195 Maple St · Pocono Pines, PA 18466

$258,000

4 bd · 1.5 ba · 1,824 sqft · SingleFamily public records · 12 Days on market

Built 1902 0.52 ac lot Est $181k · 43% 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 +11.1/30.0
• Appreciation +6.2/10.0
• Schools +4.0/10.0
• 1% rule +3.9/10.0
• Livability +3.7/5.0
• DSCR +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

PRICE REDUCED !! Commercial . .Brand new Hot Water Boiler-Heater. Four Bedroom - 2 Bath Traditional Home is nestled in a private setting in the heart of the Pocono Mountains !! Two detached Garages - one boasts a Wood/Coal Stove, Hobby room and is a mechanics dream OR large enough to store your RV also has a 2nd level , great for extra Storage or future Apartment. Separate Storage Building. Kitchen is oversized, updated not long ago. 1st level Bath was recently remodeled, complete with walk-in Tiled Shower. WHOLE HOUSE GENERATOR offers peace of mind during power outages. Relax and enjoy nature in the 3 Season Enclosed Porch. Circular Driveway. Located in Pocono Mountain School District and close to Tobyhanna Army Depot , Highways, Ski Resorts, Water Parks, Casino & many Pocono Attractions

Key facts

• Zoning c-3 mixed use
• Extra storage
• Oversized bay

Tags

• DETACHED GARAGES
• OVERSIZED BAY
• EXTRA STORAGE
• WHOLE HOUSE GENERATOR
• ZONING C-3 MIXED USE

Property features AI

Finance

• Other: Zoning: C-3 (other)

Exterior

• Parking: 8 total parking spaces; 4 covered; 4-car attached garage (oversized) with workshop and storage; RV garage; Open parking spaces; Garage faces side
• Utilities: 200+ amp electric service; Propane available; Septic tank; Water: see remarks; Cable available
• Home design: Single-family house; 2 stories; Main entry on level 1; South-facing
• Construction: Built with block, aluminum siding and vinyl siding; Asphalt roof; Slab foundation
• Exterior features: Level lot with backyard; Storage; Front enclosed porch; Gravel and paved driveway areas; Circular driveway; RV access/parking

Interior

• Kitchen: Electric range; Refrigerator; Dishwasher
• Flooring: Carpet; Laminate; Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heating: baseboard, hot water, oil; No central cooling
• Interior features: Eat-in kitchen; Insulated windows; Storage; Front enclosed porch; Partial unfinished basement with exterior entry, concrete floor and sump pump
• Laundry & utility: Washer and dryer included; Laundry area in kitchen; Electric dryer hookup; Washer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $258k.

Deal economics

• At list price, monthly cash flow is $-103 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $240k (7.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (10.9% below list).
• Recommended offer: $230k (10.9% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.3% in Pocono Pines — 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 74/100 on livability (#532 in PA, #4,925 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, crime A; Watch: health & safety D, amenities F, commute F.
• Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 358 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($2k loan paydown + $6k appreciation (2.4% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 5, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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 $185k; 39% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1902 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $230,000 (10.9% 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. Built in 1902 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.89% ✗
• Cap rate: 5.81%
• Cash-on-cash: -1.71%
• DSCR: 0.92
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $180,576
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1607 Church St	0.29mi	3/2.0 (-1)	1,616 (-11%)	18mo	$160,000	$99	46

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

Projected returns pro-forma

2.36% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.0%
• Equity multiple: 1.22×
• Total profit: $15,963
• Equity at exit: $106,778

10-year hold

• IRR: 7.6%
• Equity multiple: 2.07×
• Total profit: $77,304
• Equity at exit: $157,713

Cash invested: $72,240 (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 18466

• Home prices YoY: 1.2%
• Active inventory: 358
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,300 medium
• Mortgage (P&I): −$1,353
• Tax from tax record: −$460 /mo · $5,514/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$483
• Net cashflow: $-103

Break-even live

Break-even rent $2,430

Max offer price $239,806

Occupancy floor 99%

Sensitivity live

Price	-10% $43	-5% $-30	+0% $-103	+5% $-176	+10% $-249
Rent	-10% $-285	-5% $-194	+0% $-103	+5% $-12	+10% $79
Rate	-1.0pp $27	-0.5pp $-37	base $-103	+0.5pp $-170	+1.0pp $-238

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: $64,500
• Closing costs: $7,740
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1114 Mill St Unit 2 Tobyhanna, PA	3.0	1.5	1600	$2,300	$1.44	45d	1	0.44mi

Listing history 10 events

1. 2026-06-22
   days on market $258,000 Active 12 DOM
2. 2026-06-21
   days on market $258,000 Active 11 DOM
3. 2026-06-19
   days on market $258,000 Active 9 DOM
4. 2026-06-18
   days on market $258,000 Active 8 DOM
5. 2026-06-17
   days on market $258,000 Active 7 DOM
6. 2026-06-16
   days on market $258,000 Active 6 DOM
7. 2026-06-15
   days on market $258,000 Active 5 DOM
8. 2026-06-14
   days on market $258,000 Active 3 DOM
9. 2026-06-13
   remarks 458-char remark
10. 2026-06-13
    listed $258,000 Active 2 DOM

ⓘ 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: $5,514 · $460/mo
• Projected year-2 tax: $5,514 · $460/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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 16 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: $27,600
• − Mortgage interest: −$14,452
• − Property taxes: −$5,514
• − Insurance: −$1,290
• − Repairs & maintenance: −$2,208
• − Management: −$2,208
• − Depreciation: −$7,505
• Taxable loss: −$5,578
• Est. tax savings @ 24.0%: +$1,339
• After-tax cash flow: $103/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: Pocono Mountain SD
• NCES district ID: 4219500
• Math proficiency: 37% ▼ -5.00%
• Reading proficiency: 55% ▲ 1.00%
• Median HH income: $55,317
• Composite: 39.91/100
• National rank: #3856
• State rank: #245 of 539 in PA

Livability — Pocono Pines

• Score: 74/100
• State rank: #532
• US rank: #4925

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

• City population: 595
• Population (ZIP): 17,997

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 38% Hispanic / Latino 27% Black 24% Two or more races 17% Asian 4%
• Hispanic origin (detail): Puerto Rican 12% Dominican 6%
• Common ancestry: Romanian 2% Portuguese 1% German 1%
• Foreign-born: 16% · Canada
• Languages at home: 77% English-only · Spanish 17% Other Indo-European 2% Russian/Polish/Slavic 1%

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: ▲ 2.36%
• Current HPI: 202.4134
• 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

+29.6% since first listed

4 events — show timeline

• 2026-06-09 Listed $258,000 PMAR
• 2022-10-31 Sold (MLS) $185,000 PMAR
• 2022-10-03 Relisted — PMAR
• 2022-07-28 Listed $199,000 PMAR

Property tax history

+12.4%/yr

Latest (2026): $5,514 · +3.2% YoY. Source: county tax records.