219 E Elm St · Dunmore, PA 18512

$230,000

5 bd · 2.5 ba · 2,900 sqft · SingleFamily · 52 Days on market

Built 1950 Fair condition 2,178 sqft lot $79/sqft · 14% below area Est $266k · 14% under

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Why this score? — see what drove the C- 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 +17.1/30.0
• ARV discount +13.7/15.0
• DSCR +5.3/10.0
• 1% rule +4.6/10.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

Key facts

• 2,178 sq ft lot
• Built 1950
• Listed 52 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electricity connected (150 amp service); Natural gas connected
• Home design: Single-family residence; Residential property; Built in 1950 (estimated)
• Construction: Frame construction with glass and concrete elements; Attic/crawl hatchway insulation; Combination foundation; Composition roof
• Exterior features: Balcony; Rain gutters; Outdoor lighting; Private entrance; City lot; Level lot; Asphalt road frontage

Interior

• Kitchen: Oven; Range; Refrigerator; Eat-in kitchen
• Bedrooms: 5 bedrooms (individual bedroom dimensions available)
• Flooring: Carpet; Wood; Linoleum
• Bathrooms: 3 bathrooms total — 2 full, 1 half
• Heating & cooling: Natural gas heating; Ceiling fans; Window air conditioning units
• Interior features: Ceiling fans; Second kitchen; Eat-in kitchen; Drywall; Crawl opening attic access; Finished basement
• Laundry & utility: Finished basement (additional utility space possible)

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $230k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $161 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $222k (3.7% below list).
• Recommended offer: $222k (3.7% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 4.4% in Dunmore — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#558 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: amenities F, commute F, health & safety F.
• Dunmore SD (suburban): math 30% / reading 54% proficiency, ranked #324 of 539 in PA (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Dunmore El Ctr (math 31% / reading 59%, grade D-, #809 of 1,518 statewide, top 54%, 786 students, 100% FRL); Dunmore Jshs (math 29% / reading 42%, grade F, #308 of 437 statewide, top 71%, 668 students, 91% FRL) — zoned schools average 95% FRL vs 28% district-wide (68 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 30 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($223k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y 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 $160k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $221,598 (3.7% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 4% 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 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.96% ✗
• Cap rate: 7.13%
• Cash-on-cash: 3.00%
• DSCR: 1.13
• GRM: 8.6

CMA / ARV

• ARV (median comp): $266,497
• List price: $230,000
• Delta: -13.70%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 W Drinker St	0.53mi	4/2.5 (-1)	2,814 (-3%)	7mo	$399,900	$142	59
505 Boyle St	0.40mi	4/2.5 (-1)	2,550 (-12%)	4mo	$319,900	$125	53
234 W Drinker St	0.50mi	4/2.0 (-1)	2,524 (-13%)	20mo	$210,000	$83	31
707 Smith St	0.56mi	4/1.5 (-1)	2,525 (-13%)	24mo	$250,000	$99	24

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: -11.5%
• Equity multiple: 0.58×
• Total profit: $-26,972
• Equity at exit: $34,294

10-year hold

• IRR: -2.3%
• Equity multiple: 0.84×
• Total profit: $-10,135
• Equity at exit: $19,886

Cash invested: $64,400 (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 18512

• Active inventory: 30
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,216 medium
• Mortgage (P&I): −$1,206
• Tax est. 1.5%: −$288 /mo · $3,450/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $161

Break-even live

Break-even rent $2,012

Max offer price $230,000

Occupancy floor 88%

Sensitivity live

Price	-10% $320	-5% $241	+0% $161	+5% $82	+10% $2
Rent	-10% $-14	-5% $74	+0% $161	+5% $249	+10% $336
Rate	-1.0pp $277	-0.5pp $220	base $161	+0.5pp $102	+1.0pp $41

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1707 Monroe Ave Scranton, PA	4.0	2.5	2202	$2,000	$0.91	22d	1	0.79mi
1528 Wyoming Ave Scranton, PA	5.0	1.5	2500	$2,500	$1.00	22d	1	1.17mi

Listing history 25 events

1. 2026-06-18
   days on market $230,000 Active 52 DOM
2. 2026-06-17
   days on market $230,000 Active 51 DOM
3. 2026-06-16
   days on market $230,000 Active 50 DOM
4. 2026-06-15
   days on market $230,000 Active 49 DOM
5. 2026-06-14
   days on market $230,000 Active 47 DOM
6. 2026-06-13
   days on market $230,000 Active 46 DOM
7. 2026-06-10
   days on market $230,000 Active 44 DOM
8. 2026-06-09
   days on market $230,000 Active 43 DOM
9. 2026-06-08
   days on market $230,000 Active 42 DOM
10. 2026-06-07
    days on market $230,000 Active 41 DOM
11. 2026-06-02
    days on market $230,000 Active 36 DOM
12. 2026-06-01
    days on market $230,000 Active 35 DOM
13. 2026-05-31
    days on market $230,000 Active 34 DOM
14. 2026-05-30
    days on market $230,000 Active 33 DOM
15. 2026-04-22
    listed $230,000 Active 359-char remark
16. 2025-07-24
    status Active
17. 2024-12-01
    listed $200,000 Active
18. 2023-09-18
    soldstatus $160,000 Closed

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

19. 2023-08-02
    status Pending

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

20. 2023-07-07
    price $174,900

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

21. 2023-07-06
    status Active

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

22. 2023-06-09
    status Pending

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

23. 2023-06-01
    listed $194,900 Active

    Show marketing remark (603 chars)

    Clean, well-kept 5 Bedroom, 2 Bath in the Dunmore School District. Your heating bills will be reduced with all new replacement windows. New Roof. Enjoy the view of your fenced-in back yard thru the lower level modern kitchen window. LARGE bedrooms with newer carpeting/laminate. This is definitely not a drive-by. Call today to schedule your appointment! * All information is approximate not warranted or guaranteed. * , Baths: 1 Bath Lev 1,1 Bath Lev 2, Beds: 2+ Bed 1st, 2+ Bed 2nd, SqFt Fin - Main: 1050.00, SqFt Fin - 3rd: 0.00, Tax Information: Available, Modern Kitchen: Y, SqFt Fin - 2nd: 1000.00

24. 2005-12-13
    soldstatus $105,000
25. 2004-02-26
    soldstatus $98,777

ⓘ 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 3/10 Moderate 7 d/yr ≥92°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 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: $26,592
• − Mortgage interest: −$12,884
• − Property taxes: −$3,450
• − Insurance: −$1,150
• − Repairs & maintenance: −$2,127
• − Management: −$2,127
• − Depreciation: −$6,691
• Taxable loss: −$1,837
• Est. tax savings @ 24.0%: +$441
• After-tax cash flow: $2,375/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

This single-family home requires moderate renovations to update the kitchen and bathrooms, and repair the exterior paint. It has a good foundation and structure, and is centrally located with easy access to local amenities.

Repairs flagged

• Moderate kitchen cabinets — dated and in need of replacement
• Major bathroom fixtures — missing and in poor condition
• Minor exterior paint — some wear

Value-add opportunities

• Both update kitchen cabinets and appliances — modernizing the kitchen would improve both resale and rental value
• Both repair and replace bathroom fixtures — repairing and replacing the bathroom fixtures would improve both resale and rental value
• Both paint interior walls — painting the interior walls would improve the home's appearance and increase its value

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · dated and in need of replacement	Moderate	$3,000–15,000
bathroom fixtures · missing and in poor condition	Major	$15,000–50,000
exterior paint · some wear	Minor	$500–3,000
Total estimated repair cost · 3 items		$18,500–68,000

Value-add ROI direction

• Both update kitchen cabinets and appliances — modernizing the kitchen would improve both resale and rental value ↑
• Both repair and replace bathroom fixtures — repairing and replacing the bathroom fixtures would improve both resale and rental value ↑
• Both paint interior walls — painting the interior walls would improve the home's appearance and increase its value ↑

ⓘ 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: Dunmore SD
• NCES district ID: 4207980
• Math proficiency: 30% ▼ -16.00%
• Reading proficiency: 54% ▼ -13.00%
• Median HH income: $48,540
• Composite: 35.92/100
• National rank: #4806
• State rank: #324 of 539 in PA

Livability — Dunmore

• Score: 73/100
• State rank: #558
• US rank: #5204

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dunmore, PA
• City population: 12,714
• Population (ZIP): 12,714

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 5% Two or more races 4% Asian 4% Black 1%
• Common ancestry: Romanian 14% Scotch-Irish 2% Subsaharan African 1%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 3% Other Indo-European 2% Tagalog/Filipino 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -174.14%
• Current HPI: 150.6545
• 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

+132.8% since first listed

11 events — show timeline

• 2026-04-22 Listed $230,000 GSBR as distributed by MLS GRID
• 2025-07-24 Relisted — GSBR as distributed by MLS GRID
• 2024-12-01 Listed $200,000 GSBR as distributed by MLS GRID
• 2023-09-18 Sold (MLS) $160,000 GSBR as distributed by MLS GRID
• 2023-08-02 Pending — GSBR as distributed by MLS GRID
• 2023-07-07 Price Changed $174,900 GSBR as distributed by MLS GRID
• 2023-07-06 Relisted — GSBR as distributed by MLS GRID
• 2023-06-09 Pending — GSBR as distributed by MLS GRID
• 2023-06-01 Listed $194,900 GSBR as distributed by MLS GRID
• 2005-12-13 Sold (MLS) $105,000 GSBR as distributed by MLS GRID
• 2004-02-26 Sold (MLS) $98,777 GSBR as distributed by MLS GRID