466 N North St · Minersville, PA 17954

$95,000

2 bd · 1.0 ba · 1,336 sqft · SingleFamily public records · 21 Days on market

Built 1900 1,307 sqft lot $71/sqft · 6% above area Est $94k · at est.

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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 +26.5/30.0
• DSCR +9.0/10.0
• Appreciation +7.3/10.0
• 1% rule +7.1/10.0
• ARV discount +7.0/15.0
• Livability +3.5/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Priced to move at just $95,000, this Minersville home is bringing serious value with 3 bedrooms, 1.5 bath, and a finished attic that can easily serve as a 4th bedroom, office, or bonus space. You want options? You’ve got them here. Clean, solid, and move in ready, this home offers a simple, functional layout with comfortable living space and flexibility to fit your lifestyle. Need an extra bedroom? Done. Work from home? Perfect setup. Affordable homes with this kind of versatility do not last. Whether you are buying your first home or adding to your portfolio, this one makes sense any way you look at it. Get in before it’s gone.

Key facts

• Built 1900
• Listed 21 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $196 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $94k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 70/100 on livability (#742 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, crime A; Watch: commute F, employment F.
• Minersville Area SD (town): math 21% / reading 50% proficiency, ranked #420 of 539 in PA (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Minersville Area El Ctr (math 24% / reading 56%, grade F, #942 of 1,518 statewide, top 62%, 466 students, 98% FRL); Minersville Area Jshs (math 17% / reading 42%, grade F, #349 of 437 statewide, top 81%, 527 students, 96% FRL) — zoned schools average 97% FRL vs 39% district-wide (57 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 38 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($657 loan paydown + $4k appreciation (4.7% 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 (4.7% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y 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 $70k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $93,575 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.21% ✓
• Cap rate: 9.47%
• Cash-on-cash: 11.34%
• DSCR: 1.50
• GRM: 6.9

CMA / ARV

• ARV (median comp): $93,890
• List price: $95,000
• Delta: 1.18%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
325 Lewis St	0.15mi	3/1.0 (+1)	1,302 (-2%)	7mo	$81,000	$62	78
227 Middle St	0.24mi	3/1.0 (+1)	1,200 (-10%)	13mo	$19,000	$16	56
235 Carbon St	0.20mi	3/1.0 (+1)	1,458 (+9%)	18mo	$75,000	$51	56
419 Coal St	0.30mi	3/1.5 (+1)	1,490 (+12%)	10mo	$165,000	$111	51
5 Shady Ln	0.60mi	3/2.0 (+1)	1,350 (+1%)	12mo	$185,000	$137	51
39 Westwood St	0.45mi	3/1.0 (+1)	1,400 (+5%)	18mo	$124,000	$89	51
25 Carbon St	0.37mi	3/1.0 (+1)	1,460 (+9%)	21mo	$105,000	$72	44
201 Arlene St	0.72mi	3/1.0 (+1)	1,232 (-8%)	6mo	$250,000	$203	43
325 Washington St	0.64mi	3/1.0 (+1)	1,204 (-10%)	7mo	$175,650	$146	43
401 Spring St	0.49mi	3/1.5 (+1)	1,136 (-15%)	11mo	$180,000	$158	36
227 Llewellyn Rd	0.65mi	3/1.0 (+1)	1,171 (-12%)	20mo	$50,000	$43	27

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

Projected returns pro-forma

4.65% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.22×
• Total profit: $32,544
• Equity at exit: $51,836

10-year hold

• IRR: 19.8%
• Equity multiple: 4.33×
• Total profit: $88,638
• Equity at exit: $87,851

Cash invested: $26,600 (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 17954

• Home prices YoY: 2.3%
• Active inventory: 38
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,150 medium
• Mortgage (P&I): −$498
• Tax from tax record: −$119 /mo · $1,432/yr
• Insurance: −$40
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $196

Break-even live

Break-even rent $902

Max offer price $95,000

Occupancy floor 78%

Sensitivity live

Price	-10% $250	-5% $223	+0% $196	+5% $169	+10% $142
Rent	-10% $105	-5% $150	+0% $196	+5% $241	+10% $287
Rate	-1.0pp $244	-0.5pp $220	base $196	+0.5pp $171	+1.0pp $146

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
504 Laurel St Minersville, PA	3.0	2.0	1059	$1,150	$1.09	46d	1	0.44mi

Listing history 12 events

1. 2026-05-06
   status Pending 648-char remark

   Show marketing remark (648 chars)

   Priced to move at just $95,000, this Minersville home is bringing serious value with 3 bedrooms, 1.5 bath, and a finished attic that can easily serve as a 4th bedroom, office, or bonus space. You want options? You’ve got them here. Clean, solid, and move in ready, this home offers a simple, functional layout with comfortable living space and flexibility to fit your lifestyle. Need an extra bedroom? Done. Work from home? Perfect setup. Affordable homes with this kind of versatility do not last. Whether you are buying your first home or adding to your portfolio, this one makes sense any way you look at it. Get in before it’s gone.

2. 2026-04-15
   listed $95,000 Active 648-char remark

   Show marketing remark (648 chars)

   Priced to move at just $95,000, this Minersville home is bringing serious value with 3 bedrooms, 1.5 bath, and a finished attic that can easily serve as a 4th bedroom, office, or bonus space. You want options? You’ve got them here. Clean, solid, and move in ready, this home offers a simple, functional layout with comfortable living space and flexibility to fit your lifestyle. Need an extra bedroom? Done. Work from home? Perfect setup. Affordable homes with this kind of versatility do not last. Whether you are buying your first home or adding to your portfolio, this one makes sense any way you look at it. Get in before it’s gone.

3. 2026-04-14
   historical $95,000 648-char remark

   Show marketing remark (648 chars)

   Priced to move at just $95,000, this Minersville home is bringing serious value with 3 bedrooms, 1.5 bath, and a finished attic that can easily serve as a 4th bedroom, office, or bonus space. You want options? You’ve got them here. Clean, solid, and move in ready, this home offers a simple, functional layout with comfortable living space and flexibility to fit your lifestyle. Need an extra bedroom? Done. Work from home? Perfect setup. Affordable homes with this kind of versatility do not last. Whether you are buying your first home or adding to your portfolio, this one makes sense any way you look at it. Get in before it’s gone.

4. 2022-10-11
   soldstatus $69,900
5. 2022-09-14
   soldstatus $69,900 Closed 611-char remark

   Show marketing remark (611 chars)

   Move In Ready!! Conveniently located close to the schools, and within walking distance of downtown, this 3 bedroom, 1 & a ½ bath home in Minersville is waiting for you!! This home features a large living room and dining room, with hardwood floors, kitchen, laundry, and a ½ bath on the first level. Step outside to your covered patio, and fenced in back yard. The second level of this home has a large Master bedroom, 2 other bedrooms, and bath. Plenty of options with the partially finished attic, including a potential 4th bedroom. This home also features a newer furnace (January 2021).

6. 2022-08-23
   status Pending 611-char remark

   Show marketing remark (611 chars)

   Move In Ready!! Conveniently located close to the schools, and within walking distance of downtown, this 3 bedroom, 1 & a ½ bath home in Minersville is waiting for you!! This home features a large living room and dining room, with hardwood floors, kitchen, laundry, and a ½ bath on the first level. Step outside to your covered patio, and fenced in back yard. The second level of this home has a large Master bedroom, 2 other bedrooms, and bath. Plenty of options with the partially finished attic, including a potential 4th bedroom. This home also features a newer furnace (January 2021).

7. 2022-08-22
   listed $69,900 Active 611-char remark

   Show marketing remark (611 chars)

   Move In Ready!! Conveniently located close to the schools, and within walking distance of downtown, this 3 bedroom, 1 & a ½ bath home in Minersville is waiting for you!! This home features a large living room and dining room, with hardwood floors, kitchen, laundry, and a ½ bath on the first level. Step outside to your covered patio, and fenced in back yard. The second level of this home has a large Master bedroom, 2 other bedrooms, and bath. Plenty of options with the partially finished attic, including a potential 4th bedroom. This home also features a newer furnace (January 2021).

8. 2022-08-15
   historical $69,900 611-char remark

   Show marketing remark (611 chars)

   Move In Ready!! Conveniently located close to the schools, and within walking distance of downtown, this 3 bedroom, 1 & a ½ bath home in Minersville is waiting for you!! This home features a large living room and dining room, with hardwood floors, kitchen, laundry, and a ½ bath on the first level. Step outside to your covered patio, and fenced in back yard. The second level of this home has a large Master bedroom, 2 other bedrooms, and bath. Plenty of options with the partially finished attic, including a potential 4th bedroom. This home also features a newer furnace (January 2021).

9. 2009-10-15
   soldstatus $28,000
10. 2009-10-08
    soldstatus $28,000
11. 2009-06-11
    listed $28,000
12. 2009-06-11
    historical

ⓘ 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: $1,432 · $119/mo
• Projected year-2 tax: $1,466 · $122/mo
• Expected delta: +$35/yr (+$3/mo · 2.4%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 76% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% 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: $13,800
• − Mortgage interest: −$5,321
• − Property taxes: −$1,432
• − Insurance: −$1,142
• − Repairs & maintenance: −$1,104
• − Management: −$1,104
• − Depreciation: −$2,764
• Taxable income: $934
• Est. tax owed @ 24.0%: −$224
• After-tax cash flow: $2,126/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: Minersville Area SD
• NCES district ID: 4215510
• Math proficiency: 21% ▼ -12.00%
• Reading proficiency: 50% ▼ -8.00%
• Median HH income: $40,865
• Composite: 29.77/100
• National rank: #6433
• State rank: #420 of 539 in PA

Livability — Minersville

• Score: 70/100
• State rank: #742
• US rank: #7439

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Minersville, PA
• City population: 27,121
• Population (ZIP): 4,564

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 (81%)
• Race & ethnicity: White 81% Two or more races 15% Hispanic / Latino 12%
• Hispanic origin (detail): Puerto Rican 11%
• Common ancestry: Polish 5% Romanian 5% Subsaharan African 4%
• Foreign-born: 3% · Canada, China
• Languages at home: 97% English-only · Spanish 2%

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: ▲ 4.65%
• Current HPI: 209.7647
• 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

+239.3% since first listed

12 events — show timeline

• 2026-05-06 Pending — BRIGHT MLS
• 2026-04-15 Listed $95,000 BRIGHT MLS
• 2026-04-14 Coming Soon $95,000 BRIGHT MLS
• 2022-10-11 Sold (Public Records) $69,900 Public Records
• 2022-09-14 Sold (MLS) $69,900 BRIGHT MLS
• 2022-08-23 Pending — BRIGHT MLS
• 2022-08-22 Listed $69,900 BRIGHT MLS
• 2022-08-15 Coming Soon $69,900 BRIGHT MLS
• 2009-10-15 Sold (MLS) $28,000 BRIGHT MLS
• 2009-10-08 Sold (Public Records) $28,000 Public Records
• 2009-06-11 Listing Removed — BRIGHT MLS
• 2009-06-11 Listed $28,000 BRIGHT MLS

Property tax history

+5.1%/yr

Latest (2025): $1,432 · +5.6% YoY. Source: county tax records.