1100 Indian Dr · Wallenpaupack Lake Estates, PA 18436

$379,900

4 bd · 3.0 ba · 2,392 sqft · SingleFamily public records · 12 Days on market

Built 1988 0.29 ac lot Est $447k · 15% under $197/mo HOA · 8% 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 +14.3/15.0
• Appreciation +10.0/10.0
• Cash flow +6.5/30.0
• Schools +4.2/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.8/10.0
• DSCR +0.8/10.0

Listing remarks

This is the kind of home that just makes sense--fully furnished, move-in ready, and set up to give you the space and flexibility you didn't realize you needed. Located in Wallenpaupack Lake Estates, this home offers a rare combination of comfort, functionality, and convenience. Whether you're looking for a primary residence, weekend retreat, or a home that easily accommodates guests, this layout is designed to adapt to your lifestyle. The lower level provides its own separate living space with direct access through the 1.5-car garage. A spacious family room with an electric fireplace creates a comfortable setting, along with a bedroom, full bathroom, and laundry area. With room to incorpora

Key facts

• Direct access
• Move in ready
• Electric fireplace

Tags

• FULLY FURNISHED
• MOVE IN READY
• SEPARATE LIVING SPACE
• DIRECT ACCESS
• ELECTRIC FIREPLACE
• LG STAINLESS STEEL APPLIANCES

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $380k.

Deal economics

• At list price, monthly cash flow is $-646 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $266k (30.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $257k (32.5% below list).
• Recommended offer: $257k (32.5% below list) — sets the bar for 1% rule.
• Cap rate 4.3% vs local median 2.4% in Wallenpaupack Lake Estates — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#896 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, employment A; Watch: schools D+, amenities F, commute F.
• Wallenpaupack Area SD (rural): math 39% / reading 59% proficiency, ranked #192 of 539 in PA (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 337 active listings in the ZIP; 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $41k of equity ($3k loan paydown + $38k appreciation (10.0% local appreciation)).
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$65k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts 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.
• Current owner paid $145k; list at $380k implies a 162% gain — meaningful room to come down on a strong offer.

Recommended offer $256,508 (32.5% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.68% ✗
• Cap rate: 4.25%
• Cash-on-cash: -7.29%
• DSCR: 0.68
• GRM: 12.3

CMA / ARV

• ARV (on-the-fly): $447,304
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1100 Indian Dr	0.00mi	4/3.0	2,268 (-5%)	1mo	$370,000	$163	90
1040 Indian Dr	0.26mi	3/2.5 (-1)	2,434 (+2%)	11mo	$340,000	$140	69
1031 Tomahawk Rd	0.16mi	4/2.0	2,126 (-11%)	2mo	$410,000	$193	68
1114 Commanche Cir	0.34mi	3/2.0 (-1)	2,272 (-5%)	3mo	$299,000	$132	64
119 Harmony Dr	0.67mi	4/3.5	2,424 (+1%)	4mo	$374,000	$154	61
1071 Red Hawk Dr	0.51mi	3/2.5 (-1)	2,269 (-5%)	1mo	$440,000	$194	60
1010 Redlawn Ln	0.21mi	4/2.5	2,066 (-14%)	7mo	$395,000	$191	60
1013 Tomahawk Rd	0.21mi	3/2.5 (-1)	2,124 (-11%)	8mo	$405,000	$191	58
1008 Cedar Dr	0.46mi	5/3.5 (+1)	2,653 (+11%)	0mo	$260,000	$98	53
1008 Blue Spruce Ln	0.37mi	4/2.5	2,040 (-15%)	6mo	$420,000	$206	52
1014 Sundew Rd	0.67mi	4/2.5	2,060 (-14%)	10mo	$386,000	$187	36
1071 Deer Valley Rd	0.72mi	3/2.0 (-1)	2,198 (-8%)	13mo	$312,500	$142	33

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

Projected returns pro-forma

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

5-year hold

• IRR: 19.1%
• Equity multiple: 2.56×
• Total profit: $165,830
• Equity at exit: $342,244

10-year hold

• IRR: 17.7%
• Equity multiple: 5.90×
• Total profit: $520,829
• Equity at exit: $738,062

Cash invested: $106,372 (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 18436

• Home prices YoY: 16.9%
• Active inventory: 337
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $2,565 medium
• Mortgage (P&I): −$1,992
• Tax from tax record: −$325 /mo · $3,898/yr
• Insurance: −$158
• HOA: −$197
• Vacancy / Maint / Mgmt: −$539
• Net cashflow: $-646

Break-even live

Break-even rent $3,383

Max offer price $265,788

Occupancy floor —

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: $94,975
• Closing costs: $11,397
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $197 · $2,364/yr
• Likely covers: electric

Listing history 10 events

1. 2026-04-27
   status Pending
2. 2026-04-15
   listed $379,900 Active
3. 2025-10-20
   historical
4. 2025-09-18
   price $395,000
5. 2025-09-18
   price $395,000
6. 2025-06-26
   listed $419,000 Active
7. 2025-06-23
   listed $419,000 Active
8. 2025-06-22
   historical
9. 2002-03-18
   soldstatus $145,000
10. 1999-05-26
    soldstatus $115,000

ⓘ 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: $3,898 · $325/mo
• Projected year-2 tax: $4,950 · $413/mo
• Expected delta: +$1,052/yr (+$88/mo · 27.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% 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: $30,781
• − Mortgage interest: −$21,280
• − Property taxes: −$3,898
• − Insurance: −$1,900
• − Repairs & maintenance: −$2,462
• − Management: −$2,462
• − HOA: −$2,364
• − Depreciation: −$11,052
• Taxable loss: −$14,638
• Est. tax savings @ 24.0%: +$3,513
• After-tax cash flow: $-4,239/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: Wallenpaupack Area SD
• NCES district ID: 4224750
• Math proficiency: 39% ▼ -10.00%
• Reading proficiency: 59% ▼ -5.00%
• Median HH income: $51,027
• Composite: 41.97/100
• National rank: #3345
• State rank: #192 of 539 in PA

Livability — Wallenpaupack Lake Estates

• Score: 68/100
• State rank: #896
• US rank: #9541

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wallenpaupack Lake Estates, PA
• Population (ZIP): 13,225

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 47,924 people
• By 2030: 46,191 · -3.6%
• By 2040: 42,815 · -10.7%
• By 2050: 39,873 · -16.8%
• By 2075: 34,556 · -27.9%
• By 2100: 28,358 · -40.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Scotch-Irish 2% Iranian 2%
• Foreign-born: 4%
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Russian/Polish/Slavic 1% Spanish 1%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+37.1) · D 31.1% · R 68.2%
• 2008→2024 swing: -24.8pp toward R · 2008: -12.3pp · 2024: -37.1pp
• All cycles: 2024: R+37.1 2020: R+33.6 2016: R+39.7 2012: R+20.9 2008: R+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 47.95%
• Current HPI: 331.9645
• 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

+230.3% since first listed

10 events — show timeline

• 2026-04-27 Pending — PWMLS
• 2026-04-15 Listed $379,900 PWMLS
• 2025-10-20 Listing Removed — BRIGHT MLS
• 2025-09-18 Price Changed $395,000 BRIGHT MLS
• 2025-09-18 Price Changed $395,000 PWMLS
• 2025-06-26 Listed $419,000 BRIGHT MLS
• 2025-06-23 Listed $419,000 PWMLS
• 2025-06-22 Coming Soon — BRIGHT MLS
• 2002-03-18 Sold (Public Records) $145,000 Public Records
• 1999-05-26 Sold (Public Records) $115,000 Public Records

Property tax history

+3.5%/yr

Latest (2026): $3,898 · +17.1% YoY. Source: county tax records.