503-505 E Broad St · Tamaqua, PA 18252

$149,900

3 bd · 1.5 ba · 3,336 sqft · SingleFamily · 35 Days on market

Built 1910 Fair condition 7,405 sqft lot $45/sqft · 39% below area Est $248k · 39% under ↓ 39% 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 +26.3/30.0
• ARV discount +15.0/15.0
• DSCR +8.9/10.0
• 1% rule +7.0/10.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

Key facts

• Wood trim
• Pocket doors
• Full yard

Tags

• CHANDELIER LIGHT FIXTURES
• WOOD TRIM
• POCKET DOORS
• UPDATED ELECTRICAL SYSTEM
• HEATING UNIT
• FULL YARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $150k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $387 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $145k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 6.3% in Tamaqua — 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 80/100 on livability (#209 in PA, #1,844 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute D+, employment F.
• Tamaqua Area SD (rural): math 31% / reading 53% proficiency, ranked #331 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Tamaqua El Sch (math 35% / reading 56%, grade D-, #801 of 1,518 statewide, top 53%, 695 students, 68% FRL); Tamaqua Area Ms (math 20% / reading 46%, grade F, #346 of 512 statewide, top 69%, 433 students, 61% FRL); Tamaqua Area Shs (math 47% / reading 62%, grade C-, #99 of 437 statewide, top 23%, 691 students, 50% FRL) — zoned schools average 60% FRL vs 37% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 76 active listings in the ZIP; 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 $1k of loan paydown is wiped out by about $4k 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 $42k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $95k (39%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $145,403 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.20% ✓
• Cap rate: 9.39%
• Cash-on-cash: 11.07%
• DSCR: 1.49
• GRM: 6.9

CMA / ARV

• ARV (median comp): $247,713
• List price: $149,900
• Delta: -39.49%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
509 Schuylkill Ave	0.56mi	3/2.0	3,489 (+5%)	20mo	$220,000	$63	48

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: 0.2%
• Equity multiple: 1.01×
• Total profit: $388
• Equity at exit: $22,351

10-year hold

• IRR: 9.9%
• Equity multiple: 1.77×
• Total profit: $32,191
• Equity at exit: $12,961

Cash invested: $41,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Pennsylvania: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 18252

• Home prices YoY: -15.4%
• Active inventory: 76
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,801 medium
• Mortgage (P&I): −$786
• Tax est. 1.5%: −$187 /mo · $2,248/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$378
• Net cashflow: $387

Break-even live

Break-even rent $1,311

Max offer price $149,900

Occupancy floor 74%

Sensitivity live

Price	-10% $491	-5% $439	+0% $387	+5% $335	+10% $283
Rent	-10% $245	-5% $316	+0% $387	+5% $458	+10% $529
Rate	-1.0pp $463	-0.5pp $425	base $387	+0.5pp $348	+1.0pp $309

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

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

Listing history 10 events

1. 2026-05-14
   status Pending 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

2. 2026-05-14
   status Pending 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

3. 2026-05-07
   price $149,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

4. 2026-05-07
   price $149,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

5. 2026-04-16
   price $174,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

6. 2026-04-16
   price $174,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

7. 2026-04-13
   price $199,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

8. 2026-04-13
   price $199,900 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

9. 2026-04-09
   listed $245,000 Active 361-char remark

   Show marketing remark (361 chars)

   Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

10. 2026-04-08
    listed $245,000 Active 361-char remark

    Show marketing remark (361 chars)

    Charming Tamaqua Single- they don't build them like this anymore. .. the interior is well appointed with quality features including plaster walls, chandelier light fixtures, wood trim and pocket doors. The spacious interior includes 11 rooms, 4 bedrooms and 1-1/2 bathrooms. Updated electrical system & heating unit, full yard and additional lot included.

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $21,615
• − Mortgage interest: −$8,397
• − Property taxes: −$2,248
• − Insurance: −$750
• − Repairs & maintenance: −$1,729
• − Management: −$1,729
• − Depreciation: −$4,361
• Taxable income: $2,401
• Est. tax owed @ 24.0%: −$576
• After-tax cash flow: $4,068/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.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires moderate renovations to improve its condition and increase its value. Key areas for improvement include the kitchen, bathrooms, exterior siding, and landscaping.

Repairs flagged

• Major Kitchen appliances — Old and outdated
• Major Bathroom fixtures — Old and outdated
• Major Exterior siding — Weathered and in need of repainting
• Major Landscaping — Overgrown and in need of trimming

Value-add opportunities

• Resale Painting interior walls — Fresh paint can make a significant difference in the home's appearance
• Rental Landscaping — A well-maintained yard can attract more renters
• Resale Upgrading kitchen appliances — Modern appliances can significantly increase the home's value
• Resale Upgrading bathroom fixtures — Modern fixtures can significantly increase the home's value
• Resale Re-siding exterior — A fresh exterior can significantly increase the home's curb appeal and value

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen appliances · Old and outdated	Major	$15,000–50,000
Bathroom fixtures · Old and outdated	Major	$15,000–50,000
Exterior siding · Weathered and in need of repainting	Major	$15,000–50,000
Landscaping · Overgrown and in need of trimming	Major	$15,000–50,000
Total estimated repair cost · 4 items		$60,000–200,000

Value-add ROI direction

• Resale Painting interior walls — Fresh paint can make a significant difference in the home's appearance ↑
• Rental Landscaping — A well-maintained yard can attract more renters ↑
• Resale Upgrading kitchen appliances — Modern appliances can significantly increase the home's value ↑
• Resale Upgrading bathroom fixtures — Modern fixtures can significantly increase the home's value ↑
• Resale Re-siding exterior — A fresh exterior can significantly increase the home's curb appeal and value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Tamaqua Area SD
• NCES district ID: 4223220
• Math proficiency: 31% ▼ -9.00%
• Reading proficiency: 53% ▼ -8.00%
• Median HH income: $45,184
• Composite: 35.61/100
• National rank: #4893
• State rank: #331 of 539 in PA

Livability — Tamaqua

• Score: 80/100
• State rank: #209
• US rank: #1844

Category grades

Amenities A+ Commute D+ 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: Tamaqua, PA
• Population (ZIP): 11,065

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 9% Two or more races 8%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3% Salvadoran 2%
• Common ancestry: Romanian 11% Iranian 3% Polish 2%
• Foreign-born: 2% · Canada, Dominican Republic
• 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: ▼ -35.53%
• Current HPI: 194.8976
• 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

-38.8% since first listed

10 events — show timeline

• 2026-05-14 Pending — LCAR
• 2026-05-14 Pending — BRIGHT MLS
• 2026-05-07 Price Changed $149,900 BRIGHT MLS
• 2026-05-07 Price Changed $149,900 LCAR
• 2026-04-16 Price Changed $174,900 BRIGHT MLS
• 2026-04-16 Price Changed $174,900 LCAR
• 2026-04-13 Price Changed $199,900 BRIGHT MLS
• 2026-04-13 Price Changed $199,900 LCAR
• 2026-04-09 Listed $245,000 BRIGHT MLS
• 2026-04-08 Listed $245,000 LCAR