101 Limestone Ct · Sunrise Lake, PA 18337

$215,000

2 bd · 1.5 ba · 1,192 sqft · SingleFamily public records · 75 Days on market

Built 1974 0.30 ac lot $180/sqft · 6% below area Est $228k · 6% under $92/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 +13.7/30.0
• ARV discount +10.1/15.0
• Schools +4.7/10.0
• 1% rule +4.2/10.0
• DSCR +4.1/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cedar Shake Ranch Home On a CornerBright Ranch home on a level corner parcel on a quiet country lane features lots of Anderson windows, laminate floors, bright living room with bluestone fireplace with woodstove insert and picture window, Country kitchen with appliances plus dining, all tile bath and 3 good sized bedrooms. Large storage building. Perfect starter, retirement or getaway.

Key facts

• Laminate floors
• Anderson windows
• Woodstove insert

Tags

• CEDAR SHAKE RANCH HOME
• CORNER PARCEL
• ANDERSON WINDOWS
• LAMINATE FLOORS
• BLUESTONE FIREPLACE
• WOODSTOVE INSERT

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $14 ($174/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $197k (8.3% below list).
• Recommended offer: $197k (8.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#962 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: employment D, health & safety D, amenities F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 290 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 75 days — a 6% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 2 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 $45k; list at $215k implies a 379% gain — meaningful room to come down on a strong offer.

Recommended offer $197,237 (8.3% below list)

Questions for the listing agent

1. It's been on market 75 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.92% ✗
• Cap rate: 6.37%
• Cash-on-cash: 0.29%
• DSCR: 1.01
• GRM: 9.1

CMA / ARV

• ARV (median comp): $228,393
• List price: $215,000
• Delta: -5.86%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
105 Limestone Ct	0.04mi	2/2.0	1,328 (+11%)	6mo	$180,000	$136	72
30 Brownstone Dr	0.02mi	3/1.5 (+1)	1,125 (-6%)	15mo	$186,000	$165	72
106 Pumice Ct Ct	0.08mi	3/1.0 (+1)	1,320 (+11%)	3mo	$280,000	$212	69
104 Gristmill Ter	0.36mi	3/2.0 (+1)	1,168 (-2%)	7mo	$270,000	$231	67
103 Wood Haven Ct	0.25mi	2/3.0	1,144 (-4%)	12mo	$295,000	$258	66
100 Cleveland Court Ct	0.19mi	3/1.0 (+1)	1,049 (-12%)	8mo	$240,000	$229	58
103 Truman Ct	0.30mi	3/2.0 (+1)	1,296 (+9%)	18mo	$250,000	$193	49
103 Van Buren Ct	0.36mi	3/1.5 (+1)	1,014 (-15%)	7mo	$220,000	$217	47
220 Sunrise Dr	0.56mi	3/2.0 (+1)	1,126 (-6%)	12mo	$291,500	$259	47
102 Perch Ter	0.70mi	3/1.5 (+1)	1,164 (-2%)	23mo	$237,100	$204	40

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

Projected returns pro-forma

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

5-year hold

• IRR: -15.8%
• Equity multiple: 0.44×
• Total profit: $-33,851
• Equity at exit: $32,057

10-year hold

• IRR: -7.3%
• Equity multiple: 0.53×
• Total profit: $-28,022
• Equity at exit: $18,589

Cash invested: $60,200 (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 18337

• Home prices YoY: -22.0%
• Active inventory: 290
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,972 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$235 /mo · $2,815/yr
• Insurance: −$90
• HOA: −$92
• Vacancy / Maint / Mgmt: −$414
• Net cashflow: $14

Break-even live

Break-even rent $1,954

Max offer price $215,000

Occupancy floor 94%

Sensitivity live

Price	-10% $136	-5% $75	+0% $14	+5% $-46	+10% $-107
Rent	-10% $-141	-5% $-63	+0% $14	+5% $92	+10% $170
Rate	-1.0pp $123	-0.5pp $69	base $14	+0.5pp $-41	+1.0pp $-98

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
129 Buck Run Dr Milford, PA	2.0	1.0	1000	$1,700	$1.70	44d	1	0.49mi

HOA detail

• Monthly dues: $92 · $1,104/yr

Listing history 18 events

1. 2026-06-18
   days on market $215,000 Active 75 DOM
2. 2026-06-17
   days on market $215,000 Active 74 DOM
3. 2026-06-16
   days on market $215,000 Active 73 DOM
4. 2026-06-15
   days on market $215,000 Active 72 DOM
5. 2026-06-13
   days on market $215,000 Active 70 DOM
6. 2026-06-13
   days on market $215,000 Active 69 DOM
7. 2026-06-09
   days on market $215,000 Active 66 DOM
8. 2026-06-08
   days on market $215,000 Active 65 DOM
9. 2026-06-07
   days on market $215,000 Active 64 DOM
10. 2026-06-04
    days on market $215,000 Active 61 DOM
11. 2026-06-03
    days on market $215,000 Active 60 DOM
12. 2026-06-02
    days on market $215,000 Active 59 DOM
13. 2026-06-01
    days on market $215,000 Active 58 DOM
14. 2026-05-31
    days on market $215,000 Active 57 DOM
15. 2026-04-04
    listed $220,000 Active 388-char remark

    Show marketing remark (388 chars)

    Cedar Shake Ranch Home On a CornerBright Ranch home on a level corner parcel on a quiet country lane features lots of Anderson windows, laminate floors, bright living room with bluestone fireplace with woodstove insert and picture window, Country kitchen with appliances plus dining, all tile bath and 3 good sized bedrooms. Large storage building. Perfect starter, retirement or getaway.

16. 2017-10-04
    soldstatus $44,900 336-char remark

    Show marketing remark (336 chars)

    Priced to Sell. Ranch located on a corner lot with nice level yard and shed. Home features 2 Bedrooms, Bath, Living Room with stone fireplace, family room, large eat in kitchen with pantry. Located in a lake community that offers 3 lakes and a pool. Home being sold "as is". , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1

17. 2017-08-06
    listed $44,900 336-char remark

    Show marketing remark (336 chars)

    Priced to Sell. Ranch located on a corner lot with nice level yard and shed. Home features 2 Bedrooms, Bath, Living Room with stone fireplace, family room, large eat in kitchen with pantry. Located in a lake community that offers 3 lakes and a pool. Home being sold "as is". , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1

18. 1981-08-19
    soldstatus $42,000

ⓘ 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: $2,815 · $235/mo
• Projected year-2 tax: $3,106 · $259/mo
• Expected delta: +$291/yr (+$24/mo · 10.3%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥92°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $23,668
• − Mortgage interest: −$12,043
• − Property taxes: −$2,815
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,893
• − Management: −$1,893
• − HOA: −$1,104
• − Depreciation: −$6,255
• Taxable loss: −$3,411
• Est. tax savings @ 24.0%: +$819
• After-tax cash flow: $993/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Sunrise Lake

• Score: 67/100
• State rank: #962
• US rank: #10528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sunrise Lake, PA
• County: Pike County · 15,799 people
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 15,799
• Household income: $93,149
• Rent vs Own: 14.2% rent · 85.8% own
• Severe rent burden: 275.0

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 (82%)
• Race & ethnicity: White 82% Hispanic / Latino 10% Two or more races 7% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 6% Iranian 2% Portuguese 2%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 89% English-only · Spanish 6% Russian/Polish/Slavic 2% German/W. Germanic 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: ▼ -54.81%
• Current HPI: 194.0604
• Rent YoY: —
• Metro: New York-Newark-Jersey City, NY-NJ-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

+423.8% since first listed

4 events — show timeline

• 2026-04-04 Listed $220,000 PWMLS
• 2017-10-04 Sold (MLS) $44,900 PWMLS
• 2017-08-06 Listed $44,900 PWMLS
• 1981-08-19 Sold (Public Records) $42,000 Public Records

Property tax history

+1.8%/yr

Latest (2026): $2,815 · +1.5% YoY. Source: county tax records.