625 North St · Jim Thorpe, PA 18229

$215,000

3 bd · 1.0 ba · 1,394 sqft · SingleFamily public records · 6 Days on market

Built 1894 5,000 sqft lot Est $277k · 22% under

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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).

• ARV discount +15.0/15.0
• Cash flow +13.8/30.0
• DSCR +4.2/10.0
• Livability +3.6/5.0
• 1% rule +3.2/10.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Enjoy picturesque mountain views from this spacious 3-bedroom, 2-bath semi-detached home located on the east side of Jim Thorpe Borough! The main level features a inviting living room and dining room that flow seamlessly into a generously sized eat-in kitchen which is perfect for entertaining or everyday living. A convenient full bathroom with first-floor laundry is located just off the kitchen, along with a private side entrance for easy access. Relax and unwind on the covered front porch or enjoy outdoor living in the fenced backyard, ideal for relaxing, pets, or outdoor activities. Upstairs, you'll find three comfortable bedrooms and a second full bathroom. The walk-up attic offers flexible bonus space or additional storage, while the walk-out basement provides direct access to the rear yard. Ideally situated just minutes from downtown Jim Thorpe, shopping, dining, and outdoor recreation, this home is close to the D & L Trail, Mauch Chunk Lake Park, Lehigh River whitewater rafting, and more. Convenient access to Route 209, Route 903, and Interstate 476 makes commuting a breeze. Don't miss this opportunity! Schedule your private showing today!

Key facts

• Covered front porch
• Walk-out basement
• Fenced backyard

Tags

• MOUNTAIN VIEWS
• FENCED BACKYARD
• COVERED FRONT PORCH
• WALK-UP ATTIC
• WALK-OUT BASEMENT
• PRIVATE SIDE ENTRANCE

Property features AI

Exterior

• Parking: Off-street parking; On-street parking
• Utilities: Public water; Public sewer; Gas water heater
• Home design: 2-story home; Has a view
• Construction: Vinyl siding; Asphalt, fiberglass, and metal roofing
• Exterior features: Porch; Above-ground pool; Yard fenced

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator; Eat-in kitchen
• Bedrooms: Total rooms: 6; Basement: Crawl space
• Flooring: Carpet; Laminate; Resilient flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Gas heating; Baseboard heating; Hot water heating; Radiator heating; Ceiling fans
• Interior features: Attic; Dining area; Formal separate dining room; Eat-in kitchen; Storage
• Laundry & utility: Washer; Electric dryer; Electric dryer hookup on main level; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $18 ($214/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (18.3% below list).
• Recommended offer: $176k (18.3% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 4.2% in Jim Thorpe — 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 71/100 on livability (#675 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, amenities F, commute F.
• Jim Thorpe Area SD (rural): math 25% / reading 47% proficiency, ranked #394 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 151 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).
• This rent runs 32% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

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.
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 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 1894 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $175,628 (18.3% below list)

Questions for the listing agent

1. Built in 1894 — 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 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.82% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.36%
• DSCR: 1.02
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $277,406
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
301 Oak St	0.31mi	3/1.0	1,416 (+2%)	1mo	$238,000	$168	82
715 Center St	0.12mi	3/1.5	1,425 (+2%)	12mo	$260,000	$182	79
630 Lehigh St	0.05mi	3/1.0	1,272 (-9%)	10mo	$325,000	$256	75
631 North St	0.02mi	3/1.0	1,296 (-7%)	17mo	$115,000	$89	73
431 South St	0.25mi	2/3.0 (-1)	1,348 (-3%)	3mo	$270,000	$200	67
508 North St	0.13mi	3/1.5	1,600 (+15%)	8mo	$244,000	$153	60
812 Lehigh & 812 Oak St	0.15mi	4/1.5 (+1)	1,582 (+14%)	6mo	$377,000	$238	59
226 Fern St	0.39mi	4/1.5 (+1)	1,280 (-8%)	5mo	$175,000	$137	57
16 E 4th St	0.29mi	3/1.5	1,206 (-14%)	12mo	$240,000	$199	52
13 W Thirteen St	0.53mi	2/2.0 (-1)	1,248 (-10%)	3mo	$305,000	$244	46
601 Fawn Cir	0.75mi	3/1.0	1,344 (-4%)	19mo	$300,000	$223	44
120 Silk St	0.59mi	3/1.5	1,600 (+15%)	8mo	$300,000	$188	39

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: -15.8%
• Equity multiple: 0.44×
• Total profit: $-33,747
• Equity at exit: $32,057

10-year hold

• IRR: -7.4%
• Equity multiple: 0.53×
• Total profit: $-28,104
• Equity at exit: $18,589

Cash invested: $60,200 (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 18229

• Home prices YoY: -22.0%
• Active inventory: 151
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,756 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$153 /mo · $1,830/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$369
• Net cashflow: $18

Break-even live

Break-even rent $1,734

Max offer price $215,000

Occupancy floor 94%

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8 Cedar Ave Jim Thorpe, PA	2.0	1.0	910	$1,500	$1.65	44d	1	1.09mi

Listing history 4 events

1. 2026-05-15
   status Pending 1167-char remark

   Show marketing remark (1167 chars)

   Enjoy picturesque mountain views from this spacious 3-bedroom, 2-bath semi-detached home located on the east side of Jim Thorpe Borough! The main level features a inviting living room and dining room that flow seamlessly into a generously sized eat-in kitchen which is perfect for entertaining or everyday living. A convenient full bathroom with first-floor laundry is located just off the kitchen, along with a private side entrance for easy access. Relax and unwind on the covered front porch or enjoy outdoor living in the fenced backyard, ideal for relaxing, pets, or outdoor activities. Upstairs, you'll find three comfortable bedrooms and a second full bathroom. The walk-up attic offers flexible bonus space or additional storage, while the walk-out basement provides direct access to the rear yard. Ideally situated just minutes from downtown Jim Thorpe, shopping, dining, and outdoor recreation, this home is close to the D & L Trail, Mauch Chunk Lake Park, Lehigh River whitewater rafting, and more. Convenient access to Route 209, Route 903, and Interstate 476 makes commuting a breeze. Don't miss this opportunity! Schedule your private showing today!

2. 2026-05-15
   status Pending

   Show marketing remark (1167 chars)

   Enjoy picturesque mountain views from this spacious 3-bedroom, 2-bath semi-detached home located on the east side of Jim Thorpe Borough! The main level features a inviting living room and dining room that flow seamlessly into a generously sized eat-in kitchen which is perfect for entertaining or everyday living. A convenient full bathroom with first-floor laundry is located just off the kitchen, along with a private side entrance for easy access. Relax and unwind on the covered front porch or enjoy outdoor living in the fenced backyard, ideal for relaxing, pets, or outdoor activities. Upstairs, you'll find three comfortable bedrooms and a second full bathroom. The walk-up attic offers flexible bonus space or additional storage, while the walk-out basement provides direct access to the rear yard. Ideally situated just minutes from downtown Jim Thorpe, shopping, dining, and outdoor recreation, this home is close to the D & L Trail, Mauch Chunk Lake Park, Lehigh River whitewater rafting, and more. Convenient access to Route 209, Route 903, and Interstate 476 makes commuting a breeze. Don't miss this opportunity! Schedule your private showing today!

3. 2026-05-09
   listed $215,000 Active 1167-char remark

   Show marketing remark (1167 chars)

   Enjoy picturesque mountain views from this spacious 3-bedroom, 2-bath semi-detached home located on the east side of Jim Thorpe Borough! The main level features a inviting living room and dining room that flow seamlessly into a generously sized eat-in kitchen which is perfect for entertaining or everyday living. A convenient full bathroom with first-floor laundry is located just off the kitchen, along with a private side entrance for easy access. Relax and unwind on the covered front porch or enjoy outdoor living in the fenced backyard, ideal for relaxing, pets, or outdoor activities. Upstairs, you'll find three comfortable bedrooms and a second full bathroom. The walk-up attic offers flexible bonus space or additional storage, while the walk-out basement provides direct access to the rear yard. Ideally situated just minutes from downtown Jim Thorpe, shopping, dining, and outdoor recreation, this home is close to the D & L Trail, Mauch Chunk Lake Park, Lehigh River whitewater rafting, and more. Convenient access to Route 209, Route 903, and Interstate 476 makes commuting a breeze. Don't miss this opportunity! Schedule your private showing today!

4. 2026-05-09
   listed $215,000 Active

   Show marketing remark (1167 chars)

   Enjoy picturesque mountain views from this spacious 3-bedroom, 2-bath semi-detached home located on the east side of Jim Thorpe Borough! The main level features a inviting living room and dining room that flow seamlessly into a generously sized eat-in kitchen which is perfect for entertaining or everyday living. A convenient full bathroom with first-floor laundry is located just off the kitchen, along with a private side entrance for easy access. Relax and unwind on the covered front porch or enjoy outdoor living in the fenced backyard, ideal for relaxing, pets, or outdoor activities. Upstairs, you'll find three comfortable bedrooms and a second full bathroom. The walk-up attic offers flexible bonus space or additional storage, while the walk-out basement provides direct access to the rear yard. Ideally situated just minutes from downtown Jim Thorpe, shopping, dining, and outdoor recreation, this home is close to the D & L Trail, Mauch Chunk Lake Park, Lehigh River whitewater rafting, and more. Convenient access to Route 209, Route 903, and Interstate 476 makes commuting a breeze. Don't miss this opportunity! Schedule your 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: $1,830 · $153/mo
• Projected year-2 tax: $2,614 · $218/mo
• Expected delta: +$783/yr (+$65/mo · 42.8%)

ⓘ 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 ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $21,075
• − Mortgage interest: −$12,043
• − Property taxes: −$1,830
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,686
• − Management: −$1,686
• − Depreciation: −$6,255
• Taxable loss: −$3,500
• Est. tax savings @ 24.0%: +$840
• After-tax cash flow: $1,054/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: Jim Thorpe Area SD
• NCES district ID: 4212540
• Math proficiency: 25% ▼ -12.00%
• Reading proficiency: 47% ▼ -11.00%
• Median HH income: $53,476
• Composite: 31.42/100
• National rank: #5988
• State rank: #394 of 539 in PA

Livability — Jim Thorpe

• Score: 71/100
• State rank: #675
• US rank: #6588

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jim Thorpe, PA
• County: Carbon County · 13,404 people
• City population: 9,248
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• Population (ZIP): 9,248
• Household income: $66,875
• Rent vs Own: 12.1% rent · 87.9% own
• Severe rent burden: 192.0

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: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 5% Two or more races 5%
• Common ancestry: Romanian 6% Iranian 5% Lithuanian 3%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 4% Russian/Polish/Slavic 0%

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: ▼ -57.52%
• Current HPI: 204.2201
• 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

+0.0% since first listed

4 events — show timeline

• 2026-05-15 Pending — PMAR
• 2026-05-15 Pending — GLVRMLS
• 2026-05-09 Listed $215,000 GLVRMLS
• 2026-05-09 Listed $215,000 PMAR

Property tax history

+2.6%/yr

Latest (2026): $1,830 · +7.0% YoY. Source: county tax records.