187 Hawthorne Ct · Jackson, PA 18372

$309,000

3 bd · 2.0 ba · 1,368 sqft · SingleFamily public records · 51 Days on market

Built 2005 1,306 sqft lot $226/sqft · 18% below area Est $375k · 18% under $408/mo HOA · 18% of rent

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Why this score? — see what drove the D- 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).

• ARV discount +15.0/15.0
• Appreciation +5.0/10.0
• Cash flow +4.8/30.0
• Schools +4.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• DSCR +0.0/10.0

Listing remarks

Welcome to this maintained 3 bedroom, 2 bath townhouse located in the desirable Northridge community at Camelback Mountain. This inviting home features vaulted ceilings and stone fireplace, creating the perfect cozy mountain retreat. Enjoy the convenience of central air and first floor bedroom, ideal for guest or easy living. Has a winter front view of the ski mountain, Residents has access to a brand New community heated inground pool, pickle ball/tennis/basketball courts. fitness center. Camelback is a four-season resort destination, offering skiing, hiking, snow tubing, water parks indoor and outdoor and more. Short-term rentals are permitted, making this an excellent opportunity for bo

Key facts

• Fitness center
• Pickle ball courts
• Tennis courts

Tags

• NORTHRIDGE COMMUNITY
• COMMUNITY HEATED INGROUND POOL
• PICKLE BALL COURTS
• TENNIS COURTS
• BASKETBALL COURTS
• FITNESS CENTER

Property features AI

Finance

• Other: Located in the Northridge Station subdivision; Directions: From Camelback Road into Northridge, follow Camelback Drive to the end, make left, follow to Hawthorne Court, make left to #187
• HOA & community: Homeowners association with amenities including security, clubhouse, fitness center, tennis courts, basketball court, and pool; Association fee charged annually (fee reported)

Exterior

• Parking: Open parking with 2 spaces
• Utilities: Private water; Private sewer; 200+ amp electric service
• Home design: Duplex; Residential / Single-family residence; Used for residential and investment purposes; One common wall
• Construction: Asphalt shingle roof
• Exterior features: Asphalt shingle roof

Interior

• Kitchen: Electric range; Dishwasher; Microwave
• Bedrooms: 6 total rooms (includes bedrooms and living spaces)
• Flooring: Carpet; Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central air conditioning; Baseboard heating (electric)
• Interior features: Furnished; Wood-burning fireplace in the living room; Crawl space basement
• Laundry & utility: Stacked washer/dryer; Laundry on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $309k.

Deal economics

• At list price, monthly cash flow is $-756 ($-9k/yr) — negative.
• To cash-flow at today's rent, offer at most $175k (43.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $226k (26.8% below list).
• Recommended offer: $175k (43.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 94 active listings in the ZIP; 4 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; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-53 appreciation (-0.0% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 10, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 51 days — a 3% lower offer ($300k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y 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

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,449 (43.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 43% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.73% ✗
• Cap rate: 3.36%
• Cash-on-cash: -10.49%
• DSCR: 0.53
• GRM: 11.4

CMA / ARV

• ARV (median comp): $374,888
• List price: $309,000
• Delta: -17.58%
• Verdict: UNDERPRICED
• Comps: 18 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
417 Hickory Dr	0.30mi	2/2.0 (-1)	1,391 (+2%)	9mo	$160,000	$115	71
13 Middle Village Way	0.52mi	3/1.5	1,350 (-1%)	4mo	$235,000	$174	68
487 Spruce Dr	0.37mi	3/2.0	1,432 (+5%)	9mo	$342,500	$239	67
254 High Pass Way	0.61mi	3/2.0	1,425 (+4%)	15mo	$399,900	$281	52
192 Sunbird Way	0.67mi	3/2.0	1,425 (+4%)	21mo	$273,500	$192	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.02% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -14.3%
• Equity multiple: 0.34×
• Total profit: $-57,154
• Equity at exit: $89,458

10-year hold

• IRR: -7.7%
• Equity multiple: 0.19×
• Total profit: $-70,356
• Equity at exit: $107,322

Cash invested: $86,520 (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 18372

• Home prices YoY: -0.0%
• Active inventory: 94
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,263 medium
• Mortgage (P&I): −$1,620
• Tax from tax record: −$386 /mo · $4,638/yr
• Insurance: −$129
• HOA: −$408
• Vacancy / Maint / Mgmt: −$475
• Net cashflow: $-756

Break-even live

Break-even rent $3,220

Max offer price $175,449

Occupancy floor —

Sensitivity live

Price	-10% $-581	-5% $-669	+0% $-756	+5% $-843	+10% $-931
Rent	-10% $-935	-5% $-845	+0% $-756	+5% $-667	+10% $-577
Rate	-1.0pp $-600	-0.5pp $-677	base $-756	+0.5pp $-836	+1.0pp $-918

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: $77,250
• Closing costs: $9,270
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
371 Linden Ct Tannersville, PA	3.0	2.0	1437	$2,250	$1.57	46d	1	0.13mi
221 Cross Country Ln Tannersville, PA	3.0	2.0	1425	$1,900	$1.33	45d	1	0.62mi
126 Snyder Ln Scotrun, PA	3.0	2.5	1854	$3,500	$1.89	45d	1	1.11mi
228 Evergreen Ct Tannersville, PA	3.0	2.0	1260	$2,000	$1.59	45d	1	1.40mi

HOA detail

• Monthly dues: $408 · $4,896/yr
• Likely covers: waterpoolgym

Listing history 31 events

1. 2026-06-21
   days on market $309,000 Active 51 DOM
2. 2026-06-19
   days on market $309,000 Active 49 DOM
3. 2026-06-18
   days on market $309,000 Active 48 DOM
4. 2026-06-17
   days on market $309,000 Active 47 DOM
5. 2026-06-16
   days on market $309,000 Active 46 DOM
6. 2026-06-15
   days on market $309,000 Active 45 DOM
7. 2026-06-14
   pricedays on market $309,000 Active 43 DOM
8. 2026-06-13
   days on market $310,000 Active 42 DOM
9. 2026-06-10
   days on market $310,000 Active 40 DOM
10. 2026-06-09
    days on market $310,000 Active 39 DOM
11. 2026-06-08
    days on market $310,000 Active 38 DOM
12. 2026-06-07
    days on market $310,000 Active 37 DOM
13. 2026-06-02
    days on market $310,000 Active 32 DOM
14. 2026-06-01
    days on market $310,000 Active 31 DOM
15. 2026-05-31
    days on market $310,000 Active 30 DOM
16. 2026-05-30
    days on market $310,000 Active 29 DOM
17. 2026-05-01
    listed $310,000 Active 794-char remark
18. 2025-09-21
    historical
19. 2025-06-05
    price $305,000
20. 2025-05-23
    price $319,900
21. 2025-03-17
    listed $329,000 Active
22. 2024-11-18
    price $369,000
23. 2023-06-29
    price $387,000
24. 2023-02-24
    price $369,000
25. 2023-01-02
    price $369,000
26. 2022-07-01
    listed $387,000 Active
27. 2022-06-29
    listed $387,000 Active
28. 2021-07-08
    soldstatus $270,000
29. 2021-06-10
    soldstatus $270,000
30. 2021-03-30
    listed $289,000
31. 2018-11-01
    listed $179,999

ⓘ 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: $4,638 · $386/mo
• Projected year-2 tax: $4,760 · $397/mo
• Expected delta: +$122/yr (+$10/mo · 2.6%)

ⓘ 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 5/10 Major
• 🌡 Heat 2/10 Low 8 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $27,154
• − Mortgage interest: −$17,309
• − Property taxes: −$4,638
• − Insurance: −$1,545
• − Repairs & maintenance: −$2,172
• − Management: −$2,172
• − HOA: −$4,896
• − Depreciation: −$8,989
• Taxable loss: −$14,567
• Est. tax savings @ 24.0%: +$3,496
• After-tax cash flow: $-5,576/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: Pocono Mountain SD
• NCES district ID: 4219500
• Math proficiency: 37% ▼ -5.00%
• Reading proficiency: 55% ▲ 1.00%
• Median HH income: $55,317
• Composite: 39.91/100
• National rank: #3856
• State rank: #245 of 539 in PA

Livability — Jackson

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 3,397

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 164,099 people
• By 2030: 161,412 · -1.6%
• By 2040: 154,616 · -5.8%
• By 2050: 146,710 · -10.6%
• By 2075: 140,830 · -14.2%
• By 2100: 138,472 · -15.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 60% Black 11% Hispanic / Latino 10% Two or more races 8% Asian 5%
• Hispanic origin (detail): Puerto Rican 9%
• Common ancestry: Romanian 7% Russian 3% Slovak 2%
• Foreign-born: 9% · Canada
• Languages at home: 78% English-only · Other Indo-European 12% Chinese 7% Spanish 3%

Political lean MEDSL · Monroe

• 2024 margin: Toss-up / Even · D 49.1% · R 49.9%
• 2008→2024 swing: -17.1pp toward R · 2008: 16.3pp · 2024: -0.8pp
• All cycles: 2024: R+0.8 2020: D+6.4 2016: D+0.3 2012: D+14.0 2008: D+16.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▬ -0.02%
• Current HPI: 147.7957
• 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

+71.7% since first listed

16 events — show timeline

• 2026-06-14 Price Changed $309,000 PMAR
• 2026-05-01 Listed $310,000 PMAR
• 2025-09-21 Delisted — PMAR
• 2025-06-05 Price Changed $305,000 PMAR
• 2025-05-23 Price Changed $319,900 PMAR
• 2025-03-17 Listed $329,000 PMAR
• 2024-11-18 Price Changed $369,000 PMAR
• 2023-06-29 Price Changed $387,000 PMAR
• 2023-02-24 Price Changed $369,000 PMAR
• 2023-01-02 Price Changed $369,000 PWMLS
• 2022-07-01 Listed $387,000 PMAR
• 2022-06-29 Listed $387,000 PWMLS
• 2021-07-08 Sold (Public Records) $270,000 Public Records
• 2021-06-10 Sold (MLS) $270,000 PMAR
• 2021-03-30 Listed $289,000 PMAR
• 2018-11-01 Listed $179,999 PMAR

Property tax history

-1.5%/yr

Latest (2026): $4,638 · +3.4% YoY. Source: county tax records.