19 Coal St · Port Carbon, PA 17965

$100,000

3 bd · 1.5 ba · 1,447 sqft · SingleFamily public records · 93 Days on market

Built 1916 871 sqft lot $69/sqft · 16% below area Est $120k · 16% under

---

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 +29.3/30.0
• ARV discount +14.9/15.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• Appreciation +5.0/10.0
• Livability +4.2/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to this classic brick residence offering character and solid construction in the borough of Port Carbon. Built in 1916, this spacious home features approximately 1,447 square feet of living space. With three bedrooms and one full bath on the second level along with a loft/bedroom featuring two large closets on third level, this home has a comfortable layout suitable for a variety of living arrangements. 19 Coal Street combines historic charm with practical functionality, offering generous room sizes and plenty of potential for customization. Whether you're looking to add a cash-flowing rental to your portfolio or build equity through minor renovations, this property offers a promising investment in a convenient location near shopping, schools, and major routes throughout Schuylkill County. Schedule your appointment today!

Key facts

• Built 1916
• Listed 92 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $-109 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $81k (19.2% below list).
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $81k (19.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 83/100 on livability (#131 in PA, #1,039 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities 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: 11 active listings in the ZIP; 6 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

• In year one you build about $633 of equity ($691 loan paydown + $-58 appreciation (-0.1% local appreciation)).
• 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 93 days — a 9% lower offer ($91k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 15y ago; this cycle's ask has dropped $20k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $55k; list at $100k implies a 82% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1916 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); extreme-heat days projected 8→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $80,804 (19.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 93 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Built in 1916 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
8. 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.
9. 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.
10. 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: 1.33% ✓
• Cap rate: 10.51%
• Cash-on-cash: 15.08%
• DSCR: 1.67
• GRM: 6.3

CMA / ARV

• ARV (median comp): $119,759
• List price: $100,000
• Delta: -16.50%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 Wilson Ave	0.44mi	3/2.0	1,344 (-7%)	5mo	$189,900	$141	61
11 George St	0.37mi	3/1.5	1,520 (+5%)	17mo	$178,000	$117	60
388 E Bacon St	0.17mi	4/2.5 (+1)	1,300 (-10%)	12mo	$191,000	$147	57
308 Wilson Ave	0.42mi	2/1.5 (-1)	1,623 (+12%)	7mo	$225,000	$139	49
214 Second St	0.30mi	2/1.0 (-1)	1,300 (-10%)	21mo	$138,000	$106	45
138 E Savory St	0.47mi	3/2.5	1,586 (+10%)	21mo	$189,900	$120	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.65×
• Total profit: $-9,813
• Equity at exit: $28,745

10-year hold

• IRR: -1.1%
• Equity multiple: 0.88×
• Total profit: $-3,395
• Equity at exit: $34,320

Cash invested: $28,000 (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 17965

• Home prices YoY: -0.0%
• Active inventory: 11
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,330 high
• Mortgage (P&I): −$524
• Tax from tax record: −$133 /mo · $1,599/yr
• Insurance: −$42
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $-109

Break-even live

Break-even rent $1,468

Max offer price $80,804

Occupancy floor —

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	43d	1	0.52mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	43d	1	1.22mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	43d	1	1.31mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	43d	1	1.32mi
517 E Arch St Pottsville, PA	4.0	1.0	1000	$1,350	$1.35	43d	1	1.35mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	43d	1	1.38mi

Listing history 27 events

1. 2026-06-19
   days on market $100,000 Active 93 DOM
2. 2026-06-18
   days on market $100,000 Active 92 DOM
3. 2026-06-17
   days on market $100,000 Active 91 DOM
4. 2026-06-16
   days on market $100,000 Active 90 DOM
5. 2026-06-15
   days on market $100,000 Active 89 DOM
6. 2026-06-14
   days on market $100,000 Active 87 DOM
7. 2026-06-12
   days on market $100,000 Active 86 DOM
8. 2026-06-09
   pricedays on market $100,000 Active 83 DOM
9. 2026-06-08
   days on market $105,000 Active 82 DOM
10. 2026-06-07
    days on market $105,000 Active 81 DOM
11. 2026-06-07
    days on market $105,000 Active 80 DOM
12. 2026-06-04
    days on market $105,000 Active 77 DOM
13. 2026-06-02
    days on market $105,000 Active 76 DOM
14. 2026-06-01
    days on market $105,000 Active 75 DOM
15. 2026-05-31
    days on market $105,000 Active 74 DOM
16. 2026-05-31
    days on market $105,000 Active 73 DOM
17. 2026-04-29
    price $105,000 841-char remark

    Show marketing remark (841 chars)

    Welcome to this classic brick residence offering character and solid construction in the borough of Port Carbon. Built in 1916, this spacious home features approximately 1,447 square feet of living space. With three bedrooms and one full bath on the second level along with a loft/bedroom featuring two large closets on third level, this home has a comfortable layout suitable for a variety of living arrangements. 19 Coal Street combines historic charm with practical functionality, offering generous room sizes and plenty of potential for customization. Whether you're looking to add a cash-flowing rental to your portfolio or build equity through minor renovations, this property offers a promising investment in a convenient location near shopping, schools, and major routes throughout Schuylkill County. Schedule your appointment today!

18. 2026-03-27
    price $110,000 841-char remark

    Show marketing remark (841 chars)

    Welcome to this classic brick residence offering character and solid construction in the borough of Port Carbon. Built in 1916, this spacious home features approximately 1,447 square feet of living space. With three bedrooms and one full bath on the second level along with a loft/bedroom featuring two large closets on third level, this home has a comfortable layout suitable for a variety of living arrangements. 19 Coal Street combines historic charm with practical functionality, offering generous room sizes and plenty of potential for customization. Whether you're looking to add a cash-flowing rental to your portfolio or build equity through minor renovations, this property offers a promising investment in a convenient location near shopping, schools, and major routes throughout Schuylkill County. Schedule your appointment today!

19. 2026-03-19
    listed $120,000 Active 841-char remark

    Show marketing remark (841 chars)

    Welcome to this classic brick residence offering character and solid construction in the borough of Port Carbon. Built in 1916, this spacious home features approximately 1,447 square feet of living space. With three bedrooms and one full bath on the second level along with a loft/bedroom featuring two large closets on third level, this home has a comfortable layout suitable for a variety of living arrangements. 19 Coal Street combines historic charm with practical functionality, offering generous room sizes and plenty of potential for customization. Whether you're looking to add a cash-flowing rental to your portfolio or build equity through minor renovations, this property offers a promising investment in a convenient location near shopping, schools, and major routes throughout Schuylkill County. Schedule your appointment today!

20. 2026-03-16
    historical $120,000 841-char remark

    Show marketing remark (841 chars)

    Welcome to this classic brick residence offering character and solid construction in the borough of Port Carbon. Built in 1916, this spacious home features approximately 1,447 square feet of living space. With three bedrooms and one full bath on the second level along with a loft/bedroom featuring two large closets on third level, this home has a comfortable layout suitable for a variety of living arrangements. 19 Coal Street combines historic charm with practical functionality, offering generous room sizes and plenty of potential for customization. Whether you're looking to add a cash-flowing rental to your portfolio or build equity through minor renovations, this property offers a promising investment in a convenient location near shopping, schools, and major routes throughout Schuylkill County. Schedule your appointment today!

21. 2021-05-20
    soldstatus $55,000
22. 2011-12-15
    soldstatus $35,000 462-char remark

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

23. 2011-12-15
    soldstatus $35,000

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

24. 2011-12-15
    soldstatus $35,000

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

25. 2011-04-18
    historical 462-char remark

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

26. 2011-04-18
    listed $35,000 462-char remark

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

27. 2011-04-18
    listed

    Show marketing remark (462 chars)

    Don't miss out on this nice Port Carbon row home. This house was well taken care of & it shows. Freshly painted & carpets cleaned. It's ready to move into. Electric heat with a back up heating source. Plenty of outlets & nice large rooms. Cozy basement with a bar & half bath. All the work is done for you. Just pack your bags & move into your new home today! MOTIVATED SELLERS! Mailing Address Continued: Port Carbon Color: brick

ⓘ 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: $1,599 · $133/mo
• Projected year-2 tax: $1,599 · $133/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 8 d/yr ≥96°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $15,966
• − Mortgage interest: −$5,602
• − Property taxes: −$1,599
• − Insurance: −$6,025
• − Repairs & maintenance: −$1,277
• − Management: −$1,277
• − Depreciation: −$2,909
• Taxable loss: −$2,723
• Est. tax savings @ 24.0%: +$654
• After-tax cash flow: $-650/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 — Port Carbon

• Score: 83/100
• State rank: #131
• US rank: #1039

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Carbon, PA
• City population: 1,869
• Population (ZIP): 1,869

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 (93%)
• Race & ethnicity: White 93% Hispanic / Latino 3% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Polish 3% Danish 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: ▼ -0.06%
• Current HPI: 169.9943
• 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

+200.0% since first listed

11 events — show timeline

• 2026-04-29 Price Changed $105,000 BRIGHT MLS
• 2026-03-27 Price Changed $110,000 BRIGHT MLS
• 2026-03-19 Listed $120,000 BRIGHT MLS
• 2026-03-16 Coming Soon $120,000 BRIGHT MLS
• 2021-05-20 Sold (Public Records) $55,000 Public Records
• 2011-12-15 Sold (Public Records) $35,000 Public Records
• 2011-12-15 Sold (MLS) $35,000 TREND
• 2011-12-15 Sold (MLS) $35,000 BRIGHT MLS
• 2011-04-18 Listed — TREND
• 2011-04-18 Listed $35,000 BRIGHT MLS
• 2011-04-18 Listing Removed — BRIGHT MLS

Property tax history

+3.0%/yr

Latest (2025): $1,599 · +9.8% YoY. Source: county tax records.