316 Oak · Catasauqua, PA 18032

$139,000

3 bd · 1.0 ba · 972 sqft · SingleFamily public records · 19 Days on market

Built 1880 1,250 sqft lot Est $217k · 36% 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
• Livability +3.8/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Great 2 bedroom single starter home - this home has good bones, great front porch and rear patio/deck - needs renovations - mostly cosmetic. Being sold "as is". Newer roof and siding within the last 5-10 years. Current owners have lived there for a very long time (1979)!.

Key facts

• 1,250 sq ft lot
• Built 1880
• Listed 19 days

Property features AI

Finance

• Other: Zoning: R2

Exterior

• Parking: No garage; On-street parking
• Utilities: Public water; Public sewer
• Home design: 2-story house; Vinyl siding; Asphalt/Fiberglass roof; Above-grade finished area (972)
• Construction: Vinyl siding construction; Asphalt and fiberglass roof; Year built: Unknown
• Exterior features: Deck; Porch

Interior

• Kitchen: Electric cooktop; Electric oven; Eat-in kitchen
• Bedrooms: Bedroom on second floor (12 x 10); Bedroom on second floor (12 x 8)
• Bathrooms: 1 full bathroom (approx. 8 x 6)
• Heating & cooling: Forced air heating (gas); Ceiling fan(s)
• Interior features: Dining area; Separate/formal dining room; Eat-in kitchen; Basement (other)
• Laundry & utility: Washer; Washer hookup on lower level; Dryer; Electric dryer hookup on lower level; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $573 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $139k).
• Recommended offer: $137k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.2% vs local median 4.9% in Catasauqua — 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 (#443 in PA, #4,039 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities F, commute F.
• Catasauqua Area SD (suburban): math 23% / reading 41% proficiency, ranked #431 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 49 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 765 units permitted in Lehigh County in 2024 (286 in 5+ unit buildings).
• This rent runs 31% of the median local income ($81k/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 $961 of loan paydown is wiped out by about $4k 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 + 3.0% rent growth), your $39k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($137k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $20k; list at $139k implies a 598% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1880 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,915 (1.5% below list)

Questions for the listing agent

1. Built in 1880 — 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. 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.
4. 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.
5. 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: 1.50% ✓
• Cap rate: 11.24%
• Cash-on-cash: 17.65%
• DSCR: 1.79
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $216,756
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
316 Oak	0.00mi	2/1.0 (-1)	972 (0%)	1mo	$115,000	$118	94
425 Pine St	0.11mi	3/2.0	1,040 (+7%)	3mo	$285,000	$274	77
1111 Limestone St	0.30mi	2/1.5 (-1)	1,004 (+3%)	11mo	$153,000	$152	65
1015 Crane St	0.16mi	2/1.0 (-1)	840 (-14%)	7mo	$175,000	$208	59
1026 Limestone St	0.24mi	2/1.0 (-1)	880 (-10%)	16mo	$175,000	$199	55
717 Front St	0.20mi	2/1.5 (-1)	1,080 (+11%)	14mo	$222,000	$206	53
2225 N N 1st Ave	0.54mi	3/1.0	1,008 (+4%)	21mo	$225,000	$223	51
1169 Howertown Rd	0.59mi	2/1.0 (-1)	952 (-2%)	17mo	$225,000	$236	50
2322 N 1st Ave	0.53mi	3/1.0	902 (-7%)	23mo	$229,900	$255	44
343 Race St	0.65mi	2/1.5 (-1)	1,022 (+5%)	14mo	$249,900	$245	42
420 Bath Ave	0.70mi	2/1.0 (-1)	891 (-8%)	11mo	$155,000	$174	39
2210 2nd Ave	0.65mi	2/1.5 (-1)	1,056 (+9%)	24mo	$255,000	$241	28

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.2%
• Equity multiple: 1.36×
• Total profit: $14,039
• Equity at exit: $20,725

10-year hold

• IRR: 18.4%
• Equity multiple: 2.53×
• Total profit: $59,579
• Equity at exit: $12,018

Cash invested: $38,920 (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 18032

• Home prices YoY: -34.7%
• Active inventory: 49
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $2,079 high
• Mortgage (P&I): −$729
• Tax from tax record: −$283 /mo · $3,400/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $573

Break-even live

Break-even rent $1,355

Max offer price $139,000

Occupancy floor 67%

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
729 3rd St Whitehall, PA	3.0	2.0	1100	$2,500	$2.27	21d	1	0.07mi
1219 3rd St Unit 1 Catasauqua, PA	2.0	1.0	825	$1,675	$2.03	14d	1	0.39mi
146 Front St Unit 2 Catasauqua, PA	3.0	1.0	800	$1,400	$1.75	23d	1	0.47mi
119 School St Catasauqua, PA	2.0	1.0	931	$2,100	$2.26	3d	1	0.50mi
895 Walnut St Catasauqua, PA	2.0	1.0	860	$1,602	$1.86	3d	1	0.68mi
1239 Washington St Whitehall, PA	2.0	1.0	1013	$1,375	$1.36	44d	1	0.98mi
121 E Union St Whitehall, PA	2.0	1.0	794	$2,400	$3.02	14d	1	1.07mi

Listing history 5 events

1. 2026-04-29
   status Pending
2. 2026-04-29
   price $115,000
3. 2026-04-24
   price $139,000
4. 2026-04-09
   listed $139,000 Active
5. 1979-03-01
   soldstatus $19,900

ⓘ 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: $3,400 · $283/mo
• Projected year-2 tax: $3,400 · $283/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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,952
• − Mortgage interest: −$7,786
• − Property taxes: −$3,400
• − Insurance: −$695
• − Repairs & maintenance: −$1,996
• − Management: −$1,996
• − Depreciation: −$4,044
• Taxable income: $5,035
• Est. tax owed @ 24.0%: −$1,208
• After-tax cash flow: $5,662/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: Catasauqua Area SD
• NCES district ID: 4205160
• Math proficiency: 23% ▼ -15.00%
• Reading proficiency: 41% ▼ -21.00%
• Median HH income: $53,073
• Composite: 28.09/100
• National rank: #6832
• State rank: #431 of 539 in PA

Livability — Catasauqua

• Score: 75/100
• State rank: #443
• US rank: #4039

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Catasauqua, PA
• County: Lehigh County · 333,019 people
• City population: 9,555
• Metro: Allentown-Bethlehem-Easton, PA-NJ
• Population (ZIP): 9,555
• Household income: $81,098
• Rent vs Own: 25.1% rent · 74.9% own
• Severe rent burden: 221.0

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: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 15% Two or more races 12% Black 3%
• Hispanic origin (detail): Puerto Rican 10% Dominican 1%
• Common ancestry: Danish 4% Polish 3% Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 91% English-only · Spanish 8%

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: ▼ -159.00%
• Current HPI: 299.4376
• Rent YoY: —
• 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

+477.9% since first listed

5 events — show timeline

• 2026-04-29 Pending — GLVRMLS
• 2026-04-29 Price Changed $115,000 GLVRMLS
• 2026-04-24 Price Changed $139,000 GLVRMLS
• 2026-04-09 Listed $139,000 GLVRMLS
• 1979-03-01 Sold (Public Records) $19,900 Public Records

Property tax history

+4.6%/yr

Latest (2026): $3,400 · +3.4% YoY. Source: county tax records.