812 E Dewart St · Shamokin, PA 17872

$99,900

4 bd · 2.0 ba · 1,440 sqft · SingleFamily · 160 Days on market

Built 1920 Fair condition 3,920 sqft lot $69/sqft · 46% above area Est $69k · 46% over

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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 +28.0/30.0
• DSCR +9.9/10.0
• 1% rule +7.7/10.0
• Appreciation +6.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.4/10.0
• Condition / age +2.2/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Income-producing 4-bedroom, 2 full bath property currently tenant-occupied and generating $850 per month in rent. Interior pictures coming soon. This property presents an opportunity for investors seeking an existing rental with established monthly income. Bedroom and bathroom count support flexibility for occupancy, subject to buyer verification of permitted use. Property is being sold as-is. Buyer to independently verify all information including rent, lease terms, expenses, utilities, zoning, permitted use, measurements, and condition. Property requires 48 hr notice for showings.

Key facts

• 3,920 sq ft lot
• Built 1920
• Listed 159 days

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $100k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $311 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#887 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment F.
• Shamokin Area SD (town): math 19% / reading 40% proficiency, ranked #450 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Shamokin Area El Sch (math 22% / reading 36%, grade F, #1,146 of 1,518 statewide, top 76%, 832 students, 100% FRL); Shamokin Area Ms (math 12% / reading 40%, grade F, #412 of 512 statewide, top 81%, 346 students, 100% FRL); Shamokin Area Hs (math 42% / reading 30%, grade F, #300 of 437 statewide, top 70%, 702 students, 80% FRL) — zoned schools average 93% FRL vs 57% district-wide (37 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 78 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 81 units permitted in Northumberland County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($691 loan paydown + $2k appreciation (1.9% local appreciation)).
• Northumberland County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.9% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 160 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y ago; this cycle's ask has dropped $20k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $12k; list at $100k implies a 732% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 160 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.27% ✓
• Cap rate: 10.03%
• Cash-on-cash: 13.35%
• DSCR: 1.59
• GRM: 6.6

CMA / ARV

• ARV (median comp): $68,589
• List price: $99,900
• Delta: 45.65%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
718 N Franklin St	0.13mi	3/1.0 (-1)	1,424 (-1%)	1mo	$70,000	$49	82
617 E Sunbury St	0.09mi	4/2.0	1,512 (+5%)	12mo	$38,000	$25	77
1009 E Packer St	0.14mi	3/1.0 (-1)	1,344 (-7%)	5mo	$142,800	$106	69
47 S Rock St	0.50mi	3/1.5 (-1)	1,398 (-3%)	1mo	$36,500	$26	64
19 Gold St	0.50mi	4/2.0	1,400 (-3%)	10mo	$120,103	$86	64
920 E Chestnut St	0.40mi	3/1.0 (-1)	1,456 (+1%)	11mo	$53,000	$36	62
214 N Vine St	0.28mi	3/1.5 (-1)	1,338 (-7%)	10mo	$57,500	$43	59
31 S Shamokin St	0.47mi	3/2.0 (-1)	1,600 (+11%)	6mo	$98,000	$61	49
5 E Chestnut St	0.55mi	4/1.5	1,302 (-10%)	10mo	$89,900	$69	48
15 W Church St	0.51mi	5/1.0 (+1)	1,296 (-10%)	8mo	$65,000	$50	44
1442 Hemlock St	0.64mi	4/1.0	1,600 (+11%)	9mo	$62,500	$39	40
1665 Tioga St	0.74mi	3/1.5 (-1)	1,250 (-13%)	2mo	$50,000	$40	35

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

Projected returns pro-forma

1.9% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.5%
• Equity multiple: 1.94×
• Total profit: $26,196
• Equity at exit: $38,884

10-year hold

• IRR: 19.8%
• Equity multiple: 3.61×
• Total profit: $72,911
• Equity at exit: $55,598

Cash invested: $27,972 (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 17872

• Home prices YoY: 1.6%
• Active inventory: 78
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,268 high
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,498/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$266
• Net cashflow: $311

Break-even live

Break-even rent $874

Max offer price $99,900

Occupancy floor 70%

Sensitivity live

Price	-10% $380	-5% $346	+0% $311	+5% $277	+10% $242
Rent	-10% $211	-5% $261	+0% $311	+5% $361	+10% $411
Rate	-1.0pp $361	-0.5pp $337	base $311	+0.5pp $285	+1.0pp $259

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
609 E Commerce St Shamokin, PA	4.0	1.5	1668	$1,500	$0.90	45d	1	0.14mi
2 S Vine St Shamokin, PA	3.0	1.0	1450	$975	$0.67	45d	1	0.42mi
11 S Market St Fl Rear Shamokin, PA	3.0	1.0	950	$1,000	$1.05	45d	1	0.70mi
804 W Mulberry St Coal Township, PA	3.0	1.0	1350	$1,075	$0.80	45d	1	1.12mi
1309 W Spruce St Coal Township, PA	3.0	1.0	1275	$825	$0.65	45d	1	1.39mi

Listing history 20 events

1. 2026-06-22
   days on market $99,900 Active 160 DOM
2. 2026-06-19
   days on market $99,900 Active 157 DOM
3. 2026-06-18
   days on market $99,900 Active 156 DOM
4. 2026-06-17
   days on market $99,900 Active 155 DOM
5. 2026-06-16
   days on market $99,900 Active 154 DOM
6. 2026-06-15
   days on market $99,900 Active 153 DOM
7. 2026-06-14
   days on market $99,900 Active 151 DOM
8. 2026-06-12
   days on market $99,900 Active 150 DOM
9. 2026-06-09
   days on market $99,900 Active 147 DOM
10. 2026-06-08
    days on market $99,900 Active 146 DOM
11. 2026-06-07
    days on market $99,900 Active 145 DOM
12. 2026-06-03
    days on market $99,900 Active 141 DOM
13. 2026-06-02
    days on market $99,900 Active 140 DOM
14. 2026-06-01
    days on market $99,900 Active 139 DOM
15. 2026-05-31
    days on market $99,900 Active 138 DOM
16. 2026-05-30
    days on market $99,900 Active 137 DOM
17. 2026-04-28
    price $99,900 589-char remark

    Show marketing remark (589 chars)

    Income-producing 4-bedroom, 2 full bath property currently tenant-occupied and generating $850 per month in rent. Interior pictures coming soon. This property presents an opportunity for investors seeking an existing rental with established monthly income. Bedroom and bathroom count support flexibility for occupancy, subject to buyer verification of permitted use. Property is being sold as-is. Buyer to independently verify all information including rent, lease terms, expenses, utilities, zoning, permitted use, measurements, and condition. Property requires 48 hr notice for showings.

18. 2026-01-13
    listed $120,000 Active 589-char remark

    Show marketing remark (589 chars)

    Income-producing 4-bedroom, 2 full bath property currently tenant-occupied and generating $850 per month in rent. Interior pictures coming soon. This property presents an opportunity for investors seeking an existing rental with established monthly income. Bedroom and bathroom count support flexibility for occupancy, subject to buyer verification of permitted use. Property is being sold as-is. Buyer to independently verify all information including rent, lease terms, expenses, utilities, zoning, permitted use, measurements, and condition. Property requires 48 hr notice for showings.

19. 2016-11-15
    soldstatus $12,000 264-char remark

    Show marketing remark (264 chars)

    Shamokin Two Story. This Home has Large Livingroom, Diningroom, Kitchen, 4 Bedrooms, and 2 Baths, other features include Yard, Porch, and Deck. Short sale. Property being sold as is. Utilities will not be up and running. Call/Text Rich at 570-274-2566 for an Appt

20. 2015-09-15
    listed $13,200 264-char remark

    Show marketing remark (264 chars)

    Shamokin Two Story. This Home has Large Livingroom, Diningroom, Kitchen, 4 Bedrooms, and 2 Baths, other features include Yard, Porch, and Deck. Short sale. Property being sold as is. Utilities will not be up and running. Call/Text Rich at 570-274-2566 for an Appt

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% 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 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,213
• − Mortgage interest: −$5,596
• − Property taxes: −$1,498
• − Insurance: −$500
• − Repairs & maintenance: −$1,217
• − Management: −$1,217
• − Depreciation: −$2,906
• Taxable income: $2,279
• Est. tax owed @ 24.0%: −$547
• After-tax cash flow: $3,187/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 · 12 photos

Fair 45/100 Moderate rehab

This property requires moderate renovations to address structural and functional issues, but presents an opportunity for rental income with existing tenant.

Repairs flagged

• Major Exposed subfloor in kitchen and living areas — Structural damage
• Major Missing cabinets and appliances in kitchen — Functional impairment
• Major Exposed subfloor in bathrooms — Structural damage

Value-add opportunities

• Both Paint interior walls — Enhances curb appeal and interior aesthetics
• Both Replace missing cabinets and appliances — Improves functionality and aesthetics
• Rental Landscaping maintenance — Enhances curb appeal and tenant satisfaction

Renovation cost estimate screening

Repair item	Severity	Est. cost
Exposed subfloor in kitchen and living areas · Structural damage	Major	$15,000–50,000
Missing cabinets and appliances in kitchen · Functional impairment	Major	$15,000–50,000
Exposed subfloor in bathrooms · Structural damage	Major	$15,000–50,000
Total estimated repair cost · 3 items		$45,000–150,000

Value-add ROI direction

• Both Paint interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Replace missing cabinets and appliances — Improves functionality and aesthetics ↑
• Rental Landscaping maintenance — Enhances curb appeal and tenant satisfaction ↑

ⓘ 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: Shamokin Area SD
• NCES district ID: 4221240
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 40% ▼ -11.00%
• Median HH income: $35,380
• Composite: 24.31/100
• National rank: #7709
• State rank: #450 of 539 in PA

Livability — Shamokin

• Score: 68/100
• State rank: #887
• US rank: #9448

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: Shamokin, PA
• City population: 9,808
• Population (ZIP): 8,950

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 (84%)
• Race & ethnicity: White 84% Two or more races 10% Hispanic / Latino 8% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 14% Iranian 6% Subsaharan African 1%
• Foreign-born: 1%
• Languages at home: 96% English-only · Spanish 3%

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: ▲ 1.90%
• Current HPI: 124.6288
• 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

+656.8% since first listed

4 events — show timeline

• 2026-04-28 Price Changed $99,900 CSVBR
• 2026-01-13 Listed $120,000 CSVBR
• 2016-11-15 Sold (MLS) $12,000 CSVBR
• 2015-09-15 Listed $13,200 CSVBR