1321 W Market St · Linntown, PA 17837

$132,000

3 bd · 1.0 ba · 1,361 sqft · Other public records · 9 Days on market

Built 1930 3,484 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
• Schools +5.9/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Just move in and enjoy this great half double in the Linntown area-totally remodeled throughout! Driveway for off street parking-very convenient location-to Giant shopping and lots of other shops or in the other direction convenient to schools-Linntown Elementary and and Middle school. If you're looking for exercise just a block to the rail trail!! call/text Linda 570 490 7029 for your tour!!

Key facts

• Off street parking
• 3,484 sq ft lot
• Built 1930

Tags

• OFF STREET PARKING
• CLOSE TO BUCKNELL UNIVERSITY
• BLOCK FROM RAIL TRAIL
• CLOSE TO DOWNTOWN SHOPPING

Property features AI

Finance

• Financial info: Annual tax listed
• HOA & community: Street lights in the community

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer
• Home design: Single family residence; Residential property
• Construction: Vinyl siding; Wood siding; Frame construction; Shingle roof; No listed foundation details; Built on lot zoned R-1
• Exterior features: Enclosed porch; Porch

Interior

• Kitchen: Dishwasher; Refrigerator
• Bedrooms: Total rooms: 10
• Flooring: Hardwood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Heating available; Ceiling fan(s); No central air
• Interior features: Water softener; Unfinished basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $132k.

Deal economics

• At list price, monthly cash flow is $889 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $132k).
• Cap rate 14.4% vs local median 2.5% in Linntown — 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 84/100 on livability (#86 in PA, #636 nationally) — a professional / high-income tenant draw. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities D-, commute F.
• Lewisburg Area SD (town): math 65% / reading 74% proficiency, ranked #31 of 539 in PA (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 52 active listings in the ZIP; solid renter incomes; 49 units permitted in Union County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($89k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $913 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Union County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $37k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 9y 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 $100k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $132,000

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: 1.73% ✓
• Cap rate: 14.38%
• Cash-on-cash: 28.87%
• DSCR: 2.28
• GRM: 4.8

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: 23.2%
• Equity multiple: 1.95×
• Total profit: $35,275
• Equity at exit: $19,682

10-year hold

• IRR: 31.2%
• Equity multiple: 3.81×
• Total profit: $103,773
• Equity at exit: $11,413

Cash invested: $36,960 (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 17837

• Active inventory: 52
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $2,277 medium
• Mortgage (P&I): −$692
• Tax from tax record: −$162 /mo · $1,949/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$478
• Net cashflow: $889

Break-even live

Break-even rent $1,151

Max offer price $132,000

Occupancy floor 56%

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: $33,000
• Closing costs: $3,960
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-16
   status $132,000 Pending 9 DOM
2. 2026-06-15
   days on market $132,000 Active 9 DOM
3. 2026-06-14
   days on market $132,000 Active 7 DOM
4. 2026-06-12
   days on market $132,000 Active 6 DOM
5. 2026-06-09
   days on market $132,000 Active 3 DOM
6. 2026-06-08
   days on market $132,000 Active 2 DOM
7. 2026-06-07
   remarks 210-char remark
8. 2026-06-07
   listed $132,000 Active 1 DOM

ⓘ 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: $1,949 · $162/mo
• Projected year-2 tax: $2,018 · $168/mo
• Expected delta: +$68/yr (+$6/mo · 3.5%)

ⓘ 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 5/10 Major 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,324
• − Mortgage interest: −$7,394
• − Property taxes: −$1,949
• − Insurance: −$660
• − Repairs & maintenance: −$2,186
• − Management: −$2,186
• − Depreciation: −$3,840
• Taxable income: $9,109
• Est. tax owed @ 24.0%: −$2,186
• After-tax cash flow: $8,484/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: Lewisburg Area SD
• NCES district ID: 4213590
• Math proficiency: 65% ▼ -2.00%
• Reading proficiency: 74% ▼ -7.00%
• Median HH income: $50,129
• Composite: 58.94/100
• National rank: #968
• State rank: #31 of 539 in PA

Livability — Linntown

• Score: 84/100
• State rank: #86
• US rank: #636

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linntown, PA
• County: Union County · 18,403 people
• Metro: Lewisburg, PA
• Population (ZIP): 18,403
• Household income: $88,975
• Rent vs Own: 34.0% rent · 66.0% own
• Severe rent burden: 456.0

Population outlook (Union County) Hauer SSP2

• Today (2025): 46,664 people
• By 2030: 47,704 · +2.2%
• By 2040: 48,798 · +4.6%
• By 2050: 49,048 · +5.1%
• By 2075: 47,491 · +1.8%
• By 2100: 41,817 · -10.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 5% Black 4% Asian 3% Two or more races 3%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 4% · Canada, China, Jamaica
• Languages at home: 89% English-only · Spanish 4% German/W. Germanic 2% Other Indo-European 2%

Political lean MEDSL · Union

• 2024 margin: Strong R (+23.4) · D 37.8% · R 61.2%
• 2008→2024 swing: -8.9pp toward R · 2008: -14.5pp · 2024: -23.4pp
• All cycles: 2024: R+23.4 2020: R+24.3 2016: R+25.7 2012: R+23.5 2008: R+14.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -122.78%
• Current HPI: 177.9792
• Rent YoY: —
• Metro: Lewisburg, 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

+25.8% since first listed

4 events — show timeline

• 2026-06-05 Listed $132,000 CSVBR
• 2017-08-07 Sold (Public Records) $100,000 Public Records
• 2017-07-14 Sold (MLS) $100,000 CSVBR
• 2017-01-10 Listed $104,900 CSVBR

Property tax history

+1.2%/yr

Latest (2026): $1,949 · +2.1% YoY. Source: county tax records.