415 Peacock St · Pottsville, PA 17901

$48,300

3 bd · 1.0 ba · 1,264 sqft · SingleFamily public records · 51 Days on market

Built 1930 10,019 sqft lot ↓ 8% since listing

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

Ready for a new project?! This detached Pottsville home provides the perfect template for a place to create a home or the latest addition to your real estate portfolio. Set just outside of the hustle and bustle of town, you're only a short drive to many local amenities. Arriving at the house, parking is a breeze with the detached garage. To enter the home, you start at the basement area. This is where the laundry is located, as well as providing plenty of storage space. Upstairs, a spacious living room is in the front of the home which is connected to the front porch. In the rear, a dining area and kitchen provide a great space for cooking and entertaining. The third floor boasts two bedrooms and a convenient full bathroom. The third private bedroom is located in the attic. Being offered at $48,300, call to schedule a private showing today!

Key facts

• 0.23 acre lot
• Garage
• Built 1930

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $48k.

Deal economics

• At list price, monthly cash flow is $636 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $48k).
• Recommended offer: $47k (3.0% below list) — sets the bar for market timing.
• Cap rate 23.5% 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.
• Zoned schools: Pottsville Area Hs (math 52% / reading 74%, grade B-, #69 of 437 statewide, top 16%, 898 students, 57% FRL) — zoned schools at 57% FRL track the district average.
• Zoned-school proficiency averages 63% at this address vs 38% district-wide (+26 pts) — the actual schools serving this property are materially stronger than the Pottsville Area SD average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 12 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 $334 of loan paydown is wiped out by about $1k 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 $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($47k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $4k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.9% of price; flood insurance adds $56/mo; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $46,851 (3.0% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 2.83% ✓
• Cap rate: 23.47%
• Cash-on-cash: 61.36%
• DSCR: 3.73
• GRM: 2.9

CMA / ARV

• ARV (on-the-fly): $156,736
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
241 Peacock St	0.29mi	3/1.0	1,242 (-2%)	2mo	$97,000	$78	82
1308 Mount Hope Ave	0.29mi	2/— (-1)	1,240 (-2%)	2mo	$259,000	$209	77
515 Peacock St	0.20mi	3/1.5	1,248 (-1%)	20mo	$160,000	$128	70
939 S Seneca St	0.19mi	3/2.0	1,322 (+5%)	13mo	$205,000	$155	69
1414 Mt Hope Ave	0.40mi	2/1.0 (-1)	1,240 (-2%)	7mo	$80,000	$65	67
901 Fairview St	0.27mi	3/1.0	1,388 (+10%)	5mo	$145,000	$104	67
800 Mine St	0.48mi	3/1.0	1,392 (+10%)	3mo	$35,000	$25	58
607 N 8th St	0.30mi	3/2.0	1,400 (+11%)	10mo	$196,000	$140	55
519 N 3rd St	0.48mi	2/1.0 (-1)	1,260 (-0%)	23mo	$55,000	$44	53
1342 Mount Hope Ave	0.33mi	3/1.0	1,412 (+12%)	17mo	$135,000	$96	51
1349 Mount Hope Ave	0.35mi	3/1.0	1,120 (-11%)	22mo	$200,000	$179	47
210 W Railroad St	0.38mi	3/1.5	1,450 (+15%)	19mo	$180,000	$124	40

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: 58.3%
• Equity multiple: 3.71×
• Total profit: $36,584
• Equity at exit: $7,202

10-year hold

• IRR: 64.2%
• Equity multiple: 8.46×
• Total profit: $100,927
• Equity at exit: $4,176

Cash invested: $13,524 (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: 2.9×

Monthly cashflow live

• Estimated rent: $1,368 high
• Mortgage (P&I): −$253
• Tax from tax record: −$116 /mo · $1,388/yr
• Insurance: −$20
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $636

Break-even live

Break-even rent $563

Max offer price $48,300

Occupancy floor 48%

Sensitivity live

Price	-10% $663	-5% $650	+0% $636	+5% $622	+10% $609
Rent	-10% $528	-5% $582	+0% $636	+5% $690	+10% $744
Rate	-1.0pp $660	-0.5pp $648	base $636	+0.5pp $623	+1.0pp $611

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: $12,075
• Closing costs: $1,449
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	45d	1	0.49mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	45d	1	0.50mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	45d	1	0.53mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	45d	1	0.57mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	45d	1	0.78mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	45d	1	0.81mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	45d	1	0.90mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	45d	1	0.92mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	45d	1	0.94mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	45d	1	0.94mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	45d	1	1.01mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	45d	1	1.25mi

Listing history 7 events

1. 2026-06-12
   statusdays on market $48,300 Active 51 DOM
2. 2026-04-29
   status Pending 852-char remark

   Show marketing remark (852 chars)

   Ready for a new project?! This detached Pottsville home provides the perfect template for a place to create a home or the latest addition to your real estate portfolio. Set just outside of the hustle and bustle of town, you're only a short drive to many local amenities. Arriving at the house, parking is a breeze with the detached garage. To enter the home, you start at the basement area. This is where the laundry is located, as well as providing plenty of storage space. Upstairs, a spacious living room is in the front of the home which is connected to the front porch. In the rear, a dining area and kitchen provide a great space for cooking and entertaining. The third floor boasts two bedrooms and a convenient full bathroom. The third private bedroom is located in the attic. Being offered at $48,300, call to schedule a private showing today!

3. 2026-04-27
   status Pending
4. 2026-04-07
   price $48,300

   Show marketing remark (852 chars)

   Ready for a new project?! This detached Pottsville home provides the perfect template for a place to create a home or the latest addition to your real estate portfolio. Set just outside of the hustle and bustle of town, you're only a short drive to many local amenities. Arriving at the house, parking is a breeze with the detached garage. To enter the home, you start at the basement area. This is where the laundry is located, as well as providing plenty of storage space. Upstairs, a spacious living room is in the front of the home which is connected to the front porch. In the rear, a dining area and kitchen provide a great space for cooking and entertaining. The third floor boasts two bedrooms and a convenient full bathroom. The third private bedroom is located in the attic. Being offered at $48,300, call to schedule a private showing today!

5. 2026-04-07
   price $48,300 852-char remark

   Show marketing remark (852 chars)

   Ready for a new project?! This detached Pottsville home provides the perfect template for a place to create a home or the latest addition to your real estate portfolio. Set just outside of the hustle and bustle of town, you're only a short drive to many local amenities. Arriving at the house, parking is a breeze with the detached garage. To enter the home, you start at the basement area. This is where the laundry is located, as well as providing plenty of storage space. Upstairs, a spacious living room is in the front of the home which is connected to the front porch. In the rear, a dining area and kitchen provide a great space for cooking and entertaining. The third floor boasts two bedrooms and a convenient full bathroom. The third private bedroom is located in the attic. Being offered at $48,300, call to schedule a private showing today!

6. 2026-03-09
   listed $52,500 Active
7. 2026-03-06
   listed $52,500 Active 852-char remark

   Show marketing remark (852 chars)

   Ready for a new project?! This detached Pottsville home provides the perfect template for a place to create a home or the latest addition to your real estate portfolio. Set just outside of the hustle and bustle of town, you're only a short drive to many local amenities. Arriving at the house, parking is a breeze with the detached garage. To enter the home, you start at the basement area. This is where the laundry is located, as well as providing plenty of storage space. Upstairs, a spacious living room is in the front of the home which is connected to the front porch. In the rear, a dining area and kitchen provide a great space for cooking and entertaining. The third floor boasts two bedrooms and a convenient full bathroom. The third private bedroom is located in the attic. Being offered at $48,300, call to schedule a private showing today!

ⓘ 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: $1,388 · $116/mo
• Projected year-2 tax: $1,388 · $116/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 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: $16,414
• − Mortgage interest: −$2,706
• − Property taxes: −$1,388
• − Insurance: −$908
• − Repairs & maintenance: −$1,313
• − Management: −$1,313
• − Depreciation: −$1,405
• Taxable income: $7,381
• Est. tax owed @ 24.0%: −$1,772
• After-tax cash flow: $5,860/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

-8.0% since first listed

6 events — show timeline

• 2026-04-29 Pending — PMAR
• 2026-04-27 Pending — BRIGHT MLS
• 2026-04-07 Price Changed $48,300 BRIGHT MLS
• 2026-04-07 Price Changed $48,300 PMAR
• 2026-03-09 Listed $52,500 BRIGHT MLS
• 2026-03-06 Listed $52,500 PMAR

Property tax history

+3.1%/yr

Latest (2025): $1,388 · +8.6% YoY. Source: county tax records.