148 Bloom St · Danville, PA 17821

$184,900

3 bd · 1.5 ba · 1,488 sqft · SingleFamily public records · 189 Days on market

Built 1886 1,306 sqft lot $124/sqft · at area comps Est $176k · at est.

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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 +21.8/30.0
• DSCR +7.0/10.0
• 1% rule +5.3/10.0
• ARV discount +5.3/15.0
• Schools +5.0/10.0
• 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

Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

Key facts

• Backyard
• Full basement
• Walk-up attic

Tags

• WALK-UP ATTIC
• FULL BASEMENT
• BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $288 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).
• Recommended offer: $163k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 5.1% in Danville — 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 74/100 on livability (#508 in PA, #4,632 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, schools A-; Watch: amenities D-, commute F, employment D-.
• Danville Area SD (suburban): math 50% / reading 67% proficiency, ranked #83 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 70 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); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 27 units permitted in Montour County in 2024 (0 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 $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 189 days — a 12% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1886 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $162,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 189 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1886 — 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 A-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: 1.03% ✓
• Cap rate: 8.16%
• Cash-on-cash: 6.69%
• DSCR: 1.30
• GRM: 8.1

CMA / ARV

• ARV (median comp): $176,386
• List price: $184,900
• Delta: 4.83%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1031 Upper Mulberry St	0.11mi	3/1.0	1,560 (+5%)	2mo	$83,000	$53	83
998 Ash St	0.19mi	4/1.5 (+1)	1,620 (+9%)	2mo	$269,000	$166	70
142 Spruce St	0.12mi	3/1.0	1,296 (-13%)	2mo	$199,000	$154	69
926 Vine St	0.26mi	4/1.5 (+1)	1,616 (+9%)	1mo	$225,000	$139	68
420 E Front St	0.45mi	3/1.5	1,419 (-5%)	6mo	$159,000	$112	66
803 Bloom Rd	0.74mi	3/2.0	1,520 (+2%)	1mo	$305,000	$201	59
220 E Front St	0.42mi	3/2.5	1,656 (+11%)	2mo	$277,303	$167	56
731 Cooper St	0.68mi	3/1.0	1,400 (-6%)	6mo	$180,000	$129	52
439 W Market St	0.55mi	2/1.5 (-1)	1,344 (-10%)	3mo	$205,000	$153	50
618 Upper St	0.53mi	3/2.0	1,281 (-14%)	1mo	$165,000	$129	49
656 Koohers Ct	0.62mi	2/1.0 (-1)	1,356 (-9%)	3mo	$199,000	$147	47
520 W Mahoning St	0.58mi	3/2.5	1,696 (+14%)	0mo	$310,000	$183	45

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: -6.0%
• Equity multiple: 0.78×
• Total profit: $-11,597
• Equity at exit: $27,569

10-year hold

• IRR: 3.6%
• Equity multiple: 1.26×
• Total profit: $13,530
• Equity at exit: $15,987

Cash invested: $51,772 (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 17821

• Home prices YoY: -17.9%
• Active inventory: 70
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,910 high
• Mortgage (P&I): −$970
• Tax from tax record: −$173 /mo · $2,081/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $288

Break-even live

Break-even rent $1,544

Max offer price $184,900

Occupancy floor 80%

Sensitivity live

Price	-10% $393	-5% $341	+0% $288	+5% $236	+10% $184
Rent	-10% $138	-5% $213	+0% $288	+5% $364	+10% $439
Rate	-1.0pp $382	-0.5pp $335	base $288	+0.5pp $241	+1.0pp $192

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: $46,225
• Closing costs: $5,547
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1146 Upper Mulberry St Danville, PA	4.0	1.5	1456	$1,795	$1.23	44d	1	0.15mi
1016 Ash St Danville, PA	3.0	1.5	1496	$2,795	$1.87	44d	1	0.20mi
986 Ash St Unit 101 Danville, PA	3.0	1.0	1126	$1,595	$1.42	44d	1	0.20mi
1107 Vine St Danville, PA	2.0	1.0	1100	$1,550	$1.41	44d	1	0.24mi
534 Nicholas Ave Danville, PA	3.0	2.5	1250	$1,700	$1.36	44d	1	0.25mi
1014 Vine St Danville, PA	2.0	1.0	1000	$1,700	$1.70	44d	1	0.25mi
972 Cherry St Danville, PA	2.0	1.0	1252	$1,795	$1.43	44d	1	0.32mi
818 C St Danville, PA	3.0	1.5	1664	$2,195	$1.32	44d	1	0.33mi
937 Poplar Ave Danville, PA	3.0	1.0	1300	$1,600	$1.23	44d	1	0.36mi
1737 First St Unit 1737 Danville, PA	2.0	1.0	1082	$1,500	$1.39	44d	1	0.44mi
33 N Ardmoor Ave Danville, PA	4.0	2.0	1606	$2,195	$1.37	44d	1	0.74mi

Listing history 26 events

1. 2026-06-19
   days on market $184,900 Active 189 DOM
2. 2026-06-18
   days on market $184,900 Active 188 DOM
3. 2026-06-17
   days on market $184,900 Active 187 DOM
4. 2026-06-16
   days on market $184,900 Active 186 DOM
5. 2026-06-15
   days on market $184,900 Active 185 DOM
6. 2026-06-14
   days on market $184,900 Active 183 DOM
7. 2026-06-12
   days on market $184,900 Active 182 DOM
8. 2026-06-09
   days on market $184,900 Active 179 DOM
9. 2026-06-08
   days on market $184,900 Active 178 DOM
10. 2026-06-07
    days on market $184,900 Active 177 DOM
11. 2026-06-03
    days on market $184,900 Active 173 DOM
12. 2026-06-02
    days on market $184,900 Active 172 DOM
13. 2026-06-01
    days on market $184,900 Active 171 DOM
14. 2026-05-31
    days on market $184,900 Active 170 DOM
15. 2026-05-30
    days on market $184,900 Active 169 DOM
16. 2026-05-08
    price $184,900 695-char remark

    Show marketing remark (695 chars)

    Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

17. 2026-04-20
    status Active 695-char remark

    Show marketing remark (695 chars)

    Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

18. 2026-03-08
    historical Active Under Contract 695-char remark

    Show marketing remark (695 chars)

    Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

19. 2026-01-13
    price $189,000 695-char remark

    Show marketing remark (695 chars)

    Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

20. 2025-12-11
    listed $195,000 Active 695-char remark

    Show marketing remark (695 chars)

    Discover a welcoming Danville home full of charm, convenience, and room to make it your own. This 3-bedroom, 1.5-bath property offers comfortable living with spacious rooms, great natural light, and a layout that fits a variety of lifestyles. The first floor features a bright living area, a dining space ready for gatherings, and a kitchen designed for everyday function. Upstairs, you'll find bedrooms with character and flexibility, including a full bath, while the main level offers a convenient half bath. Additional highlights include a walk-up attic, a full basement and a backyard that's perfect for relaxing outdoors. Call or Text Kolten today at 57u0-317-0789 for your private showing!

21. 2025-06-11
    historical $2,000
22. 2025-05-16
    soldstatus $169,900
23. 2025-05-13
    soldstatus $169,900 Closed 978-char remark

    Show marketing remark (978 chars)

    Welcome to 148 Bloom Street, a beautifully preserved 3-bedroom, 1.5-bath home in the heart of Danville. This home offers nearly 1,500 square feet of character and comfort, with hardwood floors, high ceilings, and abundant natural light throughout. The main level features a spacious living room, a formal dining area, and a thoughtfully updated kitchen that blends modern convenience with historic charm. Upstairs, you'll find two bedrooms—including a unique walkthrough bedroom that provides flexibility as a home office, 3rd bedroom, or guest space. A full bath upstairs and a convenient half bath on the main level make everyday living easy. The walk-up attic and full basement offer plenty of storage, and the backyard provides a peaceful spot to relax or garden. Just minutes from downtown, local shops, and Geisinger Medical Center, this home is full of potential in a highly desirable location. Schedule your exclusive tour today with Drew Sassaman at 570-490-1996!

24. 2025-05-10
    listed $2,000
25. 2025-04-10
    historical Active Under Contract 978-char remark

    Show marketing remark (978 chars)

    Welcome to 148 Bloom Street, a beautifully preserved 3-bedroom, 1.5-bath home in the heart of Danville. This home offers nearly 1,500 square feet of character and comfort, with hardwood floors, high ceilings, and abundant natural light throughout. The main level features a spacious living room, a formal dining area, and a thoughtfully updated kitchen that blends modern convenience with historic charm. Upstairs, you'll find two bedrooms—including a unique walkthrough bedroom that provides flexibility as a home office, 3rd bedroom, or guest space. A full bath upstairs and a convenient half bath on the main level make everyday living easy. The walk-up attic and full basement offer plenty of storage, and the backyard provides a peaceful spot to relax or garden. Just minutes from downtown, local shops, and Geisinger Medical Center, this home is full of potential in a highly desirable location. Schedule your exclusive tour today with Drew Sassaman at 570-490-1996!

26. 2025-04-07
    listed $169,900 Active 978-char remark

    Show marketing remark (978 chars)

    Welcome to 148 Bloom Street, a beautifully preserved 3-bedroom, 1.5-bath home in the heart of Danville. This home offers nearly 1,500 square feet of character and comfort, with hardwood floors, high ceilings, and abundant natural light throughout. The main level features a spacious living room, a formal dining area, and a thoughtfully updated kitchen that blends modern convenience with historic charm. Upstairs, you'll find two bedrooms—including a unique walkthrough bedroom that provides flexibility as a home office, 3rd bedroom, or guest space. A full bath upstairs and a convenient half bath on the main level make everyday living easy. The walk-up attic and full basement offer plenty of storage, and the backyard provides a peaceful spot to relax or garden. Just minutes from downtown, local shops, and Geisinger Medical Center, this home is full of potential in a highly desirable location. Schedule your exclusive tour today with Drew Sassaman at 570-490-1996!

ⓘ 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: $2,081 · $173/mo
• Projected year-2 tax: $2,501 · $208/mo
• Expected delta: +$420/yr (+$35/mo · 20.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% 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: $22,914
• − Mortgage interest: −$10,357
• − Property taxes: −$2,081
• − Insurance: −$924
• − Repairs & maintenance: −$1,833
• − Management: −$1,833
• − Depreciation: −$5,379
• Taxable income: $506
• Est. tax owed @ 24.0%: −$122
• After-tax cash flow: $3,340/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: Danville Area SD
• NCES district ID: 4207320
• Math proficiency: 50% ▼ -12.00%
• Reading proficiency: 67% ▼ -8.00%
• Median HH income: $51,554
• Composite: 49.92/100
• National rank: #1939
• State rank: #83 of 539 in PA

Livability — Danville

• Score: 74/100
• State rank: #508
• US rank: #4632

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Danville, PA
• County: Montour County · 18,613 people
• City population: 18,613
• Metro: Bloomsburg-Berwick, PA
• Population (ZIP): 18,613
• Household income: $76,971
• Rent vs Own: 30.2% rent · 69.8% own
• Severe rent burden: 361.0

Population outlook (Montour County) Hauer SSP2

• Today (2025): 18,673 people
• By 2030: 18,660 · -0.1%
• By 2040: 18,522 · -0.8%
• By 2050: 18,239 · -2.3%
• By 2075: 17,636 · -5.6%
• By 2100: 16,283 · -12.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 3% Asian 3% Two or more races 3% Black 2%
• Common ancestry: Romanian 5% Iranian 3% Slovak 2%
• Foreign-born: 5% · Canada, China, Jamaica
• Languages at home: 93% English-only · Spanish 2% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Montour

• 2024 margin: Strong R (+21.0) · D 39.0% · R 60.0% · Other 1.0%
• 2008→2024 swing: -5.9pp toward R · 2008: -15.1pp · 2024: -21.0pp
• All cycles: 2024: R+21.0 2020: R+21.1 2016: R+28.4 2012: R+20.7 2008: R+15.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -41.95%
• Current HPI: 192.6962
• Rent YoY: —
• Metro: Bloomsburg-Berwick, PA
• 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

+8.8% since first listed

11 events — show timeline

• 2026-05-08 Price Changed $184,900 CSVBR
• 2026-04-20 Relisted — CSVBR
• 2026-03-08 Contingent — CSVBR
• 2026-01-13 Price Changed $189,000 CSVBR
• 2025-12-11 Listed $195,000 CSVBR
• 2025-06-11 Rental Removed $2,000 TURBOTENANT
• 2025-05-16 Sold (Public Records) $169,900 Public Records
• 2025-05-13 Sold (MLS) $169,900 CSVBR
• 2025-05-10 Listed for Rent $2,000 TURBOTENANT
• 2025-04-10 Contingent — CSVBR
• 2025-04-07 Listed $169,900 CSVBR

Property tax history

+2.8%/yr

Latest (2026): $2,081 · +9.4% YoY. Source: county tax records.