101 Cardinal Cir · Lake Wallenpaupack Estates, PA 18426

$305,000

3 bd · 1.5 ba · 1,708 sqft · SingleFamily public records · 26 Days on market

Built 1993 Est $285k · 7% 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).

• Cash flow +10.9/30.0
• Appreciation +6.6/10.0
• ARV discount +4.4/15.0
• Schools +4.2/10.0
• DSCR +3.2/10.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

Key facts

• Open floor plan
• Master bath
• Extra family room

Tags

• WALK IN MASTER CLOSET
• MASTER BATH
• OPEN FLOOR PLAN
• EXTRA FAMILY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $305k.

Deal economics

• At list price, monthly cash flow is $-132 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $282k (7.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (24.6% below list).
• Recommended offer: $230k (24.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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.
• Zoned schools: Wallenpaupack South El Sch (math 47% / reading 52%, grade D, #654 of 1,518 statewide, top 47%, 255 students, 72% FRL); Wallenpaupack Area Ms (math 23% / reading 57%, grade F, #257 of 512 statewide, top 52%, 644 students, 59% FRL); Wallenpaupack Area Hs (math 74% / reading 67%, grade B+, #48 of 437 statewide, top 11%, 990 students, 62% FRL) — zoned schools average 64% FRL vs 44% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 145 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($2k loan paydown + $10k appreciation (3.2% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 4, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($300k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 10y 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 $235k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $230,000 (24.6% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.75% ✗
• Cap rate: 5.77%
• Cash-on-cash: -1.85%
• DSCR: 0.92
• GRM: 11.1

CMA / ARV

• ARV (on-the-fly): $285,236
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
142 Fawnwood Cir	0.17mi	3/2.0	1,620 (-5%)	9mo	$285,625	$176	74
50 Bear Rock Rd	0.63mi	3/1.0	1,640 (-4%)	5mo	$190,000	$116	58
74 Orion Way	0.72mi	3/2.0	1,920 (+12%)	15mo	$320,000	$167	31

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

Projected returns pro-forma

3.25% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.5%
• Equity multiple: 1.38×
• Total profit: $32,359
• Equity at exit: $141,483

10-year hold

• IRR: 9.2%
• Equity multiple: 2.43×
• Total profit: $121,922
• Equity at exit: $221,478

Cash invested: $85,400 (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 18426

• Home prices YoY: 1.4%
• Active inventory: 145
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,300 medium
• Mortgage (P&I): −$1,599
• Tax from tax record: −$222 /mo · $2,668/yr
• Insurance: −$127
• HOA: −$0
• Vacancy / Maint / Mgmt: −$483
• Net cashflow: $-132

Break-even live

Break-even rent $2,467

Max offer price $281,700

Occupancy floor —

Sensitivity live

Price	-10% $41	-5% $-46	+0% $-132	+5% $-218	+10% $-305
Rent	-10% $-314	-5% $-223	+0% $-132	+5% $-41	+10% $50
Rate	-1.0pp $22	-0.5pp $-54	base $-132	+0.5pp $-211	+1.0pp $-291

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: $76,250
• Closing costs: $9,150
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12 Dogwood Ln Lake Ariel, PA	3.0	2.0	1832	$2,300	$1.26	15d	1	0.66mi

Listing history 38 events

1. 2026-06-21
   days on market $305,000 Active 26 DOM
2. 2026-06-18
   days on market $305,000 Active 23 DOM
3. 2026-06-17
   days on market $305,000 Active 22 DOM
4. 2026-06-16
   days on market $305,000 Active 21 DOM
5. 2026-06-15
   days on market $305,000 Active 20 DOM
6. 2026-06-13
   days on market $305,000 Active 18 DOM
7. 2026-06-13
   days on market $305,000 Active 17 DOM
8. 2026-06-09
   days on market $305,000 Active 14 DOM
9. 2026-06-08
   days on market $305,000 Active 13 DOM
10. 2026-06-07
    days on market $305,000 Active 12 DOM
11. 2026-06-04
    days on market $305,000 Active 9 DOM
12. 2026-06-03
    days on market $305,000 Active 8 DOM
13. 2026-06-02
    days on market $305,000 Active 7 DOM
14. 2026-06-01
    days on market $305,000 Active 6 DOM
15. 2026-05-31
    days on market $305,000 Active 5 DOM
16. 2026-05-26
    listed $305,000 Active
17. 2023-03-20
    soldstatus $235,000
18. 2023-03-19
    status Pending 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

19. 2023-03-15
    soldstatus $235,000 Closed 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

20. 2023-03-15
    soldstatus $235,000 Closed 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

21. 2023-03-15
    soldstatus $235,000

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

22. 2023-01-23
    status Pending 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

23. 2022-12-13
    price $259,000 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

24. 2022-12-06
    status Active 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

25. 2022-11-29
    status Pending 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

26. 2022-10-28
    price $263,000 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

27. 2022-10-06
    price $264,000 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

28. 2022-06-01
    listed $265,000 Active 521-char remark

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

29. 2022-06-01
    listed $259,000

    Show marketing remark (521 chars)

    Move in ready!! Come check out this totally remodeled 3 bedroom, 3 bath Ultra Modern Kitchen and baths. Roof was newly done in 2018, new doors, windows, siding, new hot water heater also installed in 2018. The family will love the community of Lake Wallenpaupack Estates and all it has to offer. A large club house for entertaining, indoor pool, tennis courts and also offers access to beautiful Lake Wallenpaupack. * * Detached garage at the top of driveway belongs to neighbors Come take a look before its gone.

30. 2018-09-04
    soldstatus $179,900
31. 2018-08-30
    soldstatus $179,900
32. 2018-08-30
    soldstatus $179,900
33. 2018-07-16
    listed $189,000
34. 2018-07-16
    listed $189,000
35. 2017-09-05
    soldstatus $47,400
36. 2017-08-31
    soldstatus $47,400
37. 2017-04-13
    listed $51,600
38. 2016-06-06
    listed $84,900

ⓘ 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: $2,668 · $222/mo
• Projected year-2 tax: $3,744 · $312/mo
• Expected delta: +$1,075/yr (+$90/mo · 40.3%)

ⓘ 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 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 16 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: $27,600
• − Mortgage interest: −$17,085
• − Property taxes: −$2,668
• − Insurance: −$1,525
• − Repairs & maintenance: −$2,208
• − Management: −$2,208
• − Depreciation: −$8,873
• Taxable loss: −$6,967
• Est. tax savings @ 24.0%: +$1,672
• After-tax cash flow: $89/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 — Lake Wallenpaupack Estates

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

Census & demographics

• Census place: Lake Wallenpaupack Estates, PA
• Population (ZIP): 3,426

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Two or more races 12% Hispanic / Latino 11% Asian 3% Black 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 3% Dominican 6%
• Common ancestry: Romanian 12% Italian 2% Slovak 2%
• Foreign-born: 4%
• Languages at home: 89% English-only · Spanish 4% Tagalog/Filipino 2% French/Haitian/Cajun 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.25%
• Current HPI: 236.763
• 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

+259.2% since first listed

23 events — show timeline

• 2026-05-26 Listed $305,000 FSBO.com
• 2023-03-20 Sold (Public Records) $235,000 Public Records
• 2023-03-19 Pending — PWMLS
• 2023-03-15 Sold (MLS) $235,000 PWMLS
• 2023-03-15 Sold (MLS) $235,000 PWMLS
• 2023-03-15 Sold (MLS) $235,000 PWMLS
• 2023-01-23 Pending — PWMLS
• 2022-12-13 Price Changed $259,000 PWMLS
• 2022-12-06 Relisted — PWMLS
• 2022-11-29 Pending — PWMLS
• 2022-10-28 Price Changed $263,000 PWMLS
• 2022-10-06 Price Changed $264,000 PWMLS
• 2022-06-01 Listed $259,000 PWMLS
• 2022-06-01 Listed $265,000 PWMLS
• 2018-09-04 Sold (Public Records) $179,900 Public Records
• 2018-08-30 Sold (MLS) $179,900 PWMLS
• 2018-08-30 Sold (MLS) $179,900 PWMLS
• 2018-07-16 Listed $189,000 PWMLS
• 2018-07-16 Listed $189,000 PWMLS
• 2017-09-05 Sold (Public Records) $47,400 Public Records
• 2017-08-31 Sold (MLS) $47,400 PWMLS
• 2017-04-13 Listed $51,600 PWMLS
• 2016-06-06 Listed $84,900 GSBR as distributed by MLS GRID

Property tax history

+0.9%/yr

Latest (2026): $2,668 · +3.0% YoY. Source: county tax records.