531 Peacock St · Pottsville, PA 17901

$79,900

3 bd · 1.0 ba · 1,664 sqft · SingleFamily public records · 91 Days on market

Built 1920 7,405 sqft lot $48/sqft · 49% below area Est $158k · 49% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +3.9/5.0
• Livability +3.8/5.0
• Schools +3.1/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This desirable Pottsville home is ready for a new owner! Arriving at the home, parking is an ease with the detached garage. Crossing the lovely front porch and entering the home, one is greeted by the foyer area and a bright living room which flows into the dining area. Off the dining room is a large kitchen with an abundance of countertop space. Located in the rear of the home is a convenient first floor laundry area. A bonus first floor bathroom and family area are ideal for entertaining. Continuing upstairs are three spacious bedrooms and a full bathroom. A large fourth bedroom with an abundance of closet space is located in the attic. The basement provides plenty of storage space and has ground level access out of the front. In the rear is a large backyard, which is perfect for outside summer enjoyment. Being offered at $79,900, call to schedule a private showing today!

Key facts

• Ground level access
• Large backyard
• Large kitchen

Tags

• DETACHED GARAGE
• FIRST FLOOR LAUNDRY AREA
• BONUS FIRST FLOOR BATHROOM
• LARGE KITCHEN
• LARGE BACKYARD
• GROUND LEVEL ACCESS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $476 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $73k (9.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 6.1% in Pottsville — 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 75/100 on livability (#442 in PA, #4,025 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: commute F, employment 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.
• Market conditions: Rents rising fast (+5.7%/yr); 177 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $552 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 5.7% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 15y 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.

Risks & watch-outs

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

Recommended offer $72,709 (9.0% below list)

Questions for the listing agent

1. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.70% ✓
• Cap rate: 13.44%
• Cash-on-cash: 25.54%
• DSCR: 2.14
• GRM: 4.9

CMA / ARV

• ARV (median comp): $158,216
• List price: $79,900
• Delta: -49.50%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
480 Peacock St	0.10mi	3/1.0	1,602 (-4%)	17mo	$63,500	$40	75
583 W Railroad St	0.13mi	2/1.0 (-1)	1,512 (-9%)	16mo	$107,000	$71	60
1228 Laurel Blvd	0.46mi	4/1.0 (+1)	1,753 (+5%)	7mo	$135,000	$77	59
1401 Mount Hope Ave	0.23mi	2/1.0 (-1)	1,478 (-11%)	9mo	$175,000	$118	58
718 Seneca St	0.40mi	3/2.0	1,751 (+5%)	16mo	$154,900	$88	56
210 W Railroad St	0.61mi	3/1.5	1,450 (-13%)	19mo	$180,000	$124	32

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 · 5.7% rent growth · sell at horizon

5-year hold

• IRR: 22.3%
• Equity multiple: 1.95×
• Total profit: $21,209
• Equity at exit: $11,913

10-year hold

• IRR: 32.1%
• Equity multiple: 4.31×
• Total profit: $74,113
• Equity at exit: $6,908

Cash invested: $22,372 (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 17901

• Home prices YoY: -21.2%
• Rents YoY: 5.7%
• Active inventory: 177
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,356 high
• Mortgage (P&I): −$419
• Tax from tax record: −$143 /mo · $1,710/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$285
• Net cashflow: $476

Break-even live

Break-even rent $753

Max offer price $79,900

Occupancy floor 60%

Sensitivity live

Price	-10% $521	-5% $499	+0% $476	+5% $454	+10% $431
Rent	-10% $369	-5% $423	+0% $476	+5% $530	+10% $583
Rate	-1.0pp $516	-0.5pp $496	base $476	+0.5pp $455	+1.0pp $434

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
631 W Race St Pottsville, PA	3.0	1.0	1340	$1,200	$0.90	44d	1	0.64mi
210 Harrison St Pottsville, PA	3.0	1.0	1078	$1,200	$1.11	44d	1	0.68mi
612 N 2nd St Pottsville, PA	2.0	1.0	1742	$1,295	$0.74	44d	1	0.70mi
1023 W Market St Pottsville, PA	3.0	1.0	1950	$1,100	$0.56	44d	1	0.72mi
321 N 3rd St Pottsville, PA	4.0	1.5	1260	$1,400	$1.11	44d	1	0.74mi
909 Mahantongo St Unit 1 Pottsville, PA	2.0	1.0	1100	$1,200	$1.09	44d	1	0.84mi
119 S 11th St Pottsville, PA	3.0	1.5	1140	$1,450	$1.27	44d	1	0.86mi
2063 King Ave Pottsville, PA	3.0	2.5	1656	$1,600	$0.97	44d	1	1.07mi
426 Adams St Pottsville, PA	3.0	1.0	1104	$1,350	$1.22	44d	1	1.12mi
536 E Arch St Pottsville, PA	2.0	1.0	1360	$975	$0.72	44d	1	1.12mi
525 E Market St Pottsville, PA	4.0	1.0	1120	$1,250	$1.12	44d	1	1.14mi
8 N Wolfe St Pottsville, PA	3.0	1.0	1260	$1,795	$1.42	44d	1	1.22mi

Listing history 35 events

1. 2026-06-14
   days on marketlisting id $79,900 Active 91 DOM
2. 2026-06-12
   days on market $79,900 Active 90 DOM
3. 2026-06-09
   days on market $79,900 Active 87 DOM
4. 2026-06-08
   days on market $79,900 Active 86 DOM
5. 2026-06-07
   days on market $79,900 Active 85 DOM
6. 2026-06-07
   days on market $79,900 Active 84 DOM
7. 2026-06-04
   days on market $79,900 Active 81 DOM
8. 2026-06-02
   days on market $79,900 Active 80 DOM
9. 2026-06-01
   days on market $79,900 Active 79 DOM
10. 2026-05-31
    days on market $79,900 Active 78 DOM
11. 2026-05-31
    days on market $79,900 Active 77 DOM
12. 2026-03-14
    listed $79,900 Active 886-char remark

    Show marketing remark (886 chars)

    This desirable Pottsville home is ready for a new owner! Arriving at the home, parking is an ease with the detached garage. Crossing the lovely front porch and entering the home, one is greeted by the foyer area and a bright living room which flows into the dining area. Off the dining room is a large kitchen with an abundance of countertop space. Located in the rear of the home is a convenient first floor laundry area. A bonus first floor bathroom and family area are ideal for entertaining. Continuing upstairs are three spacious bedrooms and a full bathroom. A large fourth bedroom with an abundance of closet space is located in the attic. The basement provides plenty of storage space and has ground level access out of the front. In the rear is a large backyard, which is perfect for outside summer enjoyment. Being offered at $79,900, call to schedule a private showing today!

13. 2026-03-13
    listed $79,900 Active 886-char remark

    Show marketing remark (886 chars)

    This desirable Pottsville home is ready for a new owner! Arriving at the home, parking is an ease with the detached garage. Crossing the lovely front porch and entering the home, one is greeted by the foyer area and a bright living room which flows into the dining area. Off the dining room is a large kitchen with an abundance of countertop space. Located in the rear of the home is a convenient first floor laundry area. A bonus first floor bathroom and family area are ideal for entertaining. Continuing upstairs are three spacious bedrooms and a full bathroom. A large fourth bedroom with an abundance of closet space is located in the attic. The basement provides plenty of storage space and has ground level access out of the front. In the rear is a large backyard, which is perfect for outside summer enjoyment. Being offered at $79,900, call to schedule a private showing today!

14. 2022-12-02
    soldstatus $100,000
15. 2021-07-08
    soldstatus $80,000
16. 2021-06-25
    soldstatus $46,500 Closed
17. 2021-05-06
    status Pending
18. 2021-03-24
    price $55,900
19. 2021-03-11
    price $59,900
20. 2021-02-12
    price $64,900
21. 2020-12-18
    listed $69,900 Active
22. 2016-01-22
    historical
23. 2015-04-01
    soldstatus $42,000
24. 2015-04-01
    soldstatus $42,000
25. 2015-03-31
    soldstatus $42,000
26. 2014-12-31
    historical
27. 2014-01-13
    listed $59,000
28. 2013-12-31
    historical
29. 2013-06-26
    listed $42,000
30. 2013-06-26
    historical
31. 2013-06-26
    listed
32. 2013-06-25
    listed $59,000
33. 2012-05-10
    listed $59,900
34. 2012-04-12
    historical
35. 2011-10-18
    listed $69,900

ⓘ 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: $1,710 · $143/mo
• Projected year-2 tax: $1,710 · $143/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥96°F today · 15 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,268
• − Mortgage interest: −$4,476
• − Property taxes: −$1,710
• − Insurance: −$400
• − Repairs & maintenance: −$1,301
• − Management: −$1,301
• − Depreciation: −$2,324
• Taxable income: $4,755
• Est. tax owed @ 24.0%: −$1,141
• After-tax cash flow: $4,573/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 — Pottsville

• Score: 75/100
• State rank: #442
• US rank: #4025

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pottsville, PA
• County: Schuylkill County · 22,371 people
• City population: 22,371
• Metro: Pottsville, PA
• Population (ZIP): 22,371
• Household income: $62,484
• Rent vs Own: 29.9% rent · 70.1% own
• Severe rent burden: 622.0

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 (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 3% Black 2%
• Common ancestry: Romanian 9% Iranian 5% Subsaharan African 3%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -54.14%
• Current HPI: 200.6516
• Rent YoY: ▲ 5.70%
• Metro: Pottsville, PA
• 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

+14.3% since first listed

24 events — show timeline

• 2026-03-14 Listed $79,900 BRIGHT MLS
• 2026-03-13 Listed $79,900 PMAR
• 2022-12-02 Sold (Public Records) $100,000 Public Records
• 2021-07-08 Sold (Public Records) $80,000 Public Records
• 2021-06-25 Sold (MLS) $46,500 BRIGHT MLS
• 2021-05-06 Pending — BRIGHT MLS
• 2021-03-24 Price Changed $55,900 BRIGHT MLS
• 2021-03-11 Price Changed $59,900 BRIGHT MLS
• 2021-02-12 Price Changed $64,900 BRIGHT MLS
• 2020-12-18 Listed $69,900 BRIGHT MLS
• 2016-01-22 Listing Removed — BRIGHT MLS
• 2015-04-01 Sold (MLS) $42,000 TREND
• 2015-04-01 Sold (MLS) $42,000 BRIGHT MLS
• 2015-03-31 Sold (Public Records) $42,000 Public Records
• 2014-12-31 Listing Removed — BRIGHT MLS
• 2014-01-13 Listed $59,000 BRIGHT MLS
• 2013-12-31 Listing Removed — BRIGHT MLS
• 2013-06-26 Listed — TREND
• 2013-06-26 Listing Removed — BRIGHT MLS
• 2013-06-26 Listed $42,000 BRIGHT MLS
• 2013-06-25 Listed $59,000 BRIGHT MLS
• 2012-05-10 Listed $59,900 BRIGHT MLS
• 2012-04-12 Listing Removed — BRIGHT MLS
• 2011-10-18 Listed $69,900 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2025): $1,710 · +8.6% YoY. Source: county tax records.