809 W Norwegian St · Pottsville, PA 17901

$123,500

4 bd · 1.0 ba · 1,920 sqft · SingleFamily public records · 61 Days on market

Built 1900 1,742 sqft lot Est $148k · 16% under

---

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 +28.4/30.0
• ARV discount +14.9/15.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• 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

Back on the market! You get another chance to buy this home!! Previous sale fell thru due to no fault of the sellers. Newly Remodeled Home in Pottsville. This home is LARGE and completely ready for new owners! Brand new carpet & paint throughout-- All you need to do is pack your bags & move in! Plenty of space in the attic for storage. Laundry in basement. All appliances will stay- condition of range & washer unknown.

Key facts

• Laundry in basement
• Built 1900
• Listed 61 days

Tags

• PLENTY OF SPACE IN THE ATTIC
• LAUNDRY IN BASEMENT
• ALL APPLIANCES WILL STAY

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $124k.

Deal economics

• At list price, monthly cash flow is $401 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $124k).
• Recommended offer: $116k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.2% 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; 8 comparable units currently listed for rent nearby; rentals lingering (median 45d 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 $854 of loan paydown is wiped out by about $4k 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 $35k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($116k) is reasonable based on typical stale-listing flexibility.
• 2 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 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $116,090 (6.0% below list)

Questions for the listing agent

1. It's been on market 61 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 1900 — 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: 1.25% ✓
• Cap rate: 10.19%
• Cash-on-cash: 13.93%
• DSCR: 1.62
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $147,840
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
401 Harrison St	0.43mi	4/1.5	2,010 (+5%)	7mo	$142,000	$71	64
325 Morgan Ave	0.51mi	4/1.0	2,056 (+7%)	2mo	$135,000	$66	62
1228 Laurel Blvd	0.40mi	4/1.0	1,753 (-9%)	7mo	$135,000	$77	61
706 Schuylkill Ave	0.12mi	5/1.0 (+1)	1,753 (-9%)	20mo	$165,000	$94	58
307 N 4th St	0.28mi	4/1.0	2,064 (+8%)	21mo	$65,900	$32	57
1128 W Norwegian St	0.18mi	3/1.5 (-1)	1,796 (-6%)	22mo	$121,000	$67	56
507 Harrison St	0.40mi	5/1.5 (+1)	1,804 (-6%)	20mo	$75,000	$42	48
1324 W Norwegian St	0.35mi	3/1.5 (-1)	1,747 (-9%)	20mo	$38,000	$22	45
401 W Race St	0.25mi	4/2.5	1,636 (-15%)	16mo	$127,000	$78	44
Railroad St W #220	0.43mi	3/2.0 (-1)	1,684 (-12%)	11mo	$174,000	$103	41
718 Seneca St	0.55mi	3/2.0 (-1)	1,751 (-9%)	16mo	$154,900	$88	38
436 Wheeler St	0.68mi	3/1.5 (-1)	1,678 (-13%)	4mo	$300,000	$179	38

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: 7.1%
• Equity multiple: 1.29×
• Total profit: $9,869
• Equity at exit: $18,414

10-year hold

• IRR: 18.6%
• Equity multiple: 2.74×
• Total profit: $60,242
• Equity at exit: $10,678

Cash invested: $34,580 (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: 6.7×

Monthly cashflow live

• Estimated rent: $1,547 high
• Mortgage (P&I): −$648
• Tax from tax record: −$122 /mo · $1,461/yr
• Insurance: −$51
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $401

Break-even live

Break-even rent $1,039

Max offer price $123,500

Occupancy floor 69%

Sensitivity live

Price	-10% $471	-5% $436	+0% $401	+5% $366	+10% $331
Rent	-10% $279	-5% $340	+0% $401	+5% $462	+10% $524
Rate	-1.0pp $464	-0.5pp $433	base $401	+0.5pp $369	+1.0pp $337

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: $30,875
• Closing costs: $3,705
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	44d	1	0.13mi
517 W Norwegian St Pottsville, PA	5.0	1.5	2006	$1,500	$0.75	44d	1	0.14mi
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	44d	1	0.19mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.20mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.34mi
1344 W Norwegian St Unit NA Pottsville, PA	5.0	2.0	2500	$1,600	$0.64	44d	1	0.37mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	0.84mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	1.23mi

Listing history 4 events

1. 2026-03-29
   status Pending
2. 2026-03-24
   status Active
3. 2026-02-27
   status Pending
4. 2026-01-02
   listed $123,500 Active

ⓘ 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: $1,461 · $122/mo
• Projected year-2 tax: $1,706 · $142/mo
• Expected delta: +$245/yr (+$20/mo · 16.8%)

ⓘ 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: $18,564
• − Mortgage interest: −$6,918
• − Property taxes: −$1,461
• − Insurance: −$618
• − Repairs & maintenance: −$1,485
• − Management: −$1,485
• − Depreciation: −$3,593
• Taxable income: $3,006
• Est. tax owed @ 24.0%: −$721
• After-tax cash flow: $4,095/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

4 events — show timeline

• 2026-03-29 Pending — BRIGHT MLS
• 2026-03-24 Relisted — BRIGHT MLS
• 2026-02-27 Pending — BRIGHT MLS
• 2026-01-02 Listed $123,500 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,461 · +8.6% YoY. Source: county tax records.