222 S 2nd St · Coaldale, PA 18218

$124,900

5 bd · 1.0 ba · 2,076 sqft · Townhouse public records · 7 Days on market

Built 1913 2,614 sqft lot Est $154k · 19% under

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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 +29.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.2/10.0
• Appreciation +5.3/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Spacious and Affordable 5-Bedroom Semi-Detached Home in Coaldale If you’re looking for space, this is it! Boasting over 2,000 square feet of living space and offering plenty of room for everyone. With 5 generously sized bedrooms, everyone can enjoy their own private retreat. Step into the beautifully remodeled eat-in kitchen, featuring elegant granite countertops and modern finishes. Perfect for daily meals or perfect for entertaining friends, this kitchen is sure to be the heart of your home. The formal dining room provides a sophisticated space for hosting dinner parties and holiday gatherings. Imagine celebrating special occasions in this charming setting, surrounded by your loved ones. Enjoy the outdoors in the fully fenced yard, ideal for pets and gardening enthusiasts. Whether you’re hosting a summer barbecue or simply relaxing on the weekends, this backyard is perfect for all your outdoor activities. This affordably priced gem in Coaldale offers incredible value with its spacious layout, modern amenities, and convenient location. Don’t miss your chance to make this house your home!

Key facts

• Recently remodeled
• Second bathroom
• Move-in-ready

Tags

• RECENTLY REMODELED
• SECOND BATHROOM
• FULLY FENCED YARD
• MOVE-IN-READY

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public septic; Electric for cooling; Oil fuel for heating and hot water
• Home design: Semi-detached property; Pitched roof; Fee simple ownership; Very good condition
• Construction: Vinyl siding exterior; Block foundation; Estimated year built
• Exterior features: Chain link fencing; Corner lot with side yard

Interior

• Kitchen: Eat-in kitchen with island
• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Bathrooms: Two full bathrooms (both on upper levels)
• Heating & cooling: Baseboard hot water heating (oil-fired); Ceiling fans for cooling; Hot water heated by oil
• Interior features: Walk-in shower in bathroom; Breakfast area; Ceiling fans; Combination dining and living area; Traditional floor plan; Eat-in kitchen; Kitchen island; Full basement

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $442 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).

Location & tenants

• Location reads 70/100 on livability (#761 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• Panther Valley SD (rural): math 14% / reading 35% proficiency, ranked #477 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Panther Valley El Sch (math 27% / reading 42%, grade F, #1,049 of 1,518 statewide, top 71%, 622 students, 100% FRL); Panther Valley Jshs (math 13% / reading 36%, grade F, #376 of 437 statewide, top 86%, 771 students, 100% FRL) — zoned schools average 100% FRL vs 52% district-wide (48 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 12 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($864 loan paydown + $636 appreciation (0.5% local appreciation)).
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.5% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 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 $105k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1913 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $124,900

Questions for the listing agent

1. Built in 1913 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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.
5. 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.
6. 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: 1.32% ✓
• Cap rate: 10.54%
• Cash-on-cash: 15.18%
• DSCR: 1.68
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $153,624
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
222 S Second St	0.00mi	5/2.0	2,070 (-0%)	18mo	$105,000	$51	81
346 Snow Ridge Cir	0.72mi	4/3.0 (-1)	2,049 (-1%)	16mo	$365,000	$178	38
341 W Abbott St	0.72mi	4/2.0 (-1)	1,861 (-10%)	12mo	$137,500	$74	30

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

Projected returns pro-forma

0.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.9%
• Equity multiple: 1.79×
• Total profit: $27,558
• Equity at exit: $39,479

10-year hold

• IRR: 19.8%
• Equity multiple: 3.29×
• Total profit: $80,242
• Equity at exit: $50,101

Cash invested: $34,972 (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 18218

• Home prices YoY: 0.2%
• Active inventory: 12
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,652 medium
• Mortgage (P&I): −$655
• Tax est. 1.5%: −$156 /mo · $1,874/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$347
• Net cashflow: $442

Break-even live

Break-even rent $1,093

Max offer price $124,900

Occupancy floor 68%

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-13
   statusdays on market $124,900 Pending 7 DOM
2. 2026-06-10
   days on market $124,900 Active 6 DOM
3. 2026-06-09
   days on market $124,900 Active 5 DOM
4. 2026-06-08
   days on market $124,900 Active 4 DOM
5. 2026-06-07
   days on market $124,900 Active 3 DOM
6. 2026-06-05
   remarks 699-char remark
7. 2026-06-05
   listed $124,900 Active 1 DOM

ⓘ 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 3/10 Moderate 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,829
• − Mortgage interest: −$6,996
• − Property taxes: −$1,874
• − Insurance: −$624
• − Repairs & maintenance: −$1,586
• − Management: −$1,586
• − Depreciation: −$3,633
• Taxable income: $3,529
• Est. tax owed @ 24.0%: −$847
• 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: Panther Valley SD
• NCES district ID: 4218450
• Math proficiency: 14% ▼ -7.00%
• Reading proficiency: 35% ▼ -14.00%
• Median HH income: $36,914
• Composite: 20.31/100
• National rank: #8613
• State rank: #477 of 539 in PA

Livability — Coaldale

• Score: 70/100
• State rank: #761
• US rank: #7599

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Coaldale, PA
• Population (ZIP): 2,353

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 (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Black 4% Two or more races 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 9% Polish 4% Iranian 3%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · Spanish 6%

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: ▲ 0.51%
• Current HPI: 288.42
• 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

+4.1% since first listed

8 events — show timeline

• 2026-06-04 Listed $124,900 BRIGHT MLS
• 2025-01-08 Sold (Public Records) $105,000 Public Records
• 2024-12-27 Sold (MLS) $105,000 BRIGHT MLS
• 2024-12-09 Pending — BRIGHT MLS
• 2024-10-19 Price Changed $114,900 BRIGHT MLS
• 2024-08-29 Relisted — BRIGHT MLS
• 2024-08-26 Contingent — BRIGHT MLS
• 2024-08-02 Listed $120,000 BRIGHT MLS

Property tax history

+15.1%/yr

Latest (2026): $7,790 · +274.4% YoY. Source: county tax records.