130 Foxfire Dr Apt 104 · Mount Pocono, PA 18344

$124,900

1 bd · 1.0 ba · 752 sqft · Condo public records · 5 Days on market

Built 1992 $166/sqft · 10% above area Est $111k · 12% over $12/mo HOA · 1% 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).

• Cash flow +19.7/30.0
• DSCR +6.2/10.0
• 1% rule +5.4/10.0
• Appreciation +5.3/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.1/15.0

Listing remarks

MULTIPLE OFFERS AND HIGHEST AND BEST BY 5-6 5:00 pm Starting up or scaling down beautiful economical home with updated and upgraded kitchen , two large covered decks for your morning coffee and afternoon BBQ . This unit has it's own laundry. the location is extremely convenient to Shopping, SKi, Golf, public transport, restaurants and healthcare. Enjoy a worry free life as all your maintenance is included in the $149.70 monthly fee.

Key facts

• Maintenance included
• Large covered decks
• Updated kitchen

Tags

• UPDATED KITCHEN
• LARGE COVERED DECKS
• OWN LAUNDRY
• CONVENIENT LOCATION
• MAINTENANCE INCLUDED

Property features AI

Finance

• HOA & community: Homeowners association with annual fee of $149.70 (about $12.48/month); HOA covers security, grounds maintenance, and structure maintenance

Exterior

• Parking: Open parking (2 spaces)
• Security: Community security
• Utilities: Public water; Public sewer
• Home design: Condominium (attached); One story
• Construction: Built as residential condominium
• Exterior features: Covered rear porch

Interior

• Kitchen: Range; Refrigerator; Dishwasher; Microwave
• Bedrooms: 4 total rooms
• Flooring: Vinyl; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump heating; Central air and heat pump cooling
• Interior features: Granite counters; Unfurnished
• Laundry & utility: Washer; Dryer; Stacked washer/dryer; Laundry on main level

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $147 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Cap rate 7.7% vs local median 5.1% in Mount Pocono — 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 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools 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: 47 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 $2k of equity ($864 loan paydown + $788 appreciation (0.6% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.6% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $124,900

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.04% ✓
• Cap rate: 7.71%
• Cash-on-cash: 5.05%
• DSCR: 1.22
• GRM: 8.0

CMA / ARV

• ARV (median comp): $111,486
• List price: $124,900
• Delta: 12.03%
• Verdict: OVERPRICED
• Comps: 5 within 1.0 mi

Projected returns pro-forma

0.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 5.5%
• Equity multiple: 1.27×
• Total profit: $9,505
• Equity at exit: $40,260

10-year hold

• IRR: 10.1%
• Equity multiple: 2.18×
• Total profit: $41,215
• Equity at exit: $51,708

Cash invested: $34,972 (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 18344

• Home prices YoY: 0.3%
• Active inventory: 47
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,300 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$161 /mo · $1,929/yr
• Insurance: −$52
• HOA: −$12
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $147

Break-even live

Break-even rent $1,114

Max offer price $124,900

Occupancy floor 84%

Sensitivity live

Price	-10% $218	-5% $183	+0% $147	+5% $112	+10% $77
Rent	-10% $45	-5% $96	+0% $147	+5% $199	+10% $250
Rate	-1.0pp $210	-0.5pp $179	base $147	+0.5pp $115	+1.0pp $82

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1429 Pocono Blvd Unit 202 Mt Pocono, PA	1.0	1.0	570	$1,300	$2.28	44d	1	0.84mi

HOA detail condo

• Monthly dues: $12 · $144/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 2 events

1. 2026-05-09
   status Pending 441-char remark
2. 2026-05-04
   listed $124,900 Active 441-char remark

ⓘ 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: $1,929 · $161/mo
• Projected year-2 tax: $1,951 · $163/mo
• Expected delta: +$22/yr (+$2/mo · 1.2%)

ⓘ 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 2/10 Low 7 d/yr ≥90°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $15,600
• − Mortgage interest: −$6,996
• − Property taxes: −$1,929
• − Insurance: −$624
• − Repairs & maintenance: −$1,248
• − Management: −$1,248
• − HOA: −$144
• − Depreciation: −$3,633
• Taxable loss: −$223
• Est. tax savings @ 24.0%: +$54
• After-tax cash flow: $1,820/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 — Mount Pocono

• Score: 77/100
• State rank: #362
• US rank: #3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mount Pocono, PA
• Population (ZIP): 3,472

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 0.70)
• Race & ethnicity: White 47% Hispanic / Latino 22% Black 15% Asian 9% Two or more races 8%
• Hispanic origin (detail): Puerto Rican 7% Dominican 1%
• Common ancestry: Romanian 3% Italian 2% Hispanic 1%
• Foreign-born: 17% · Canada
• Languages at home: 67% English-only · Spanish 19% Other Indo-European 7% Tagalog/Filipino 3%

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: ▲ 0.63%
• Current HPI: 179.2541
• 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

2 events — show timeline

• 2026-05-09 Pending — PMAR
• 2026-05-04 Listed $124,900 PMAR

Property tax history

-3.5%/yr

Latest (2026): $1,929 · +2.9% YoY. Source: county tax records.