325 N Main St · Archbald, PA 18403

$120,000

4 bd · 2.0 ba · 2,200 sqft · SingleFamily · 9 Days on market

Built 1930 0.34 ac lot $55/sqft · 50% below area

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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
• DSCR +10.0/10.0
• 1% rule +9.6/10.0
• ARV discount +7.5/15.0
• Schools +3.9/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity knocks in Eynon with this versatile side-by-side duplex, perfectly positioned on a rare oversized corner lot just under 15,000 sq ft. Zoned for commercial use while currently operating as a residential property, this is a unique find with multiple paths for future use. Each unit offers approximately 1,100 sq ft of living space, featuring 2 bedrooms and 1 full bath, making it well-suited for rental income, owner-occupancy, or a value-add renovation. Whether you're an investor searching for your next project, a first-time buyer looking to build equity, or a commercial buyer ready to develop on a highly visible, generously sized lot, this property delivers flexibility and potential

Key facts

• 0.34 acre lot
• Built 1930
• Listed 9 days

Property features AI

Finance

• Other: Living area reported as 2,200 above-grade finished area
• Financial info: Two total units
• HOA & community: Community features include curbs, sidewalks and street lights

Exterior

• Parking: On-street parking (see remarks)
• Utilities: Public water; Public sewer; Electricity connected with 100 amp service
• Home design: Duplex (residential income, multi-family); Two levels; Built circa 1930 (estimated); Fixer condition; 1 common wall
• Construction: Block, metal siding and concrete construction materials; Foundation of block, stone and combination; Shingle roof
• Exterior features: Private yard; Front and rear porches; Rain gutters; Back yard, level corner lot; City street frontage on a paved public road with curb, sidewalk and street lights

Interior

• Kitchen: Each unit includes a kitchen
• Bedrooms: 4 bedrooms total; Two 2-bedroom units (Unit 325 and Unit 327)
• Flooring: Hardwood; Wood
• Bathrooms: 2 full bathrooms total (one in each unit)
• Heating & cooling: Baseboard heating (oil); No central cooling
• Interior features: Hardwood and wood flooring; Full basement with walk-out access, interior and exterior entry; concrete and dirt floor

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $555 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Cap rate 11.8% vs local median 2.6% in Archbald — 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 73/100 on livability (#596 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Valley View SD (rural): math 34% / reading 57% proficiency, ranked #269 of 539 in PA (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Valley View Intrmd Sch (math 28% / reading 60%, grade F, #858 of 1,518 statewide, top 57%, 540 students, 34% FRL); Valley View Ms (math 8% / reading 52%, grade F, #382 of 512 statewide, top 75%, 563 students, 38% FRL); Valley View Hs (math 72%, 761 students, 25% FRL) — zoned schools at 32% FRL track the district average.
• Market conditions: 69 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $120,000

Questions for the listing agent

1. Built in 1930 — 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 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?
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 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: 1.46% ✓
• Cap rate: 11.84%
• Cash-on-cash: 19.81%
• DSCR: 1.88
• GRM: 5.7

CMA / ARV

• ARV (median comp): $241,677
• List price: $120,000
• Delta: -50.35%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
332 Main St	0.03mi	3/2.0 (-1)	2,340 (+6%)	14mo	$244,500	$104	71
202 Carol Rd	0.57mi	4/2.0	2,069 (-6%)	12mo	$355,000	$172	54
135 Beverly Rd Unit Blg5 U-135	0.49mi	3/2.5 (-1)	2,300 (+4%)	11mo	$319,900	$139	53
139 Church St	0.22mi	3/2.0 (-1)	2,500 (+14%)	15mo	$212,500	$85	50
107 Catherine Dr	0.32mi	4/2.5	2,006 (-9%)	22mo	$410,000	$204	50
402 Kennedy Dr	0.52mi	3/2.0 (-1)	2,050 (-7%)	13mo	$299,000	$146	48
100 Carol Rd	0.56mi	3/2.0 (-1)	2,336 (+6%)	23mo	$311,000	$133	39
635 N Miller St Unit L 1	0.53mi	3/2.0 (-1)	2,480 (+13%)	14mo	$257,500	$104	38
101 Main St	0.54mi	3/2.0 (-1)	2,430 (+10%)	20mo	$258,500	$106	36
504 Union St	0.74mi	3/2.0 (-1)	2,528 (+15%)	7mo	$260,000	$103	30

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: 11.9%
• Equity multiple: 1.47×
• Total profit: $15,906
• Equity at exit: $17,892

10-year hold

• IRR: 20.9%
• Equity multiple: 2.77×
• Total profit: $59,445
• Equity at exit: $10,375

Cash invested: $33,600 (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 18403

• Active inventory: 69
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,752 medium
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,800/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $555

Break-even live

Break-even rent $1,050

Max offer price $120,000

Occupancy floor 63%

Sensitivity live

Price	-10% $638	-5% $596	+0% $555	+5% $513	+10% $472
Rent	-10% $416	-5% $485	+0% $555	+5% $624	+10% $693
Rate	-1.0pp $615	-0.5pp $585	base $555	+0.5pp $524	+1.0pp $492

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
319 Union St Peckville, PA	3.0	1.5	1400	$1,695	$1.21	15d	1	0.86mi
421 Academy St Unit 1 Peckville, PA	3.0	1.0	2135	$1,800	$0.84	15d	1	1.11mi

Listing history 2 events

1. 2026-05-08
   status Pending 973-char remark
2. 2026-04-29
   listed $120,000 Active 973-char remark

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥94°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $21,022
• − Mortgage interest: −$6,722
• − Property taxes: −$1,800
• − Insurance: −$600
• − Repairs & maintenance: −$1,682
• − Management: −$1,682
• − Depreciation: −$3,491
• Taxable income: $5,045
• Est. tax owed @ 24.0%: −$1,211
• After-tax cash flow: $5,445/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: Valley View SD
• NCES district ID: 4224650
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 57% ▼ -12.00%
• Median HH income: $45,562
• Composite: 38.54/100
• National rank: #4174
• State rank: #269 of 539 in PA

Livability — Archbald

• Score: 73/100
• State rank: #596
• US rank: #5675

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Archbald, PA
• City population: 6,580
• Population (ZIP): 6,580

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98% Two or more races 1%
• Common ancestry: Romanian 13% Scotch-Irish 6% Subsaharan African 1%
• Foreign-born: 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -149.56%
• Current HPI: 208.173
• 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

+4.2% since first listed

3 events — show timeline

• 2026-05-27 Sold (MLS) $125,000 GSBR as distributed by MLS GRID
• 2026-05-08 Pending — GSBR as distributed by MLS GRID
• 2026-04-29 Listed $120,000 GSBR as distributed by MLS GRID

Property tax history

+37.9%/yr

Latest (2026): $55,781 · +2549.1% YoY. Source: county tax records.