1645 W Market St · Pottsville, PA 17901

$85,000

4 bd · 1.0 ba · 1,462 sqft · Townhouse public records · 17 Days on market

Built 1929 1,742 sqft lot Est $135k · 37% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

Attention Investors & Portfolio Builders! Exceptional value awaits at 1645 W Market St. This solid brick row home currently features 3 spacious bedrooms, plus a fully heated attic with massive potential to easily become a 4th bedroom or bonus suite. With an updated kitchen and plenty of storage, this property has all the bones to become a premium, high-yield rental. Being sold strictly AS-IS, it’s priced perfectly for an investor looking to put on the finishing touches and maximize cash flow in the Pottsville market. Schedule your showing today!

Key facts

• Fully heated attic
• Plenty of storage
• Updated kitchen

Tags

• SOLID BRICK ROW HOME
• FULLY HEATED ATTIC
• UPDATED KITCHEN
• PLENTY OF STORAGE
• PREMIUM HIGH-YIELD RENTAL

Property features AI

Finance

• Financial info: Total actual rent reported: $12,000

Exterior

• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Combination construction materials; Block foundation; Above-grade and below-grade structures; Estimated year built
• Exterior features: Not in a federal flood zone; Ground rent paid annually; No tidal water

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom (all upper levels)
• Heating & cooling: Radiator heating; Oil-fired heat; Electric hot water
• Interior features: Estimated living area; Basement: combination

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath townhouse listed at $85k.

Deal economics

• At list price, monthly cash flow is $601 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $85k).
• Recommended offer: $84k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.8% 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.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 10 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 $588 of loan paydown is wiped out by about $3k 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 $24k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y 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.

Risks & watch-outs

• Watch-outs: built in 1929 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $83,725 (1.5% below list)

Questions for the listing agent

1. Built in 1929 — 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. 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: 1.83% ✓
• Cap rate: 14.78%
• Cash-on-cash: 30.32%
• DSCR: 2.35
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $134,504
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1749 West End Ave	0.13mi	3/2.0 (-1)	1,448 (-1%)	10mo	$132,500	$92	75
1531 W Market St	0.13mi	3/1.0 (-1)	1,368 (-6%)	10mo	$143,000	$105	70
1541 W Norwegian St	0.12mi	3/1.5 (-1)	1,540 (+5%)	11mo	$135,000	$88	70
1533 W Market St	0.13mi	3/1.0 (-1)	1,360 (-7%)	10mo	$150,000	$110	70
1222 W Market St W	0.44mi	3/1.0 (-1)	1,456 (-0%)	5mo	$130,000	$89	69
2107 W Market St	0.55mi	5/1.0 (+1)	1,500 (+3%)	7mo	$145,000	$97	59
328 N 12th St	0.54mi	3/1.5 (-1)	1,398 (-4%)	7mo	$88,000	$63	54
292 N 8th St	0.67mi	3/1.0 (-1)	1,527 (+4%)	6mo	$58,000	$38	51
1971 W Norwegian St	0.35mi	4/1.5	1,648 (+13%)	11mo	$160,201	$97	51
9 N 22nd St	0.71mi	3/1.5 (-1)	1,534 (+5%)	1mo	$170,000	$111	51
1017 Laurel Blvd	0.58mi	3/1.0 (-1)	1,596 (+9%)	6mo	$50,000	$31	47
801 W Norwegian St	0.70mi	3/1.0 (-1)	1,356 (-7%)	12mo	$60,000	$44	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: 28.1%
• Equity multiple: 2.22×
• Total profit: $28,919
• Equity at exit: $12,674

10-year hold

• IRR: 37.2%
• Equity multiple: 4.93×
• Total profit: $93,551
• Equity at exit: $7,349

Cash invested: $23,800 (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: 4.5×

Monthly cashflow live

• Estimated rent: $1,558 high
• Mortgage (P&I): −$446
• Tax from tax record: −$149 /mo · $1,784/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$327
• Net cashflow: $601

Break-even live

Break-even rent $797

Max offer price $85,000

Occupancy floor 56%

Sensitivity live

Price	-10% $649	-5% $625	+0% $601	+5% $577	+10% $553
Rent	-10% $478	-5% $540	+0% $601	+5% $663	+10% $724
Rate	-1.0pp $644	-0.5pp $623	base $601	+0.5pp $579	+1.0pp $557

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	44d	1	0.49mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	0.57mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	44d	1	0.57mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.70mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.92mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	44d	1	1.01mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	44d	1	1.27mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	44d	1	1.34mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	44d	1	1.36mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	1.48mi

Listing history 13 events

1. 2026-06-19
   days on market $85,000 Active 17 DOM
2. 2026-06-18
   days on market $85,000 Active 16 DOM
3. 2026-06-17
   days on market $85,000 Active 15 DOM
4. 2026-06-16
   days on market $85,000 Active 14 DOM
5. 2026-06-15
   days on market $85,000 Active 13 DOM
6. 2026-06-14
   days on market $85,000 Active 11 DOM
7. 2026-06-12
   days on market $85,000 Active 10 DOM
8. 2026-06-09
   days on market $85,000 Active 7 DOM
9. 2026-06-08
   days on market $85,000 Active 6 DOM
10. 2026-06-07
    days on market $85,000 Active 5 DOM
11. 2026-06-07
    days on market $85,000 Active 4 DOM
12. 2026-06-03
    remarks 553-char remark
13. 2026-06-03
    listed $85,000 Active 1 DOM

ⓘ 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: $1,784 · $149/mo
• Projected year-2 tax: $1,784 · $149/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 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: $18,701
• − Mortgage interest: −$4,761
• − Property taxes: −$1,784
• − Insurance: −$425
• − Repairs & maintenance: −$1,496
• − Management: −$1,496
• − Depreciation: −$2,473
• Taxable income: $6,265
• Est. tax owed @ 24.0%: −$1,504
• After-tax cash flow: $5,712/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

+41.9% since first listed

10 events — show timeline

• 2026-06-02 Listed $85,000 BRIGHT MLS
• 2023-05-09 Sold (Public Records) $147,847 Public Records
• 2016-01-22 Listing Removed — BRIGHT MLS
• 2014-12-12 Listing Removed — BRIGHT MLS
• 2014-07-23 Listed $54,900 BRIGHT MLS
• 2014-07-17 Listed $54,900 BRIGHT MLS
• 2008-07-15 Sold (Public Records) $59,900 Public Records
• 2008-07-15 Sold (MLS) $59,900 BRIGHT MLS
• 2008-05-24 Listing Removed — BRIGHT MLS
• 2008-05-24 Listed $59,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,784 · +8.6% YoY. Source: county tax records.