8 S Stuck St · McClure, PA 17841

$145,000

3 bd · 2.0 ba · 1,608 sqft · SingleFamily · 76 Days on market

Built 1954 3.04 ac lot Est $182k · 20% under

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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 +16.4/30.0
• ARV discount +15.0/15.0
• Appreciation +5.9/10.0
• DSCR +5.1/10.0
• 1% rule +4.6/10.0
• Schools +4.1/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

SELLER IS CALLING FOR HIGHEST AND BEST BY 8PM THURSDAY APRIL 16, 2026. Please put your reply date as Friday. Attention Investors and Visionaries! This Two-Story home is a diamond in the rough waiting for the right touch. Nestled on an expansive 3.04-acre lot. This property offers incredible privacy and the space you've been dreaming of. Whether you are looking for a complete renovation project or a home you can build equity in over time, the ''bones'' and the land provide a massive head start. Bring your tools and your imagination--this property is being sold as-is with any remaining contents and is ready for its next chapter! Call or Txt Steven Slotter 570-850-6300 / Christian Castro 570-

Key facts

• Incredible privacy
• 3.04 acre lot
• 2 garage spots

Tags

• EXPANSIVE 3.04-ACRE LOT
• INCREDIBLE PRIVACY
• COMPLETE RENOVATION PROJECT

Property features AI

Exterior

• Parking: Detached 2-car garage
• Utilities: Well water; Public sewer
• Home design: Single family residence; Residential property
• Construction: Vinyl siding, brick, and frame construction; No foundation details listed
• Exterior features: Front porch; Shingle roof; Property on 3.04-acre lot

Interior

• Kitchen: Refrigerator
• Bedrooms: One bedroom on the main level
• Flooring: Hardwood
• Bathrooms: One full bathroom; One three-quarter bathroom
• Heating & cooling: Has heating
• Interior features: Refrigerator included; Hardwood flooring; Basement with block construction and sump pump; Total of 10 rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $82 ($981/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $140k (3.6% below list).
• Recommended offer: $136k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#1,244 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Midd-West SD (rural): math 41% / reading 55% proficiency, ranked #225 of 539 in PA (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 9 active listings in the ZIP; 48 units permitted in Snyder County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($1k loan paydown + $3k appreciation (1.9% local appreciation)).
• Snyder County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $41k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($136k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — 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 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?
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: 0.96% ✗
• Cap rate: 6.97%
• Cash-on-cash: 2.42%
• DSCR: 1.11
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $181,704
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
27 West Specht St	0.22mi	4/3.0 (+1)	1,600 (-0%)	2mo	$195,000	$122	79
2 W High St	0.28mi	3/1.0	1,692 (+5%)	13mo	$185,000	$109	63
256 Pine Crst	0.55mi	3/2.0	1,767 (+10%)	3mo	$200,000	$113	55

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

Projected returns pro-forma

1.85% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.5%
• Equity multiple: 1.35×
• Total profit: $14,103
• Equity at exit: $56,047

10-year hold

• IRR: 10.0%
• Equity multiple: 2.34×
• Total profit: $54,203
• Equity at exit: $79,837

Cash invested: $40,600 (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 17841

• Home prices YoY: 1.6%
• Active inventory: 9
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,398 medium
• Mortgage (P&I): −$760
• Tax from tax record: −$202 /mo · $2,427/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $82

Break-even live

Break-even rent $1,295

Max offer price $145,000

Occupancy floor 89%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-16
   status $145,000 Pending 76 DOM
2. 2026-06-15
   days on market $145,000 Active Under Contract 76 DOM
3. 2026-06-13
   days on market $145,000 Active Under Contract 74 DOM
4. 2026-06-12
   days on market $145,000 Active Under Contract 73 DOM
5. 2026-06-09
   days on market $145,000 Active Under Contract 70 DOM
6. 2026-06-08
   days on market $145,000 Active Under Contract 69 DOM
7. 2026-06-08
   days on market $145,000 Active Under Contract 68 DOM
8. 2026-06-07
   days on market $145,000 Active Under Contract 67 DOM
9. 2026-06-04
   days on market $145,000 Active Under Contract 64 DOM
10. 2026-06-02
    days on market $145,000 Active Under Contract 63 DOM
11. 2026-06-01
    days on market $145,000 Active Under Contract 62 DOM
12. 2026-05-31
    days on market $145,000 Active Under Contract 61 DOM
13. 2026-04-17
    historical Active Under Contract
14. 2026-03-31
    listed $145,000 Active

ⓘ 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: $2,427 · $202/mo
• Projected year-2 tax: $2,427 · $202/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 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 8 d/yr ≥94°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% 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: $16,782
• − Mortgage interest: −$8,122
• − Property taxes: −$2,427
• − Insurance: −$725
• − Repairs & maintenance: −$1,343
• − Management: −$1,343
• − Depreciation: −$4,218
• Taxable loss: −$1,396
• Est. tax savings @ 24.0%: +$335
• After-tax cash flow: $1,316/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: Midd-West SD
• NCES district ID: 4215210
• Math proficiency: 41% ▼ -9.00%
• Reading proficiency: 55% ▼ -8.00%
• Median HH income: $45,875
• Composite: 40.68/100
• National rank: #3675
• State rank: #225 of 539 in PA

Livability — McClure

• Score: 63/100
• State rank: #1244
• US rank: #14957

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: McClure, PA
• Population (ZIP): 4,918

Population outlook (Snyder County) Hauer SSP2

• Today (2025): 41,720 people
• By 2030: 42,207 · +1.2%
• By 2040: 42,918 · +2.9%
• By 2050: 43,125 · +3.4%
• By 2075: 42,498 · +1.9%
• By 2100: 39,544 · -5.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98%
• Common ancestry: Polish 4% Serbian 2% Lithuanian 2%
• Foreign-born: 0%
• Languages at home: 96% English-only · German/W. Germanic 4%

Political lean MEDSL · Snyder

• 2024 margin: Solid R (+47.0) · D 26.1% · R 73.2%
• 2008→2024 swing: -17.8pp toward R · 2008: -29.2pp · 2024: -47.0pp
• All cycles: 2024: R+47.0 2020: R+47.4 2016: R+47.3 2012: R+35.9 2008: R+29.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.85%
• Current HPI: 121.5295
• 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

2 events — show timeline

• 2026-04-17 Contingent — CSVBR
• 2026-03-31 Listed $145,000 CSVBR

Property tax history

+2.0%/yr

Latest (2026): $2,427 · +1.8% YoY. Source: county tax records.