143 N Railroad Ave · Frackville, PA 17931

$89,500

3 bd · 1.0 ba · 1,440 sqft · Townhouse public records · 70 Days on market

Built 1920 2,700 sqft lot $62/sqft · 17% below area Est $108k · 17% under ↓ 10% since listing

---

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 +28.2/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• 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

Listing remarks MLS

PRICE REDUCTION! Solid semi detached in need of some updating, but move-in condition, just waiting for that new owner to bring it back to life. Beautiful colonnades between open livingroom diningroom area. All great room sizes. Fenced yard. Attic is finished and was used as additional bedroom. This home has greater potential, and its affordable!

Key facts

• Built 1920
• Listed 69 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $90k.

Deal economics

• At list price, monthly cash flow is $284 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $84k (6.0% 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: 31 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 $619 of loan paydown is wiped out by about $3k 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 $25k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($84k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

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

Recommended offer $84,130 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.33% ✓
• Cap rate: 10.10%
• Cash-on-cash: 13.61%
• DSCR: 1.61
• GRM: 6.3

CMA / ARV

• ARV (median comp): $108,302
• List price: $89,500
• Delta: -17.36%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
337 W Pine St	0.38mi	3/1.0	1,520 (+6%)	2mo	$101,000	$66	71
414 W Washington St	0.44mi	4/1.0 (+1)	1,439 (-0%)	5mo	$95,000	$66	70
341 S Broad Mountain Ave	0.56mi	3/1.0	1,385 (-4%)	2mo	$140,000	$101	66
113 N 2nd St	0.38mi	4/1.0 (+1)	1,344 (-7%)	2mo	$65,000	$48	65
134 S Middle	0.35mi	3/2.0	1,336 (-7%)	4mo	$125,000	$94	65
138 S 2nd St	0.53mi	4/1.0 (+1)	1,390 (-4%)	6mo	$180,000	$129	60
220 W High St	0.33mi	3/2.5	1,593 (+11%)	3mo	$230,000	$144	58
339 S Lehigh Ave	0.57mi	4/1.0 (+1)	1,526 (+6%)	5mo	$85,000	$56	54
120 E Chestnut St	0.40mi	4/2.0 (+1)	1,610 (+12%)	2mo	$170,000	$106	51
104 S 4th St	0.64mi	3/1.0	1,236 (-14%)	4mo	$125,000	$101	43
134 North Sixth St Unit BUTLER TWP	0.70mi	3/1.0	1,276 (-11%)	7mo	$148,000	$116	43
39 S Center St	0.40mi	4/2.0 (+1)	1,650 (+15%)	7mo	$150,000	$91	42

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: 3.8%
• Equity multiple: 1.15×
• Total profit: $3,639
• Equity at exit: $13,345

10-year hold

• IRR: 13.3%
• Equity multiple: 2.06×
• Total profit: $26,643
• Equity at exit: $7,738

Cash invested: $25,060 (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: 31
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,191 medium
• Mortgage (P&I): −$469
• Tax from tax record: −$150 /mo · $1,797/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $284

Break-even live

Break-even rent $831

Max offer price $89,500

Occupancy floor 71%

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: $22,375
• Closing costs: $2,685
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $89,500 Active 70 DOM
2. 2026-06-18
   days on market $89,500 Active 69 DOM
3. 2026-06-17
   days on market $89,500 Active 68 DOM
4. 2026-06-16
   days on market $89,500 Active 67 DOM
5. 2026-06-15
   days on market $89,500 Active 66 DOM
6. 2026-06-14
   days on market $89,500 Active 64 DOM
7. 2026-06-12
   days on market $89,500 Active 63 DOM
8. 2026-06-09
   pricedays on market $89,500 Active 60 DOM
9. 2026-06-08
   days on market $95,000 Active 59 DOM
10. 2026-06-07
    days on market $95,000 Active 58 DOM
11. 2026-06-07
    days on market $95,000 Active 57 DOM
12. 2026-06-04
    days on market $95,000 Active 54 DOM
13. 2026-06-02
    days on market $95,000 Active 53 DOM
14. 2026-06-01
    days on market $95,000 Active 52 DOM
15. 2026-05-31
    days on market $95,000 Active 51 DOM
16. 2026-05-31
    days on market $95,000 Active 50 DOM
17. 2026-05-04
    price $95,000 348-char remark

    Show marketing remark (348 chars)

    PRICE REDUCTION! Solid semi detached in need of some updating, but move-in condition, just waiting for that new owner to bring it back to life. Beautiful colonnades between open livingroom diningroom area. All great room sizes. Fenced yard. Attic is finished and was used as additional bedroom. This home has greater potential, and its affordable!

18. 2026-04-10
    listed $105,000 Active 348-char remark

    Show marketing remark (348 chars)

    PRICE REDUCTION! Solid semi detached in need of some updating, but move-in condition, just waiting for that new owner to bring it back to life. Beautiful colonnades between open livingroom diningroom area. All great room sizes. Fenced yard. Attic is finished and was used as additional bedroom. This home has greater potential, and its affordable!

ⓘ 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: $1,797 · $150/mo
• Projected year-2 tax: $1,797 · $150/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 15 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: $14,287
• − Mortgage interest: −$5,013
• − Property taxes: −$1,797
• − Insurance: −$448
• − Repairs & maintenance: −$1,143
• − Management: −$1,143
• − Depreciation: −$2,604
• Taxable income: $2,140
• Est. tax owed @ 24.0%: −$514
• After-tax cash flow: $2,897/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

-9.5% since first listed

2 events — show timeline

• 2026-05-04 Price Changed $95,000 BRIGHT MLS
• 2026-04-10 Listed $105,000 BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $1,797 · +8.2% YoY. Source: county tax records.