2134 Centre St · Ashland, PA 17921

$75,000

3 bd · 1.0 ba · 1,060 sqft · SingleFamily public records · 234 Days on market

Built 1925 1,742 sqft lot $71/sqft · 16% above area Est $64k · 16% over

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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
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +9.3/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.1/15.0

Listing remarks MLS

Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

Key facts

• Solid bones
• Spacious layout
• Detached garage

Tags

• DETACHED GARAGE
• SPACIOUS LAYOUT
• SOLID BONES

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $309 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#1,179 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• North Schuylkill SD (rural): math 19% / reading 48% proficiency, ranked #429 of 539 in PA (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 48 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 $8k of equity ($519 loan paydown + $8k appreciation (10.0% 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 (10.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 234 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 18y ago; this cycle's ask has dropped $24k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 234 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — 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 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?
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: 1.43% ✓
• Cap rate: 11.24%
• Cash-on-cash: 17.65%
• DSCR: 1.79
• GRM: 5.8

CMA / ARV

• ARV (median comp): $64,460
• List price: $75,000
• Delta: 16.35%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 37.4%
• Equity multiple: 3.88×
• Total profit: $60,552
• Equity at exit: $67,566

10-year hold

• IRR: 32.2%
• Equity multiple: 8.76×
• Total profit: $162,902
• Equity at exit: $145,709

Cash invested: $21,000 (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 17921

• Home prices YoY: 21.7%
• Active inventory: 48
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,075 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$116 /mo · $1,389/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$226
• Net cashflow: $309

Break-even live

Break-even rent $684

Max offer price $75,000

Occupancy floor 66%

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1313 Spruce St Ashland, PA	2.0	1.0	1350	$1,075	$0.80	43d	1	0.47mi

Listing history 39 events

1. 2026-06-19
   days on market $75,000 Active 234 DOM
2. 2026-06-18
   days on market $75,000 Active 233 DOM
3. 2026-06-17
   days on market $75,000 Active 232 DOM
4. 2026-06-16
   days on market $75,000 Active 231 DOM
5. 2026-06-15
   days on market $75,000 Active 230 DOM
6. 2026-06-14
   days on market $75,000 Active 228 DOM
7. 2026-06-12
   days on market $75,000 Active 227 DOM
8. 2026-06-09
   days on market $75,000 Active 224 DOM
9. 2026-06-08
   days on market $75,000 Active 223 DOM
10. 2026-06-07
    days on market $75,000 Active 222 DOM
11. 2026-06-07
    days on market $75,000 Active 221 DOM
12. 2026-06-04
    days on market $75,000 Active 218 DOM
13. 2026-06-03
    price $75,000 Active 217 DOM
14. 2026-06-02
    days on market $86,500 Active 217 DOM
15. 2026-06-01
    days on market $86,500 Active 216 DOM
16. 2026-05-31
    days on market $86,500 Active 215 DOM
17. 2026-05-31
    days on market $86,500 Active 214 DOM
18. 2026-05-03
    price $86,500 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

19. 2026-04-20
    price $86,995 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

20. 2026-04-06
    price $87,250 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

21. 2026-04-01
    status Active 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

22. 2026-03-31
    historical 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

23. 2026-03-16
    price $89,900 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

24. 2026-03-01
    status Active 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

25. 2026-02-28
    historical 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

26. 2025-12-16
    status Active 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

27. 2025-12-15
    historical 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

28. 2025-11-17
    status Active 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

29. 2025-11-15
    historical 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

30. 2025-10-24
    soldstatus $75,000
31. 2025-10-23
    listed $99,000 Active 727-char remark

    Show marketing remark (727 chars)

    Bring Your Toolbelt and Vision — the Finish Line Awaits! This four-bedroom, one-bath home in Ashland Borough is about 75% renovated — meaning the heavy lifting is already done, and the fun part is up to you. The previous owner left behind many of the construction materials, so you’ve already got a head start on finishing touches. The layout is spacious, the bones are solid, and the detached garage adds a nice bonus for storage or a workshop. If you’ve got a bit of skill, a dash of creativity, and a desire to add your personal flair, this property is ready to reward your effort. It’s not a total project, it’s a nearly-finished masterpiece waiting for the right hands to bring it home!

32. 2022-06-10
    soldstatus $40,000 Closed 165-char remark

    Show marketing remark (165 chars)

    This 3 bedroom home offers a 1 car detached garage. Oil heat. Attic for storage. Living room w/ w with ceiling fan. Eat in kitchen. Laundry room on the first floor.

33. 2022-05-14
    status Pending 165-char remark

    Show marketing remark (165 chars)

    This 3 bedroom home offers a 1 car detached garage. Oil heat. Attic for storage. Living room w/ w with ceiling fan. Eat in kitchen. Laundry room on the first floor.

34. 2022-05-08
    price $45,000 165-char remark

    Show marketing remark (165 chars)

    This 3 bedroom home offers a 1 car detached garage. Oil heat. Attic for storage. Living room w/ w with ceiling fan. Eat in kitchen. Laundry room on the first floor.

35. 2022-04-24
    listed $50,000 Active 165-char remark

    Show marketing remark (165 chars)

    This 3 bedroom home offers a 1 car detached garage. Oil heat. Attic for storage. Living room w/ w with ceiling fan. Eat in kitchen. Laundry room on the first floor.

36. 2010-04-13
    soldstatus $35,900
37. 2010-04-06
    soldstatus $35,900
38. 2008-09-19
    historical
39. 2008-09-19
    listed $35,900

ⓘ 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: $1,389 · $116/mo
• Projected year-2 tax: $1,389 · $116/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 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $12,900
• − Mortgage interest: −$4,201
• − Property taxes: −$1,389
• − Insurance: −$375
• − Repairs & maintenance: −$1,032
• − Management: −$1,032
• − Depreciation: −$2,182
• Taxable income: $2,689
• Est. tax owed @ 24.0%: −$645
• After-tax cash flow: $3,062/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: North Schuylkill SD
• NCES district ID: 4210110
• Math proficiency: 19% ▼ -14.00%
• Reading proficiency: 48% ▼ -8.00%
• Median HH income: $43,529
• Composite: 28.37/100
• National rank: #6770
• State rank: #429 of 539 in PA

Livability — Ashland

• Score: 64/100
• State rank: #1179
• US rank: #13787

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ashland, PA
• Population (ZIP): 7,029

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 (83%)
• Race & ethnicity: White 83% Black 10% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 10% Iranian 4% Polish 3%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4% Other Indo-European 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: ▲ 62.11%
• Current HPI: 347.8425
• 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

+140.9% since first listed

22 events — show timeline

• 2026-05-03 Price Changed $86,500 BRIGHT MLS
• 2026-04-20 Price Changed $86,995 BRIGHT MLS
• 2026-04-06 Price Changed $87,250 BRIGHT MLS
• 2026-04-01 Relisted — BRIGHT MLS
• 2026-03-31 Listing Removed — BRIGHT MLS
• 2026-03-16 Price Changed $89,900 BRIGHT MLS
• 2026-03-01 Relisted — BRIGHT MLS
• 2026-02-28 Listing Removed — BRIGHT MLS
• 2025-12-16 Relisted — BRIGHT MLS
• 2025-12-15 Listing Removed — BRIGHT MLS
• 2025-11-17 Relisted — BRIGHT MLS
• 2025-11-15 Listing Removed — BRIGHT MLS
• 2025-10-24 Sold (Public Records) $75,000 Public Records
• 2025-10-23 Listed $99,000 BRIGHT MLS
• 2022-06-10 Sold (MLS) $40,000 BRIGHT MLS
• 2022-05-14 Pending — BRIGHT MLS
• 2022-05-08 Price Changed $45,000 BRIGHT MLS
• 2022-04-24 Listed $50,000 BRIGHT MLS
• 2010-04-13 Sold (MLS) $35,900 BRIGHT MLS
• 2010-04-06 Sold (Public Records) $35,900 Public Records
• 2008-09-19 Listed $35,900 BRIGHT MLS
• 2008-09-19 Listing Removed — BRIGHT MLS

Property tax history

+2.8%/yr

Latest (2025): $1,389 · +5.3% YoY. Source: county tax records.