Two-Unit Duplex with Four-Bay
For Sale
$345,000
3404 N Ruch Street, Whitehall, PA 18052
ResidentialIncome, Whitehall Twp, PA
Property Size2,896 SF
Lot Size0.26 Acres
Price / SF$119.13
Days on Market48
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 5, Bedroom 1, Bathroom 1, Bathroom 2, Bedroom 3, Bedroom 4, Bedroom 2
Parking
4
Parking features
On Street, Off Street, Garage
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
Electric (Heating), Oil
Water source
Public
Amenities
covered porch
sunroom
privacy fence
low-maintenance landscaping
spacious yard
mature shade trees
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
(610) 351-7900
Added: Jul 13
Changed: Aug 19
Last Checked: Aug 29 at 5:06AM
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 duplex at 3404 N Ruch Street features a classic brick exterior with stucco elements and a welcoming covered porch. Inside, a sun-filled living room with multiple windows is complemented by an adaptable sunroom that can serve additional living space. The functional kitchen includes a refrigerator, microwave, dishwasher, and range, with plentiful cabinet storage and a central dining area. Bedrooms throughout offer a mix of flooring types, including carpeting, laminate, and hardwood. Bathrooms include either a combined shower and tub or a shower stall, plus a tiled powder room. An unfinished basement provides storage and includes hot water heating and circuit breakers.
Set on a corner lot in Lehigh County, the property includes a secure side yard with a privacy fence and low-maintenance landscaping, along with a spacious yard with mature shade trees. Public water and public sewer serve the home. The four-bay garage adds extensive parking or storage.
The home was built in 1875 and is zoned R-5A. Heating is electric and oil, with off-street and on-street parking, plus the attached garage.
Set on a corner lot in Lehigh County, the property includes a secure side yard with a privacy fence and low-maintenance landscaping, along with a spacious yard with mature shade trees. Public water and public sewer serve the home. The four-bay garage adds extensive parking or storage.
The home was built in 1875 and is zoned R-5A. Heating is electric and oil, with off-street and on-street parking, plus the attached garage.
Key Highlights
- Two‑unit duplex with covered porch and adaptable sunroom
- Corner lot with secure side yard privacy fence and low‑maintenance landscaping
- Four‑bay garage provides extensive 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
Property Profile
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
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Frequently Asked Questions
What type of property is this?
Duplex - Two-unit duplex on a corner lot with a covered porch, sunroom, and four-bay garage for parking or storage.
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 $345,000.
What are key features of this property?
This property features: Two‑unit duplex with covered porch and adaptable sunroom; Corner lot with secure side yard privacy fence and low‑maintenance landscaping; Four‑bay garage provides extensive parking or storage
