1151 Poplar St · Kulpmont, PA 17834

$65,000

2 bd · 1.0 ba · 1,157 sqft · Other · 155 Days on market

Built 1900 2,178 sqft lot $56/sqft · 7% above area Est $61k · 7% over ↓ 13% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.4/10.0
• ARV discount +4.6/15.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0

Listing remarks MLS

Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

Key facts

• Aoaa park
• Solar panels
• Minutes from walmart

Tags

• SOLAR PANELS
• DETACHED GARAGE
• MINUTES FROM WALMART
• AOAA PARK

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $65k.

Deal economics

• At list price, monthly cash flow is $369 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $65k).
• Recommended offer: $57k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#581 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, schools F, amenities F.
• Mount Carmel Area SD (town): math 20% / reading 37% proficiency, ranked #455 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 13 active listings in the ZIP; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($449 loan paydown + $2k appreciation (2.8% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.8% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 155 days — a 12% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $57,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 155 days. Have you received any prior offers? Is the seller open to a 12% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.55% ✓
• Cap rate: 13.11%
• Cash-on-cash: 24.35%
• DSCR: 2.08
• GRM: 5.4

CMA / ARV

• ARV (median comp): $61,013
• List price: $65,000
• Delta: 6.53%
• Verdict: FAIR
• Comps: 7 within 1.0 mi

Projected returns pro-forma

2.76% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.0%
• Equity multiple: 2.68×
• Total profit: $30,523
• Equity at exit: $28,340

10-year hold

• IRR: 30.6%
• Equity multiple: 5.22×
• Total profit: $76,748
• Equity at exit: $42,999

Cash invested: $18,200 (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 17834

• Home prices YoY: 2.3%
• Active inventory: 13
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,008 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$59 /mo · $711/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$212
• Net cashflow: $369

Break-even live

Break-even rent $541

Max offer price $65,000

Occupancy floor 58%

Sensitivity live

Price	-10% $406	-5% $388	+0% $369	+5% $351	+10% $333
Rent	-10% $290	-5% $330	+0% $369	+5% $409	+10% $449
Rate	-1.0pp $402	-0.5pp $386	base $369	+0.5pp $353	+1.0pp $335

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-21
   days on market $65,000 Active 155 DOM
2. 2026-06-18
   days on market $65,000 Active 153 DOM
3. 2026-06-17
   days on market $65,000 Active 152 DOM
4. 2026-06-16
   days on market $65,000 Active 151 DOM
5. 2026-06-15
   days on market $65,000 Active 150 DOM
6. 2026-06-13
   days on market $65,000 Active 148 DOM
7. 2026-06-12
   days on market $65,000 Active 147 DOM
8. 2026-06-09
   days on market $65,000 Active 144 DOM
9. 2026-06-08
   days on market $65,000 Active 143 DOM
10. 2026-06-08
    days on market $65,000 Active 142 DOM
11. 2026-06-07
    days on market $65,000 Active 141 DOM
12. 2026-06-04
    days on market $65,000 Active 138 DOM
13. 2026-06-02
    days on market $65,000 Active 137 DOM
14. 2026-06-01
    days on market $65,000 Active 136 DOM
15. 2026-05-31
    days on market $65,000 Active 135 DOM
16. 2026-03-18
    price $65,000 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

17. 2026-03-05
    price $65,000 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

18. 2026-02-26
    price $68,700 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

19. 2026-02-03
    price $68,700 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

20. 2026-01-28
    price $69,900 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

21. 2026-01-16
    listed $75,000 Active 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

22. 2026-01-16
    listed $75,000 Active 342-char remark

    Show marketing remark (342 chars)

    Welcome to Kulpmont, here is an affordable 1/2 double with 2 bedrooms and 1 bath with a detached 1 car garage. A great plus with this home is the solar panels located on the garage roof to make it even more affordable. Located minutes from Walmart and many other shopping places as well as the AOAA park and a good selection of places to eat.

ⓘ 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: $711 · $59/mo
• Projected year-2 tax: $869 · $72/mo
• Expected delta: +$158/yr (+$13/mo · 22.2%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $12,099
• − Mortgage interest: −$3,641
• − Property taxes: −$711
• − Insurance: −$325
• − Repairs & maintenance: −$968
• − Management: −$968
• − Depreciation: −$1,891
• Taxable income: $3,596
• Est. tax owed @ 24.0%: −$863
• After-tax cash flow: $3,569/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: Mount Carmel Area SD
• NCES district ID: 4215990
• Math proficiency: 20% ▼ -18.00%
• Reading proficiency: 37% ▼ -15.00%
• Median HH income: $35,195
• Composite: 23.48/100
• National rank: #7876
• State rank: #455 of 539 in PA

Livability — Kulpmont

• Score: 73/100
• State rank: #581
• US rank: #5591

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kulpmont, PA
• Population (ZIP): 3,525

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 7% Two or more races 5% Asian 4%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Romanian 24% Iranian 8% Scotch-Irish 3%
• Foreign-born: 3% · China
• Languages at home: 95% English-only · Chinese 2% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.76%
• Current HPI: 121.4505
• 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

-13.3% since first listed

7 events — show timeline

• 2026-03-18 Price Changed $65,000 BRIGHT MLS
• 2026-03-05 Price Changed $65,000 CSVBR
• 2026-02-26 Price Changed $68,700 BRIGHT MLS
• 2026-02-03 Price Changed $68,700 CSVBR
• 2026-01-28 Price Changed $69,900 CSVBR
• 2026-01-16 Listed $75,000 CSVBR
• 2026-01-16 Listed $75,000 BRIGHT MLS

Property tax history

+2.6%/yr

Latest (2026): $711 · +1.7% YoY. Source: county tax records.