1317 W Norwegian St · Pottsville, PA 17901

$139,900

3 bd · 1.5 ba · 1,376 sqft · Townhouse public records · 158 Days on market

Built 1900 1,742 sqft lot

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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 +19.2/30.0
• ARV discount +7.5/15.0
• DSCR +6.1/10.0
• 1% rule +4.8/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

4 Bedroom 1 bathroom Pottsville home. Over 1300 Sq ft to spread out. Large open living room / Dining room area. Very few homes available in this price range. Schedule a showing before its gone!

Key facts

• Efficient gas heat
• New furnace
• Off street parking

Tags

• MOVE IN READY
• APPLIANCES INCLUDED
• NEW FURNACE
• EFFICIENT GAS HEAT
• NEW CARPET
• OFF STREET PARKING

Property features AI

Finance

• Financial info: Ownership: Fee simple

Exterior

• Parking: Off-street parking; On-street parking
• Utilities: Public water; Public sewer
• Home design: End of row townhouse; Estimated year built
• Construction: Aluminum siding; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Not in a federal flood zone; Lot approximately 20.00 x 97.00

Interior

• Bedrooms: 4 bedrooms on the main level
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Baseboard hot water heating; Natural gas heating fuel; Oil hot water
• Interior features: Partial basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $140k.

Deal economics

• At list price, monthly cash flow is $152 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $138k (1.7% below list).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 6.1% in Pottsville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $967 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.

Negotiation context

• It's been on market 158 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 14y ago; this cycle's ask has dropped $17k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $37k; list at $140k implies a 278% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 158 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 1900 — 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 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: 0.98% ✗
• Cap rate: 7.59%
• Cash-on-cash: 4.65%
• DSCR: 1.21
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $71,552
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1222 W Market St W	0.12mi	3/1.0	1,456 (+6%)	5mo	$130,000	$89	78
328 N 12th St	0.31mi	3/1.5	1,398 (+2%)	7mo	$88,000	$63	77
515 W Arch St	0.47mi	3/1.0	1,344 (-2%)	5mo	$80,000	$60	68
248 N 12th St	0.26mi	2/1.0 (-1)	1,320 (-4%)	8mo	$78,000	$59	68
6 N 12th St	0.15mi	2/1.0 (-1)	1,224 (-11%)	4mo	$55,000	$45	64
243 Pierce St	0.60mi	3/1.5	1,448 (+5%)	1mo	$76,000	$52	62
513 W Arch St	0.48mi	3/1.0	1,308 (-5%)	6mo	$57,000	$44	62
611 Fairview St	0.61mi	3/1.0	1,300 (-6%)	2mo	$45,000	$35	59
292 N 8th St	0.36mi	3/1.0	1,527 (+11%)	6mo	$58,000	$38	58
320 W Norwegian St	0.56mi	4/1.0 (+1)	1,300 (-6%)	0mo	$50,000	$38	57
306 S 2nd St	0.67mi	4/1.0 (+1)	1,432 (+4%)	1mo	$60,000	$42	54
713 N 3rd St	0.75mi	4/1.0 (+1)	1,559 (+13%)	6mo	$136,000	$87	31

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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: -6.1%
• Equity multiple: 0.77×
• Total profit: $-9,169
• Equity at exit: $20,860

10-year hold

• IRR: 6.4%
• Equity multiple: 1.54×
• Total profit: $21,108
• Equity at exit: $12,096

Cash invested: $39,172 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,376 high
• Mortgage (P&I): −$734
• Tax from tax record: −$143 /mo · $1,717/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$289
• Net cashflow: $152

Break-even live

Break-even rent $1,184

Max offer price $139,900

Occupancy floor 84%

Sensitivity live

Price	-10% $231	-5% $191	+0% $152	+5% $112	+10% $73
Rent	-10% $43	-5% $97	+0% $152	+5% $206	+10% $260
Rate	-1.0pp $222	-0.5pp $187	base $152	+0.5pp $115	+1.0pp $79

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	44d	1	0.25mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	44d	1	0.31mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.42mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.63mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	44d	1	0.76mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	44d	1	0.78mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	0.89mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	44d	1	0.96mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	44d	1	1.04mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	44d	1	1.06mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	44d	1	1.10mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	1.18mi

Listing history 26 events

1. 2026-04-30
   status Pending
2. 2026-04-08
   price $139,900
3. 2026-01-06
   status Active
4. 2026-01-06
   status Pending
5. 2026-01-02
   historical Active Under Contract
6. 2025-11-19
   listed $156,900 Active
7. 2021-05-12
   historical
8. 2021-04-13
   listed $89,900 Active
9. 2020-11-06
   soldstatus $37,000
10. 2020-11-04
    soldstatus $37,000 Closed 193-char remark

    Show marketing remark (193 chars)

    4 Bedroom 1 bathroom Pottsville home. Over 1300 Sq ft to spread out. Large open living room / Dining room area. Very few homes available in this price range. Schedule a showing before its gone!

11. 2020-10-06
    status Pending 193-char remark

    Show marketing remark (193 chars)

    4 Bedroom 1 bathroom Pottsville home. Over 1300 Sq ft to spread out. Large open living room / Dining room area. Very few homes available in this price range. Schedule a showing before its gone!

12. 2020-09-26
    historical Active Under Contract 193-char remark

    Show marketing remark (193 chars)

    4 Bedroom 1 bathroom Pottsville home. Over 1300 Sq ft to spread out. Large open living room / Dining room area. Very few homes available in this price range. Schedule a showing before its gone!

13. 2020-09-04
    listed $41,900 Active 193-char remark

    Show marketing remark (193 chars)

    4 Bedroom 1 bathroom Pottsville home. Over 1300 Sq ft to spread out. Large open living room / Dining room area. Very few homes available in this price range. Schedule a showing before its gone!

14. 2020-07-31
    historical
15. 2020-04-03
    price $41,900
16. 2020-03-20
    status Active
17. 2020-02-24
    status Pending
18. 2020-02-12
    price $44,900
19. 2020-01-07
    price $47,900
20. 2019-11-07
    listed $49,900 Active
21. 2016-04-15
    historical
22. 2015-11-11
    listed $55,000
23. 2012-11-05
    soldstatus $18,000
24. 2012-07-31
    historical
25. 2012-07-31
    listed $18,000
26. 2004-12-17
    soldstatus $27,500

ⓘ 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: $1,717 · $143/mo
• Projected year-2 tax: $1,964 · $164/mo
• Expected delta: +$247/yr (+$21/mo · 14.4%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,508
• − Mortgage interest: −$7,837
• − Property taxes: −$1,717
• − Insurance: −$700
• − Repairs & maintenance: −$1,321
• − Management: −$1,321
• − Depreciation: −$4,070
• Taxable loss: −$457
• Est. tax savings @ 24.0%: +$110
• After-tax cash flow: $1,930/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, 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

+408.7% since first listed

26 events — show timeline

• 2026-04-30 Pending — BRIGHT MLS
• 2026-04-08 Price Changed $139,900 BRIGHT MLS
• 2026-01-06 Relisted — BRIGHT MLS
• 2026-01-06 Pending — BRIGHT MLS
• 2026-01-02 Contingent — BRIGHT MLS
• 2025-11-19 Listed $156,900 BRIGHT MLS
• 2021-05-12 Listing Removed — BRIGHT MLS
• 2021-04-13 Listed $89,900 BRIGHT MLS
• 2020-11-06 Sold (Public Records) $37,000 Public Records
• 2020-11-04 Sold (MLS) $37,000 BRIGHT MLS
• 2020-10-06 Pending — BRIGHT MLS
• 2020-09-26 Contingent — BRIGHT MLS
• 2020-09-04 Listed $41,900 BRIGHT MLS
• 2020-07-31 Listing Removed — BRIGHT MLS
• 2020-04-03 Price Changed $41,900 BRIGHT MLS
• 2020-03-20 Relisted — BRIGHT MLS
• 2020-02-24 Pending — BRIGHT MLS
• 2020-02-12 Price Changed $44,900 BRIGHT MLS
• 2020-01-07 Price Changed $47,900 BRIGHT MLS
• 2019-11-07 Listed $49,900 BRIGHT MLS
• 2016-04-15 Listing Removed — GLVRMLS
• 2015-11-11 Listed $55,000 GLVRMLS
• 2012-11-05 Sold (MLS) $18,000 BRIGHT MLS
• 2012-07-31 Listed $18,000 BRIGHT MLS
• 2012-07-31 Listing Removed — BRIGHT MLS
• 2004-12-17 Sold (Public Records) $27,500 Public Records

Property tax history

+3.2%/yr

Latest (2025): $1,717 · +8.6% YoY. Source: county tax records.