835 W Wood St · Fairview-Ferndale, PA 17866

$75,000

4 bd · 1.5 ba · 1,408 sqft · SingleFamily · 74 Days on market

Built 1900 Fair condition 1,742 sqft lot $53/sqft · 9% above area Est $69k · 9% over

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• Appreciation +4.4/10.0
• ARV discount +3.4/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Schools +2.4/10.0
• Condition / age +2.2/5.0

Listing remarks MLS

2 Story Single family home in Coal Township. Finished 3rd floor, fenced yard, home currently being rented

Key facts

• Fenced yard
• Finished 3rd floor
• 1,742 sq ft lot

Tags

• FINISHED 3RD FLOOR
• FENCED YARD

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $75k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $293 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $70k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• 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.
• Market conditions: 30 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals lingering (median 44d 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

• Local home prices are declining (-1.3%/yr); year-one equity from $519 of loan paydown is wiped out by about $969 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.
• At projected returns (-1.3% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 74 days — a 6% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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 $39k; list at $75k implies a 92% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $70,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 6% 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 1900 — 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. 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: 1.37% ✓
• Cap rate: 10.99%
• Cash-on-cash: 16.76%
• DSCR: 1.75
• GRM: 6.1

CMA / ARV

• ARV (median comp): $68,725
• List price: $75,000
• Delta: 9.13%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1009 W Arch St	0.19mi	4/1.0	1,364 (-3%)	1mo	$57,000	$42	83
1112 W Spruce St	0.23mi	3/2.5 (-1)	1,409 (+0%)	5mo	$150,000	$106	76
953-955 W Montgomery St	0.33mi	4/3.0	1,404 (-0%)	7mo	$74,000	$53	72
1035 W Walnut St	0.27mi	3/1.0 (-1)	1,352 (-4%)	8mo	$59,000	$44	67
820 W Spruce St	0.06mi	3/1.5 (-1)	1,250 (-11%)	8mo	$125,000	$100	67
838 W Pine St	0.13mi	3/1.5 (-1)	1,600 (+14%)	2mo	$55,000	$34	64
47 S Rock St	0.72mi	3/1.5 (-1)	1,398 (-1%)	1mo	$36,500	$26	59
123 S 5th St	0.26mi	3/1.0 (-1)	1,552 (+10%)	5mo	$62,000	$40	59
15 W Church St	0.53mi	5/1.0 (+1)	1,296 (-8%)	8mo	$65,000	$50	49
230 S 6th St	0.32mi	3/1.5 (-1)	1,200 (-15%)	9mo	$131,000	$109	48
526 S Diamond St	0.54mi	3/1.0 (-1)	1,608 (+14%)	3mo	$36,900	$23	41
49 N Marshall St	0.64mi	3/1.0 (-1)	1,220 (-13%)	6mo	$44,900	$37	36

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

Projected returns pro-forma

-1.29% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.57×
• Total profit: $12,067
• Equity at exit: $17,056

10-year hold

• IRR: 19.3%
• Equity multiple: 2.89×
• Total profit: $39,736
• Equity at exit: $17,032

Cash invested: $21,000 (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 17866

• Home prices YoY: -1.1%
• Active inventory: 30
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,027 high
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,125/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$216
• Net cashflow: $293

Break-even live

Break-even rent $656

Max offer price $75,000

Occupancy floor 66%

Sensitivity live

Price	-10% $345	-5% $319	+0% $293	+5% $267	+10% $242
Rent	-10% $212	-5% $253	+0% $293	+5% $334	+10% $375
Rate	-1.0pp $331	-0.5pp $312	base $293	+0.5pp $274	+1.0pp $254

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
804 W Mulberry St Coal Township, PA	3.0	1.0	1350	$1,075	$0.80	44d	1	0.23mi
1309 W Spruce St Coal Township, PA	3.0	1.0	1275	$825	$0.65	44d	1	0.35mi
11 S Market St Fl Rear Shamokin, PA	3.0	1.0	950	$1,000	$1.05	44d	1	0.40mi
2 S Vine St Shamokin, PA	3.0	1.0	1450	$975	$0.67	44d	1	0.90mi
609 E Commerce St Shamokin, PA	4.0	1.5	1668	$1,500	$0.90	44d	1	0.92mi

Listing history 20 events

1. 2026-06-19
   days on market $75,000 Active 74 DOM
2. 2026-06-18
   days on market $75,000 Active 73 DOM
3. 2026-06-17
   days on market $75,000 Active 72 DOM
4. 2026-06-16
   days on market $75,000 Active 71 DOM
5. 2026-06-15
   days on market $75,000 Active 70 DOM
6. 2026-06-14
   days on market $75,000 Active 68 DOM
7. 2026-06-12
   days on market $75,000 Active 67 DOM
8. 2026-06-09
   days on market $75,000 Active 64 DOM
9. 2026-06-08
   days on market $75,000 Active 63 DOM
10. 2026-06-07
    days on market $75,000 Active 62 DOM
11. 2026-06-03
    days on market $75,000 Active 58 DOM
12. 2026-06-02
    days on market $75,000 Active 57 DOM
13. 2026-06-01
    days on market $75,000 Active 56 DOM
14. 2026-05-31
    days on market $75,000 Active 55 DOM
15. 2026-05-30
    days on market $75,000 Active 54 DOM
16. 2026-04-06
    listed $75,000 Active 105-char remark

    Show marketing remark (105 chars)

    2 Story Single family home in Coal Township. Finished 3rd floor, fenced yard, home currently being rented

17. 2025-11-09
    listed $80,000 Active
18. 2024-12-16
    soldstatus $39,000 Closed
19. 2024-11-25
    historical Active Under Contract
20. 2024-09-02
    listed $49,900 Active

ⓘ 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 1/10 Low
• 🌡 Heat 4/10 Moderate 8 d/yr ≥95°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: $12,329
• − Mortgage interest: −$4,201
• − Property taxes: −$1,125
• − Insurance: −$375
• − Repairs & maintenance: −$986
• − Management: −$986
• − Depreciation: −$2,182
• Taxable income: $2,473
• Est. tax owed @ 24.0%: −$594
• After-tax cash flow: $2,927/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

A 2-story single-family home in Coal Township with moderate repairs and maintenance needs, offering potential for significant value increase through updates.

Repairs flagged

• Moderate Kitchen cabinets — Cluttered and dated
• Minor Bathroom fixtures — Simple and dated
• Moderate Exterior paint — Worn and faded
• Moderate Interior paint — Worn and faded
• Moderate Windows — Old and possibly drafty

Value-add opportunities

• Both Painting and updating fixtures — Enhances curb appeal and interior aesthetics
• Both Landscaping — Improves curb appeal and adds value
• Both Kitchen and bathroom updates — Modernizes spaces and improves functionality

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Cluttered and dated	Moderate	$3,000–15,000
Bathroom fixtures · Simple and dated	Minor	$500–3,000
Exterior paint · Worn and faded	Moderate	$3,000–15,000
Interior paint · Worn and faded	Moderate	$3,000–15,000
Windows · Old and possibly drafty	Moderate	$3,000–15,000
Total estimated repair cost · 5 items		$12,500–63,000

Value-add ROI direction

• Both Painting and updating fixtures — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping — Improves curb appeal and adds value ↑
• Both Kitchen and bathroom updates — Modernizes spaces and improves functionality ↑

ⓘ 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 — Fairview-Ferndale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Fairview-Ferndale, PA
• Population (ZIP): 9,808

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 (79%)
• Race & ethnicity: White 79% Black 15% Hispanic / Latino 4% Two or more races 2%
• Common ancestry: Romanian 12% Iranian 4% Subsaharan African 2%
• Foreign-born: 1%
• Languages at home: 97% 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: ▼ -1.29%
• Current HPI: 111.3788
• 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

+50.3% since first listed

5 events — show timeline

• 2026-04-06 Listed $75,000 CSVBR
• 2025-11-09 Listed $80,000 CSVBR
• 2024-12-16 Sold (MLS) $39,000 CSVBR
• 2024-11-25 Contingent — CSVBR
• 2024-09-02 Listed $49,900 CSVBR