Brick Duplex with Four-Bay
For Sale
$329,900
3404 N Ruch Street, Whitehall, PA 18052
ResidentialIncome, Whitehall Twp, PA
Property Size2,896 SF
Lot Size0.26 Acres
Price / SF$113.92
Days on Market72
Property Features for 3404 N Ruch Street
General Information
Property type
Residential Multi Family
Property subtype
Other
Zoning
R-5A
Bedrooms
5
Bathrooms
2
Full bathrooms
2
Rooms
Bedroom 4, Bedroom 1, Bathroom 2, Bedroom 5, Bedroom 3, Bathroom 1, Bedroom 2
Parking
4
Parking features
Off Street, Garage, On Street
Subdivision
Not in Development
Elementary school district
Whitehall-Coplay
Middle school district
Whitehall-Coplay
High school district
Whitehall-Coplay
Directions
From PA 145 N, R on Columbia Street L on Ash Street, Home on left corner.
Standard status
Active
APN
549905810582-1
Size
2,896 SF
Lot size
0.26 Acres
Taxes and HOA fees
Tax Annual Amount
5507
Utilities
Sewer type
Public Sewer
Heating system
Oil, Electric (Heating)
Water source
Public
Building Details
Year built
1875
Floors in Building
2
Number of units
2
Building materials
Brick, Stucco
Listing Agency:
Real Estate of America
(610) 351-7900
Listed By:
William A. Erie III
(484) 892-2357
Added: Jul 13
Changed: Sep 13
Last Checked: Sep 22 at 11:06PM
MLS# 779892
Copyright © 2026 Greater Lehigh Valley REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Investment Insights
Based on property information with market context.
This two-unit residential property occupies a 0.258-acre corner lot and offers 2,896 square feet of living space. Built in 1875, the building combines brick and stucco construction with a covered porch, sunroom, living room, kitchen, multiple bedrooms, and two bathrooms. The kitchen includes a refrigerator, microwave, dishwasher, range, cabinet storage, and dining area. An unfinished basement provides storage and contains hot water heating and circuit breakers.
Outdoor features include a privacy-fenced side yard, mature shade trees, and low-maintenance landscaping. A four-bay garage adds substantial enclosed parking or storage, complemented by on-street and off-street parking. The property is served by public water and public sewer and is zoned R-5A in Whitehall Twp, PA.
Outdoor features include a privacy-fenced side yard, mature shade trees, and low-maintenance landscaping. A four-bay garage adds substantial enclosed parking or storage, complemented by on-street and off-street parking. The property is served by public water and public sewer and is zoned R-5A in Whitehall Twp, PA.
Key Highlights
- Two‑unit dwelling with 2,896 square feet of property space
- 0.258‑acre corner lot in Whitehall Twp, PA
- Four‑bay garage plus on‑street and off‑street parking
Financial Insights
Estimated NOI and Cap Rate
NOI = area × lease_rate × (100 − vacancy) / 100 × (1 − expense_ratio). Net Operating Income — what the owner takes home each year before mortgage payments and income tax. Effective rent (asking rent minus vacancy losses) minus operating costs (taxes, insurance, maintenance, management).
NOI / Yr
$19,370
Cap rate = NOI / list price × 100. Capitalization rate — annual return on a fully cash purchase, before financing. NOI divided by price. Higher means more income per dollar invested, but usually also more risk or older condition. 5–8% is typical for stabilized commercial property; double digits often signal distressed deals.
Cap Rate
5.87%
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$387,400
$387.4K
Cap Rate 7%
$276,714
$276.7K
Cap Rate 9%
$215,222
$215.2K
Market Conditions
NOI Build-Up for 2,896 SF
Vacancy — income lost from leasable area expected to sit empty during the year, subtracted from gross rent.
EGI (Effective Gross Income) — gross rent minus vacancy losses, the realistic income before paying operating costs.
OpEx (Operating Expenses) — recurring costs to operate the property (property tax, insurance, utilities, maintenance, management); excludes financing and capital improvements.
NOI (Net Operating Income) — income a property generates after operating costs but before financing and taxes.
Gross rent
$29.9K $10.32/SF
− Vacancy
−$2.2K −$0.76/SF
EGI
$27.7K $9.56/SF
− OpEx
−$8.3K −$2.87/SF
NOI
$19.4K $6.69/SF
Area
Lehigh County, PA
Vacancy
7.41%
Lease Rate
$10.32 /SF/Yr
Expense Ratio
30.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$387,400
Cap Rate 7%
$276,714
Cap Rate 9%
$215,222
Alternative Uses
Best Use
Multifamily LT 5
$276.7K
$242.1K – $322.8K
NOI $19,370 @ 7.0% cap · market cap 5.87%
Second Best
Apartment 5plus
$241.7K
$211.5K – $282.0K
NOI $16,918 @ 7.0% cap · market cap 5.13%
Theoretical Best
Mixed Use
$425.9K
$372.6K – $496.9K
NOI $29,811 @ 7.0% cap · market cap 9.04%
Zoning and permitted uses should be independently verified with authorities.
Property Analytics
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Current Use
Lease Details
2
Residential units
Location Intelligence
Trade Area within ½ mile
175
Businesses Nearby
Explore this area
Business Placement
Demographics for 18052, PA
29,317
Population
12,193
Households
2.4
Avg Household Size
42
Median Age
27%
College-Educated
92%
High-School Grad
12.8 sq mi
ZIP Area
2,290
Density / Sq Mi
$69,499
Median Household Income
$39,491
Median Earnings
$1,387
Median Rent
$247,100
Median Home Value
Check the figures for this property
Cap Rate, Value Estimation, Potential NOI and more
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Market
Vacancy Rate% for Multifamily in Northeast region
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Frequently Asked Questions
What type of property is this?
Duplex - Corner-lot two-unit residence with a covered porch, fenced side yard, basement storage, and public utilities.
Where is this duplex located?
The property is located at 3404 N Ruch Street Whitehall, PA.
What is the asking price?
The asking price for this property is $329,900.
What are key features of this property?
This property features: Two‑unit dwelling with 2,896 square feet of property space; 0.258‑acre corner lot in Whitehall Twp, PA; Four‑bay garage plus on‑street and off‑street parking
