5 Cardinal Dr · Big Bass Lake, PA 18424

$399,000

3 bd · 2.0 ba · 1,930 sqft · SingleFamily · 7 Days on market

Built 2000 1.70 ac lot Est $357k · 12% over

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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).

• Appreciation +9.2/10.0
• Cash flow +7.2/30.0
• Schools +5.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.2/15.0
• 1% rule +2.0/10.0
• DSCR +1.4/10.0

Listing remarks MLS

With a new Roof in 2023, this 3 bedroom 2 bath Ranch home comes complete with a 2 car garage, nestled nicely on a 1.7 acre landscaped parcel allowing room for privacy. This home showcases Cathedral ceilings in both the Living and Formal Dining Room areas, with a Propane See Through Fireplace, each side giving its own personal appeal. Oversized Primary en-suite includes a walk-in closet, attached bath with shower and relaxation tub. Hardwood and Tile Floor with newer Light Fixtures throughout, and new toilets and sinks in bathrooms. The Laundry Room is conveniently located off both the kitchen/dining area along with the entrance from/to the 2 Car Garage. Perfect storage area may be found within the stand-up Crawl Space. Don't delay, make your appointment today!

Key facts

• Walk-in closet
• Laundry room
• Cathedral ceilings

Tags

• NEW ROOF
• CATHEDRAL CEILINGS
• PROPANE SEE THROUGH FIREPLACE
• OVERSIZED PRIMARY EN-SUITE
• WALK-IN CLOSET
• LAUNDRY ROOM

Property features AI

Finance

• HOA & community: Community amenities include clubhouse, tennis courts, pool, playground, lake, fishing, fitness center; gated community

Exterior

• Parking: Detached garage available; 2 garage spaces; Off-street parking
• Security: Security system
• Utilities: Well water; Septic tank; Electricity with circuit breakers; Water connected; Sewer connected; Propane available
• Home design: Single family residence; Residential property; Built in 2000 (estimated)
• Construction: Vinyl siding; Block foundation; Shingle roof; Year built: 2000 (estimated)
• Exterior features: Private yard; Deck; Front porch; Community pool; Clubhouse, tennis courts, playground, lake access, fishing, fitness center, gated community

Interior

• Kitchen: Eat-in kitchen; Tile floor in kitchen; Range; Dishwasher; Microwave; Refrigerator
• Bedrooms: 3 bedrooms total; Primary bedroom with walk-in closet and ceiling fan; Bedroom 2 with hardwood floor; Bedroom 3 with hardwood floor
• Flooring: Hardwood floors; Ceramic tile floors
• Bathrooms: 2 full bathrooms; Primary bathroom with jacuzzi jet tub and shower, tile floor; Secondary bathroom with ceramic tile floor
• Heating & cooling: Baseboard heating; Hot water heating; Oil and propane fuel sources; Fireplace heating option (propane); Ceiling fans for cooling
• Interior features: Cathedral ceilings; Walk-in closet(s); Radon mitigation system; Drywall; Eat-in kitchen; Ceiling fan(s); Security system; Has fireplace (stone, see-through, propane) serving living and dining areas
• Laundry & utility: Main level laundry room; Washer; Dryer; Dehumidifier

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $399k.

Deal economics

• At list price, monthly cash flow is $-545 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $320k (19.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $280k (29.8% below list).
• Recommended offer: $280k (29.8% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 3.6% in Big Bass Lake — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 70/100 on livability (#763 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B+; Watch: amenities F, commute F, health & safety F.
• North Pocono SD (rural): math 45% / reading 71% proficiency, ranked #82 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Moscow El Sch (math 62% / reading 82%, grade A-, #123 of 1,518 statewide, top 9%, 591 students, 43% FRL); North Pocono Ms (math 25% / reading 69%, grade D+, #163 of 512 statewide, top 33%, 665 students, 36% FRL); North Pocono Hs (math 72%, 905 students, 33% FRL).
• Market conditions: 301 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 251 units permitted in Lackawanna County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $36k of equity ($3k loan paydown + $34k appreciation (8.4% local appreciation)).
• Lackawanna County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 9y 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.
• Current owner paid $209k; list at $399k implies a 91% gain — meaningful room to come down on a strong offer.

Recommended offer $280,000 (29.8% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.70% ✗
• Cap rate: 4.65%
• Cash-on-cash: -5.86%
• DSCR: 0.74
• GRM: 11.9

CMA / ARV

• ARV (on-the-fly): $357,050
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
132 Cardinal Dr Unit S2205	0.36mi	4/3.0 (+1)	1,943 (+1%)	2mo	$335,000	$172	71
9 Sheffick Dr	0.32mi	3/3.0	1,956 (+1%)	10mo	$383,000	$196	71
73 Big Bass Dr Unit B344	0.50mi	3/2.0	1,780 (-8%)	9mo	$345,000	$194	56
78 Sheffick Dr	0.46mi	4/3.0 (+1)	1,780 (-8%)	5mo	$330,000	$185	53
122 Big Bass Dr	0.70mi	3/2.0	1,739 (-10%)	3mo	$307,000	$177	48
141 Big Bass Dr Unit C510	0.69mi	3/2.0	1,640 (-15%)	1mo	$230,000	$140	42

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

Projected returns pro-forma

8.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 16.7%
• Equity multiple: 2.27×
• Total profit: $141,361
• Equity at exit: $315,568

10-year hold

• IRR: 16.0%
• Equity multiple: 4.91×
• Total profit: $436,831
• Equity at exit: $638,647

Cash invested: $111,720 (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 18424

• Home prices YoY: 2.2%
• Active inventory: 301
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $2,800 medium
• Mortgage (P&I): −$2,092
• Tax est. 1.5%: −$499 /mo · $5,985/yr
• Insurance: −$166
• HOA: −$0
• Vacancy / Maint / Mgmt: −$588
• Net cashflow: $-545

Break-even live

Break-even rent $3,490

Max offer price $320,080

Occupancy floor —

Sensitivity live

Price	-10% $-270	-5% $-408	+0% $-545	+5% $-683	+10% $-821
Rent	-10% $-767	-5% $-656	+0% $-545	+5% $-435	+10% $-324
Rate	-1.0pp $-344	-0.5pp $-444	base $-545	+0.5pp $-649	+1.0pp $-754

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: $99,750
• Closing costs: $11,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1543 Coolbaugh Rd Gouldsboro, PA	3.0	2.0	2035	$2,800	$1.38	45d	1	1.44mi

Listing history 7 events

1. 2026-05-17
   listed $399,000 Active 770-char remark

   Show marketing remark (770 chars)

   With a new Roof in 2023, this 3 bedroom 2 bath Ranch home comes complete with a 2 car garage, nestled nicely on a 1.7 acre landscaped parcel allowing room for privacy. This home showcases Cathedral ceilings in both the Living and Formal Dining Room areas, with a Propane See Through Fireplace, each side giving its own personal appeal. Oversized Primary en-suite includes a walk-in closet, attached bath with shower and relaxation tub. Hardwood and Tile Floor with newer Light Fixtures throughout, and new toilets and sinks in bathrooms. The Laundry Room is conveniently located off both the kitchen/dining area along with the entrance from/to the 2 Car Garage. Perfect storage area may be found within the stand-up Crawl Space. Don't delay, make your appointment today!

2. 2026-05-17
   listed $399,000 Active

   Show marketing remark (770 chars)

   With a new Roof in 2023, this 3 bedroom 2 bath Ranch home comes complete with a 2 car garage, nestled nicely on a 1.7 acre landscaped parcel allowing room for privacy. This home showcases Cathedral ceilings in both the Living and Formal Dining Room areas, with a Propane See Through Fireplace, each side giving its own personal appeal. Oversized Primary en-suite includes a walk-in closet, attached bath with shower and relaxation tub. Hardwood and Tile Floor with newer Light Fixtures throughout, and new toilets and sinks in bathrooms. The Laundry Room is conveniently located off both the kitchen/dining area along with the entrance from/to the 2 Car Garage. Perfect storage area may be found within the stand-up Crawl Space. Don't delay, make your appointment today!

3. 2019-05-31
   soldstatus $209,000
4. 2019-05-31
   soldstatus $209,000
5. 2018-12-10
   listed $219,000
6. 2018-03-15
   listed $229,000
7. 2017-08-15
   listed $295,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥88°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% 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: $33,600
• − Mortgage interest: −$22,350
• − Property taxes: −$5,985
• − Insurance: −$1,995
• − Repairs & maintenance: −$2,688
• − Management: −$2,688
• − Depreciation: −$11,607
• Taxable loss: −$13,713
• Est. tax savings @ 24.0%: +$3,291
• After-tax cash flow: $-3,254/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: North Pocono SD
• NCES district ID: 4217310
• Math proficiency: 45% ▼ -9.00%
• Reading proficiency: 71% ▼ -2.00%
• Median HH income: $59,555
• Composite: 50.23/100
• National rank: #1894
• State rank: #82 of 539 in PA

Livability — Big Bass Lake

• Score: 70/100
• State rank: #763
• US rank: #7622

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Big Bass Lake, PA
• Population (ZIP): 5,076

Population outlook (Lackawanna County) Hauer SSP2

• Today (2025): 210,652 people
• By 2030: 208,623 · -1.0%
• By 2040: 203,980 · -3.2%
• By 2050: 201,069 · -4.5%
• By 2075: 205,026 · -2.7%
• By 2100: 210,851 · +0.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 6% Hispanic / Latino 5% Black 1%
• Hispanic origin (detail): Puerto Rican 2% Dominican 1% Salvadoran 1%
• Common ancestry: Romanian 11% Iranian 6% Scotch-Irish 3%
• Foreign-born: 3% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Lackawanna

• 2024 margin: Toss-up / Even · D 51.0% · R 48.3%
• 2008→2024 swing: -23.2pp toward R · 2008: 26.0pp · 2024: 2.8pp
• All cycles: 2024: D+2.8 2020: D+8.4 2016: D+3.4 2012: D+27.4 2008: D+26.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.45%
• Current HPI: 399.903
• 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

+35.3% since first listed

7 events — show timeline

• 2026-05-17 Listed $399,000 PMAR
• 2026-05-17 Listed $399,000 GSBR as distributed by MLS GRID
• 2019-05-31 Sold (MLS) $209,000 PMAR
• 2019-05-31 Sold (MLS) $209,000 GSBR as distributed by MLS GRID
• 2018-12-10 Listed $219,000 PMAR
• 2018-03-15 Listed $229,000 PMAR
• 2017-08-15 Listed $295,000 PMAR