Brick Duplex with Four-Bay
For Sale
$345,000
3404 N Ruch St, Whitehall, PA 18052
Corner-lot dwelling with a covered porch, fenced side yard, and unfinished basement.
Property Size2,896 SF
Price / SF$119.13
Days on Market27
Property Features for 3404 N Ruch St
General Information
Standard status
Active
Size
2,896 SF
Total Parking Spaces
4
Property subtype
Residential Income
Additional Details
Multifamily Units
2
Taxes and HOA fees
Annual Taxes
$5,506
Amenities
covered porch
sunroom
refrigerator
microwave
dishwasher
range
basement
garage
privacy fence
shade trees
Building Details
Buildings
1
Construction
brick
Listing Agency:
Real Estate of America
(484) 892-2357
Listed By:
William A. Erie III
(484) 892-2357
Source:
Exprealty
Added: Jul 13
Changed: Aug 8
Last Checked: Aug 8 at 7:34AM
Displayed information is deemed reliable but is not guaranteed and should be independently verified. All listing content including descriptions, pricing, images are the copyrighted material of Real Estate of America
Investment Insights
Based on property information with market context.
This 2,896-square-foot duplex occupies a corner lot and presents a brick exterior with a covered porch. Interior spaces include bright living areas, a sunroom, a kitchen with a refrigerator, microwave, dishwasher, range, cabinet storage, and dining area, plus bedrooms with carpet, laminate, and hardwood flooring. Bathrooms include a tub-and-shower combination, a separate shower stall, and a tiled powder room.
An unfinished basement provides storage and includes hot water heating and circuit breakers. Outside, the property offers a privacy-fenced side yard, landscaped green space, mature shade trees, and a four-bay garage that supports parking or storage needs. The property is located at 3404 N Ruch St in Whitehall, Pennsylvania.
An unfinished basement provides storage and includes hot water heating and circuit breakers. Outside, the property offers a privacy-fenced side yard, landscaped green space, mature shade trees, and a four-bay garage that supports parking or storage needs. The property is located at 3404 N Ruch St in Whitehall, Pennsylvania.
Key Highlights
- Duplex configured as a two‑unit dwelling
- 2,896 square feet on a corner lot
- Four‑bay garage for parking or storage
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
5.61%
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 5.61%
Second Best
Apartment 5plus
$241.7K
$211.5K – $282.0K
NOI $16,918 @ 7.0% cap · market cap 4.90%
Theoretical Best
Mixed Use
$425.9K
$372.6K – $496.9K
NOI $29,811 @ 7.0% cap · market cap 8.64%
Zoning and permitted uses should be independently verified with authorities.
Property Analytics
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
Market
Vacancy Rate% for Multifamily in Northeast region
Questions? Ask Rey
Realmo’s AI knows this listing — price, zoning, demand, history. Ask anything.
Frequently Asked Questions
What type of property is this?
Duplex - Corner-lot dwelling with a covered porch, fenced side yard, and unfinished basement.
Where is this duplex located?
The property is located at 3404 N Ruch St Whitehall, PA.
What is the asking price?
The asking price for this property is $345,000.
What are key features of this property?
This property features: Duplex configured as a two‑unit dwelling; 2,896 square feet on a corner lot; Four‑bay garage for parking or storage
