125 Pike St · Port Carbon, PA 17965

$275,000

3 bd · 3.0 ba · 2,160 sqft · MultiFamily public records · 16 Days on market

Built 1895 3,049 sqft lot

---

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 +28.9/30.0
• DSCR +10.0/10.0
• 1% rule +8.0/10.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +4.2/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 1 unit. estimate disagrees with records

Listing remarks

This property features 3 total units: a 3‑bedroom/1‑bath unit, a 2‑bedroom/1‑bath unit, and a 1‑bedroom/1‑bath unit. All currently rented on month‑to‑month leases. Beautifully remodeled 3‑unit property offering strong income potential and modern updates throughout. Renovated in 2023, this turnkey investment includes new electrical upgrades, replacement windows, all new flooring, updated kitchens, new (separate) water heaters for each and fully renovated bathrooms in every unit. Perfect opportunity to live in one unit while rental income helps offset your mortgage. This property is ideal for investors or buyers seeking additional income with minimal maintenance. A must‑see property with qual

Key facts

• Modern updates
• New flooring
• Replacement windows

Tags

• REMODELED 3 UNIT PROPERTY
• STRONG INCOME POTENTIAL
• MODERN UPDATES
• NEW ELECTRICAL UPGRADES
• REPLACEMENT WINDOWS
• NEW FLOORING

Property features AI

Finance

• Other: Fee simple ownership; Property condition listed as very good

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: Detached structure; Three levels; Pitched roof
• Construction: Vinyl siding; Block and concrete perimeter foundation; Year of major remodel: 2023 (estimated year built source)
• Exterior features: Not in a federal flood zone; Lot approximately 27 x 120 (estimated)

Interior

• Kitchen: Electric oven/range; Refrigerator
• Bedrooms: Six bedrooms on the main level
• Bathrooms: Three full bathrooms (all on the main level)
• Heating & cooling: Electric baseboard heating; Electric service available
• Interior features: Drywall walls and ceilings; Replacement windows; Unfinished dirt floor basement (basement present)
• Laundry & utility: Hot water: electric

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath multifamily listed at $275k.

Deal economics

• At list price, monthly cash flow is $475 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $275k).
• Recommended offer: $271k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 83/100 on livability (#131 in PA, #1,039 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F.
• Pottsville Area SD (town): math 29% / reading 46% proficiency, ranked #395 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Clarke El Ctr (math 26% / reading 49%, grade F, #997 of 1,518 statewide, top 66%, 805 students, 70% FRL); Lengel Ms (math 22% / reading 43%, grade F, #355 of 512 statewide, top 70%, 699 students, 66% FRL); Pottsville Area Hs (math 52% / reading 74%, grade B-, #69 of 437 statewide, top 16%, 898 students, 57% FRL).
• Market conditions: 11 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-161 appreciation (-0.1% 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 (-0.1% appreciation + 3.0% rent growth), your $77k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y 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 $20k; list at $275k implies a 1282% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1895 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $270,875 (1.5% below list)

Questions for the listing agent

1. Built in 1895 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.30% ✓
• Cap rate: 10.37%
• Cash-on-cash: 14.58%
• DSCR: 1.65
• GRM: 6.4

CMA / ARV

• ARV (median comp): $121,394
• List price: $275,000
• Delta: 138.81%
• Verdict: OVERPRICED
• Comps: 7 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
68 Lang	0.13mi	4/— (+1)	2,268 (+5%)	9mo	$169,000	$75	73

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

Projected returns pro-forma

-0.06% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.0%
• Equity multiple: 1.28×
• Total profit: $21,780
• Equity at exit: $79,048

10-year hold

• IRR: 11.3%
• Equity multiple: 2.23×
• Total profit: $94,473
• Equity at exit: $94,381

Cash invested: $77,000 (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 17965

• Home prices YoY: -0.0%
• Active inventory: 11
• Price-to-rent: 18.4×

Monthly cashflow live

• Estimated rent: $3,567 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$326 /mo · $3,909/yr
• Insurance: −$115
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$749
• Net cashflow: $475

Break-even live

Break-even rent $2,966

Max offer price $275,000

Occupancy floor 82%

Sensitivity live

Price	-10% $631	-5% $553	+0% $475	+5% $397	+10% $319
Rent	-10% $193	-5% $334	+0% $475	+5% $616	+10% $757
Rate	-1.0pp $614	-0.5pp $545	base $475	+0.5pp $404	+1.0pp $331

3-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
1× unit	3	1	$1,243
1× unit	2	1	$1,155
1× unit	1	1	$1,170
Total (3 units)			$3,567

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
72 E Bacon St Pottsville, PA	3.0	1.0	1640	$1,300	$0.79	45d	1	0.61mi

Listing history 23 events

1. 2026-06-09
   days on market $275,000 Active 16 DOM
2. 2026-06-08
   days on market $275,000 Active 15 DOM
3. 2026-06-07
   days on market $275,000 Active 14 DOM
4. 2026-06-07
   days on market $275,000 Active 13 DOM
5. 2026-06-04
   days on market $275,000 Active 10 DOM
6. 2026-06-02
   days on market $275,000 Active 9 DOM
7. 2026-06-01
   days on market $275,000 Active 8 DOM
8. 2026-05-31
   days on market $275,000 Active 7 DOM
9. 2026-05-31
   days on market $275,000 Active 6 DOM
10. 2026-04-25
    price $289,900 742-char remark
11. 2026-03-08
    listed $299,900 Active 742-char remark
12. 2025-07-19
    historical
13. 2025-06-18
    price $299,900
14. 2025-03-23
    listed $315,000 Active
15. 2020-09-29
    soldstatus $19,900
16. 2020-09-25
    soldstatus $19,900 Closed
17. 2020-09-05
    status Pending
18. 2020-09-02
    price $19,900
19. 2020-07-30
    listed $25,000 Active
20. 2019-04-19
    historical
21. 2019-02-06
    price $20,000
22. 2018-10-05
    listed $25,000 Active
23. 2004-11-30
    soldstatus $20,000

ⓘ 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: $3,909 · $326/mo
• Projected year-2 tax: $4,127 · $344/mo
• Expected delta: +$218/yr (+$18/mo · 5.6%)

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

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $42,804
• − Mortgage interest: −$15,404
• − Property taxes: −$3,909
• − Insurance: −$6,900
• − Repairs & maintenance: −$3,424
• − Management: −$3,424
• − Depreciation: −$8,000
• Taxable income: $1,742
• Est. tax owed @ 24.0%: −$418
• After-tax cash flow: $5,282/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: Pottsville Area SD
• NCES district ID: 4219710
• Math proficiency: 29% ▼ -14.00%
• Reading proficiency: 46% ▼ -12.00%
• Median HH income: $39,157
• Composite: 31.32/100
• National rank: #6002
• State rank: #395 of 539 in PA

Livability — Port Carbon

• Score: 83/100
• State rank: #131
• US rank: #1039

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Carbon, PA
• City population: 1,869
• Population (ZIP): 1,869

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 (93%)
• Race & ethnicity: White 93% Hispanic / Latino 3% Black 2% Two or more races 2%
• Common ancestry: Romanian 12% Polish 3% Danish 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 3%

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: ▼ -0.06%
• Current HPI: 169.9943
• 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

+1275.0% since first listed

18 events — show timeline

• 2026-06-11 Listing Removed — BRIGHT MLS
• 2026-06-11 Listing Removed — BRIGHT MLS
• 2026-05-25 Price Changed $275,000 BRIGHT MLS
• 2026-05-24 Listed $275,000 BRIGHT MLS
• 2026-04-25 Price Changed $289,900 BRIGHT MLS
• 2026-03-08 Listed $299,900 BRIGHT MLS
• 2025-07-19 Listing Removed — BRIGHT MLS
• 2025-06-18 Price Changed $299,900 BRIGHT MLS
• 2025-03-23 Listed $315,000 BRIGHT MLS
• 2020-09-29 Sold (Public Records) $19,900 Public Records
• 2020-09-25 Sold (MLS) $19,900 BRIGHT MLS
• 2020-09-05 Pending — BRIGHT MLS
• 2020-09-02 Price Changed $19,900 BRIGHT MLS
• 2020-07-30 Listed $25,000 BRIGHT MLS
• 2019-04-19 Listing Removed — BRIGHT MLS
• 2019-02-06 Price Changed $20,000 BRIGHT MLS
• 2018-10-05 Listed $25,000 BRIGHT MLS
• 2004-11-30 Sold (Public Records) $20,000 Public Records

Property tax history

+10.4%/yr

Latest (2026): $3,909 · +119.3% YoY. Source: county tax records.