195 Yard St · Nesquehoning, PA 18240

$149,900

3 bd · 1.0 ba · 1,425 sqft · Townhouse public records · 17 Days on market

Built 1920 5,663 sqft lot Est $113k · 33% over

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Why this score? — see what drove the D- 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 +13.4/30.0
• DSCR +4.0/10.0
• Appreciation +4.0/10.0
• 1% rule +3.7/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Here's your chance to stop renting and start owning! Discover the charm of this wonderfully maintained 3-bedroom, 1-bath half-double on the peaceful outskirts of Nesquehoning! This home blends comfort and functionality with an inviting kitchen that flows to a spacious dining room and warm, inviting living and family room. A soothing neutral palette and plush carpeting, a welcoming atmosphere throughout. Upstairs, you’ll find three spacious bedrooms with ample closet space and 1 full bath. Third floor features a large finished attic for storage, an office, or additional bedroom! Step outside to enjoy a fenced in yard perfect for hosting or relaxing. Located close to Jim Thorpe and Pocono attractions — don’t miss this wonderful opportunity!

Key facts

• Inviting kitchen
• Finished attic
• Spacious dining room

Tags

• INVITING KITCHEN
• SPACIOUS DINING ROOM
• FINISHED ATTIC
• FENCED IN YARD
• CLOSE TO POCONO ATTRACTIONS

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Fee simple ownership
• Construction: Concrete perimeter foundation
• Exterior features: Semi-detached; Aluminum siding; Above- and below-grade structures; Not in a federal flood zone

Interior

• Kitchen: Refrigerator; Electric oven/range
• Bedrooms: Three bedrooms on the first upper level; Rooms include living room, dining room, master bedroom, two additional bedrooms, family room, mud room, attic
• Bathrooms: One full bathroom (all upper levels)
• Heating & cooling: Hot water heating; Coal fuel; Wall unit cooling
• Interior features: Eat-in kitchen; Full basement
• Laundry & utility: Washer and dryer in basement; Electric hot water

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $4 ($46/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 $131k (12.9% below list).
• Recommended offer: $131k (12.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#872 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, amenities F, commute 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 Intermediate Sch (math 11% / reading 31%, grade F, #432 of 512 statewide, top 85%, 417 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: 26 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.1%/yr); year-one equity from $1k of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($148k) is reasonable based on typical stale-listing flexibility.
• 4 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 $40k; list at $150k implies a 276% 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 $130,541 (12.9% below list)

Questions for the listing agent

1. Built in 1920 — 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 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.87% ✗
• Cap rate: 6.32%
• Cash-on-cash: 0.11%
• DSCR: 1.00
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $112,575
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
205 Yard St	0.03mi	4/1.0 (+1)	1,447 (+2%)	8mo	$115,000	$79	85

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

Projected returns pro-forma

-2.08% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.0%
• Equity multiple: 0.57×
• Total profit: $-18,196
• Equity at exit: $28,562

10-year hold

• IRR: -3.1%
• Equity multiple: 0.75×
• Total profit: $-10,289
• Equity at exit: $23,885

Cash invested: $41,972 (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 18240

• Home prices YoY: -1.1%
• Active inventory: 26
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,305 high
• Mortgage (P&I): −$786
• Tax from tax record: −$179 /mo · $2,147/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $4

Break-even live

Break-even rent $1,301

Max offer price $149,900

Occupancy floor 95%

Sensitivity live

Price	-10% $89	-5% $46	+0% $4	+5% $-39	+10% $-81
Rent	-10% $-99	-5% $-48	+0% $4	+5% $55	+10% $107
Rate	-1.0pp $79	-0.5pp $42	base $4	+0.5pp $-35	+1.0pp $-75

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10 Leisenring St Lansford, PA	3.0	1.0	1422	$1,100	$0.77	45d	1	0.95mi
323 E Bertsch St Unit A-1 Lansford, PA	2.0	1.0	1250	$1,450	$1.16	45d	1	1.06mi
317 E Bertsch St Unit 1 Lansford, PA	2.0	1.0	1650	$1,400	$0.85	45d	1	1.06mi
546 E Kline Ave Lansford, PA	3.0	1.0	1000	$900	$0.90	4d	1	1.06mi
149 W Ridge St Unit 1A Lansford, PA	2.0	1.0	930	$1,350	$1.45	25d	1	1.29mi
149 W Ridge St Unit 2b Lansford, PA	2.0	1.0	875	$1,325	$1.51	25d	1	1.29mi
149 W Ridge St Unit 3A Lansford, PA	3.0	1.0	1550	$1,650	$1.06	45d	1	1.29mi
149 W Ridge St Unit 1B Lansford, PA	3.0	1.0	1654	$1,500	$0.91	21d	1	1.29mi
214 N Oak St Summit Hill, PA	3.0	1.0	940	$1,250	$1.33	4d	1	1.46mi
214 N Oak St Unit 2 Summit Hill, PA	3.0	1.0	940	$1,200	$1.28	4d	1	1.46mi
214 N Oak St Unit 2 Summit Hill, PA	3.0	1.0	940	$1,250	$1.33	21d	1	1.46mi
214 N Oak St Unit 2 Summit Hill, PA	3.0	1.0	940	$1,250	$1.33	45d	1	1.46mi

Listing history 19 events

1. 2026-06-13
   status $149,900 Pending 17 DOM
2. 2026-06-10
   days on market $149,900 Active 17 DOM
3. 2026-06-09
   days on market $149,900 Active 16 DOM
4. 2026-06-08
   days on market $149,900 Active 15 DOM
5. 2026-06-07
   days on market $149,900 Active 14 DOM
6. 2026-06-05
   days on market $149,900 Active 11 DOM
7. 2026-06-03
   days on market $149,900 Active 10 DOM
8. 2026-06-02
   days on market $149,900 Active 9 DOM
9. 2026-06-01
   days on market $149,900 Active 8 DOM
10. 2026-05-31
    days on market $149,900 Active 7 DOM
11. 2026-05-31
    days on market $149,900 Active 6 DOM
12. 2026-05-24
    listed $149,900 Active

    Show marketing remark (766 chars)

    Here's your chance to stop renting and start owning! Discover the charm of this wonderfully maintained 3-bedroom, 1-bath half-double on the peaceful outskirts of Nesquehoning! This home blends comfort and functionality with an inviting kitchen that flows to a spacious dining room and warm, inviting living and family room. A soothing neutral palette and plush carpeting, a welcoming atmosphere throughout. Upstairs, you’ll find three spacious bedrooms with ample closet space and 1 full bath. Third floor features a large finished attic for storage, an office, or additional bedroom! Step outside to enjoy a fenced in yard perfect for hosting or relaxing. Located close to Jim Thorpe and Pocono attractions — don’t miss this wonderful opportunity!

13. 2026-05-24
    listed $149,900 Active 766-char remark

    Show marketing remark (766 chars)

    Here's your chance to stop renting and start owning! Discover the charm of this wonderfully maintained 3-bedroom, 1-bath half-double on the peaceful outskirts of Nesquehoning! This home blends comfort and functionality with an inviting kitchen that flows to a spacious dining room and warm, inviting living and family room. A soothing neutral palette and plush carpeting, a welcoming atmosphere throughout. Upstairs, you’ll find three spacious bedrooms with ample closet space and 1 full bath. Third floor features a large finished attic for storage, an office, or additional bedroom! Step outside to enjoy a fenced in yard perfect for hosting or relaxing. Located close to Jim Thorpe and Pocono attractions — don’t miss this wonderful opportunity!

14. 2022-10-14
    historical
15. 2019-01-18
    soldstatus $39,900
16. 2018-11-19
    soldstatus $39,000
17. 2018-08-21
    listed $39,900
18. 2018-08-20
    listed $39,900
19. 2014-04-24
    soldstatus $15,000

ⓘ 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: $2,147 · $179/mo
• Projected year-2 tax: $2,258 · $188/mo
• Expected delta: +$111/yr (+$9/mo · 5.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥94°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,665
• − Mortgage interest: −$8,397
• − Property taxes: −$2,147
• − Insurance: −$750
• − Repairs & maintenance: −$1,253
• − Management: −$1,253
• − Depreciation: −$4,361
• Taxable loss: −$2,496
• Est. tax savings @ 24.0%: +$599
• After-tax cash flow: $644/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 — Nesquehoning

• Score: 68/100
• State rank: #872
• US rank: #9211

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Nesquehoning, PA
• City population: 3,909
• Population (ZIP): 3,909

Population outlook (Carbon County) Hauer SSP2

• Today (2025): 61,643 people
• By 2030: 59,840 · -2.9%
• By 2040: 55,413 · -10.1%
• By 2050: 50,843 · -17.5%
• By 2075: 43,326 · -29.7%
• By 2100: 37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 11% Two or more races 7% Black 4%
• Hispanic origin (detail): Puerto Rican 11%
• Common ancestry: Romanian 7% Subsaharan African 4% Polish 3%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Carbon

• 2024 margin: Solid R (+34.8) · D 32.2% · R 67.0%
• 2008→2024 swing: -36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
• All cycles: 2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.08%
• Current HPI: 190.5896
• 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

+899.3% since first listed

8 events — show timeline

• 2026-05-24 Listed $149,900 GLVRMLS
• 2026-05-24 Listed $149,900 BRIGHT MLS
• 2022-10-14 Listing Removed — GLVRMLS
• 2019-01-18 Sold (MLS) $39,900 PMAR
• 2018-11-19 Sold (Public Records) $39,000 Public Records
• 2018-08-21 Listed $39,900 GLVRMLS
• 2018-08-20 Listed $39,900 PMAR
• 2014-04-24 Sold (Public Records) $15,000 Public Records

Property tax history

+2.0%/yr

Latest (2026): $2,147 · +2.7% YoY. Source: county tax records.