18 N Berne St · Schuylkill Haven, PA 17972

$265,000

3 bd · 2.0 ba · 1,694 sqft · MultiFamily public records · 65 Days on market

Built 1920 2,614 sqft lot $156/sqft · 64% above area Est $202k · 31% over

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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 +29.2/30.0
• DSCR +10.0/10.0
• 1% rule +7.7/10.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks MLS

Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Easy parking with 2 covered spots under the new carport(2025) for off street parking. You'll have piece of mind knowing this home has a newer roof (2022) and new mini split system(2023) for efficient cooling and heat, and also a waterproofed basement with a warranty for the drain system. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

Key facts

• Formal dining room
• Family room
• Modern kitchen

Tags

• MODERN KITCHEN
• STAINLESS STEEL APPLIANCES
• BREAKFAST BAR
• FORMAL DINING ROOM
• SPACIOUS LIVING ROOM
• FAMILY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath multifamily listed at $265k.

Deal economics

• At list price, monthly cash flow is $927 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $265k).
• Recommended offer: $249k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 80/100 on livability (#197 in PA, #1,714 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities C-, commute F, employment F.
• Schuylkill Haven Area SD (town): math 27% / reading 56% proficiency, ranked #330 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 52 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

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $74k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($249k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y 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 $160k; list at $265k implies a 66% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $249,100 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.27% ✓
• Cap rate: 10.49%
• Cash-on-cash: 14.99%
• DSCR: 1.67
• GRM: 6.5

CMA / ARV

• ARV (median comp): $201,781
• List price: $265,000
• Delta: 31.33%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 5.6%
• Equity multiple: 1.22×
• Total profit: $16,094
• Equity at exit: $39,512

10-year hold

• IRR: 15.0%
• Equity multiple: 2.21×
• Total profit: $90,017
• Equity at exit: $22,912

Cash invested: $74,200 (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 17972

• Home prices YoY: -9.1%
• Active inventory: 52
• Price-to-rent: 19.6×

Monthly cashflow live

• Estimated rent: $3,376 medium
• Mortgage (P&I): −$1,390
• Tax from tax record: −$240 /mo · $2,879/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$709
• Net cashflow: $927

Break-even live

Break-even rent $2,203

Max offer price $265,000

Occupancy floor 68%

Sensitivity live

Price	-10% $1,077	-5% $1,002	+0% $927	+5% $852	+10% $777
Rent	-10% $660	-5% $794	+0% $927	+5% $1,060	+10% $1,194
Rate	-1.0pp $1,060	-0.5pp $994	base $927	+0.5pp $858	+1.0pp $788

3-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 3× units	2	1	$3,375
Total (3 units)			$3,376

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
136 W Main St Schuylkill Haven, PA	3.0	2.0	1400	$1,500	$1.07	45d	1	0.21mi

Listing history 23 events

1. 2026-06-15
   days on market $265,000 Active 65 DOM
2. 2026-06-14
   days on market $265,000 Active 63 DOM
3. 2026-06-12
   days on market $265,000 Active 62 DOM
4. 2026-06-09
   days on market $265,000 Active 59 DOM
5. 2026-06-08
   days on market $265,000 Active 58 DOM
6. 2026-06-07
   days on market $265,000 Active 57 DOM
7. 2026-06-07
   days on market $265,000 Active 56 DOM
8. 2026-06-04
   days on market $265,000 Active 53 DOM
9. 2026-06-02
   days on market $265,000 Active 52 DOM
10. 2026-06-01
    days on market $265,000 Active 51 DOM
11. 2026-05-31
    days on market $265,000 Active 50 DOM
12. 2026-05-31
    days on market $265,000 Active 49 DOM
13. 2026-05-13
    price $265,000 1456-char remark

    Show marketing remark (1456 chars)

    Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Easy parking with 2 covered spots under the new carport(2025) for off street parking. You'll have piece of mind knowing this home has a newer roof (2022) and new mini split system(2023) for efficient cooling and heat, and also a waterproofed basement with a warranty for the drain system. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

14. 2026-04-11
    listed $275,000 Active 1456-char remark

    Show marketing remark (1456 chars)

    Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Easy parking with 2 covered spots under the new carport(2025) for off street parking. You'll have piece of mind knowing this home has a newer roof (2022) and new mini split system(2023) for efficient cooling and heat, and also a waterproofed basement with a warranty for the drain system. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

15. 2021-03-10
    soldstatus $159,900
16. 2021-03-08
    soldstatus $159,900 Closed 1358-char remark

    Show marketing remark (1358 chars)

    Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Located at the rear of the home is a 12x14 shed, with electric, that is perfect for storing your tools, toys, and outdoor equipment. Easy parking with at least 2 spots for off street parking. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

17. 2021-01-19
    status Pending 1358-char remark

    Show marketing remark (1358 chars)

    Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Located at the rear of the home is a 12x14 shed, with electric, that is perfect for storing your tools, toys, and outdoor equipment. Easy parking with at least 2 spots for off street parking. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

18. 2021-01-13
    listed $159,900 Active 1358-char remark

    Show marketing remark (1358 chars)

    Move right into this beautifully updated, Schuylkill Haven corner property, with 4 bedrooms and 2 1/2 baths. The modern kitchen comes fully appointed with all stainless steel appliances, breakfast bar, and beautiful cabinetry. If you like to have family dinners there is plenty of room in the formal dining room. The spacious living room has beautiful laminate flooring and is just off the kitchen. The first floor also has a family room which is a great place to relax after a long day. This room could easily be a 1st floor bedroom if needed. For added convenience the 1st floor also has a 1/2 bath, a large mudroom, and laundry! The 2nd floor has 3 spacious bedrooms with wall to wall carpet and ceiling fans. The master suite has a full en suite bath, walk in closet, and its own 2nd story porch/balcony. The 3rd floor is completely finished and has a full bath as well. As an added bonus this home has a spare room, with separate exterior access, at the rear of the home which is great for extra storage or maybe a man cave. Located at the rear of the home is a 12x14 shed, with electric, that is perfect for storing your tools, toys, and outdoor equipment. Easy parking with at least 2 spots for off street parking. This home is just a short walk to beautiful Bubeck Park and Stoyers Dam! Call today for a private showing and make this house your home!

19. 2014-12-09
    soldstatus $35,299
20. 2014-11-08
    historical
21. 2014-08-06
    listed $52,400
22. 2005-09-09
    soldstatus $105,000
23. 2002-06-10
    soldstatus $22,000

ⓘ 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: $2,879 · $240/mo
• Projected year-2 tax: $3,533 · $294/mo
• Expected delta: +$654/yr (+$54/mo · 22.7%)

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥97°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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,512
• − Mortgage interest: −$14,844
• − Property taxes: −$2,879
• − Insurance: −$1,325
• − Repairs & maintenance: −$3,241
• − Management: −$3,241
• − Depreciation: −$7,709
• Taxable income: $7,272
• Est. tax owed @ 24.0%: −$1,745
• After-tax cash flow: $9,378/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: Schuylkill Haven Area SD
• NCES district ID: 4220910
• Math proficiency: 27% ▼ -15.00%
• Reading proficiency: 56% ▼ -11.00%
• Median HH income: $51,147
• Composite: 35.73/100
• National rank: #4857
• State rank: #330 of 539 in PA

Livability — Schuylkill Haven

• Score: 80/100
• State rank: #197
• US rank: #1714

Category grades

Amenities C- 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: Schuylkill Haven, PA
• Population (ZIP): 11,294

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 (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Romanian 5% Iranian 3% Lithuanian 3%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1% German/W. Germanic 1% Other Asian/Pacific 1%

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: ▼ -21.14%
• Current HPI: 212.0474
• 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

+1104.5% since first listed

11 events — show timeline

• 2026-05-13 Price Changed $265,000 BRIGHT MLS
• 2026-04-11 Listed $275,000 BRIGHT MLS
• 2021-03-10 Sold (Public Records) $159,900 Public Records
• 2021-03-08 Sold (MLS) $159,900 BRIGHT MLS
• 2021-01-19 Pending — BRIGHT MLS
• 2021-01-13 Listed $159,900 BRIGHT MLS
• 2014-12-09 Sold (MLS) $35,299 BRIGHT MLS
• 2014-11-08 Listing Removed — BRIGHT MLS
• 2014-08-06 Listed $52,400 BRIGHT MLS
• 2005-09-09 Sold (Public Records) $105,000 Public Records
• 2002-06-10 Sold (Public Records) $22,000 Public Records

Property tax history

+1.4%/yr

Latest (2025): $2,879 · +5.0% YoY. Source: county tax records.