709 W Norwegian St · Pottsville, PA 17901

$134,900

3 bd · 2.0 ba · 2,559 sqft · SingleFamily public records · 149 Days on market

Built 1900 1,742 sqft lot $53/sqft · at area comps Est $142k · at est.

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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 +22.0/30.0
• ARV discount +9.7/15.0
• DSCR +7.0/10.0
• 1% rule +5.5/10.0
• 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

This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

Key facts

• Built 1900
• Listed 148 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $215 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $135k).
• Recommended offer: $119k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 6.1% in Pottsville — 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 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; 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 $933 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 + 5.7% rent growth), your $38k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 149 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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.

Risks & watch-outs

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

Recommended offer $118,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 149 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: 1.05% ✓
• Cap rate: 8.21%
• Cash-on-cash: 6.83%
• DSCR: 1.30
• GRM: 7.9

CMA / ARV

• ARV (median comp): $141,822
• List price: $134,900
• Delta: -4.88%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
621 Schuylkill Ave	0.14mi	3/1.0	2,215 (-13%)	12mo	$85,000	$38	57
302 Fleet St	0.70mi	4/1.5 (+1)	2,503 (-2%)	2mo	$245,000	$98	55
941 Fairmount Ave	0.62mi	3/2.0	2,688 (+5%)	21mo	$200,000	$74	46
536 E Norwegian St	0.70mi	3/3.0	2,640 (+3%)	17mo	$90,000	$34	44
206 N 16th St	0.67mi	4/3.0 (+1)	2,400 (-6%)	13mo	$355,000	$148	38

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: -2.9%
• Equity multiple: 0.89×
• Total profit: $-4,188
• Equity at exit: $20,114

10-year hold

• IRR: 9.6%
• Equity multiple: 1.83×
• Total profit: $31,234
• Equity at exit: $11,664

Cash invested: $37,772 (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: 7.9×

Monthly cashflow live

• Estimated rent: $1,423 medium
• Mortgage (P&I): −$707
• Tax from tax record: −$145 /mo · $1,746/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$299
• Net cashflow: $215

Break-even live

Break-even rent $1,151

Max offer price $134,900

Occupancy floor 80%

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: $33,725
• Closing costs: $4,047
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	43d	1	0.20mi

Listing history 21 events

1. 2026-06-19
   days on market $134,900 Active 149 DOM
2. 2026-06-18
   days on market $134,900 Active 148 DOM
3. 2026-06-17
   days on market $134,900 Active 147 DOM
4. 2026-06-16
   days on market $134,900 Active 146 DOM
5. 2026-06-15
   days on market $134,900 Active 145 DOM
6. 2026-06-14
   days on market $134,900 Active 143 DOM
7. 2026-06-12
   days on market $134,900 Active 142 DOM
8. 2026-06-09
   days on market $134,900 Active 139 DOM
9. 2026-06-08
   days on market $134,900 Active 138 DOM
10. 2026-06-07
    days on market $134,900 Active 137 DOM
11. 2026-06-07
    days on market $134,900 Active 136 DOM
12. 2026-06-04
    days on market $134,900 Active 133 DOM
13. 2026-06-02
    days on market $134,900 Active 132 DOM
14. 2026-06-01
    days on market $134,900 Active 131 DOM
15. 2026-05-31
    days on market $134,900 Active 130 DOM
16. 2026-05-31
    days on market $134,900 Active 129 DOM
17. 2026-04-27
    status Active 914-char remark

    Show marketing remark (914 chars)

    This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

18. 2026-04-09
    status Pending 914-char remark

    Show marketing remark (914 chars)

    This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

19. 2026-02-16
    status Active 914-char remark

    Show marketing remark (914 chars)

    This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

20. 2026-02-04
    historical 914-char remark

    Show marketing remark (914 chars)

    This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

21. 2025-12-22
    listed $134,900 Active 914-char remark

    Show marketing remark (914 chars)

    This spacious three-story brick home with six bedrooms and two and a half baths is full of classic charm with its high ceilings, beautiful natural woodwork, and hardwood floors throughout. The main level includes a formal living room, dining room, and a kitchen with some granite countertops and a tiled floor. There is also a convenient half bath on the main level. The second floor has three nice-sized bedrooms and a full bath. The third floor includes three additional bedrooms and a full bath, providing flexible living space that can be used for guests, a home office, a playroom, or extended living needs. Several bedrooms have been freshly painted and have large windows that provide natural light. A full basement with a laundry area with cabinets and storage space. The property has economical gas heat that’s easy on the budget. Off-street parking is available across the street for $40 per month.

ⓘ 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: $1,746 · $145/mo
• Projected year-2 tax: $1,939 · $162/mo
• Expected delta: +$193/yr (+$16/mo · 11.0%)

ⓘ 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: $17,075
• − Mortgage interest: −$7,556
• − Property taxes: −$1,746
• − Insurance: −$674
• − Repairs & maintenance: −$1,366
• − Management: −$1,366
• − Depreciation: −$3,924
• Taxable income: $442
• Est. tax owed @ 24.0%: −$106
• After-tax cash flow: $2,474/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

5 events — show timeline

• 2026-04-27 Relisted — BRIGHT MLS
• 2026-04-09 Pending — BRIGHT MLS
• 2026-02-16 Relisted — BRIGHT MLS
• 2026-02-04 Listing Removed — BRIGHT MLS
• 2025-12-22 Listed $134,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,746 · +8.6% YoY. Source: county tax records.