234 S Broad Mountain Ave · Frackville, PA 17931

$149,000

3 bd · 1.0 ba · 1,230 sqft · MultiFamily public records · 59 Days on market

Built 1924 3,920 sqft lot $121/sqft · 248% 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 +29.9/30.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +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: 1 unit. estimate disagrees with records

Listing remarks MLS

Well maintained 3 bedroom, 1 bath half-double with thoughtful recent improvements! This inviting home features new flooring in the kitchen and bathroom, adding a fresh, updated feel to key spaces. The living room fireplace creates a warm and cozy focal point, perfect for relaxing evenings at home. The roof was replaced in 2024, and select new windows add both natural light and improved efficiency. Outside, enjoy a partially fenced yard along with the convenience of a detached garage located at the rear of the property. Ideal for a first-time buyer, downsizer, or investor, this is a great opportunity to own an affordable home with important updates already completed. Schedule your private showing today!

Key facts

• New flooring
• Select new windows
• Recent improvements

Tags

• NEW FLOORING
• LIVING ROOM FIREPLACE
• PARTIALLY FENCED YARD
• DETACHED GARAGE
• SELECT NEW WINDOWS
• RECENT IMPROVEMENTS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath multifamily listed at $149k.

Deal economics

• At list price, monthly cash flow is $551 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $145k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 75/100 on livability (#424 in PA, #3,873 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities D, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 32 active listings in the ZIP; 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 $1k of loan paydown is wiped out by about $4k 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 + 3.0% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 14y 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 $85k; list at $149k implies a 75% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $144,530 (3.0% below list)

Questions for the listing agent

1. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1924 — 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 D-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. 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.
6. 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.
7. 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: 1.28% ✓
• Cap rate: 10.73%
• Cash-on-cash: 15.86%
• DSCR: 1.71
• GRM: 6.5

CMA / ARV

• ARV (median comp): $42,842
• List price: $149,000
• Delta: 247.79%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 6.7%
• Equity multiple: 1.26×
• Total profit: $10,954
• Equity at exit: $22,216

10-year hold

• IRR: 16.1%
• Equity multiple: 2.31×
• Total profit: $54,691
• Equity at exit: $12,883

Cash invested: $41,720 (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 17931

• Home prices YoY: -22.6%
• Active inventory: 32
• Price-to-rent: 13.0×

Monthly cashflow live

• Estimated rent: $1,911 medium
• Mortgage (P&I): −$781
• Tax from tax record: −$115 /mo · $1,379/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $551

Break-even live

Break-even rent $1,213

Max offer price $149,000

Occupancy floor 66%

Sensitivity live

Price	-10% $636	-5% $593	+0% $551	+5% $509	+10% $467
Rent	-10% $400	-5% $476	+0% $551	+5% $627	+10% $702
Rate	-1.0pp $626	-0.5pp $589	base $551	+0.5pp $513	+1.0pp $473

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

Units	Beds	Baths	Est. rent
▸ 2× units	3	1	$1,910
Total (2 units)			$1,911

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-12
   days on market $149,000 Active 59 DOM
2. 2026-06-09
   days on market $149,000 Active 56 DOM
3. 2026-06-08
   days on market $149,000 Active 55 DOM
4. 2026-06-07
   days on market $149,000 Active 54 DOM
5. 2026-06-07
   days on market $149,000 Active 53 DOM
6. 2026-06-04
   days on market $149,000 Active 50 DOM
7. 2026-06-02
   days on market $149,000 Active 49 DOM
8. 2026-06-01
   days on market $149,000 Active 48 DOM
9. 2026-05-31
   days on market $149,000 Active 47 DOM
10. 2026-05-31
    days on market $149,000 Active 46 DOM
11. 2026-04-14
    listed $152,000 Active 711-char remark

    Show marketing remark (711 chars)

    Well maintained 3 bedroom, 1 bath half-double with thoughtful recent improvements! This inviting home features new flooring in the kitchen and bathroom, adding a fresh, updated feel to key spaces. The living room fireplace creates a warm and cozy focal point, perfect for relaxing evenings at home. The roof was replaced in 2024, and select new windows add both natural light and improved efficiency. Outside, enjoy a partially fenced yard along with the convenience of a detached garage located at the rear of the property. Ideal for a first-time buyer, downsizer, or investor, this is a great opportunity to own an affordable home with important updates already completed. Schedule your private showing today!

12. 2023-11-21
    soldstatus $85,000
13. 2023-11-16
    soldstatus $85,000 Closed 391-char remark

    Show marketing remark (391 chars)

    This well-loved semi-detached home with three bedrooms and one full bath is ready to be yours! Recent upgrades include new stainless steel chimney liner (2015), new shingle and rubber roofs (2018), "dry lock" chimney (2019), and fresh paint in all three bedrooms. Oil heat. There is a great back yard, along with a one car detached garage that comes with an automatic door opener!

14. 2023-10-21
    status Pending 391-char remark

    Show marketing remark (391 chars)

    This well-loved semi-detached home with three bedrooms and one full bath is ready to be yours! Recent upgrades include new stainless steel chimney liner (2015), new shingle and rubber roofs (2018), "dry lock" chimney (2019), and fresh paint in all three bedrooms. Oil heat. There is a great back yard, along with a one car detached garage that comes with an automatic door opener!

15. 2023-10-15
    listed $89,900 Active 391-char remark

    Show marketing remark (391 chars)

    This well-loved semi-detached home with three bedrooms and one full bath is ready to be yours! Recent upgrades include new stainless steel chimney liner (2015), new shingle and rubber roofs (2018), "dry lock" chimney (2019), and fresh paint in all three bedrooms. Oil heat. There is a great back yard, along with a one car detached garage that comes with an automatic door opener!

16. 2023-10-15
    historical $89,900 391-char remark

    Show marketing remark (391 chars)

    This well-loved semi-detached home with three bedrooms and one full bath is ready to be yours! Recent upgrades include new stainless steel chimney liner (2015), new shingle and rubber roofs (2018), "dry lock" chimney (2019), and fresh paint in all three bedrooms. Oil heat. There is a great back yard, along with a one car detached garage that comes with an automatic door opener!

17. 2013-03-13
    soldstatus $53,000
18. 2012-08-09
    historical
19. 2012-02-01
    listed $59,900

ⓘ 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: $1,379 · $115/mo
• Projected year-2 tax: $1,867 · $156/mo
• Expected delta: +$488/yr (+$41/mo · 35.4%)

ⓘ 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 3/10 Moderate 7 d/yr ≥92°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: $22,932
• − Mortgage interest: −$8,346
• − Property taxes: −$1,379
• − Insurance: −$745
• − Repairs & maintenance: −$1,835
• − Management: −$1,835
• − Depreciation: −$4,335
• Taxable income: $4,458
• Est. tax owed @ 24.0%: −$1,070
• After-tax cash flow: $5,546/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Frackville

• Score: 75/100
• State rank: #424
• US rank: #3873

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Frackville, PA
• Population (ZIP): 8,726

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 (66%)
• Race & ethnicity: White 66% Black 23% Hispanic / Latino 9% Two or more races 5%
• Hispanic origin (detail): Puerto Rican 4% Dominican 2%
• Common ancestry: Romanian 10% Iranian 3% Subsaharan African 3%
• Foreign-born: 1%
• Languages at home: 91% English-only · Spanish 6% Russian/Polish/Slavic 1% Korean 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: ▼ -48.47%
• Current HPI: 165.7692
• 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

+153.8% since first listed

9 events — show timeline

• 2026-04-14 Listed $152,000 BRIGHT MLS
• 2023-11-21 Sold (Public Records) $85,000 Public Records
• 2023-11-16 Sold (MLS) $85,000 BRIGHT MLS
• 2023-10-21 Pending — BRIGHT MLS
• 2023-10-15 Listed $89,900 BRIGHT MLS
• 2023-10-15 Coming Soon $89,900 BRIGHT MLS
• 2013-03-13 Sold (Public Records) $53,000 Public Records
• 2012-08-09 Listing Removed — BRIGHT MLS
• 2012-02-01 Listed $59,900 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $1,379 · +8.2% YoY. Source: county tax records.