201 N George St · Pottsville, PA 17901

$199,999

4 bd · 1.5 ba · 1,617 sqft · SingleFamily public records · 86 Days on market

Built 1920 1,742 sqft lot $124/sqft · 64% below area

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Why this score? — see what drove the D- 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 +10.1/30.0
• ARV discount +7.5/15.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• DSCR +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the charm of this stunning Colonial townhouse nestled in the heart of Pottsville. Built in 1920, this end-of-row gem boasts timeless brick construction and a wealth of modern comforts. With five spacious bedrooms and three total bathrooms (1 full, 2 half), this home is designed for both relaxation and entertaining. Step inside to find a fully finished basement, with a former workshop and additional living space alongside a wood stove. Enjoy the luxury of a hot tub that invites you to unwind after a long day. The lovely kitchen features essential appliances, including an electric oven/range, refrigerator, dishwasher and beautiful countertops making meal prep a breeze. The convenience of an electric dryer and washer in the basement adds to the home's functionality. Outside, the property shines with a cozy enclosed porch and expansive deck, ideal for summer gatherings or quiet evenings under the stars. The corner lot offers a charming rear yard, perfect for gardening or play. Enjoy breathtaking mountain views that enhance the serene atmosphere of your new home. This property combines classic elegance with modern amenities, making it a perfect fit for those seeking a vibrant community and a place to call home. Don’t miss the opportunity to make this enchanting townhouse yours! Schedule your showing today! Being Sold As-Is Buyer is responsible for any township inspection/requirements

Key facts

• Colonial townhouse
• Hot tub
• Enclosed porch

Tags

• COLONIAL TOWNHOUSE
• BRICK CONSTRUCTION
• FULLY FINISHED BASEMENT
• HOT TUB
• ENCLOSED PORCH
• EXPANSIVE DECK

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-116 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $179k (10.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $148k (25.8% below list).
• Recommended offer: $148k (25.8% below list) — sets the bar for 1% rule.

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; 11 comparable units currently listed for rent nearby; rentals lingering (median 44d 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 $1k of loan paydown is wiped out by about $6k 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.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($188k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $148,378 (25.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.74% ✗
• Cap rate: 5.60%
• Cash-on-cash: -2.49%
• DSCR: 0.89
• GRM: 11.2

CMA / ARV

• ARV (median comp): $1,563,166
• List price: $199,999
• Delta: -87.21%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
315 N George St	0.06mi	4/1.0	1,600 (-1%)	16mo	$45,000	$28	80
436 Wheeler St	0.15mi	3/1.5 (-1)	1,678 (+4%)	4mo	$300,000	$179	79
326 E Race St	0.05mi	3/1.5 (-1)	1,530 (-5%)	7mo	$90,000	$59	78
412 Wheeler St	0.10mi	4/1.0	1,526 (-6%)	15mo	$150,000	$98	72
401 W Race St	0.34mi	4/2.5	1,636 (+1%)	16mo	$127,000	$78	65
Railroad St W #220	0.27mi	3/2.0 (-1)	1,684 (+4%)	11mo	$174,000	$103	64
665 N 2nd St	0.35mi	5/1.0 (+1)	1,496 (-8%)	9mo	$85,000	$57	56
800 Mine St	0.55mi	3/1.0 (-1)	1,392 (-14%)	3mo	$35,000	$25	42
718 Seneca St	0.60mi	3/2.0 (-1)	1,751 (+8%)	15mo	$154,900	$88	38
239 Pierce St	0.44mi	3/2.0 (-1)	1,380 (-15%)	14mo	$130,000	$94	36
901 Fairview St	0.66mi	3/1.0 (-1)	1,388 (-14%)	5mo	$145,000	$104	35
607 N 8th St	0.63mi	3/2.0 (-1)	1,400 (-13%)	10mo	$196,000	$140	33

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: -17.7%
• Equity multiple: 0.36×
• Total profit: $-35,705
• Equity at exit: $29,821

10-year hold

• IRR: -5.7%
• Equity multiple: 0.59×
• Total profit: $-22,809
• Equity at exit: $17,292

Cash invested: $56,000 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,484 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$156 /mo · $1,875/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $-116

Break-even live

Break-even rent $1,631

Max offer price $179,473

Occupancy floor —

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	43d	1	0.18mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	43d	1	0.19mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	43d	1	0.26mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	43d	1	0.27mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	43d	1	0.30mi
517 W Norwegian St Pottsville, PA	5.0	1.5	2006	$1,500	$0.75	43d	1	0.42mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	43d	1	0.47mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	43d	1	0.66mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	43d	1	0.70mi
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	43d	1	0.74mi
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	43d	1	1.12mi

Listing history 17 events

1. 2026-06-19
   days on market $199,999 Active 86 DOM
2. 2026-06-18
   days on market $199,999 Active 85 DOM
3. 2026-06-17
   days on market $199,999 Active 84 DOM
4. 2026-06-16
   days on market $199,999 Active 83 DOM
5. 2026-06-15
   days on market $199,999 Active 82 DOM
6. 2026-06-14
   days on market $199,999 Active 80 DOM
7. 2026-06-12
   days on market $199,999 Active 79 DOM
8. 2026-06-09
   days on market $199,999 Active 76 DOM
9. 2026-06-08
   days on market $199,999 Active 75 DOM
10. 2026-06-07
    days on market $199,999 Active 74 DOM
11. 2026-06-07
    days on market $199,999 Active 73 DOM
12. 2026-06-04
    days on market $199,999 Active 70 DOM
13. 2026-06-02
    days on market $199,999 Active 69 DOM
14. 2026-06-01
    days on market $199,999 Active 68 DOM
15. 2026-05-31
    days on market $199,999 Active 67 DOM
16. 2026-05-31
    days on market $199,999 Active 66 DOM
17. 2026-03-25
    listed $199,999 Active 1416-char remark

    Show marketing remark (1416 chars)

    Discover the charm of this stunning Colonial townhouse nestled in the heart of Pottsville. Built in 1920, this end-of-row gem boasts timeless brick construction and a wealth of modern comforts. With five spacious bedrooms and three total bathrooms (1 full, 2 half), this home is designed for both relaxation and entertaining. Step inside to find a fully finished basement, with a former workshop and additional living space alongside a wood stove. Enjoy the luxury of a hot tub that invites you to unwind after a long day. The lovely kitchen features essential appliances, including an electric oven/range, refrigerator, dishwasher and beautiful countertops making meal prep a breeze. The convenience of an electric dryer and washer in the basement adds to the home's functionality. Outside, the property shines with a cozy enclosed porch and expansive deck, ideal for summer gatherings or quiet evenings under the stars. The corner lot offers a charming rear yard, perfect for gardening or play. Enjoy breathtaking mountain views that enhance the serene atmosphere of your new home. This property combines classic elegance with modern amenities, making it a perfect fit for those seeking a vibrant community and a place to call home. Don’t miss the opportunity to make this enchanting townhouse yours! Schedule your showing today! Being Sold As-Is Buyer is responsible for any township inspection/requirements

ⓘ 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: $1,875 · $156/mo
• Projected year-2 tax: $2,517 · $210/mo
• Expected delta: +$643/yr (+$54/mo · 34.3%)

ⓘ 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 2/10 Low
• 🌡 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: $17,805
• − Mortgage interest: −$11,203
• − Property taxes: −$1,875
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,424
• − Management: −$1,424
• − Depreciation: −$5,818
• Taxable loss: −$4,939
• Est. tax savings @ 24.0%: +$1,185
• After-tax cash flow: $-209/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

1 event — show timeline

• 2026-03-25 Listed $199,999 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,875 · +8.6% YoY. Source: county tax records.