630 E Pine St · Mahanoy City, PA 17948

$79,900

3 bd · 1.0 ba · 978 sqft · SingleFamily public records · 28 Days on market

Built 1900 871 sqft lot $82/sqft · 106% above area

---

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
• ARV discount +7.5/15.0
• Appreciation +7.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0

Listing remarks MLS

Well Maintained home with up dates that include: plumbing windows, electric, full bath, fresh paint, some vinyl siding. Attic could be an additional bedroom, fenced patio in the rear.

Key facts

• Washer and dryer
• Generous storage
• Original details

Tags

• ORIGINAL DETAILS
• LARGE DINING AREA
• EXPANSIVE GALLEY KITCHEN
• GENEROUS STORAGE
• WASHER AND DRYER
• PARTIALLY FINISHED ATTIC

Property features AI

Finance

• HOA & community: Ground rent paid annually

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel; Oil heating fuel
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Property in good condition; Estimated year built
• Construction: Vinyl siding; Block foundation; Shingle roof; Above-grade structures present; Estimated above-grade finished area and below-grade unfinished area
• Exterior features: Rear yard; Sidewalks; Exterior lighting

Interior

• Kitchen: Single oven
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Hot water heating; Oil-fired heat; Window air conditioning units (electric)
• Interior features: Unfinished full basement; Exterior lighting; Sidewalks; Not furnished
• Laundry & utility: Main-floor laundry; Washer; Front-loading dryer; Oil hot water heater

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 $394 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $79k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#1,129 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: schools F, crime F, commute F.
• Mahanoy Area SD (town): math 11% / reading 30% proficiency, ranked #494 of 539 in PA (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 43 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($552 loan paydown + $3k appreciation (3.9% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.9% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $60k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 3.9% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $78,701 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.75% ✓
• Cap rate: 12.21%
• Cash-on-cash: 21.13%
• DSCR: 1.94
• GRM: 4.8

CMA / ARV

• ARV (median comp): $40,988
• List price: $79,900
• Delta: 94.93%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
828 E Railroad St	0.15mi	3/1.5	1,120 (+14%)	11mo	$64,900	$58	58

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 29.3%
• Equity multiple: 2.74×
• Total profit: $38,887
• Equity at exit: $40,234

10-year hold

• IRR: 29.0%
• Equity multiple: 5.41×
• Total profit: $98,631
• Equity at exit: $65,587

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 17948

• Home prices YoY: 1.7%
• Active inventory: 43
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,398 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$258 /mo · $3,096/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $394

Break-even live

Break-even rent $899

Max offer price $79,900

Occupancy floor 67%

Sensitivity live

Price	-10% $439	-5% $417	+0% $394	+5% $371	+10% $349
Rent	-10% $284	-5% $339	+0% $394	+5% $449	+10% $504
Rate	-1.0pp $434	-0.5pp $414	base $394	+0.5pp $373	+1.0pp $352

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: —

Listing history 13 events

1. 2026-06-09
   statusdays on market $79,900 Pending 28 DOM
2. 2026-06-08
   days on market $79,900 Active 27 DOM
3. 2026-06-08
   days on market $79,900 Active 26 DOM
4. 2026-06-07
   days on market $79,900 Active 25 DOM
5. 2026-06-04
   days on market $79,900 Active 22 DOM
6. 2026-06-02
   days on market $79,900 Active 21 DOM
7. 2026-06-01
   days on market $79,900 Active 20 DOM
8. 2026-05-31
   days on market $79,900 Active 19 DOM
9. 2026-05-12
   listed $79,900 Active 1277-char remark
10. 2025-09-02
    soldstatus $60,000
11. 2025-08-25
    soldstatus $60,000 Closed 183-char remark

    Show marketing remark (183 chars)

    Well Maintained home with up dates that include: plumbing windows, electric, full bath, fresh paint, some vinyl siding. Attic could be an additional bedroom, fenced patio in the rear.

12. 2025-07-19
    status Pending 183-char remark

    Show marketing remark (183 chars)

    Well Maintained home with up dates that include: plumbing windows, electric, full bath, fresh paint, some vinyl siding. Attic could be an additional bedroom, fenced patio in the rear.

13. 2025-07-14
    listed $55,000 Active 183-char remark

    Show marketing remark (183 chars)

    Well Maintained home with up dates that include: plumbing windows, electric, full bath, fresh paint, some vinyl siding. Attic could be an additional bedroom, fenced patio in the rear.

ⓘ 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: $3,096 · $258/mo
• Projected year-2 tax: $3,096 · $258/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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 8 d/yr ≥92°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $16,774
• − Mortgage interest: −$4,476
• − Property taxes: −$3,096
• − Insurance: −$400
• − Repairs & maintenance: −$1,342
• − Management: −$1,342
• − Depreciation: −$2,324
• Taxable income: $3,795
• Est. tax owed @ 24.0%: −$911
• After-tax cash flow: $3,817/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: Mahanoy Area SD
• NCES district ID: 4214430
• Math proficiency: 11% ▼ -9.00%
• Reading proficiency: 30% ▼ -13.00%
• Median HH income: $36,347
• Composite: 16.95/100
• National rank: #9136
• State rank: #494 of 539 in PA

Livability — Mahanoy City

• Score: 65/100
• State rank: #1129
• US rank: #12973

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mahanoy City, PA
• Population (ZIP): 4,124

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 (81%)
• Race & ethnicity: White 81% Hispanic / Latino 15% Two or more races 9%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Dominican 8%
• Common ancestry: Romanian 9% Iranian 3% Hungarian 1%
• Foreign-born: 6% · Canada
• Languages at home: 86% English-only · Spanish 11% Arabic 2%

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: ▲ 3.94%
• Current HPI: 234.7484
• 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

+45.3% since first listed

6 events — show timeline

• 2026-06-09 Pending — BRIGHT MLS
• 2026-05-12 Listed $79,900 BRIGHT MLS
• 2025-09-02 Sold (Public Records) $60,000 Public Records
• 2025-08-25 Sold (MLS) $60,000 BRIGHT MLS
• 2025-07-19 Pending — BRIGHT MLS
• 2025-07-14 Listed $55,000 BRIGHT MLS

Property tax history

+15.6%/yr

Latest (2026): $3,096 · +311.4% YoY. Source: county tax records.