621 W Norwegian St · Pottsville, PA 17901

$89,900

2 bd · 1.0 ba · 1,078 sqft · SingleFamily public records · 617 Days on market

Built 1890 871 sqft lot $83/sqft · 68% above 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 +9.0/10.0
• ARV discount +7.5/15.0
• 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

Attention Investors! This row home (with excellent rental history) will make a perfect addition to your portfolio! It's a turn key investment; currently has tenant. 4 bedrooms. 1 bath. Patio. Pottsville Schools. Other investment properties available include

Key facts

• Turn key investment
• Patio
• Built 1890

Tags

• PATIO
• TURN KEY INVESTMENT

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $405 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.7% 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; 7 comparable units currently listed for rent nearby; rentals lingering (median 45d 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 $622 of loan paydown is wiped out by about $3k 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 $25k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 617 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 20y ago; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $63k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $79,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 617 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 1890 — 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: 1.40% ✓
• Cap rate: 11.70%
• Cash-on-cash: 19.31%
• DSCR: 1.86
• GRM: 5.9

CMA / ARV

• ARV (median comp): $53,443
• List price: $89,900
• Delta: 68.22%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1023 W Schuylkill	0.24mi	3/1.0 (+1)	1,053 (-2%)	4mo	$90,000	$85	76
617 Schuylkill Ave	0.14mi	3/1.0 (+1)	1,144 (+6%)	10mo	$180,000	$157	70
646 N 2nd St	0.51mi	1/1.0 (-1)	1,120 (+4%)	2mo	$35,000	$31	63
509 Boone St	0.25mi	3/1.0 (+1)	1,171 (+9%)	16mo	$132,000	$113	56
526 E Market St	0.66mi	3/1.0 (+1)	1,067 (-1%)	22mo	$130,000	$122	44
707 Pierce St	0.20mi	3/2.0 (+1)	1,210 (+12%)	22mo	$155,000	$128	42
1349 Mount Hope Ave	0.70mi	3/1.0 (+1)	1,120 (+4%)	22mo	$200,000	$179	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: 14.2%
• Equity multiple: 1.59×
• Total profit: $14,753
• Equity at exit: $13,404

10-year hold

• IRR: 24.9%
• Equity multiple: 3.44×
• Total profit: $61,341
• Equity at exit: $7,773

Cash invested: $25,172 (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: 5.9×

Monthly cashflow live

• Estimated rent: $1,262 high
• Mortgage (P&I): −$471
• Tax from tax record: −$83 /mo · $996/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $405

Break-even live

Break-even rent $749

Max offer price $89,900

Occupancy floor 63%

Sensitivity live

Price	-10% $456	-5% $431	+0% $405	+5% $380	+10% $354
Rent	-10% $305	-5% $355	+0% $405	+5% $455	+10% $505
Rate	-1.0pp $450	-0.5pp $428	base $405	+0.5pp $382	+1.0pp $358

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	44d	1	0.16mi
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.16mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	44d	1	0.24mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	44d	1	0.42mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	44d	1	0.54mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	44d	1	0.68mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	0.76mi

Listing history 44 events

1. 2026-06-19
   days on market $89,900 Active 617 DOM
2. 2026-06-18
   days on market $89,900 Active 616 DOM
3. 2026-06-17
   days on market $89,900 Active 615 DOM
4. 2026-06-16
   days on market $89,900 Active 614 DOM
5. 2026-06-15
   days on market $89,900 Active 613 DOM
6. 2026-06-14
   days on market $89,900 Active 611 DOM
7. 2026-06-12
   days on market $89,900 Active 610 DOM
8. 2026-06-09
   days on market $89,900 Active 607 DOM
9. 2026-06-08
   days on market $89,900 Active 606 DOM
10. 2026-06-07
    days on market $89,900 Active 605 DOM
11. 2026-06-07
    days on market $89,900 Active 604 DOM
12. 2026-06-04
    days on market $89,900 Active 601 DOM
13. 2026-06-02
    days on market $89,900 Active 600 DOM
14. 2026-06-01
    days on market $89,900 Active 599 DOM
15. 2026-05-31
    days on market $89,900 Active 598 DOM
16. 2026-05-31
    days on market $89,900 Active 597 DOM
17. 2025-09-04
    price $89,900 259-char remark

    Show marketing remark (259 chars)

    Attention Investors! This row home (with excellent rental history) will make a perfect addition to your portfolio! It's a turn key investment; currently has tenant. 4 bedrooms. 1 bath. Patio. Pottsville Schools. Other investment properties available include

18. 2025-06-19
    price $97,900 259-char remark

    Show marketing remark (259 chars)

    Attention Investors! This row home (with excellent rental history) will make a perfect addition to your portfolio! It's a turn key investment; currently has tenant. 4 bedrooms. 1 bath. Patio. Pottsville Schools. Other investment properties available include

19. 2024-10-10
    listed $100,000 Active 259-char remark

    Show marketing remark (259 chars)

    Attention Investors! This row home (with excellent rental history) will make a perfect addition to your portfolio! It's a turn key investment; currently has tenant. 4 bedrooms. 1 bath. Patio. Pottsville Schools. Other investment properties available include

20. 2022-02-28
    soldstatus $62,550 390-char remark

    Show marketing remark (390 chars)

    Warm and cozy two-story home features 3 Bedrooms , 1 Bath, Living Room, Dining Room, Kitchen with additional Breakfast Nook area overlooking a screened back porch. Large walk-up attic. Full concrete basement. Newer furnace. Fenced back yard. Alley parking. Cute front porch. Roof electric ice melt system. Central location in Pottsville near medical facilities, shopping, interstate access.

21. 2021-12-05
    listed $65,000 390-char remark

    Show marketing remark (390 chars)

    Warm and cozy two-story home features 3 Bedrooms , 1 Bath, Living Room, Dining Room, Kitchen with additional Breakfast Nook area overlooking a screened back porch. Large walk-up attic. Full concrete basement. Newer furnace. Fenced back yard. Alley parking. Cute front porch. Roof electric ice melt system. Central location in Pottsville near medical facilities, shopping, interstate access.

22. 2021-06-21
    soldstatus $51,000
23. 2021-06-10
    soldstatus $51,000 Closed
24. 2021-05-17
    status Pending
25. 2021-05-11
    listed $42,000 Active
26. 2016-01-22
    historical
27. 2014-06-18
    historical
28. 2014-03-18
    historical
29. 2014-03-01
    listed $35,000
30. 2013-12-13
    listed $44,900
31. 2013-12-06
    historical
32. 2013-12-06
    listed $39,000
33. 2013-02-04
    soldstatus $35,000
34. 2012-02-27
    listed $35,000
35. 2012-02-27
    historical
36. 2011-04-14
    soldstatus $18,700
37. 2011-04-12
    soldstatus $18,700
38. 2011-03-31
    historical
39. 2011-03-30
    listed $19,900
40. 2006-12-21
    soldstatus $24,500
41. 2006-12-21
    soldstatus $24,500
42. 2006-10-16
    listed $24,500
43. 2004-03-16
    soldstatus $22,000
44. 2000-10-26
    soldstatus $17,900

ⓘ 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: $996 · $83/mo
• Projected year-2 tax: $1,208 · $101/mo
• Expected delta: +$212/yr (+$18/mo · 21.3%)

ⓘ 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: $15,144
• − Mortgage interest: −$5,036
• − Property taxes: −$996
• − Insurance: −$450
• − Repairs & maintenance: −$1,212
• − Management: −$1,212
• − Depreciation: −$2,615
• Taxable income: $3,624
• Est. tax owed @ 24.0%: −$870
• After-tax cash flow: $3,991/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

+402.2% since first listed

28 events — show timeline

• 2025-09-04 Price Changed $89,900 BRIGHT MLS
• 2025-06-19 Price Changed $97,900 BRIGHT MLS
• 2024-10-10 Listed $100,000 BRIGHT MLS
• 2022-02-28 Sold (MLS) $62,550 LCAR
• 2021-12-05 Listed $65,000 LCAR
• 2021-06-21 Sold (Public Records) $51,000 Public Records
• 2021-06-10 Sold (MLS) $51,000 BRIGHT MLS
• 2021-05-17 Pending — BRIGHT MLS
• 2021-05-11 Listed $42,000 BRIGHT MLS
• 2016-01-22 Listing Removed — BRIGHT MLS
• 2014-06-18 Listing Removed — BRIGHT MLS
• 2014-03-18 Listing Removed — BRIGHT MLS
• 2014-03-01 Listed $35,000 BRIGHT MLS
• 2013-12-13 Listed $44,900 BRIGHT MLS
• 2013-12-06 Listed $39,000 BRIGHT MLS
• 2013-12-06 Listing Removed — BRIGHT MLS
• 2013-02-04 Sold (MLS) $35,000 BRIGHT MLS
• 2012-02-27 Listing Removed — BRIGHT MLS
• 2012-02-27 Listed $35,000 BRIGHT MLS
• 2011-04-14 Sold (MLS) $18,700 BRIGHT MLS
• 2011-04-12 Sold (Public Records) $18,700 Public Records
• 2011-03-31 Listing Removed — BRIGHT MLS
• 2011-03-30 Listed $19,900 BRIGHT MLS
• 2006-12-21 Sold (Public Records) $24,500 Public Records
• 2006-12-21 Sold (MLS) $24,500 BRIGHT MLS
• 2006-10-16 Listed $24,500 BRIGHT MLS
• 2004-03-16 Sold (Public Records) $22,000 Public Records
• 2000-10-26 Sold (Public Records) $17,900 Public Records

Property tax history

+3.1%/yr

Latest (2025): $996 · +8.6% YoY. Source: county tax records.