4341 Pine Ridge Dr · Pine Ridge, PA 18324

$239,990

3 bd · 2.0 ba · 1,604 sqft · SingleFamily public records · 16 Days on market

Built 1987 0.51 ac lot Est $274k · 13% under $67/mo HOA · 3% of rent

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Why this score? — see what drove the C- 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 +13.1/15.0
• Cash flow +12.5/30.0
• Appreciation +6.8/10.0
• 1% rule +4.6/10.0
• DSCR +3.7/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Remodeled Ranch Home located minutes from Bushkill Falls and Shawnee. The home showcases vaulted ceilings, bright picture windows and an open floor plan. Freshly painted and New flooring throughout. The home consists of a master suite with a walk in closet and private full bathroom. The other 2 bedrooms are set on the opposite side of the home sharing another full bath. A fabulous Floor to ceiling Fireplace dividing the Formal Dining room and Living Room. The backyard offers seclusion and there is an attached garage.

Key facts

• 0.51 acre lot
• Garage
• Built 1987

Property features AI

Finance

• HOA & community: HOA fee $800 annually

Exterior

• Parking: Attached garage with one space; Off-street parking available; On-street parking available; Garage includes additional storage area
• Utilities: Public water; Private septic tank; Electric power for heating, cooling, and hot water
• Home design: Detached property; Above-grade finished area approximately 1,604 (estimated)
• Construction: Combination of frame and stick-built construction with vinyl siding; Slab foundation (and other); Building not winterized; Year built estimated
• Exterior features: Not in a federal flood zone; Ground rent paid annually; Other above-grade structures

Interior

• Bedrooms: Three bedrooms on the main level
• Flooring: Carpet; Hardwood; Laminate plank
• Bathrooms: Two full bathrooms (both on the main level)
• Heating & cooling: Central heating (electric); Central air conditioning (electric); Electric hot water
• Interior features: One fireplace; Doors swing inward (accessibility)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-35 ($-418/yr) — negative.
• To cash-flow at today's rent, offer at most $234k (2.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (4.1% below list).
• Recommended offer: $230k (4.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 65/100 on livability (#1,098 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, amenities F, commute F.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bushkill El Sch (math 27% / reading 42%, grade F, #1,049 of 1,518 statewide, top 71%, 366 students, 70% FRL); Lehman Intermediate Sch (math 11% / reading 44%, grade F, #399 of 512 statewide, top 79%, 603 students, 59% FRL); East Stroudsburg Shs North (math 29% / reading 24%, grade F, #371 of 437 statewide, top 85%, 940 students, 54% FRL) — zoned schools average 61% FRL vs 42% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 293 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $10k of equity ($2k loan paydown + $8k appreciation (3.5% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.5% appreciation + 3.0% rent growth), your $67k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($236k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y 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.

Recommended offer $230,254 (4.1% 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 F-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. 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: 0.96% ✗
• Cap rate: 6.12%
• Cash-on-cash: -0.62%
• DSCR: 0.97
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $274,284
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
213 Mountain Top Cir	0.20mi	3/1.5	1,516 (-6%)	16mo	$250,000	$165	66
2149 Valley View Dr	0.26mi	3/2.5	1,728 (+8%)	10mo	$190,000	$110	64
1109 Steele Cir	0.13mi	3/1.5	1,409 (-12%)	13mo	$259,000	$184	61
2127 Bushkill Cir	0.43mi	3/2.0	1,460 (-9%)	5mo	$280,000	$192	61
1158 Steele Cir	0.31mi	3/2.0	1,660 (+4%)	23mo	$315,000	$190	61
167 Pipher Rd	0.46mi	3/1.5	1,582 (-1%)	18mo	$265,000	$168	59
459 Pocono Blvd	0.42mi	4/2.0 (+1)	1,782 (+11%)	0mo	$350,000	$196	56
152 Chestnut Ln	0.20mi	4/2.0 (+1)	1,735 (+8%)	22mo	$280,000	$161	54
1111 Cranberry Dr	0.33mi	3/2.0	1,414 (-12%)	20mo	$265,000	$187	48
1215 Steele Cir	0.48mi	4/2.0 (+1)	1,400 (-13%)	13mo	$240,000	$171	41
135 Depue Cir	0.68mi	3/2.0	1,435 (-10%)	13mo	$191,000	$133	40
168 Depue Cir	0.64mi	3/1.5	1,774 (+11%)	21mo	$199,000	$112	33

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

Projected returns pro-forma

3.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.4%
• Equity multiple: 1.50×
• Total profit: $33,337
• Equity at exit: $114,813

10-year hold

• IRR: 10.7%
• Equity multiple: 2.70×
• Total profit: $114,165
• Equity at exit: $182,505

Cash invested: $67,197 (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 18324

• Home prices YoY: 1.5%
• Active inventory: 293
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $2,303 medium
• Mortgage (P&I): −$1,259
• Tax from tax record: −$428 /mo · $5,139/yr
• Insurance: −$100
• HOA: −$67
• Vacancy / Maint / Mgmt: −$484
• Net cashflow: $-35

Break-even live

Break-even rent $2,347

Max offer price $233,842

Occupancy floor 97%

Sensitivity live

Price	-10% $101	-5% $33	+0% $-35	+5% $-103	+10% $-171
Rent	-10% $-217	-5% $-126	+0% $-35	+5% $56	+10% $147
Rate	-1.0pp $86	-0.5pp $26	base $-35	+0.5pp $-97	+1.0pp $-160

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: $59,998
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $67 · $804/yr

Listing history 21 events

1. 2026-06-13
   pricestatusdays on market $239,990 Pending 16 DOM
2. 2026-06-10
   days on market $247,990 Active 14 DOM
3. 2026-06-09
   days on market $247,990 Active 13 DOM
4. 2026-06-08
   days on market $247,990 Active 12 DOM
5. 2026-06-07
   pricedays on market $247,990 Active 11 DOM
6. 2026-06-05
   days on market $249,990 Active 8 DOM
7. 2026-06-02
   days on market $249,990 Active 6 DOM
8. 2026-06-01
   days on market $249,990 Active 5 DOM
9. 2026-05-31
   days on market $249,990 Active 4 DOM
10. 2026-05-30
    days on market $249,990 Active 3 DOM
11. 2026-05-22
    historical $249,990
12. 2023-07-28
    soldstatus $245,000 Closed 522-char remark

    Show marketing remark (522 chars)

    Remodeled Ranch Home located minutes from Bushkill Falls and Shawnee. The home showcases vaulted ceilings, bright picture windows and an open floor plan. Freshly painted and New flooring throughout. The home consists of a master suite with a walk in closet and private full bathroom. The other 2 bedrooms are set on the opposite side of the home sharing another full bath. A fabulous Floor to ceiling Fireplace dividing the Formal Dining room and Living Room. The backyard offers seclusion and there is an attached garage.

13. 2023-07-27
    soldstatus $245,000
14. 2023-06-06
    price $245,000 522-char remark

    Show marketing remark (522 chars)

    Remodeled Ranch Home located minutes from Bushkill Falls and Shawnee. The home showcases vaulted ceilings, bright picture windows and an open floor plan. Freshly painted and New flooring throughout. The home consists of a master suite with a walk in closet and private full bathroom. The other 2 bedrooms are set on the opposite side of the home sharing another full bath. A fabulous Floor to ceiling Fireplace dividing the Formal Dining room and Living Room. The backyard offers seclusion and there is an attached garage.

15. 2023-05-18
    listed $250,000 Active 522-char remark

    Show marketing remark (522 chars)

    Remodeled Ranch Home located minutes from Bushkill Falls and Shawnee. The home showcases vaulted ceilings, bright picture windows and an open floor plan. Freshly painted and New flooring throughout. The home consists of a master suite with a walk in closet and private full bathroom. The other 2 bedrooms are set on the opposite side of the home sharing another full bath. A fabulous Floor to ceiling Fireplace dividing the Formal Dining room and Living Room. The backyard offers seclusion and there is an attached garage.

16. 2020-12-07
    soldstatus $160,000
17. 2020-11-20
    soldstatus $160,000 658-char remark

    Show marketing remark (658 chars)

    Stunning 3 bedroom ranch home located minutes from Bushkill Falls in a private gated community with 2 full bathrooms, fireplace, secluded backyard and 1 car garage. Showcasing vaulted ceilings, bright picture windows and an open floor plan, this home has been lovingly cared for and is in amazing condition. The home consists of a master suite with walk-in closet and private full bathroom divided by a central fireplace, living room and dining room. The 2 other bedrooms are set on the opposite side of the house sharing another full bathroom. First floor laundry with an amazing view off the back deck of the private backyard. This home will not last long!

18. 2020-11-20
    soldstatus $175,000

    Show marketing remark (658 chars)

    Stunning 3 bedroom ranch home located minutes from Bushkill Falls in a private gated community with 2 full bathrooms, fireplace, secluded backyard and 1 car garage. Showcasing vaulted ceilings, bright picture windows and an open floor plan, this home has been lovingly cared for and is in amazing condition. The home consists of a master suite with walk-in closet and private full bathroom divided by a central fireplace, living room and dining room. The 2 other bedrooms are set on the opposite side of the house sharing another full bathroom. First floor laundry with an amazing view off the back deck of the private backyard. This home will not last long!

19. 2020-09-22
    listed $170,000 658-char remark

    Show marketing remark (658 chars)

    Stunning 3 bedroom ranch home located minutes from Bushkill Falls in a private gated community with 2 full bathrooms, fireplace, secluded backyard and 1 car garage. Showcasing vaulted ceilings, bright picture windows and an open floor plan, this home has been lovingly cared for and is in amazing condition. The home consists of a master suite with walk-in closet and private full bathroom divided by a central fireplace, living room and dining room. The 2 other bedrooms are set on the opposite side of the house sharing another full bathroom. First floor laundry with an amazing view off the back deck of the private backyard. This home will not last long!

20. 2020-09-22
    listed $170,000

    Show marketing remark (658 chars)

    Stunning 3 bedroom ranch home located minutes from Bushkill Falls in a private gated community with 2 full bathrooms, fireplace, secluded backyard and 1 car garage. Showcasing vaulted ceilings, bright picture windows and an open floor plan, this home has been lovingly cared for and is in amazing condition. The home consists of a master suite with walk-in closet and private full bathroom divided by a central fireplace, living room and dining room. The 2 other bedrooms are set on the opposite side of the house sharing another full bathroom. First floor laundry with an amazing view off the back deck of the private backyard. This home will not last long!

21. 2004-09-28
    soldstatus $15,900

ⓘ 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: $5,139 · $428/mo
• Projected year-2 tax: $5,139 · $428/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 6 d/yr ≥97°F today · 12 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: $27,630
• − Mortgage interest: −$13,443
• − Property taxes: −$5,139
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,210
• − Management: −$2,210
• − HOA: −$804
• − Depreciation: −$6,982
• Taxable loss: −$4,358
• Est. tax savings @ 24.0%: +$1,046
• After-tax cash flow: $628/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: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — Pine Ridge

• Score: 65/100
• State rank: #1098
• US rank: #12434

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, PA
• Population (ZIP): 9,591

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 47% Hispanic / Latino 26% Black 21% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 12% Cuban 3% Dominican 5%
• Common ancestry: Romanian 2% Estonian 1% Lithuanian 1%
• Foreign-born: 19% · Canada, South Korea
• Languages at home: 69% English-only · Spanish 19% Russian/Polish/Slavic 4% French/Haitian/Cajun 3%

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: ▲ 3.51%
• Current HPI: 243.6754
• 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

+1472.3% since first listed

11 events — show timeline

• 2026-05-22 Coming Soon $249,990 BRIGHT MLS
• 2023-07-28 Sold (MLS) $245,000 PMAR
• 2023-07-27 Sold (Public Records) $245,000 Public Records
• 2023-06-06 Price Changed $245,000 PMAR
• 2023-05-18 Listed $250,000 PMAR
• 2020-12-07 Sold (Public Records) $160,000 Public Records
• 2020-11-20 Sold (MLS) $175,000 PMAR
• 2020-11-20 Sold (MLS) $160,000 GLVRMLS
• 2020-09-22 Listed $170,000 PMAR
• 2020-09-22 Listed $170,000 GLVRMLS
• 2004-09-28 Sold (Public Records) $15,900 Public Records

Property tax history

+1.0%/yr

Latest (2026): $5,139 · +1.6% YoY. Source: county tax records.