37 Bridge St · McAdoo, PA 18237

$250,000

4 bd · 1.0 ba · 1,704 sqft · SingleFamily public records · 24 Days on market

Built 1925 6,000 sqft lot Est $196k · 28% over

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Why this score? — see what drove the D- 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 +10.1/30.0
• Appreciation +10.0/10.0
• Livability +3.5/5.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• 1% rule +1.9/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

NEW NEW NEW AND READY TO MOVE IN! NEW FLOORING, NEW ROOF, NEW KITCHEN, FINISHED LOWER LEVE! NEW DRIVEWAY! LARGE GARDEN, WITH FENCE AND SO MUCH MORE. .. !

Key facts

• Remodeled
• Upgraded kitchen
• Patio

Tags

• REMODELED
• UPGRADED KITCHEN
• UPGRADED BATHROOMS
• LARGE GARDEN AREA
• PATIO

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single family residence; Three or more levels; Vinyl siding
• Construction: Vinyl siding construction
• Exterior features: Zoned residential; Lot measures 40 x 150

Interior

• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Oil heating; Baseboard heating; Has heating
• Interior features: Dining room fireplace; Partially finished basement; Basement present; Seven total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-147 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $224k (10.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $173k (30.7% below list).
• Recommended offer: $173k (30.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#811 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, health & safety A+; Watch: amenities F, commute F, employment F.
• Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Mcadoo-Kelayres El/Ms (math 2% / reading 27%, grade F, #1,323 of 1,518 statewide, top 89%, 839 students, 100% FRL); Hazleton Area Hs (math 53% / reading 8%, grade F, #347 of 437 statewide, top 79%, 3,795 students, 83% FRL) — zoned schools average 91% FRL vs 60% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 13 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (10.0% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 17y 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 $140k; list at $250k implies a 79% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $173,222 (30.7% 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. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.69% ✗
• Cap rate: 5.59%
• Cash-on-cash: -2.51%
• DSCR: 0.89
• GRM: 12.0

CMA / ARV

• ARV (on-the-fly): $195,960
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
25 James St	0.32mi	3/2.0 (-1)	1,613 (-5%)	1mo	$185,000	$115	66
32 Grove St	0.32mi	3/2.0 (-1)	1,616 (-5%)	13mo	$215,000	$133	57
427 S Hancock St	0.40mi	4/1.0	1,596 (-6%)	24mo	$142,000	$89	51
43 Washington St	0.58mi	4/2.0	1,656 (-3%)	19mo	$155,000	$94	49
327 Sherman St	0.73mi	3/1.0 (-1)	1,591 (-7%)	4mo	$219,999	$138	47
44 Monroe St	0.40mi	3/1.5 (-1)	1,485 (-13%)	11mo	$145,000	$98	44
500 Blaine St	0.72mi	3/3.0 (-1)	1,520 (-11%)	2mo	$220,500	$145	34

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.5%
• Equity multiple: 2.81×
• Total profit: $126,712
• Equity at exit: $225,220

10-year hold

• IRR: 20.1%
• Equity multiple: 6.43×
• Total profit: $380,284
• Equity at exit: $485,695

Cash invested: $70,000 (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 18237

• Home prices YoY: 14.9%
• Active inventory: 13
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,732 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$100 /mo · $1,199/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$364
• Net cashflow: $-147

Break-even live

Break-even rent $1,918

Max offer price $224,095

Occupancy floor —

Sensitivity live

Price	-10% $-5	-5% $-76	+0% $-147	+5% $-217	+10% $-288
Rent	-10% $-283	-5% $-215	+0% $-147	+5% $-78	+10% $-10
Rate	-1.0pp $-21	-0.5pp $-83	base $-147	+0.5pp $-211	+1.0pp $-277

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-19
   days on market $250,000 Active 24 DOM
2. 2026-06-18
   days on market $250,000 Active 23 DOM
3. 2026-06-17
   days on market $250,000 Active 22 DOM
4. 2026-06-16
   days on market $250,000 Active 21 DOM
5. 2026-06-15
   days on market $250,000 Active 20 DOM
6. 2026-06-14
   days on market $250,000 Active 18 DOM
7. 2026-06-12
   days on market $250,000 Active 17 DOM
8. 2026-06-09
   days on market $250,000 Active 14 DOM
9. 2026-06-08
   days on market $250,000 Active 13 DOM
10. 2026-06-07
    days on market $250,000 Active 12 DOM
11. 2026-06-02
    days on market $250,000 Active 7 DOM
12. 2026-06-01
    days on market $250,000 Active 6 DOM
13. 2026-05-31
    days on market $250,000 Active 5 DOM
14. 2026-05-30
    days on market $250,000 Active 4 DOM
15. 2026-05-26
    listed $250,000 Active
16. 2022-03-02
    soldstatus $140,000
17. 2022-02-25
    soldstatus $140,000 153-char remark

    Show marketing remark (153 chars)

    NEW NEW NEW AND READY TO MOVE IN! NEW FLOORING, NEW ROOF, NEW KITCHEN, FINISHED LOWER LEVE! NEW DRIVEWAY! LARGE GARDEN, WITH FENCE AND SO MUCH MORE. .. !

18. 2021-06-30
    listed $149,000 153-char remark

    Show marketing remark (153 chars)

    NEW NEW NEW AND READY TO MOVE IN! NEW FLOORING, NEW ROOF, NEW KITCHEN, FINISHED LOWER LEVE! NEW DRIVEWAY! LARGE GARDEN, WITH FENCE AND SO MUCH MORE. .. !

19. 2019-08-16
    listed $115,000
20. 2009-04-30
    soldstatus $55,000
21. 2009-01-09
    listed $58,000
22. 2004-10-19
    soldstatus $74,094

ⓘ 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: $1,199 · $100/mo
• Projected year-2 tax: $2,574 · $215/mo
• Expected delta: +$1,376/yr (+$115/mo · 114.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 2/10 Low 6 d/yr ≥93°F today · 12 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% 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: $20,787
• − Mortgage interest: −$14,004
• − Property taxes: −$1,199
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,663
• − Management: −$1,663
• − Depreciation: −$7,273
• Taxable loss: −$6,265
• Est. tax savings @ 24.0%: +$1,504
• After-tax cash flow: $-256/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: Hazleton Area SD
• NCES district ID: 4211700
• Math proficiency: 18% ▼ -3.00%
• Reading proficiency: 30% ▼ -15.00%
• Median HH income: $42,247
• Composite: 20.44/100
• National rank: #8582
• State rank: #476 of 539 in PA

Livability — McAdoo

• Score: 69/100
• State rank: #811
• US rank: #8252

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,808

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 (65%)
• Race & ethnicity: White 65% Hispanic / Latino 27% Two or more races 16% Asian 1%
• Hispanic origin (detail): Puerto Rican 7% Cuban 1% Dominican 15%
• Common ancestry: Romanian 15% Subsaharan African 3% Iranian 1%
• Foreign-born: 16% · Canada
• Languages at home: 72% English-only · Spanish 17% Other Indo-European 7% Russian/Polish/Slavic 2%

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: ▲ 31.48%
• Current HPI: 242.9507
• 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

+237.4% since first listed

8 events — show timeline

• 2026-05-26 Listed $250,000 LCAR
• 2022-03-02 Sold (Public Records) $140,000 Public Records
• 2022-02-25 Sold (MLS) $140,000 LCAR
• 2021-06-30 Listed $149,000 LCAR
• 2019-08-16 Listed $115,000 LCAR
• 2009-04-30 Sold (MLS) $55,000 GLVRMLS
• 2009-01-09 Listed $58,000 GLVRMLS
• 2004-10-19 Sold (Public Records) $74,094 Public Records

Property tax history

+2.5%/yr

Latest (2025): $1,199 · +7.8% YoY. Source: county tax records.