224 W Ridge St · Coaldale, PA 18218

$25,000

3 bd · 1.0 ba · 1,463 sqft · Townhouse public records · 15 Days on market

Built 1910 3,485 sqft lot ↓ 30% since listing

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Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• Appreciation +5.3/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

Key facts

• Built 1910
• Listed 15 days

Property features AI

Finance

• Financial info: Tax assessed amount: $17,565 (tax year 2025); Annual tax approximately $2,025

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Semi-detached property; Ownership: Fee simple; Year built: Estimated
• Construction: Permanent foundation; Other structures above and below grade
• Exterior features: Lot dimensions approximately 17.00 x 200.00; Not in a federal flood zone

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom (all upper levels)
• Heating & cooling: Heating: Other; Heating fuel: Other; Cooling: Other; Cooling fuel: Other; Hot water: Other
• Interior features: Basement present (other type); Living area source: Assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $25k.

Deal economics

• At list price, monthly cash flow is $775 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $25k).
• Recommended offer: $25k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#761 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Panther Valley SD (rural): math 14% / reading 35% proficiency, ranked #477 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 12 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $300 of equity ($173 loan paydown + $127 appreciation (0.5% 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 (0.5% appreciation + 3.0% rent growth), your $7k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($25k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 23y ago; this cycle's ask has dropped $125k (83%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $24,625 (1.5% below list)

Questions for the listing agent

1. Built in 1910 — 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 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 4.80% ✓
• Cap rate: 43.47%
• Cash-on-cash: 132.79%
• DSCR: 6.91
• GRM: 1.7

CMA / ARV

• ARV (on-the-fly): $81,928
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
240 W Ridge St	0.02mi	3/1.0	1,407 (-4%)	13mo	$104,900	$75	82
223 W Phillips St	0.11mi	3/1.0	1,520 (+4%)	9mo	$120,000	$79	81
30 Ridge St	0.20mi	3/3.0	1,492 (+2%)	11mo	$80,000	$54	70
231 W Early Ave	0.06mi	3/—	1,328 (-9%)	18mo	$65,000	$49	67
270 3rd St	0.43mi	4/1.0 (+1)	1,351 (-8%)	2mo	$35,500	$26	61
110 Fisher Ave	0.56mi	2/1.0 (-1)	1,453 (-1%)	14mo	$40,000	$28	56
229 W Early Ave	0.06mi	3/1.5	1,246 (-15%)	18mo	$57,000	$46	56
151 E High St	0.48mi	3/1.0	1,312 (-10%)	6mo	$79,000	$60	55
26 E Ridge St	0.30mi	2/1.5 (-1)	1,568 (+7%)	14mo	$88,000	$56	55
130 E Ruddle St	0.42mi	2/1.0 (-1)	1,402 (-4%)	18mo	$60,000	$43	53
31 E High St	0.36mi	4/1.5 (+1)	1,365 (-7%)	21mo	$113,500	$83	47
39 E High St	0.37mi	3/2.0	1,638 (+12%)	19mo	$115,000	$70	42

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

Projected returns pro-forma

0.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 8.03×
• Total profit: $49,226
• Equity at exit: $7,902

10-year hold

• IRR: —
• Equity multiple: 16.78×
• Total profit: $110,442
• Equity at exit: $10,028

Cash invested: $7,000 (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 18218

• Home prices YoY: 0.2%
• Active inventory: 12
• Price-to-rent: 1.7×

Monthly cashflow live

• Estimated rent: $1,199 high
• Mortgage (P&I): −$131
• Tax est. 1.5%: −$31 /mo · $375/yr
• Insurance: −$10
• HOA: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $775

Break-even live

Break-even rent $219

Max offer price $25,000

Occupancy floor 30%

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: $6,250
• Closing costs: $750
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7 E Phillips St Coaldale, PA	2.0	1.0	950	$1,050	$1.11	23d	1	0.27mi
126 E High St Coaldale, PA	4.0	1.5	1000	$1,200	$1.20	14d	1	0.44mi
151 E High St Coaldale, PA	3.0	1.0	1312	$1,200	$0.91	43d	1	0.46mi
215 E High St Coaldale, PA	3.0	1.0	1000	$1,000	$1.00	21d	1	0.50mi
149 W Ridge St Unit 1B Lansford, PA	3.0	1.0	1654	$1,500	$0.91	19d	1	1.38mi
149 W Ridge St Unit 3A Lansford, PA	3.0	1.0	1550	$1,650	$1.06	43d	1	1.38mi
149 W Ridge St Unit 2b Lansford, PA	2.0	1.0	875	$1,325	$1.51	23d	1	1.38mi
149 W Ridge St Unit 1A Lansford, PA	2.0	1.0	930	$1,350	$1.45	23d	1	1.38mi

Listing history 25 events

1. 2026-05-01
   price $25,000
2. 2026-05-01
   status Pending
3. 2026-04-16
   listed $149,900 Active
4. 2023-09-29
   soldstatus $109,000
5. 2023-09-25
   soldstatus $109,000 Sold 556-char remark

   Show marketing remark (556 chars)

   This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

6. 2023-07-07
   price $109,000 556-char remark

   Show marketing remark (556 chars)

   This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

7. 2023-07-07
   status Pending 556-char remark

   Show marketing remark (556 chars)

   This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

8. 2023-07-05
   price $98,900 556-char remark

   Show marketing remark (556 chars)

   This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

9. 2023-06-20
   price $99,900 556-char remark

   Show marketing remark (556 chars)

   This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

10. 2023-06-20
    status Active 556-char remark

    Show marketing remark (556 chars)

    This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

11. 2023-06-12
    price $105,000 556-char remark

    Show marketing remark (556 chars)

    This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

12. 2023-06-12
    status Pending 556-char remark

    Show marketing remark (556 chars)

    This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

13. 2023-05-31
    listed $99,900 Active 556-char remark

    Show marketing remark (556 chars)

    This 3-4 Bedroom Townhome in Coaldale has new Flooring in the living room and dining room areas with a covered porch off the living room. updated Full Bath upstairs with a partial bath in basement. New flooring and carpet on Second floor in all bedrooms. Heated attic with new new windows for possible 4th bedroom. Cozy Covered rear patio and double lot. New porch roofing, new flooring in all bedrooms , hallway, living and dining room has New floor, new basement door, chimney clean, some electrical update , also plumbing , everywhere freshly painted

14. 2023-02-04
    status Pending
15. 2023-01-10
    price $32,900
16. 2022-12-12
    listed $34,900 Active
17. 2022-12-09
    historical
18. 2022-04-18
    historical
19. 2006-04-28
    soldstatus $34,900
20. 2005-09-01
    historical
21. 2005-06-21
    listed $34,900
22. 2005-03-01
    historical
23. 2005-01-06
    listed $37,500
24. 2003-12-29
    listed $26,100
25. 1993-12-17
    soldstatus $35,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,390
• − Mortgage interest: −$1,400
• − Property taxes: −$375
• − Insurance: −$125
• − Repairs & maintenance: −$1,151
• − Management: −$1,151
• − Depreciation: −$727
• Taxable income: $9,460
• Est. tax owed @ 24.0%: −$2,270
• After-tax cash flow: $7,025/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: Panther Valley SD
• NCES district ID: 4218450
• Math proficiency: 14% ▼ -7.00%
• Reading proficiency: 35% ▼ -14.00%
• Median HH income: $36,914
• Composite: 20.31/100
• National rank: #8613
• State rank: #477 of 539 in PA

Livability — Coaldale

• Score: 70/100
• State rank: #761
• US rank: #7599

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Coaldale, PA
• Population (ZIP): 2,353

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 (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Black 4% Two or more races 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 9% Polish 4% Iranian 3%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · Spanish 6%

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: ▲ 0.51%
• Current HPI: 288.42
• 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

-29.6% since first listed

25 events — show timeline

• 2026-05-01 Price Changed $25,000 BRIGHT MLS
• 2026-05-01 Pending — BRIGHT MLS
• 2026-04-16 Listed $149,900 BRIGHT MLS
• 2023-09-29 Sold (Public Records) $109,000 Public Records
• 2023-09-25 Sold (MLS) $109,000 GLVRMLS
• 2023-07-07 Price Changed $109,000 GLVRMLS
• 2023-07-07 Pending — GLVRMLS
• 2023-07-05 Price Changed $98,900 GLVRMLS
• 2023-06-20 Price Changed $99,900 GLVRMLS
• 2023-06-20 Relisted — GLVRMLS
• 2023-06-12 Price Changed $105,000 GLVRMLS
• 2023-06-12 Pending — GLVRMLS
• 2023-05-31 Listed $99,900 GLVRMLS
• 2023-02-04 Pending — BRIGHT MLS
• 2023-01-10 Price Changed $32,900 BRIGHT MLS
• 2022-12-12 Listed $34,900 BRIGHT MLS
• 2022-12-09 Coming Soon — BRIGHT MLS
• 2022-04-18 Listing Removed — GLVRMLS
• 2006-04-28 Sold (Public Records) $34,900 Public Records
• 2005-09-01 Listing Removed — GLVRMLS
• 2005-06-21 Listed $34,900 GLVRMLS
• 2005-03-01 Listing Removed — GLVRMLS
• 2005-01-06 Listed $37,500 GLVRMLS
• 2003-12-29 Listed $26,100 GLVRMLS
• 1993-12-17 Sold (Public Records) $35,500 Public Records

Property tax history

+2.3%/yr

Latest (2025): $2,000 · +5.1% YoY. Source: county tax records.