530 Auburn St · Allentown, PA 18103

$199,900

3 bd · 2.0 ba · 1,540 sqft · Townhouse public records · 6 Days on market

Built 1875 3,360 sqft lot $130/sqft · 34% below area Est $301k · 34% under

---

Why this score? — see what drove the C+ 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 +22.1/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +5.4/10.0
• Rent growth +4.3/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Priced to sell the home next door is listed for 115,900 and this home has a two lot yard. For a low price and a little work you will get alot more home.

Key facts

• New kitchen flooring
• Fresh interior paint
• Fresh exterior paint

Tags

• FRESH INTERIOR PAINT
• FRESH EXTERIOR PAINT
• NEW KITCHEN FLOORING
• NEW NATURAL GAS HEATING SYSTEM
• FRESH ROOF COATING
• 200AMP ELECTRICAL SERVICE

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer; 200+ amp electric service with circuit breakers
• Home design: 3-story property; Above-grade finished living area
• Construction: Stucco exterior; Asphalt, fiberglass and rolled/hot-mop roofing
• Exterior features: Lot zoned R-Mh (Medium High Density)

Interior

• Kitchen: Gas oven; Refrigerator
• Bedrooms: Bedroom on the fourth level (approx. 12 x 11)
• Flooring: Carpet; Vinyl
• Bathrooms: Two full bathrooms
• Heating & cooling: Gas heating
• Interior features: Dining area with a separate/formal dining room; Partially finished basement with exterior entry and walk-out access
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $200k.

Deal economics

• At list price, monthly cash flow is $321 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 8.2% vs local median 5.3% in Allentown — 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 81/100 on livability (#171 in PA, #1,440 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D.
• Allentown City SD (urban): math 10% / reading 20% proficiency, ranked #513 of 539 in PA (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 73% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Jefferson El Sch (math 8%, 524 students, 100% FRL); South Mountain Ms (math 3% / reading 15%, grade F, #502 of 512 statewide, top 98%, 1,007 students, 100% FRL); William Allen Hs (math 29% / reading 10%, grade F, #392 of 437 statewide, top 90%, 2,852 students, 87% FRL) — zoned schools average 96% FRL vs 73% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+7.0%/yr); 162 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 765 units permitted in Lehigh County in 2024 (286 in 5+ unit buildings).
• This rent runs 34% of the median local income ($73k/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.
• Lehigh County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 7.0% rent growth), your $56k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 23y ago 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.
• Current owner paid $45k; list at $200k implies a 344% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1875 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $199,900

Questions for the listing agent

1. Built in 1875 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.04% ✓
• Cap rate: 8.22%
• Cash-on-cash: 6.89%
• DSCR: 1.31
• GRM: 8.0

CMA / ARV

• ARV (median comp): $300,603
• List price: $199,900
• Delta: -40.15%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
518 Auburn St	0.02mi	3/2.0	1,568 (+2%)	1mo	$175,000	$112	96
304 Barber St Lot 40	0.31mi	3/2.5	1,505 (-2%)	2mo	$350,000	$233	78
303 Barber St Lot 41	0.33mi	3/2.5	1,505 (-2%)	4mo	$350,000	$233	76
907 S 4th St	0.35mi	3/1.5	1,560 (+1%)	6mo	$246,000	$158	74
608 Saint John St	0.20mi	4/1.0 (+1)	1,626 (+6%)	5mo	$215,000	$132	69
430 Auburn St	0.13mi	4/1.0 (+1)	1,728 (+12%)	5mo	$230,000	$133	61
809 S Front St	0.63mi	3/1.5	1,620 (+5%)	6mo	$230,000	$142	55
727 S 11th St	0.60mi	3/1.5	1,710 (+11%)	2mo	$290,000	$170	50
805 S 10th St	0.51mi	4/1.0 (+1)	1,376 (-11%)	0mo	$207,000	$150	49
939 S Filmore St	0.66mi	3/2.0	1,352 (-12%)	7mo	$235,000	$174	43
1040 Spring Garden St	0.70mi	4/1.0 (+1)	1,732 (+12%)	4mo	$231,900	$134	34
948 W Maple St	0.68mi	4/1.0 (+1)	1,332 (-14%)	3mo	$210,000	$158	34

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 · 7.05% rent growth · sell at horizon

5-year hold

• IRR: -1.4%
• Equity multiple: 0.94×
• Total profit: $-3,101
• Equity at exit: $29,806

10-year hold

• IRR: 12.1%
• Equity multiple: 2.13×
• Total profit: $63,004
• Equity at exit: $17,284

Cash invested: $55,972 (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 18103

• Rents YoY: 7.0%
• Active inventory: 162
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,080 high
• Mortgage (P&I): −$1,048
• Tax from tax record: −$191 /mo · $2,286/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $321

Break-even live

Break-even rent $1,674

Max offer price $199,900

Occupancy floor 80%

Sensitivity live

Price	-10% $435	-5% $378	+0% $321	+5% $265	+10% $208
Rent	-10% $157	-5% $239	+0% $321	+5% $404	+10% $486
Rate	-1.0pp $422	-0.5pp $372	base $321	+0.5pp $270	+1.0pp $217

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
644 Lehigh St Allentown, PA	3.0	1.0	1714	$2,250	$1.31	45d	1	0.14mi
748 S Hall St Unit 1 Allentown, PA	3.0	1.5	1183	$2,000	$1.69	25d	1	0.23mi
314 Barber St Lot 35 Allentown, PA	3.0	2.5	1525	$2,450	$1.61	20d	1	0.30mi
520 W Cumberland St Allentown, PA	1.0–2.0	1.0–2.0	929	$2,293	$2.47	4d	13	0.33mi
830 W Susquehanna St #814 Allentown, PA	2.0	1.5	1200	$1,625	$1.35	4d	1	0.51mi
146 W Susquehanna St Allentown, PA	2.0	1.5	1200	$1,995	$1.66	15d	1	0.63mi
45 N 6th St Allentown, PA	2.0	1.0–2.0	1002	$3,616	$3.61	4d	13	0.67mi
26 N 6th St Allentown, PA	1.0–2.0	1.0–2.0	953	$2,224	$2.33	4d	9	0.68mi
27 N 7th St Allentown, PA	2.0	1.0–2.0	840	$2,222	$2.64	4d	11	0.70mi
835 Hamilton St Unit 424 Allentown, PA	2.0	2.0	1411	$2,625	$1.86	15d	1	0.70mi
835 Hamilton St Unit 608 Allentown, PA	2.0	2.0	1411	$2,725	$1.93	15d	1	0.70mi
835 Hamilton St Unit 409 Allentown, PA	2.0	2.0	1052	$2,374	$2.26	20d	1	0.70mi
835 Hamilton St Unit 509 Allentown, PA	2.0	2.0	1052	$2,399	$2.28	20d	1	0.71mi
948 W Maple St Allentown, PA	4.0	1.0	1932	$2,300	$1.19	45d	1	0.71mi
932 W Hamilton St Allentown, PA	2.0	1.0–2.0	862	$2,350	$2.73	4d	15	0.72mi
107 N 7th St Allentown, PA	2.0	1.0–2.0	855	$2,972	$3.47	4d	23	0.73mi
1324 S Fountain St Unit 2 Allentown, PA	2.0	1.0	1100	$1,550	$1.41	45d	1	0.74mi
827 Linden St Unit 829-1 Allentown, PA	2.0	2.0	1200	$1,495	$1.25	22d	1	0.78mi
829 Linden St Apt 1 Rear Allentown, PA	2.0	2.0	1200	$1,495	$1.25	25d	1	0.78mi
1010 W Hamilton St Allentown, PA	1.0–2.0	1.0–2.0	943	$2,022	$2.14	4d	6	0.79mi
1324 S 10th St Allentown, PA	2.0	1.0	1150	$1,995	$1.73	4d	1	0.79mi
1012 Constitution Dr Allentown, PA	2.0	1.0	1400	$1,495	$1.07	25d	1	0.79mi
1332 S 10th St Allentown, PA	2.0	1.0	1150	$1,995	$1.73	4d	1	0.81mi
832 Chestnut St Allentown, PA	3.0	1.0	1124	$2,100	$1.87	25d	1	0.81mi
1340 S 10th St Allentown, PA	2.0	1.0	1150	$1,895	$1.65	22d	1	0.82mi
144 S 12th St Allentown, PA	4.0	2.0	1242	$2,000	$1.61	4d	1	0.84mi
389 W Turner St Allentown, PA	4.0	1.5	2144	$2,400	$1.12	4d	1	0.84mi
626 Oak St Allentown, PA	3.0	1.0	1396	$1,900	$1.36	45d	1	0.85mi
209 N Eighth St Apt 2 Allentown, PA	3.0	1.0	1430	$1,550	$1.08	45d	1	0.86mi
1036 Linden St #2 Allentown, PA	2.0	1.0	1200	$1,600	$1.33	4d	1	0.89mi
622 W Chew St Unit 2 Allentown, PA	3.0	1.0	1161	$1,600	$1.38	20d	1	0.89mi
1039 E St Unit Linden St unit Apt Allentown, PA	2.0	1.0	1200	$1,500	$1.25	25d	1	0.92mi
111 Ridge Ave Allentown, PA	4.0	1.0	1658	$1,650	$1.00	45d	1	0.95mi
201 N 3rd St Allentown, PA	2.0	2.0	1145	$2,128	$1.86	4d	4	0.96mi
347 N 7th St Apt 3 Allentown, PA	3.0	1.0	1200	$1,500	$1.25	45d	1	1.00mi
208 Ridge Ave Allentown, PA	4.0	1.0	1396	$1,700	$1.22	25d	1	1.01mi
208 Ridge Ave Allentown, PA	4.0	1.0	1396	$1,600	$1.15	4d	1	1.01mi
407 N 4th St Allentown, PA	3.0	1.5	1321	$1,550	$1.17	25d	1	1.04mi
216 S 14th St Allentown, PA	4.0	1.5	1640	$2,300	$1.40	4d	1	1.04mi
828 W Gordon St Allentown, PA	4.0	2.5	1628	$2,250	$1.38	4d	1	1.04mi

Listing history 15 events

1. 2026-06-18
   days on market $199,900 Active 6 DOM
2. 2026-06-17
   days on market $199,900 Active 5 DOM
3. 2026-06-16
   days on market $199,900 Active 4 DOM
4. 2026-06-15
   days on market $199,900 Active 3 DOM
5. 2026-06-14
   pricestatusdays on marketlisting id $199,900 Active 1 DOM
6. 2026-05-04
   status Pending 924-char remark
7. 2026-03-17
   price $179,900 924-char remark
8. 2026-03-03
   listed $180,000 Active 924-char remark
9. 2009-11-13
   soldstatus $45,000
10. 2009-11-07
    soldstatus $45,000 152-char remark

    Show marketing remark (152 chars)

    Priced to sell the home next door is listed for 115,900 and this home has a two lot yard. For a low price and a little work you will get alot more home.

11. 2009-07-27
    listed $62,900 152-char remark

    Show marketing remark (152 chars)

    Priced to sell the home next door is listed for 115,900 and this home has a two lot yard. For a low price and a little work you will get alot more home.

12. 2004-03-25
    historical
13. 2003-09-05
    listed $59,900
14. 2003-08-18
    soldstatus $30,011
15. 2003-06-27
    listed $39,000

ⓘ 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: $2,286 · $191/mo
• Projected year-2 tax: $2,722 · $227/mo
• Expected delta: +$436/yr (+$36/mo · 19.1%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 16% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,966
• − Mortgage interest: −$11,198
• − Property taxes: −$2,286
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,997
• − Management: −$1,997
• − Depreciation: −$5,815
• Taxable income: $673
• Est. tax owed @ 24.0%: −$161
• After-tax cash flow: $3,696/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: Allentown City SD
• NCES district ID: 4202280
• Math proficiency: 10% ▼ -10.00%
• Reading proficiency: 20% ▼ -15.00%
• Median HH income: $36,337
• Composite: 12.43/100
• National rank: #9630
• State rank: #513 of 539 in PA

Livability — Allentown

• Score: 81/100
• State rank: #171
• US rank: #1440

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Allentown, PA
• County: Lehigh County · 333,019 people
• City population: 172,996
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• Population (ZIP): 48,746
• Household income: $72,895
• Rent vs Own: 36.9% rent · 63.1% own
• Severe rent burden: 1792.0

Population outlook (Lehigh County) Hauer SSP2

• Today (2025): 392,957 people
• By 2030: 408,319 · +3.9%
• By 2040: 440,007 · +12.0%
• By 2050: 475,940 · +21.1%
• By 2075: 590,448 · +50.3%
• By 2100: 690,314 · +75.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 46% Hispanic / Latino 38% Two or more races 15% Black 9% Asian 3% Native American 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 15% Dominican 13%
• Common ancestry: Romanian 3% Polish 3% Iranian 1%
• Foreign-born: 19% · Canada, Jamaica, Vietnam
• Languages at home: 64% English-only · Spanish 30% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Lehigh

• 2024 margin: Toss-up / Even · D 50.7% · R 48.0% · Other 1.2%
• 2008→2024 swing: -12.9pp toward R · 2008: 15.6pp · 2024: 2.7pp
• All cycles: 2024: D+2.7 2020: D+7.6 2016: D+4.4 2012: D+7.5 2008: D+15.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -358.28%
• Current HPI: 298.1512
• Rent YoY: ▲ 7.05%
• 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

+412.6% since first listed

12 events — show timeline

• 2026-06-13 Listed $199,900 GLVRMLS
• 2026-05-04 Pending — GLVRMLS
• 2026-05-01 Listing Removed — GLVRMLS
• 2026-03-17 Price Changed $179,900 GLVRMLS
• 2026-03-03 Listed $180,000 GLVRMLS
• 2009-11-13 Sold (Public Records) $45,000 Public Records
• 2009-11-07 Sold (MLS) $45,000 GLVRMLS
• 2009-07-27 Listed $62,900 GLVRMLS
• 2004-03-25 Listing Removed — GLVRMLS
• 2003-09-05 Listed $59,900 GLVRMLS
• 2003-08-18 Sold (MLS) $30,011 GLVRMLS
• 2003-06-27 Listed $39,000 GLVRMLS

Property tax history

-1.5%/yr

Latest (2026): $2,286 · +0.9% YoY. Source: county tax records.