4125 Sycamore Ln · Penn Estates, PA 18301

$274,900

3 bd · 1.5 ba · 1,248 sqft · SingleFamily public records · 14 Days on market

Built 1982 0.47 ac lot $122/mo HOA · 5% 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).

• Cash flow +11.2/30.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• 1% rule +3.4/10.0
• Livability +3.4/5.0
• DSCR +3.3/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3 bedroom retreat, easily commutable and minutes to I-80 & Route 33. Only 90 miles from NYC. All major Pocono attractions are nearby: Camelback, Shawnee ski & waterparks, Mount Airy Casino, the Crossing Shopping Outlet etc. Enjoy the privacy and tranquility offered by award-winning Penn Estates community. You will love the natural light in this adorable Chalet through windows and sliders. Enjoy family get together on the 36x10 ft. deck or outdoor meals on the screened-in porch. Check out the Wood floors in the living room, and custom stone fireplace. Home also features central air, duel heating, ceiling wine rack, plus a private master suite upstairs with full bath, walk-in closet, and loft. Don't wait, put an offer in today!

Key facts

• Gated community
• Screened in porch
• Lovely backyard

Tags

• LOVELY BACKYARD
• WRAP AROUND DECK
• SCREENED IN PORCH
• BRAND NEW MINISPLIT SYSTEM
• GATED COMMUNITY
• 24 HOUR SECURITY

Property features AI

Finance

• HOA & community: Homeowners association with annual fee (trash included); Community amenities: security, gated community, meeting room, tennis courts, pool

Exterior

• Parking: Open parking (2 spaces); Driveway, off-street parking, on-site parking
• Utilities: Public water; Public sewer; 200+ amp electrical service; Cable connected
• Home design: Single-family house; Residential property
• Construction: Concrete perimeter foundation
• Exterior features: Gas grill; Porch; Deck; Asphalt roof; Paved road access; Private maintained road; Private road frontage; Lot is approximately 0.47 acres; No common walls

Interior

• Kitchen: Electric range; Refrigerator; Dishwasher
• Bedrooms: Total rooms: 7
• Flooring: Laminate; Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Ductless heating and cooling; Electric heating
• Interior features: Eat-in kitchen with island; Double-pane windows; Living room fireplace
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $-105 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $256k (6.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $232k (15.6% below list).
• Recommended offer: $232k (15.6% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 3.8% in Penn 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 (#915 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: health & safety D, schools D-, amenities F.
• Stroudsburg Area SD (suburban): math 33% / reading 49% proficiency, ranked #315 of 539 in PA (top 58%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+10.4%/yr); 196 active listings in the ZIP; solid renter incomes; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).
• This rent runs 31% of the median local income ($91k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 13y 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 $94k; list at $275k implies a 191% gain — meaningful room to come down on a strong offer.

Recommended offer $232,076 (15.6% 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: 0.84% ✗
• Cap rate: 5.84%
• Cash-on-cash: -1.63%
• DSCR: 0.93
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -13.4%
• Equity multiple: 0.49×
• Total profit: $-38,883
• Equity at exit: $40,988

10-year hold

• IRR: 2.0%
• Equity multiple: 1.18×
• Total profit: $13,624
• Equity at exit: $23,768

Cash invested: $76,972 (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 18301

• Rents YoY: 10.4%
• Active inventory: 196
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,321 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$260 /mo · $3,118/yr
• Insurance: −$115
• HOA: −$122
• Vacancy / Maint / Mgmt: −$487
• Net cashflow: $-105

Break-even live

Break-even rent $2,453

Max offer price $256,426

Occupancy floor 100%

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: $68,725
• Closing costs: $8,247
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $122 · $1,464/yr
• Likely covers: water

Listing history 20 events

1. 2026-06-13
   statusdays on market $274,900 Pending 14 DOM
2. 2026-06-10
   days on market $274,900 Active 12 DOM
3. 2026-06-09
   days on market $274,900 Active 11 DOM
4. 2026-06-08
   days on market $274,900 Active 10 DOM
5. 2026-06-07
   days on market $274,900 Active 9 DOM
6. 2026-06-05
   days on market $274,900 Active 6 DOM
7. 2026-06-03
   days on market $274,900 Active 5 DOM
8. 2026-06-02
   days on market $274,900 Active 4 DOM
9. 2026-06-01
   days on market $274,900 Active 3 DOM
10. 2026-05-31
    days on market $274,900 Active 2 DOM
11. 2026-05-29
    listed $274,900 Active
12. 2017-06-13
    soldstatus $94,500 756-char remark

    Show marketing remark (756 chars)

    Charming 3 bedroom retreat, easily commutable and minutes to I-80 & Route 33. Only 90 miles from NYC. All major Pocono attractions are nearby: Camelback, Shawnee ski & waterparks, Mount Airy Casino, the Crossing Shopping Outlet etc. Enjoy the privacy and tranquility offered by award-winning Penn Estates community. You will love the natural light in this adorable Chalet through windows and sliders. Enjoy family get together on the 36x10 ft. deck or outdoor meals on the screened-in porch. Check out the Wood floors in the living room, and custom stone fireplace. Home also features central air, duel heating, ceiling wine rack, plus a private master suite upstairs with full bath, walk-in closet, and loft. Don't wait, put an offer in today!

13. 2017-06-13
    soldstatus $94,500

    Show marketing remark (756 chars)

    Charming 3 bedroom retreat, easily commutable and minutes to I-80 & Route 33. Only 90 miles from NYC. All major Pocono attractions are nearby: Camelback, Shawnee ski & waterparks, Mount Airy Casino, the Crossing Shopping Outlet etc. Enjoy the privacy and tranquility offered by award-winning Penn Estates community. You will love the natural light in this adorable Chalet through windows and sliders. Enjoy family get together on the 36x10 ft. deck or outdoor meals on the screened-in porch. Check out the Wood floors in the living room, and custom stone fireplace. Home also features central air, duel heating, ceiling wine rack, plus a private master suite upstairs with full bath, walk-in closet, and loft. Don't wait, put an offer in today!

14. 2017-02-26
    listed $92,300 756-char remark

    Show marketing remark (756 chars)

    Charming 3 bedroom retreat, easily commutable and minutes to I-80 & Route 33. Only 90 miles from NYC. All major Pocono attractions are nearby: Camelback, Shawnee ski & waterparks, Mount Airy Casino, the Crossing Shopping Outlet etc. Enjoy the privacy and tranquility offered by award-winning Penn Estates community. You will love the natural light in this adorable Chalet through windows and sliders. Enjoy family get together on the 36x10 ft. deck or outdoor meals on the screened-in porch. Check out the Wood floors in the living room, and custom stone fireplace. Home also features central air, duel heating, ceiling wine rack, plus a private master suite upstairs with full bath, walk-in closet, and loft. Don't wait, put an offer in today!

15. 2016-01-08
    listed $89,999
16. 2014-10-06
    soldstatus $59,900
17. 2014-10-06
    soldstatus $59,900
18. 2013-11-04
    listed $64,900
19. 2005-10-07
    soldstatus $164,900
20. 2004-06-18
    soldstatus $154,500

ⓘ 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: $3,118 · $260/mo
• Projected year-2 tax: $3,731 · $311/mo
• Expected delta: +$613/yr (+$51/mo · 19.7%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $27,849
• − Mortgage interest: −$15,399
• − Property taxes: −$3,118
• − Insurance: −$1,374
• − Repairs & maintenance: −$2,228
• − Management: −$2,228
• − HOA: −$1,464
• − Depreciation: −$7,997
• Taxable loss: −$5,959
• Est. tax savings @ 24.0%: +$1,430
• After-tax cash flow: $175/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: Stroudsburg Area SD
• NCES district ID: 4222860
• Math proficiency: 33% ▼ -10.00%
• Reading proficiency: 49% ▼ -15.00%
• Median HH income: $59,061
• Composite: 36.13/100
• National rank: #4747
• State rank: #315 of 539 in PA

Livability — Penn Estates

• Score: 68/100
• State rank: #915
• US rank: #9917

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Penn Estates, PA
• County: Monroe County · 59,057 people
• Metro: East Stroudsburg, PA
• Population (ZIP): 28,977
• Household income: $90,522
• Rent vs Own: 26.0% rent · 74.0% own
• Severe rent burden: 672.0

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 0.64)
• Race & ethnicity: White 53% Black 21% Hispanic / Latino 18% Two or more races 10% Asian 2%
• Hispanic origin (detail): Puerto Rican 8% Dominican 3%
• Common ancestry: Romanian 6% Lithuanian 3% Portuguese 1%
• Foreign-born: 12% · Canada, China, Jamaica
• Languages at home: 82% English-only · Spanish 9% Russian/Polish/Slavic 2% Other Indo-European 2%

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: ▼ -109.90%
• Current HPI: 154.4762
• Rent YoY: ▲ 10.44%
• Metro: East Stroudsburg, PA
• 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

+77.9% since first listed

10 events — show timeline

• 2026-05-29 Listed $274,900 PMAR
• 2017-06-13 Sold (Public Records) $94,500 Public Records
• 2017-06-13 Sold (MLS) $94,500 PMAR
• 2017-02-26 Listed $92,300 PMAR
• 2016-01-08 Listed $89,999 PMAR
• 2014-10-06 Sold (Public Records) $59,900 Public Records
• 2014-10-06 Sold (MLS) $59,900 PMAR
• 2013-11-04 Listed $64,900 PMAR
• 2005-10-07 Sold (Public Records) $164,900 Public Records
• 2004-06-18 Sold (Public Records) $154,500 Public Records

Property tax history

-3.7%/yr

Latest (2026): $3,118 · -0.0% YoY. Source: county tax records.