	42
308 Washington St	0.62mi	4/2.5 (+1)	1,465 (+9%)	10mo	$210,000	$143	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.7%
• Equity multiple: 1.42×
• Total profit: $10,641
• Equity at exit: $13,404

10-year hold

• IRR: 19.8%
• Equity multiple: 2.66×
• Total profit: $41,761
• Equity at exit: $7,773

Cash invested: $25,172 (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 18252

• Home prices YoY: -15.4%
• Active inventory: 75
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,273 high
• Mortgage (P&I): −$471
• Tax from tax record: −$102 /mo · $1,218/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $396

Break-even live

Break-even rent $773

Max offer price $89,900

Occupancy floor 64%

Sensitivity live

Price	-10% $446	-5% $421	+0% $396	+5% $370	+10% $345
Rent	-10% $295	-5% $345	+0% $396	+5% $446	+10% $496
Rate	-1.0pp $441	-0.5pp $418	base $396	+0.5pp $372	+1.0pp $349

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
435 E Union St Tamaqua, PA	3.0	1.0	1560	$1,275	$0.82	15d	1	0.15mi
223 Schuylkill Ave Tamaqua, PA	3.0	1.0	1100	$1,050	$0.95	44d	1	0.44mi
234 Mauch Chunk St Unit 2 Tamaqua, PA	3.0	1.0	1100	$1,425	$1.30	24d	1	0.51mi
128 E Broad St Unit 128B Tamaqua, PA	3.0	1.0	1623	$1,450	$0.89	44d	1	0.64mi
128 E Broad St Unit 128C Tamaqua, PA	2.0	1.0	1055	$1,200	$1.14	44d	1	0.64mi
132 E Broad St Unit 1 Tamaqua, PA	2.0	1.0	900	$1,300	$1.44	44d	1	0.65mi

Listing history 16 events

1. 2026-06-21
   days on market $89,900 Active 21 DOM
2. 2026-06-18
   days on market $89,900 Active 19 DOM
3. 2026-06-17
   days on market $89,900 Active 18 DOM
4. 2026-06-16
   days on market $89,900 Active 17 DOM
5. 2026-06-15
   days on market $89,900 Active 16 DOM
6. 2026-06-13
   days on market $89,900 Active 14 DOM
7. 2026-06-12
   days on market $89,900 Active 13 DOM
8. 2026-06-09
   days on market $89,900 Active 10 DOM
9. 2026-06-08
   days on market $89,900 Active 9 DOM
10. 2026-06-08
    days on market $89,900 Active 8 DOM
11. 2026-06-07
    days on market $89,900 Active 7 DOM
12. 2026-06-04
    days on market $89,900 Active 4 DOM
13. 2026-06-02
    days on market $89,900 Active 3 DOM
14. 2026-06-01
    days on market $89,900 Active 2 DOM
15. 2026-05-31
    remarks 323-char remark
16. 2026-05-31
    listed $89,900 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: $1,218 · $102/mo
• Projected year-2 tax: $1,319 · $110/mo
• Expected delta: +$101/yr (+$8/mo · 8.3%)

ⓘ 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 ≥95°F today · 17 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,282
• − Mortgage interest: −$5,036
• − Property taxes: −$1,218
• − Insurance: −$450
• − Repairs & maintenance: −$1,223
• − Management: −$1,223
• − Depreciation: −$2,615
• Taxable income: $3,518
• Est. tax owed @ 24.0%: −$844
• After-tax cash flow: $3,903/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: Tamaqua Area SD
• NCES district ID: 4223220
• Math proficiency: 31% ▼ -9.00%
• Reading proficiency: 53% ▼ -8.00%
• Median HH income: $45,184
• Composite: 35.61/100
• National rank: #4893
• State rank: #331 of 539 in PA

Livability — Tamaqua

• Score: 80/100
• State rank: #209
• US rank: #1844

Category grades

Amenities A+ Commute D+ 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: Tamaqua, PA
• Population (ZIP): 11,065

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 9% Two or more races 8%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3% Salvadoran 2%
• Common ancestry: Romanian 11% Iranian 3% Polish 2%
• Foreign-born: 2% · Canada, Dominican Republic
• 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: ▼ -35.53%
• Current HPI: 194.8976
• 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

+200.7% since first listed

8 events — show timeline

• 2026-05-30 Listed $89,900 BRIGHT MLS
• 2022-04-18 Listing Removed — GLVRMLS
• 2016-01-22 Listing Removed — BRIGHT MLS
• 2015-07-14 Sold (MLS) $25,000 TREND
• 2015-07-14 Sold (MLS) $25,000 BRIGHT MLS
• 2015-03-15 Listed — TREND
• 2015-03-15 Listed $25,000 BRIGHT MLS
• 2015-03-11 Listed $29,900 GLVRMLS

Property tax history

+2.7%/yr

Latest (2025): $1,218 · +7.9% YoY. Source: county tax records.