412 E Railroad Ave · New Ringgold, PA 17960

$179,999

2 bd · 1.0 ba · 1,216 sqft · SingleFamily public records · 42 Days on market

Built 1920 0.28 ac lot $148/sqft · at area comps Est $244k · 26% 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 +17.3/30.0
• ARV discount +15.0/15.0
• DSCR +5.4/10.0
• Schools +4.6/10.0
• 1% rule +4.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this 2-bedroom, 1 full bath single-family home in New Ringgold Borough, offering over 1,600 sq ft of living space with several key updates already completed. A true highlight of the home is the expansive, open-concept kitchen—remodeled in 2019—providing an ideal space for cooking, gathering, and entertaining. Additional improvements include updated first-floor windows (2019), a newer roof on both the house and garage/shed (2018), and a mini-split system installed in 2021 for efficient heating and cooling, along with oil heat as a supplemental source. The home offers a practical layout with the opportunity for a new owner to bring their own finishing touches and make it their own. Outside, the property features over a quarter acre of space, a well-kept saltwater above-ground pool, and a large detached multi-car garage/workshop with over 1,000 sq ft—perfect for storage, hobbies, or workspace needs. Located in the Blue Mountain Area School District, this home includes public sewer, well water, and low taxes, making it a great opportunity for buyers looking for value, flexibility, and potential. * * * Home Back On Market due to Medical Reasons that had arisen with previous Buyer who can no longer move forward with the purchase of the home. * * *

Key facts

• Mini-split system
• Open-concept kitchen
• Newer roof

Tags

• OPEN-CONCEPT KITCHEN
• UPDATED FIRST-FLOOR WINDOWS
• NEWER ROOF
• MINI-SPLIT SYSTEM
• SALTWATER ABOVE-GROUND POOL

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $131 ($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 $163k (9.7% below list).
• Recommended offer: $163k (9.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 60/100 on livability (#1,472 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime C-, schools D+, amenities F.
• Blue Mountain SD (town): math 42% / reading 65% proficiency, ranked #126 of 539 in PA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 14 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $59k; list at $180k implies a 206% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $162,600 (9.7% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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 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: 0.90% ✗
• Cap rate: 7.16%
• Cash-on-cash: 3.11%
• DSCR: 1.14
• GRM: 9.2

CMA / ARV

• ARV (median comp): $244,151
• List price: $179,999
• Delta: -26.28%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -11.4%
• Equity multiple: 0.59×
• Total profit: $-20,872
• Equity at exit: $26,838

10-year hold

• IRR: -2.2%
• Equity multiple: 0.85×
• Total profit: $-7,579
• Equity at exit: $15,563

Cash invested: $50,400 (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 17960

• Home prices YoY: -10.3%
• Active inventory: 14
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,626 medium
• Mortgage (P&I): −$944
• Tax from tax record: −$135 /mo · $1,619/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $131

Break-even live

Break-even rent $1,461

Max offer price $179,999

Occupancy floor 87%

Sensitivity live

Price	-10% $233	-5% $182	+0% $131	+5% $80	+10% $29
Rent	-10% $2	-5% $67	+0% $131	+5% $195	+10% $259
Rate	-1.0pp $221	-0.5pp $177	base $131	+0.5pp $84	+1.0pp $37

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-07
   statusdays on market $179,999 Pending 42 DOM
2. 2026-06-04
   days on market $179,999 Active 40 DOM
3. 2026-06-02
   days on market $179,999 Active 39 DOM
4. 2026-06-01
   days on market $179,999 Active 38 DOM
5. 2026-05-31
   days on market $179,999 Active 37 DOM
6. 2026-05-31
   days on market $179,999 Active 36 DOM
7. 2026-05-13
   status Active 1294-char remark

   Show marketing remark (1294 chars)

   Welcome to this 2-bedroom, 1 full bath single-family home in New Ringgold Borough, offering over 1,600 sq ft of living space with several key updates already completed. A true highlight of the home is the expansive, open-concept kitchen—remodeled in 2019—providing an ideal space for cooking, gathering, and entertaining. Additional improvements include updated first-floor windows (2019), a newer roof on both the house and garage/shed (2018), and a mini-split system installed in 2021 for efficient heating and cooling, along with oil heat as a supplemental source. The home offers a practical layout with the opportunity for a new owner to bring their own finishing touches and make it their own. Outside, the property features over a quarter acre of space, a well-kept saltwater above-ground pool, and a large detached multi-car garage/workshop with over 1,000 sq ft—perfect for storage, hobbies, or workspace needs. Located in the Blue Mountain Area School District, this home includes public sewer, well water, and low taxes, making it a great opportunity for buyers looking for value, flexibility, and potential. * * * Home Back On Market due to Medical Reasons that had arisen with previous Buyer who can no longer move forward with the purchase of the home. * * *

8. 2026-04-26
   status Pending 1294-char remark

   Show marketing remark (1294 chars)

   Welcome to this 2-bedroom, 1 full bath single-family home in New Ringgold Borough, offering over 1,600 sq ft of living space with several key updates already completed. A true highlight of the home is the expansive, open-concept kitchen—remodeled in 2019—providing an ideal space for cooking, gathering, and entertaining. Additional improvements include updated first-floor windows (2019), a newer roof on both the house and garage/shed (2018), and a mini-split system installed in 2021 for efficient heating and cooling, along with oil heat as a supplemental source. The home offers a practical layout with the opportunity for a new owner to bring their own finishing touches and make it their own. Outside, the property features over a quarter acre of space, a well-kept saltwater above-ground pool, and a large detached multi-car garage/workshop with over 1,000 sq ft—perfect for storage, hobbies, or workspace needs. Located in the Blue Mountain Area School District, this home includes public sewer, well water, and low taxes, making it a great opportunity for buyers looking for value, flexibility, and potential. * * * Home Back On Market due to Medical Reasons that had arisen with previous Buyer who can no longer move forward with the purchase of the home. * * *

9. 2026-04-14
   price $186,999 1294-char remark

   Show marketing remark (1294 chars)

   Welcome to this 2-bedroom, 1 full bath single-family home in New Ringgold Borough, offering over 1,600 sq ft of living space with several key updates already completed. A true highlight of the home is the expansive, open-concept kitchen—remodeled in 2019—providing an ideal space for cooking, gathering, and entertaining. Additional improvements include updated first-floor windows (2019), a newer roof on both the house and garage/shed (2018), and a mini-split system installed in 2021 for efficient heating and cooling, along with oil heat as a supplemental source. The home offers a practical layout with the opportunity for a new owner to bring their own finishing touches and make it their own. Outside, the property features over a quarter acre of space, a well-kept saltwater above-ground pool, and a large detached multi-car garage/workshop with over 1,000 sq ft—perfect for storage, hobbies, or workspace needs. Located in the Blue Mountain Area School District, this home includes public sewer, well water, and low taxes, making it a great opportunity for buyers looking for value, flexibility, and potential. * * * Home Back On Market due to Medical Reasons that had arisen with previous Buyer who can no longer move forward with the purchase of the home. * * *

10. 2026-04-07
    listed $199,999 Active 1294-char remark

    Show marketing remark (1294 chars)

    Welcome to this 2-bedroom, 1 full bath single-family home in New Ringgold Borough, offering over 1,600 sq ft of living space with several key updates already completed. A true highlight of the home is the expansive, open-concept kitchen—remodeled in 2019—providing an ideal space for cooking, gathering, and entertaining. Additional improvements include updated first-floor windows (2019), a newer roof on both the house and garage/shed (2018), and a mini-split system installed in 2021 for efficient heating and cooling, along with oil heat as a supplemental source. The home offers a practical layout with the opportunity for a new owner to bring their own finishing touches and make it their own. Outside, the property features over a quarter acre of space, a well-kept saltwater above-ground pool, and a large detached multi-car garage/workshop with over 1,000 sq ft—perfect for storage, hobbies, or workspace needs. Located in the Blue Mountain Area School District, this home includes public sewer, well water, and low taxes, making it a great opportunity for buyers looking for value, flexibility, and potential. * * * Home Back On Market due to Medical Reasons that had arisen with previous Buyer who can no longer move forward with the purchase of the home. * * *

11. 1996-01-31
    soldstatus $58,900

ⓘ 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: $1,619 · $135/mo
• Projected year-2 tax: $2,231 · $186/mo
• Expected delta: +$613/yr (+$51/mo · 37.9%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% 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: $19,512
• − Mortgage interest: −$10,083
• − Property taxes: −$1,619
• − Insurance: −$900
• − Repairs & maintenance: −$1,561
• − Management: −$1,561
• − Depreciation: −$5,236
• Taxable loss: −$1,448
• Est. tax savings @ 24.0%: +$347
• After-tax cash flow: $1,916/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: Blue Mountain SD
• NCES district ID: 4203870
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $58,661
• Composite: 46.42/100
• National rank: #2454
• State rank: #126 of 539 in PA

Livability — New Ringgold

• Score: 60/100
• State rank: #1472
• US rank: #19008

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Ringgold, PA
• Population (ZIP): 4,084

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 (94%)
• Race & ethnicity: White 94% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 4% Scotch-Irish 3% Italian 3%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Russian/Polish/Slavic 2% Spanish 2% Vietnamese 1%

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: ▼ -19.02%
• Current HPI: 164.7902
• 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

+217.5% since first listed

5 events — show timeline

• 2026-05-13 Relisted — BRIGHT MLS
• 2026-04-26 Pending — BRIGHT MLS
• 2026-04-14 Price Changed $186,999 BRIGHT MLS
• 2026-04-07 Listed $199,999 BRIGHT MLS
• 1996-01-31 Sold (Public Records) $58,900 Public Records

Property tax history

+2.6%/yr

Latest (2025): $1,619 · +6.8% YoY. Source: county tax records.