120-122 N Line St · Girardville, PA 17935

$79,900

3 bd · 1.0 ba · 788 sqft · SingleFamily public records · 230 Days on market

Built 1900 6,969 sqft lot $101/sqft · 185% above area Est $95k · 16% under

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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 +29.6/30.0
• ARV discount +14.6/15.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Appreciation +6.5/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

2 Unit Apartment Building in Girardville PA. New Roof in 2025!!!! Sale includes 2 seperate homes & 3 total parcels. North Schuylkill Schools. Close proximity to routes 54, 61 & 81 for travel. Strong income potential. Add to your investment portfolio. Call today for details!

Key facts

• New roof
• 6,969 sq ft lot
• 2 parking spots

Tags

• NEW ROOF
• STRONG INCOME POTENTIAL
• CLOSE PROXIMITY TO ROUTES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $-172 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $50k (38.0% below list).
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $50k (38.0% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 64/100 on livability (#1,185 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 8 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($552 loan paydown + $2k appreciation (3.1% local appreciation)).
• 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 230 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $50k; list at $80k implies a 60% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,540 (38.0% 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 230 days. Have you received any prior offers? Is the seller open to a 38% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.25% ✓
• Cap rate: 10.63%
• Cash-on-cash: 15.48%
• DSCR: 1.69
• GRM: 6.7

CMA / ARV

• ARV (median comp): $94,927
• List price: $79,900
• Delta: -15.83%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Projected returns pro-forma

3.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.6%
• Equity multiple: 0.96×
• Total profit: $-815
• Equity at exit: $36,181

10-year hold

• IRR: 3.6%
• Equity multiple: 1.56×
• Total profit: $12,523
• Equity at exit: $55,957

Cash invested: $22,372 (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 17935

• Home prices YoY: 1.5%
• Active inventory: 8
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,000 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$49 /mo · $590/yr
• Insurance: −$33
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$210
• Net cashflow: $-172

Break-even live

Break-even rent $1,218

Max offer price $49,540

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 E Main St Unit 1B Girardville, PA	2.0	1.0	900	$1,000	$1.11	44d	1	0.13mi

Listing history 28 events

1. 2026-06-19
   days on market $79,900 Active 230 DOM
2. 2026-06-18
   days on market $79,900 Active 229 DOM
3. 2026-06-17
   days on market $79,900 Active 228 DOM
4. 2026-06-16
   days on market $79,900 Active 227 DOM
5. 2026-06-15
   days on market $79,900 Active 226 DOM
6. 2026-06-14
   days on market $79,900 Active 224 DOM
7. 2026-06-12
   days on market $79,900 Active 223 DOM
8. 2026-06-09
   days on market $79,900 Active 220 DOM
9. 2026-06-08
   days on market $79,900 Active 219 DOM
10. 2026-06-07
    days on market $79,900 Active 218 DOM
11. 2026-06-07
    days on market $79,900 Active 217 DOM
12. 2026-06-04
    days on market $79,900 Active 214 DOM
13. 2026-06-02
    days on market $79,900 Active 213 DOM
14. 2026-06-01
    days on market $79,900 Active 212 DOM
15. 2026-05-31
    days on market $79,900 Active 211 DOM
16. 2026-05-31
    days on market $79,900 Active 210 DOM
17. 2026-04-30
    price $84,900 288-char remark

    Show marketing remark (288 chars)

    2 Unit Apartment Building in Girardville PA. New Roof in 2025!!!! Sale includes 2 seperate homes & 3 total parcels. North Schuylkill Schools. Close proximity to routes 54, 61 & 81 for travel. Strong income potential. Add to your investment portfolio. Call today for details!

18. 2025-12-20
    price $89,900 288-char remark

    Show marketing remark (288 chars)

    2 Unit Apartment Building in Girardville PA. New Roof in 2025!!!! Sale includes 2 seperate homes & 3 total parcels. North Schuylkill Schools. Close proximity to routes 54, 61 & 81 for travel. Strong income potential. Add to your investment portfolio. Call today for details!

19. 2025-11-01
    listed $99,900 Active 288-char remark

    Show marketing remark (288 chars)

    2 Unit Apartment Building in Girardville PA. New Roof in 2025!!!! Sale includes 2 seperate homes & 3 total parcels. North Schuylkill Schools. Close proximity to routes 54, 61 & 81 for travel. Strong income potential. Add to your investment portfolio. Call today for details!

20. 2025-07-10
    soldstatus $50,000 Closed 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

21. 2025-06-19
    status Pending 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

22. 2025-05-28
    price $55,000 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

23. 2025-04-25
    price $60,000 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

24. 2025-04-07
    price $65,000 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

25. 2025-03-17
    price $75,000 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

26. 2025-03-05
    price $85,000 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

27. 2025-02-21
    listed $100,000 Active 853-char remark

    Show marketing remark (853 chars)

    Sellers are highly motivated, make an offer. Welcome to 120-122 N Line St. This property was in the process of turning one house back into two with the purpose of becoming two rentals. You are getting two houses for the price of one! House 120 has 3 bedrooms and 1 bathroom and house 122 has 3 bedrooms and 1.5 bathrooms. Construction has started on both houses. Cleanup and clean out has been completed. House 122 has electric baseboard heaters that have not been tested and house 120 was in the process of adding electric baseboards for heat. The pitched rear roof was replaced January 2025. Any and all offers are welcome. The current investors are l working on another larger project and don’t have time for this property at the current moment. Rent in this area is around $1000 per month for each home. Contact me with any and all interest.

28. 2024-06-24
    soldstatus $74,000

ⓘ 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: $590 · $49/mo
• Projected year-2 tax: $926 · $77/mo
• Expected delta: +$336/yr (+$28/mo · 57.0%)

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

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 8 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $12,000
• − Mortgage interest: −$4,476
• − Property taxes: −$590
• − Insurance: −$5,924
• − Repairs & maintenance: −$960
• − Management: −$960
• − Depreciation: −$2,324
• Taxable loss: −$3,234
• Est. tax savings @ 24.0%: +$776
• After-tax cash flow: $-1,286/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Girardville

• Score: 64/100
• State rank: #1185
• US rank: #13883

Category grades

Amenities F Commute F 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: Girardville, PA
• City population: 1,359
• Population (ZIP): 1,359

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 (98%)
• Race & ethnicity: White 98% Two or more races 1%
• Common ancestry: Romanian 10% Iranian 5% Polish 4%
• Foreign-born: 0%
• Languages at home: 98% English-only · Other Indo-European 1% Spanish 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: ▲ 3.06%
• Current HPI: 213.0332
• 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

+14.7% since first listed

12 events — show timeline

• 2026-04-30 Price Changed $84,900 BRIGHT MLS
• 2025-12-20 Price Changed $89,900 BRIGHT MLS
• 2025-11-01 Listed $99,900 BRIGHT MLS
• 2025-07-10 Sold (MLS) $50,000 BRIGHT MLS
• 2025-06-19 Pending — BRIGHT MLS
• 2025-05-28 Price Changed $55,000 BRIGHT MLS
• 2025-04-25 Price Changed $60,000 BRIGHT MLS
• 2025-04-07 Price Changed $65,000 BRIGHT MLS
• 2025-03-17 Price Changed $75,000 BRIGHT MLS
• 2025-03-05 Price Changed $85,000 BRIGHT MLS
• 2025-02-21 Listed $100,000 BRIGHT MLS
• 2024-06-24 Sold (Public Records) $74,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $590 · +9.3% YoY. Source: county tax records.