719 W Market St · Pottsville, PA 17901

$235,000

5 bd · 3.0 ba · 3,149 sqft · MultiFamily public records · 14 Days on market

Built 1900 6,534 sqft lot $75/sqft · 58% 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 +24.0/30.0
• 1% rule +8.9/10.0
• DSCR +7.7/10.0
• 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

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks

Multiple offers received! Highest and Best Due end of day Sunday 5/10/26 with a response date of Monday 5/11/26 Great Investment Opportunity! Fully occupied. .Perfect addition to your portfolio! Well maintained. 1st flr rents for $850/mo MTM lease been there for 5 years, 2nd Flr rents for $825/mo- lease thru 5/31/26 been there about 9 years & 3rd Flr rents for $850/mo- lease thru 8/24/26. Spacious units. HUGE yard space for tenants to use. Owner pays for Water, Sewer & Trash. Tenants pay for electric. 1st floor has gas heat as well as electric baseboard. 1st floor has in- apt laundry. Current taxes are estimated. 4-100 amp electric boxes. Property is in great shape and is bei

Key facts

• Huge yard space
• Well maintained
• In apt laundry

Tags

• INVESTMENT OPPORTUNITY
• FULLY OCCUPIED
• WELL MAINTAINED
• HUGE YARD SPACE
• IN APT LAUNDRY

Property features AI

Finance

• Other: Above-grade finished area estimated at 3,149 (source: estimated)
• Financial info: Total actual rent reported: $30,300; Existing leases: mix of month-to-month and yearly; Insurance expense listed: $798; Trash expense listed: $1,080; Water average about $133/month (approx. $1,600 prior 12 months); Other operating expense listed: $1,530

Exterior

• Parking: On-street parking (public)
• Utilities: 200+ amp electric service; Public water; Public sewer; Municipal trash service
• Home design: 3-story multi-unit building; Brick construction; Fee simple ownership; Property in very good condition
• Construction: Brick exterior; Above-grade and below-grade structures
• Exterior features: Patio(s); Balcony; Sidewalks

Interior

• Bedrooms: Three units total: one 1-bedroom unit and two 2-bedroom units
• Heating & cooling: Electric baseboard heating; Electric hot water
• Interior features: Partial basement with outside entrance; Sidewalks

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath multifamily listed at $235k.

Deal economics

• At list price, monthly cash flow is $403 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $235k).

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; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).
• At $3,260/mo this rent would consume 63% of the median local household income ($62k/yr) (locally 622% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• 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 $66k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 21y 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 $27k; list at $235k implies a 770% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.0% of price; flood insurance adds $56/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $235,000

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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: 1.39% ✓
• Cap rate: 8.64%
• Cash-on-cash: 8.37%
• DSCR: 1.37
• GRM: 6.0

CMA / ARV

• ARV (median comp): $148,426
• List price: $235,000
• Delta: 58.33%
• 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
403 W Market St	0.17mi	6/3.0 (+1)	2,772 (-12%)	7mo	$165,000	$60	61
1614 W Market St	0.68mi	4/— (-1)	2,697 (-14%)	3mo	$170,000	$63	37

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: -1.1%
• Equity multiple: 0.96×
• Total profit: $-2,910
• Equity at exit: $35,039

10-year hold

• IRR: 11.9%
• Equity multiple: 2.09×
• Total profit: $71,561
• Equity at exit: $20,319

Cash invested: $65,800 (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: 18.0×

Monthly cashflow live

• Estimated rent: $3,260 medium
• Mortgage (P&I): −$1,232
• Tax from tax record: −$786 /mo · $9,435/yr
• Insurance: −$98
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$685
• Net cashflow: $403

Break-even live

Break-even rent $2,749

Max offer price $235,000

Occupancy floor 83%

Sensitivity live

Price	-10% $536	-5% $470	+0% $403	+5% $337	+10% $270
Rent	-10% $146	-5% $275	+0% $403	+5% $532	+10% $661
Rate	-1.0pp $522	-0.5pp $463	base $403	+0.5pp $342	+1.0pp $281

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

Units	Beds	Baths	Est. rent
▸ 3× units	1	1	$3,261
Total (3 units)			$3,260

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1344 W Norwegian St Unit NA Pottsville, PA	5.0	2.0	2500	$1,600	$0.64	45d	1	0.41mi

Listing history 7 events

1. 2026-05-11
   status Pending 713-char remark
2. 2026-04-27
   listed $235,000 Active 713-char remark
3. 2012-06-12
   listed $99,900
4. 2012-06-12
   historical
5. 2006-01-03
   historical
6. 2005-10-23
   listed $119,000
7. 2005-05-26
   soldstatus $27,000

ⓘ 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: $9,435 · $786/mo
• Projected year-2 tax: $9,435 · $786/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 9/10 Extreme FEMA zone X (unshaded) · 99% 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: $39,120
• − Mortgage interest: −$13,164
• − Property taxes: −$9,435
• − Insurance: −$1,842
• − Repairs & maintenance: −$3,130
• − Management: −$3,130
• − Depreciation: −$6,836
• Taxable income: $1,585
• Est. tax owed @ 24.0%: −$380
• After-tax cash flow: $4,460/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

+770.4% since first listed

7 events — show timeline

• 2026-05-11 Pending — BRIGHT MLS
• 2026-04-27 Listed $235,000 BRIGHT MLS
• 2012-06-12 Listing Removed — BRIGHT MLS
• 2012-06-12 Listed $99,900 BRIGHT MLS
• 2006-01-03 Listing Removed — BRIGHT MLS
• 2005-10-23 Listed $119,000 BRIGHT MLS
• 2005-05-26 Sold (Public Records) $27,000 Public Records

Property tax history

+19.2%/yr

Latest (2026): $9,435 · +411.5% YoY. Source: county tax records.