521 W Norwegian St · Pottsville, PA 17901

$109,000

5 bd · 2.0 ba · 1,814 sqft · SingleFamily public records · 60 Days on market

Built 1900 2,178 sqft lot $60/sqft · 21% above area Est $94k · 15% over

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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 +30.0/30.0
• 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
• ARV discount +0.5/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious 5-Bedroom Investment Opportunity with Reliable Rental Income or Owner Occupy property. This generously sized 5-bedroom, 2 full bath home offers an excellent opportunity for both investors and owner-occupants alike. Currently tenant-occupied on a month-to-month lease at $1,300 per month, the tenants would love to stay—providing immediate income potential from day one. The home features important updates, including a durable rubber roof and newer windows, helping to reduce maintenance concerns. A detached one-car garage with an automatic opener adds convenience and additional value. Enjoy the efficiency of affordable natural gas heat and hot water, keeping utility costs manageable year-round. Whether you're looking to expand your rental portfolio or settle into a spacious home with income flexibility, this property checks all the boxes. Photos are from previous listing when vacant. Landlord electric per year $350. Water $130

Key facts

• Newer windows
• Durable rubber roof
• Automatic opener

Tags

• RELIABLE RENTAL INCOME
• DURABLE RUBBER ROOF
• NEWER WINDOWS
• DETACHED ONE CAR GARAGE
• AUTOMATIC OPENER
• AFFORDABLE NATURAL GAS HEAT

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $109k.

Deal economics

• At list price, monthly cash flow is $599 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $109k).
• Recommended offer: $106k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.9% 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; 5 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).
• This rent runs 33% of the median local income ($62k/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 $754 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 $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $11k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $90k; 21% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,730 (3.0% below list)

Questions for the listing agent

1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.56% ✓
• Cap rate: 12.89%
• Cash-on-cash: 23.56%
• DSCR: 2.05
• GRM: 5.3

CMA / ARV

• ARV (median comp): $94,414
• List price: $109,000
• Delta: 15.45%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
706 Schuylkill Ave	0.13mi	5/1.0	1,753 (-3%)	20mo	$165,000	$94	68
507 Harrison St	0.36mi	5/1.5	1,804 (-1%)	20mo	$75,000	$42	64
1228 Laurel Blvd	0.48mi	4/1.0 (-1)	1,753 (-3%)	7mo	$135,000	$77	57
401 W Race St	0.17mi	4/2.5 (-1)	1,636 (-10%)	16mo	$127,000	$78	55
401 Harrison St	0.37mi	4/1.5 (-1)	2,010 (+11%)	7mo	$142,000	$71	52
545 E Arch St	0.65mi	5/1.0	1,920 (+6%)	7mo	$124,900	$65	50
547 E Market St	0.64mi	4/1.5 (-1)	1,850 (+2%)	17mo	$151,000	$82	45
325 Morgan Ave	0.47mi	4/1.0 (-1)	2,056 (+13%)	2mo	$135,000	$66	45
307 N 4th St	0.20mi	4/1.0 (-1)	2,064 (+14%)	21mo	$65,900	$32	41
315 N George St	0.45mi	4/1.0 (-1)	1,600 (-12%)	16mo	$45,000	$28	37
601 Edwards Ave	0.64mi	4/1.5 (-1)	1,984 (+9%)	19mo	$169,000	$85	32
638 Edwards Ave	0.71mi	4/1.5 (-1)	1,632 (-10%)	21mo	$200,000	$123	26

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: 19.7%
• Equity multiple: 1.83×
• Total profit: $25,280
• Equity at exit: $16,252

10-year hold

• IRR: 29.8%
• Equity multiple: 4.01×
• Total profit: $91,853
• Equity at exit: $9,424

Cash invested: $30,520 (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: 5.3×

Monthly cashflow live

• Estimated rent: $1,703 high
• Mortgage (P&I): −$572
• Tax from tax record: −$129 /mo · $1,544/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $599

Break-even live

Break-even rent $944

Max offer price $109,000

Occupancy floor 60%

Sensitivity live

Price	-10% $661	-5% $630	+0% $599	+5% $568	+10% $538
Rent	-10% $465	-5% $532	+0% $599	+5% $667	+10% $734
Rate	-1.0pp $654	-0.5pp $627	base $599	+0.5pp $571	+1.0pp $542

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
517 W Norwegian St Pottsville, PA	5.0	1.5	2006	$1,500	$0.75	44d	1	0.02mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.25mi
1132 Mahantongo St Pottsville, PA	5.0	1.5	1569	$1,800	$1.15	44d	1	0.32mi
1344 W Norwegian St Unit NA Pottsville, PA	5.0	2.0	2500	$1,600	$0.64	44d	1	0.50mi
609 E Market St Pottsville, PA	6.0	2.5	1932	$1,500	$0.78	44d	1	0.74mi

Listing history 21 events

1. 2026-06-19
   days on market $109,000 Active 60 DOM
2. 2026-06-18
   days on market $109,000 Active 59 DOM
3. 2026-06-17
   days on market $109,000 Active 58 DOM
4. 2026-06-16
   days on market $109,000 Active 57 DOM
5. 2026-06-15
   days on market $109,000 Active 56 DOM
6. 2026-06-14
   days on market $109,000 Active 54 DOM
7. 2026-06-12
   days on market $109,000 Active 53 DOM
8. 2026-06-09
   days on market $109,000 Active 50 DOM
9. 2026-06-09
   price $109,000 Active 49 DOM
10. 2026-06-08
    days on market $120,000 Active 49 DOM
11. 2026-06-07
    days on market $120,000 Active 48 DOM
12. 2026-06-07
    days on market $120,000 Active 47 DOM
13. 2026-06-04
    days on market $120,000 Active 44 DOM
14. 2026-06-02
    days on market $120,000 Active 43 DOM
15. 2026-06-01
    days on market $120,000 Active 42 DOM
16. 2026-05-31
    days on market $120,000 Active 41 DOM
17. 2026-05-31
    days on market $120,000 Active 40 DOM
18. 2026-04-20
    listed $120,000 Active 952-char remark

    Show marketing remark (952 chars)

    Spacious 5-Bedroom Investment Opportunity with Reliable Rental Income or Owner Occupy property. This generously sized 5-bedroom, 2 full bath home offers an excellent opportunity for both investors and owner-occupants alike. Currently tenant-occupied on a month-to-month lease at $1,300 per month, the tenants would love to stay—providing immediate income potential from day one. The home features important updates, including a durable rubber roof and newer windows, helping to reduce maintenance concerns. A detached one-car garage with an automatic opener adds convenience and additional value. Enjoy the efficiency of affordable natural gas heat and hot water, keeping utility costs manageable year-round. Whether you're looking to expand your rental portfolio or settle into a spacious home with income flexibility, this property checks all the boxes. Photos are from previous listing when vacant. Landlord electric per year $350. Water $130

19. 2023-03-17
    soldstatus $90,000 Closed 353-char remark

    Show marketing remark (353 chars)

    Exceptionally well maintained property. 5 bedrooms, 2 full baths, clean gas hot water heat and hot water heater. Rubber roofs and upgraded windows. And then to top is off it has a detached easy access one car garage with opener. This house is truly move in condition and was owned and occupied the same family since the 50's. Don't miss out on this one.

20. 2023-03-03
    status Pending 353-char remark

    Show marketing remark (353 chars)

    Exceptionally well maintained property. 5 bedrooms, 2 full baths, clean gas hot water heat and hot water heater. Rubber roofs and upgraded windows. And then to top is off it has a detached easy access one car garage with opener. This house is truly move in condition and was owned and occupied the same family since the 50's. Don't miss out on this one.

21. 2023-02-24
    listed $74,900 Active 353-char remark

    Show marketing remark (353 chars)

    Exceptionally well maintained property. 5 bedrooms, 2 full baths, clean gas hot water heat and hot water heater. Rubber roofs and upgraded windows. And then to top is off it has a detached easy access one car garage with opener. This house is truly move in condition and was owned and occupied the same family since the 50's. Don't miss out on this one.

ⓘ 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: $1,544 · $129/mo
• Projected year-2 tax: $1,633 · $136/mo
• Expected delta: +$89/yr (+$7/mo · 5.8%)

ⓘ 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 5/10 Major 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $20,431
• − Mortgage interest: −$6,106
• − Property taxes: −$1,544
• − Insurance: −$545
• − Repairs & maintenance: −$1,634
• − Management: −$1,634
• − Depreciation: −$3,171
• Taxable income: $5,796
• Est. tax owed @ 24.0%: −$1,391
• After-tax cash flow: $5,801/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

+60.2% since first listed

4 events — show timeline

• 2026-04-20 Listed $120,000 BRIGHT MLS
• 2023-03-17 Sold (MLS) $90,000 BRIGHT MLS
• 2023-03-03 Pending — BRIGHT MLS
• 2023-02-24 Listed $74,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,544 · +8.6% YoY. Source: county tax records.