730-732 Chestnut St · Sunbury, PA 17801

$219,500

4 bd · 3.0 ba · 2,340 sqft · MultiFamily · 9 Days on market

Built 1920 Good condition 3,000 sqft lot $94/sqft · 53% above area

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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 +26.0/30.0
• DSCR +8.7/10.0
• ARV discount +7.5/15.0
• 1% rule +6.9/10.0
• Livability +3.8/5.0
• Condition / age +3.8/5.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks

UNIQUE AND SPECIAL DOUBLE HOME. .. FEATURED ON FURNISHED. FINDER WEBSITE. . YES, TOTALLY FURNISHED AND CURRENTLY RENTED TO TRAVELING NURSES. . MONTHLY RENTS $1600 EACH SIDE INCLUDES UTILITIES. . IT GETS BETTER. . OWNER WILL FINANCE FOR THE FIRST 5 YEARS. . CALL DEBBIE BROUSE 570-286-6344 Square Footage is derived from County Assessor's records. Room sizes are approximate. Neither is guaranteed. BUYER / BUYER'S AGENT is to verify both'' AGENTS READ PRIVATE COMMENTS

Key facts

• 3,000 sq ft lot
• Built 1920
• Listed 9 days

Property features AI

Finance

• Financial info: Annual tax listed (amount provided)

Exterior

• Parking: No designated parking
• Utilities: Public water; Public sewer
• Home design: Residential income property; Multi-unit building
• Construction: Aluminum siding and frame construction; No foundation details provided
• Exterior features: Shingle roof; Lot approximately 30 x 100; Zoned NB

Interior

• Kitchen: Dishwasher; Range
• Bathrooms: 2 full bathrooms; 2 half bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Central air conditioning; Dishwasher; Range; Water heater
• Laundry & utility: Water heater

What this means for you Summary

Snapshot

• This is a 2 × 2-bed/1.5-bath units multifamily listed at $220k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $491 ($6k/yr) — positive. Per door: $246/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $220k).
• Cap rate 9.3% vs local median 7.1% in Sunbury — 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 76/100 on livability (#374 in PA, #3,298 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools C-, amenities F, commute F.
• Shikellamy SD (town): math 33% / reading 47% proficiency, ranked #362 of 539 in PA (top 67%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 43 active listings in the ZIP; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $219,500

Questions for the listing agent

1. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
2. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
3. Built in 1920 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.19% ✓
• Cap rate: 9.28%
• Cash-on-cash: 10.67%
• DSCR: 1.47
• GRM: 7.0

CMA / ARV

• ARV (median comp): $143,428
• List price: $219,500
• Delta: 53.04%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
230-232 Walnut St	0.45mi	5/— (+1)	2,536 (+8%)	2mo	$163,000	$64	58
1058-1060 Miller St	0.22mi	5/2.0 (+1)	2,112 (-10%)	17mo	$58,000	$27	51

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.8%
• Equity multiple: 0.93×
• Total profit: $-4,221
• Equity at exit: $32,728

10-year hold

• IRR: 7.9%
• Equity multiple: 1.60×
• Total profit: $36,893
• Equity at exit: $18,978

Cash invested: $61,460 (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 17801

• Home prices YoY: -18.4%
• Active inventory: 43
• Price-to-rent: 14.0×

Monthly cashflow live

• Estimated rent: $2,612 medium
• Mortgage (P&I): −$1,151
• Tax est. 1.5%: −$274 /mo · $3,292/yr
• Insurance: −$91
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$549
• Net cashflow: $491

Break-even live

Break-even rent $1,990

Max offer price $219,500

Occupancy floor 76%

Sensitivity live

Price	-10% $643	-5% $567	+0% $491	+5% $415	+10% $339
Rent	-10% $285	-5% $388	+0% $491	+5% $594	+10% $697
Rate	-1.0pp $602	-0.5pp $547	base $491	+0.5pp $434	+1.0pp $376

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1.5	$2,612
Total (2 units)			$2,612

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: $54,875
• Closing costs: $6,585
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-13
   status Pending 475-char remark
2. 2026-05-04
   listed $219,500 Active 475-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (shaded) · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $31,344
• − Mortgage interest: −$12,295
• − Property taxes: −$3,292
• − Insurance: −$1,764
• − Repairs & maintenance: −$2,508
• − Management: −$2,508
• − Depreciation: −$6,385
• Taxable income: $2,592
• Est. tax owed @ 24.0%: −$622
• After-tax cash flow: $5,270/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.

Condition & rehab AI · 13 photos

Good 75/100 Cosmetic rehab

This multi-family property is in good condition with minimal repairs needed. Painting and updating the kitchen appliances can significantly increase its resale and rental value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance the curb appeal and interior aesthetics, making the property more attractive to potential buyers and renters.
• Resale Updating the kitchen appliances — Modernizing the kitchen appliances can make the property more appealing to potential buyers, especially those looking for a more updated kitchen.
• Rental Landscaping improvements — Well-maintained landscaping can attract more renters and make the property more appealing to potential tenants.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance the curb appeal and interior aesthetics, making the property more attractive to potential buyers and renters. ↑
• Resale Updating the kitchen appliances — Modernizing the kitchen appliances can make the property more appealing to potential buyers, especially those looking for a more updated kitchen. ↑
• Rental Landscaping improvements — Well-maintained landscaping can attract more renters and make the property more appealing to potential tenants. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Shikellamy SD
• NCES district ID: 4221540
• Math proficiency: 33% ▼ -8.00%
• Reading proficiency: 47% ▼ -12.00%
• Median HH income: $41,227
• Composite: 33.6/100
• National rank: #5415
• State rank: #362 of 539 in PA

Livability — Sunbury

• Score: 76/100
• State rank: #374
• US rank: #3298

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sunbury, PA
• Population (ZIP): 16,229

Population outlook (Northumberland County) Hauer SSP2

• Today (2025): 90,896 people
• By 2030: 89,084 · -2.0%
• By 2040: 84,822 · -6.7%
• By 2050: 80,521 · -11.4%
• By 2075: 72,152 · -20.6%
• By 2100: 62,257 · -31.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 6% Two or more races 5% Black 2%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 3% Polish 3% Iranian 3%
• Foreign-born: 0%
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Northumberland

• 2024 margin: Solid R (+39.9) · D 29.6% · R 69.5%
• 2008→2024 swing: -26.1pp toward R · 2008: -13.8pp · 2024: -39.9pp
• All cycles: 2024: R+39.9 2020: R+38.5 2016: R+43.6 2012: R+19.4 2008: R+13.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -35.78%
• Current HPI: 158.7449
• 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

• 2026-05-13 Pending — CSVBR
• 2026-05-04 Listed $219,500 CSVBR