145 N Railroad Ave · Frackville, PA 17931

$149,900

3 bd · 1.0 ba · 1,440 sqft · MultiFamily public records · 4 Days on market

Built 1920 2,178 sqft lot

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 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

New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

Key facts

• New wall oven
• Updated kitchen
• Tiled shower

Tags

• UPDATED KITCHEN
• STAINLESS STEEL APPLIANCES
• NEW WALL OVEN
• CUSTOM CABINET ENCLOSURE
• NEWER FIRST-FLOOR FULL BATH
• TILED SHOWER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath multifamily listed at $150k.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $150k).

Location & tenants

• Location reads 75/100 on livability (#424 in PA, #3,873 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities D, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 31 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 ~4 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 21y 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 $36k; list at $150k implies a 311% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $149,900

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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 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: 1.83% ✓
• Cap rate: 15.80%
• Cash-on-cash: 33.95%
• DSCR: 2.51
• GRM: 4.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 29.3%
• Equity multiple: 2.22×
• Total profit: $51,341
• Equity at exit: $22,351

10-year hold

• IRR: 36.6%
• Equity multiple: 4.39×
• Total profit: $142,104
• 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 17931

• Home prices YoY: -22.6%
• Active inventory: 31
• Price-to-rent: 13.7×

Monthly cashflow live

• Estimated rent: $2,736 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$125 /mo · $1,505/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$575
• Net cashflow: $1,187

Break-even live

Break-even rent $1,233

Max offer price $149,900

Occupancy floor 52%

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

Units	Beds	Baths	Est. rent
▸ 3× units	3	2	$2,736
Total (3 units)			$2,736

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 14 events

1. 2026-04-28
   status Pending
2. 2026-04-23
   historical Active Under Contract
3. 2026-04-18
   listed $149,900 Active
4. 2019-07-26
   status Pending 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

5. 2019-07-26
   soldstatus $36,500 Closed 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

6. 2019-07-18
   historical Active Under Contract 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

7. 2019-07-10
   price $40,000 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

8. 2019-06-01
   status Active 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

9. 2019-01-22
   historical 138-char remark

   Show marketing remark (138 chars)

   New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

10. 2019-01-21
    listed $45,000 Active 138-char remark

    Show marketing remark (138 chars)

    New wall-to-wall carpeting throughout. Modern kitchen and bath. Move right in to this affordable home in North Schuylkill School District.

11. 2006-07-05
    soldstatus $35,500
12. 2006-06-30
    soldstatus $37,500 185-char remark

    Show marketing remark (185 chars)

    Newer vinyl siding, relaxing rear deck with yard. Shed for additional storage. Rear roof is rubber. Has carm. Additional Coal stove on 1st floor. Attic for storage or potential bedroom.

13. 2006-05-27
    historical 185-char remark

    Show marketing remark (185 chars)

    Newer vinyl siding, relaxing rear deck with yard. Shed for additional storage. Rear roof is rubber. Has carm. Additional Coal stove on 1st floor. Attic for storage or potential bedroom.

14. 2005-07-05
    listed $37,500 185-char remark

    Show marketing remark (185 chars)

    Newer vinyl siding, relaxing rear deck with yard. Shed for additional storage. Rear roof is rubber. Has carm. Additional Coal stove on 1st floor. Attic for storage or potential bedroom.

ⓘ 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: $1,505 · $125/mo
• Projected year-2 tax: $1,937 · $161/mo
• Expected delta: +$431/yr (+$36/mo · 28.7%)

ⓘ 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 3/10 Moderate 7 d/yr ≥92°F today · 15 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,832
• − Mortgage interest: −$8,397
• − Property taxes: −$1,505
• − Insurance: −$750
• − Repairs & maintenance: −$2,627
• − Management: −$2,627
• − Depreciation: −$4,361
• Taxable income: $12,566
• Est. tax owed @ 24.0%: −$3,016
• After-tax cash flow: $11,233/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Frackville

• Score: 75/100
• State rank: #424
• US rank: #3873

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Frackville, PA
• Population (ZIP): 8,726

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 (66%)
• Race & ethnicity: White 66% Black 23% Hispanic / Latino 9% Two or more races 5%
• Hispanic origin (detail): Puerto Rican 4% Dominican 2%
• Common ancestry: Romanian 10% Iranian 3% Subsaharan African 3%
• Foreign-born: 1%
• Languages at home: 91% English-only · Spanish 6% Russian/Polish/Slavic 1% Korean 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: ▼ -48.47%
• Current HPI: 165.7692
• 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

+299.7% since first listed

14 events — show timeline

• 2026-04-28 Pending — BRIGHT MLS
• 2026-04-23 Contingent — BRIGHT MLS
• 2026-04-18 Listed $149,900 BRIGHT MLS
• 2019-07-26 Pending — BRIGHT MLS
• 2019-07-26 Sold (MLS) $36,500 BRIGHT MLS
• 2019-07-18 Contingent — BRIGHT MLS
• 2019-07-10 Price Changed $40,000 BRIGHT MLS
• 2019-06-01 Relisted — BRIGHT MLS
• 2019-01-22 Listing Removed — BRIGHT MLS
• 2019-01-21 Listed $45,000 BRIGHT MLS
• 2006-07-05 Sold (Public Records) $35,500 Public Records
• 2006-06-30 Sold (MLS) $37,500 BRIGHT MLS
• 2006-05-27 Listing Removed — BRIGHT MLS
• 2005-07-05 Listed $37,500 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $1,505 · +8.2% YoY. Source: county tax records.