439 Hudson St · Archbald, PA 18433

$85,000

2 bd · 1.0 ba · 780 sqft · SingleFamily · 109 Days on market

Built 1930 7,405 sqft lot $109/sqft · 25% below area Est $113k · 25% under ↓ 23% 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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Schools +3.9/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential -- waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform wi

Key facts

• Large backyard
• Off-street parking
• Detached garage

Tags

• LARGE BACKYARD
• DETACHED GARAGE
• OFF-STREET PARKING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $363 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $77k (9.0% below list) — sets the bar for market timing.
• Cap rate 11.4% vs local median 2.6% in Archbald — 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 73/100 on livability (#596 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Valley View SD (rural): math 34% / reading 57% proficiency, ranked #269 of 539 in PA (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 48 active listings in the ZIP; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 109 days — a 9% lower offer ($77k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $25k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $77,350 (9.0% below list)

Questions for the listing agent

1. It's been on market 109 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1930 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.42% ✓
• Cap rate: 11.42%
• Cash-on-cash: 18.31%
• DSCR: 1.81
• GRM: 5.9

CMA / ARV

• ARV (median comp): $113,300
• List price: $85,000
• Delta: -24.98%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 10.0%
• Equity multiple: 1.39×
• Total profit: $9,379
• Equity at exit: $12,674

10-year hold

• IRR: 19.1%
• Equity multiple: 2.60×
• Total profit: $38,030
• Equity at exit: $7,349

Cash invested: $23,800 (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 18433

• Home prices YoY: -14.1%
• Active inventory: 48
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,203 medium
• Mortgage (P&I): −$446
• Tax est. 1.5%: −$106 /mo · $1,275/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$253
• Net cashflow: $363

Break-even live

Break-even rent $744

Max offer price $85,000

Occupancy floor 65%

Sensitivity live

Price	-10% $422	-5% $393	+0% $363	+5% $334	+10% $304
Rent	-10% $268	-5% $316	+0% $363	+5% $411	+10% $458
Rate	-1.0pp $406	-0.5pp $385	base $363	+0.5pp $341	+1.0pp $319

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-05-17
   status Pending 389-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

2. 2026-05-17
   status Pending 1811-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

3. 2026-03-09
   price $85,000 389-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

4. 2026-03-09
   price $85,000 1811-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

5. 2026-02-25
   status Active 389-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

6. 2026-02-25
   price $90,000 389-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

7. 2026-02-25
   price $90,000 1811-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

8. 2026-02-25
   status Active 1811-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

9. 2026-02-02
   status Pending 389-char remark

   Show marketing remark (1811 chars)

   Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

10. 2026-02-02
    status Pending 1811-char remark

    Show marketing remark (1811 chars)

    Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

11. 2026-01-22
    price $100,000 389-char remark

    Show marketing remark (1811 chars)

    Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

12. 2026-01-22
    price $100,000 1811-char remark

    Show marketing remark (1811 chars)

    Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

13. 2026-01-05
    listed $110,000 Active 389-char remark

    Show marketing remark (389 chars)

    Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential -- waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform wi

14. 2026-01-01
    listed $110,000 Active 1811-char remark

    Show marketing remark (1811 chars)

    Opportunity has a way of revealing itself quietly to the right buyer. Sometimes it doesn't arrive fully finished or perfectly staged. Instead, it shows up as potential waiting for someone who can see past the surface and imagine what's possible. 439 Hudson Street is exactly that kind of opportunity. As you step inside, you may already begin to picture how this home could transform with the right vision. The layout is simple and honest, the kind that invites creativity rather than limits it. Two bedrooms offer comfortable proportions, and the home's footprint feels just right for someone looking to create a space that's personal, intentional, and their own. The kitchen and bathroom are ready for renewal, a blank canvas where your choices set the tone. As you read this, imagine selecting the finishes, choosing the cabinets, shaping rooms that reflect your style instead of someone else's. This is where sweat equity turns into pride of ownership. Step outside and the story expands. A large backyard stretches out behind the home, offering space that's increasingly rare. Picture summer evenings, room for a garden, or simply the quiet satisfaction of having land to call your own. The detached garage adds flexibility, storage, a workshop, or future utility, while the driveway and off-street parking remove everyday friction and add real value. This is a home that understands practicality. Parking is easy. The lot is manageable yet generous. And every improvement you make feels like it counts. Located in Jermyn, this property sits in a neighborhood where long-term ownership still matters. You're close to local shops, schools, and commuter routes, yet far enough removed to feel settled. It's the kind of town where renovated homes stand out, and where the right updates are rewarded over time.

ⓘ 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 2/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥91°F today · 18 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: $14,440
• − Mortgage interest: −$4,761
• − Property taxes: −$1,275
• − Insurance: −$425
• − Repairs & maintenance: −$1,155
• − Management: −$1,155
• − Depreciation: −$2,473
• Taxable income: $3,196
• Est. tax owed @ 24.0%: −$767
• After-tax cash flow: $3,592/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: Valley View SD
• NCES district ID: 4224650
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 57% ▼ -12.00%
• Median HH income: $45,562
• Composite: 38.54/100
• National rank: #4174
• State rank: #269 of 539 in PA

Livability — Archbald

• Score: 73/100
• State rank: #596
• US rank: #5675

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: Archbald, PA
• City population: 6,580
• Population (ZIP): 7,174

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 5% Hispanic / Latino 1%
• Common ancestry: Romanian 17% Scotch-Irish 8% Danish 2%
• Foreign-born: 2% · Canada, Guatemala, Vietnam
• Languages at home: 97% English-only · Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -27.20%
• Current HPI: 165.7505
• 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

-22.7% since first listed

14 events — show timeline

• 2026-05-17 Pending — LCAR
• 2026-05-17 Pending — GSBR as distributed by MLS GRID
• 2026-03-09 Price Changed $85,000 LCAR
• 2026-03-09 Price Changed $85,000 GSBR as distributed by MLS GRID
• 2026-02-25 Relisted — LCAR
• 2026-02-25 Price Changed $90,000 LCAR
• 2026-02-25 Price Changed $90,000 GSBR as distributed by MLS GRID
• 2026-02-25 Relisted — GSBR as distributed by MLS GRID
• 2026-02-02 Pending — LCAR
• 2026-02-02 Pending — GSBR as distributed by MLS GRID
• 2026-01-22 Price Changed $100,000 LCAR
• 2026-01-22 Price Changed $100,000 GSBR as distributed by MLS GRID
• 2026-01-05 Listed $110,000 LCAR
• 2026-01-01 Listed $110,000 GSBR as distributed by MLS GRID

Property tax history

+33.5%/yr

Latest (2026): $26,167 · +1764.0% YoY. Source: county tax records.