544 Green St · Duryea, PA 18642

$149,900

2 bd · 1.0 ba · 1,146 sqft · SingleFamily public records · 9 Days on market

Built 1910 3,484 sqft lot Est $220k · 32% under

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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 +16.6/30.0
• ARV discount +15.0/15.0
• DSCR +5.1/10.0
• 1% rule +3.7/10.0
• Livability +3.3/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

2 Br single in Duryea, Luzerne County. Nice property that has potential at a great price. Corporate owned property. No Sellers disclosure. Buyer and buyer's agent are responsible for coordinating all inspections after executed contract. Additional addendums will be forwarded at time of verbal contract acceptance.

Key facts

• Peaceful street
• 3,484 sq ft lot
• Built 1910

Tags

• FULLY FENCED BACKYARD
• PEACEFUL STREET
• SPACIOUS LIVING AREAS

Property features AI

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer; 100 Amp electric service; Cable available
• Home design: Single family residence (Residential); Built in 1910; Concrete perimeter foundation; City street frontage (asphalt)
• Construction: Vinyl siding construction; Shingle roof; Concrete perimeter foundation; Year built 1910
• Exterior features: Back yard; Other exterior features; Shingle roof; Vinyl siding

Interior

• Kitchen: Built-in electric range; Built-in refrigerator
• Bedrooms: 2 bedrooms (13 x 13; 12 x 13)
• Flooring: Carpet; Wood; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard heating; Electric heating; Other cooling
• Interior features: Eat-in kitchen; Pull-down attic stairs; Concrete basement
• Laundry & utility: Washer; Dryer; Laundry room (3 x 6)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $90 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $131k (12.6% below list).
• Recommended offer: $131k (12.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#1,029 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime A, housing B+; Watch: schools D+, amenities F, commute F.
• Pittston Area SD (suburban): math 30% / reading 40% proficiency, ranked #418 of 539 in PA (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 20 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% of comp listings sitting > 30 days — soft ceiling on asking rent; 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 19y ago 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 $113k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $130,969 (12.6% 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 D-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. 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.
5. 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.
6. 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: 0.87% ✗
• Cap rate: 7.01%
• Cash-on-cash: 2.56%
• DSCR: 1.11
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $220,032
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
125 Mcalpine St	0.20mi	2/1.0	1,100 (-4%)	3mo	$154,460	$140	82
211 New St	0.16mi	3/1.5 (+1)	1,262 (+10%)	4mo	$260,000	$206	66
535 Adams St	0.05mi	3/2.0 (+1)	1,057 (-8%)	12mo	$245,000	$232	65
172 Cremard Blvd	0.53mi	2/2.0	1,192 (+4%)	2mo	$389,900	$327	63
170 Cremard Blvd	0.53mi	2/2.0	1,192 (+4%)	7mo	$359,900	$302	59
407 Meyer St	0.09mi	3/1.0 (+1)	1,300 (+13%)	12mo	$250,000	$192	58
178 Columbia St	0.18mi	2/2.0	980 (-14%)	11mo	$230,175	$235	54
12 Evans St	0.39mi	2/1.0	1,032 (-10%)	14mo	$149,000	$144	54
637 Ann St	0.46mi	3/2.0 (+1)	1,200 (+5%)	13mo	$135,000	$113	51
205 Lackawanna Ave	0.51mi	3/1.0 (+1)	1,240 (+8%)	10mo	$112,500	$91	50
414 Foster St	0.71mi	3/1.0 (+1)	1,100 (-4%)	9mo	$168,100	$153	47
131 Stephenson St	0.60mi	2/1.0	977 (-15%)	5mo	$135,000	$138	44

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: -12.3%
• Equity multiple: 0.56×
• Total profit: $-18,623
• Equity at exit: $22,351

10-year hold

• IRR: -3.2%
• Equity multiple: 0.79×
• Total profit: $-9,019
• Equity at exit: $12,961

Cash invested: $41,972 (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 18642

• Home prices YoY: -15.5%
• Active inventory: 20
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,310 high
• Mortgage (P&I): −$786
• Tax from tax record: −$97 /mo · $1,159/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $90

Break-even live

Break-even rent $1,196

Max offer price $149,900

Occupancy floor 88%

Sensitivity live

Price	-10% $174	-5% $132	+0% $90	+5% $47	+10% $5
Rent	-10% $-14	-5% $38	+0% $90	+5% $141	+10% $193
Rate	-1.0pp $165	-0.5pp $128	base $90	+0.5pp $51	+1.0pp $11

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
230 Swetland St Duryea, PA	2.0	1.0	1092	$1,400	$1.28	22d	1	0.64mi
230 Swetland St Duryea, PA	2.0	1.0	950	$1,400	$1.47	14d	1	0.64mi
127 Dickson St Duryea, PA	2.0	1.0	900	$1,200	$1.33	44d	1	0.65mi
962 Wood St Unit 2 Old Forge, PA	2.0	1.0	964	$1,250	$1.30	44d	1	1.05mi
970 Wood St Old Forge, PA	2.0	1.0	768	$1,300	$1.69	14d	1	1.06mi
609 Main St Apt B Avoca, PA	1.0	1.0	740	$1,200	$1.62	44d	1	1.11mi
287 Parsonage St Pittston, PA	2.0	1.0	850	$1,200	$1.41	44d	1	1.15mi
178 Parsonage St Pittston, PA	3.0	1.0	1500	$1,500	$1.00	14d	1	1.35mi
174 Parsonage St Unit 3 r Pittston, PA	2.0	1.0	700	$900	$1.29	22d	1	1.36mi
102A Searle St Pittston, PA	3.0	1.0	960	$1,350	$1.41	44d	1	1.47mi
113 Lidy Rd DuPont, PA	3.0	1.0	1191	$1,500	$1.26	44d	1	1.48mi

Listing history 6 events

1. 2026-04-30
   status Pending
2. 2026-04-21
   listed $149,900 Active
3. 2022-01-20
   soldstatus $113,000
4. 2009-01-13
   soldstatus $111,100
5. 2007-09-26
   soldstatus $53,500 314-char remark

   Show marketing remark (314 chars)

   2 Br single in Duryea, Luzerne County. Nice property that has potential at a great price. Corporate owned property. No Sellers disclosure. Buyer and buyer's agent are responsible for coordinating all inspections after executed contract. Additional addendums will be forwarded at time of verbal contract acceptance.

6. 2007-08-16
   listed $59,900 314-char remark

   Show marketing remark (314 chars)

   2 Br single in Duryea, Luzerne County. Nice property that has potential at a great price. Corporate owned property. No Sellers disclosure. Buyer and buyer's agent are responsible for coordinating all inspections after executed contract. Additional addendums will be forwarded at time of verbal contract acceptance.

ⓘ 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: $1,159 · $97/mo
• Projected year-2 tax: $1,764 · $147/mo
• Expected delta: +$605/yr (+$50/mo · 52.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 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: $15,716
• − Mortgage interest: −$8,397
• − Property taxes: −$1,159
• − Insurance: −$750
• − Repairs & maintenance: −$1,257
• − Management: −$1,257
• − Depreciation: −$4,361
• Taxable loss: −$1,464
• Est. tax savings @ 24.0%: +$351
• After-tax cash flow: $1,426/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: Pittston Area SD
• NCES district ID: 4219200
• Math proficiency: 30% ▼ -12.00%
• Reading proficiency: 40% ▼ -19.00%
• Median HH income: $45,316
• Composite: 29.86/100
• National rank: #6409
• State rank: #418 of 539 in PA

Livability — Duryea

• Score: 66/100
• State rank: #1029
• US rank: #11458

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Duryea, PA
• City population: 4,469
• Population (ZIP): 4,469

Population outlook (Luzerne County) Hauer SSP2

• Today (2025): 319,505 people
• By 2030: 319,943 · +0.1%
• By 2040: 322,643 · +1.0%
• By 2050: 330,817 · +3.5%
• By 2075: 379,145 · +18.7%
• By 2100: 431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 21% Two or more races 19%
• Hispanic origin (detail): Mexican 16% Puerto Rican 2%
• Common ancestry: Romanian 20% Scotch-Irish 3% Iranian 2%
• Foreign-born: 7% · Canada
• Languages at home: 82% English-only · Spanish 16%

Political lean MEDSL · Luzerne

• 2024 margin: R (+19.2) · D 40.0% · R 59.2%
• 2008→2024 swing: -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
• All cycles: 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -34.99%
• Current HPI: 190.5926
• 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

+150.3% since first listed

6 events — show timeline

• 2026-04-30 Pending — GSBR as distributed by MLS GRID
• 2026-04-21 Listed $149,900 GSBR as distributed by MLS GRID
• 2022-01-20 Sold (Public Records) $113,000 Public Records
• 2009-01-13 Sold (Public Records) $111,100 Public Records
• 2007-09-26 Sold (MLS) $53,500 GLVRMLS
• 2007-08-16 Listed $59,900 GLVRMLS

Property tax history

+1.9%/yr

Latest (2026): $1,159 · +0.4% YoY. Source: county tax records.