703 1st Street Ext · Tilden, PA 19526

$139,900

3 bd · 1.5 ba · 1,056 sqft · SingleFamily public records · 160 Days on market

Built 1994 $132/sqft · 65% above area ↓ 7% since listing

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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
• Appreciation +10.0/10.0
• 1% rule +8.5/10.0
• ARV discount +7.5/15.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Affordable living at its finest! Looking for easy one-floor living in Northern Berks County? Come check out 703 1st Street EXT in Hamburg (Tilden Twp. ); this move-in ready home offers three good-sized bedrooms, two full bathrooms, open living room, dining room and kitchen area, and a rear deck perfect for enjoying some time outdoors. Very well maintained and many updates, including a new roof (2025), fresh paint and kitchen backsplash (2025), plumbing completely redone (including main, 2023), hot water heater (2022), and HVAC (2016). The lot (rented) is easy to maintain and a good sized shed stays with the sale. The lot fee is $670.- ($610 plus $60 sewer cost) and includes water, sewer and trash. Two off-street parking spaces and a ramp to the front door add to your convenience. This mobile home is fully approved with financing available! Schedule your showing and see this 100% turnkey property today!

Key facts

• Fresh paint
• Plumbing redone
• One-floor living

Tags

• ONE-FLOOR LIVING
• REAR DECK
• NEW ROOF
• FRESH PAINT
• KITCHEN BACKSPLASH
• PLUMBING REDONE

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $616 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $123k (12.0% 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.
• Hamburg Area SD (other): math 31% / reading 43% proficiency, ranked #377 of 539 in PA (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 47 active listings in the ZIP; 258 units permitted in Berks County in 2024 (27 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($967 loan paydown + $14k appreciation (10.0% local appreciation)).
• Berks County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 160 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $123,112 (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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.35% ✓
• Cap rate: 11.58%
• Cash-on-cash: 18.88%
• DSCR: 1.84
• GRM: 6.2

CMA / ARV

• ARV (median comp): $84,743
• List price: $139,900
• Delta: 65.09%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
322 Oak St	0.15mi	3/2.0	1,008 (-4%)	10mo	$107,000	$106	75
211 Merry St	0.15mi	3/2.0	960 (-9%)	3mo	$75,000	$78	73
215 Merry St	0.19mi	3/2.0	1,150 (+9%)	9mo	$139,900	$122	66
318 Oak St	0.17mi	3/2.0	924 (-12%)	12mo	$295,000	$319	59
914 Sycamore Dr	0.18mi	3/2.0	960 (-9%)	21mo	$85,000	$89	57
300 Pleasant View Dr	0.13mi	2/2.0 (-1)	980 (-7%)	22mo	$64,999	$66	56
207 Hazel St	0.68mi	3/1.0	1,210 (+15%)	5mo	$300,000	$248	38

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 38.3%
• Equity multiple: 3.95×
• Total profit: $115,417
• Equity at exit: $126,033

10-year hold

• IRR: 33.0%
• Equity multiple: 8.89×
• Total profit: $308,956
• Equity at exit: $271,795

Cash invested: $39,172 (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 19526

• Home prices YoY: 4.6%
• Active inventory: 47
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,884 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$80 /mo · $963/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$396
• Net cashflow: $616

Break-even live

Break-even rent $1,104

Max offer price $139,900

Occupancy floor 62%

Sensitivity live

Price	-10% $696	-5% $656	+0% $616	+5% $577	+10% $537
Rent	-10% $467	-5% $542	+0% $616	+5% $691	+10% $765
Rate	-1.0pp $687	-0.5pp $652	base $616	+0.5pp $580	+1.0pp $543

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $139,900 Active 160 DOM
2. 2026-06-21
   days on market $139,900 Active 159 DOM
3. 2026-06-18
   days on market $139,900 Active 157 DOM
4. 2026-06-17
   days on market $139,900 Active 156 DOM
5. 2026-06-16
   days on market $139,900 Active 155 DOM
6. 2026-06-15
   days on market $139,900 Active 154 DOM
7. 2026-06-13
   days on market $139,900 Active 152 DOM
8. 2026-06-12
   days on market $139,900 Active 151 DOM
9. 2026-06-09
   days on market $139,900 Active 148 DOM
10. 2026-06-08
    days on market $139,900 Active 147 DOM
11. 2026-06-08
    days on market $139,900 Active 146 DOM
12. 2026-06-07
    days on market $139,900 Active 145 DOM
13. 2026-06-04
    days on market $139,900 Active 142 DOM
14. 2026-06-02
    days on market $139,900 Active 141 DOM
15. 2026-06-01
    days on market $139,900 Active 140 DOM
16. 2026-05-31
    days on market $139,900 Active 139 DOM
17. 2026-04-15
    price $139,900 916-char remark

    Show marketing remark (916 chars)

    Affordable living at its finest! Looking for easy one-floor living in Northern Berks County? Come check out 703 1st Street EXT in Hamburg (Tilden Twp. ); this move-in ready home offers three good-sized bedrooms, two full bathrooms, open living room, dining room and kitchen area, and a rear deck perfect for enjoying some time outdoors. Very well maintained and many updates, including a new roof (2025), fresh paint and kitchen backsplash (2025), plumbing completely redone (including main, 2023), hot water heater (2022), and HVAC (2016). The lot (rented) is easy to maintain and a good sized shed stays with the sale. The lot fee is $670.- ($610 plus $60 sewer cost) and includes water, sewer and trash. Two off-street parking spaces and a ramp to the front door add to your convenience. This mobile home is fully approved with financing available! Schedule your showing and see this 100% turnkey property today!

18. 2026-01-12
    listed $144,900 Active 916-char remark

    Show marketing remark (916 chars)

    Affordable living at its finest! Looking for easy one-floor living in Northern Berks County? Come check out 703 1st Street EXT in Hamburg (Tilden Twp. ); this move-in ready home offers three good-sized bedrooms, two full bathrooms, open living room, dining room and kitchen area, and a rear deck perfect for enjoying some time outdoors. Very well maintained and many updates, including a new roof (2025), fresh paint and kitchen backsplash (2025), plumbing completely redone (including main, 2023), hot water heater (2022), and HVAC (2016). The lot (rented) is easy to maintain and a good sized shed stays with the sale. The lot fee is $670.- ($610 plus $60 sewer cost) and includes water, sewer and trash. Two off-street parking spaces and a ramp to the front door add to your convenience. This mobile home is fully approved with financing available! Schedule your showing and see this 100% turnkey property today!

19. 2025-09-07
    historical
20. 2025-07-16
    listed $149,900 Active

ⓘ 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: $963 · $80/mo
• Projected year-2 tax: $1,587 · $132/mo
• Expected delta: +$624/yr (+$52/mo · 64.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $22,611
• − Mortgage interest: −$7,837
• − Property taxes: −$963
• − Insurance: −$700
• − Repairs & maintenance: −$1,809
• − Management: −$1,809
• − Depreciation: −$4,070
• Taxable income: $5,424
• Est. tax owed @ 24.0%: −$1,302
• After-tax cash flow: $6,094/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: Hamburg Area SD
• NCES district ID: 4211340
• Math proficiency: 31% ▼ -12.00%
• Reading proficiency: 43% ▼ -15.00%
• Median HH income: $55,589
• Composite: 32.5/100
• National rank: #5705
• State rank: #377 of 539 in PA

Livability — Tilden

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

Census & demographics

• Census place: West Hamburg, PA
• Population (ZIP): 11,412

Population outlook (Berks County) Hauer SSP2

• Today (2025): 425,767 people
• By 2030: 428,814 · +0.7%
• By 2040: 433,463 · +1.8%
• By 2050: 439,426 · +3.2%
• By 2075: 478,647 · +12.4%
• By 2100: 518,507 · +21.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 6% Two or more races 3% Black 1%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Polish 7% Romanian 4% Iranian 2%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2% German/W. Germanic 1%

Political lean MEDSL · Berks

• 2024 margin: R (+12.2) · D 43.4% · R 55.6%
• 2008→2024 swing: -21.4pp toward R · 2008: 9.2pp · 2024: -12.2pp
• All cycles: 2024: R+12.2 2020: R+8.2 2016: R+10.2 2012: R+0.6 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.13%
• Current HPI: 299.1168
• 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

-6.7% since first listed

4 events — show timeline

• 2026-04-15 Price Changed $139,900 BRIGHT MLS
• 2026-01-12 Listed $144,900 BRIGHT MLS
• 2025-09-07 Listing Removed — BRIGHT MLS
• 2025-07-16 Listed $149,900 BRIGHT MLS

Property tax history

-1.7%/yr

Latest (2026): $963 · +0.0% YoY. Source: county tax records.