2287 Sans Souci Pkwy · Nanticoke, PA
Flood risk 7/10 · Major
- FEMA flood zone
- X (shaded)
- Chance of flooding over 30 yrs
- 0.76%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $511 – $949
Heat risk 4/10 · Minor
- Hot days now (above 96°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 3/10 · Minor
- Chance of severe wind over 30 yrs
- 5.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +18.0/30.0
- ARV discount +7.5/15.0
- DSCR +5.6/10.0
- 1% rule +4.5/10.0
- Livability +3.7/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.9/10.0
- Appreciation +0.0/10.0
$165,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Welcome to this well-maintained half double conveniently located on highly traveled Sans Souci Parkway in Hanover Township, directly across from a shopping plaza, offering easy access to restaurants, retail stores, and everyday conveniences. This home has 4 bedrooms and 2.5 bathrooms, providing plenty of room for a growing family or anyone seeking extra living space. The property boasts a large backyard, perfect for outdoor entertaining, gardening, or recreation, along with a private driveway and garage for ample parking and storage. Several major updates have already been completed, including a new roof installed in 2022 and a complete plumbing replacement in 2022, offering peace of mind
Key facts
- Private driveway
- Large backyard
- New roof
Tags
Property features AI
Exterior
- Parking: 1-car garage; 2 open parking spaces
- Home design: Duplex; Attached property; Townhouse
- Construction: Basement: Concrete
- Exterior features: 0.2-acre lot; Subdivision: None
Interior
- Kitchen: Gas Range
- Bathrooms: 2 full bathrooms; 1 half bathroom
- Heating & cooling: Steam heating; Natural gas heating; Wall unit cooling
- Interior features: Unfurnished; Concrete basement
Neighborhood map
What this means for you Summary
Snapshot
- This is a 4-bed/2.5-bath townhouse listed at $165k.
Deal economics
- At list price, monthly cash flow is $75 ($896/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 $157k (4.6% below list).
- Recommended offer: $157k (4.6% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 74/100 on livability (#520 in PA, #4,791 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: commute F, employment D-.
- Hanover Area SD (suburban): math 19% / reading 25% proficiency, ranked #484 of 539 in PA (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Zoned schools: Hanover Green El Sch (308 students, 94% FRL); Hanover Area Memorial El Sch (math 8% / reading 22%, grade F, #1,323 of 1,518 statewide, top 89%, 310 students, 99% FRL); Hanover Area Jshs (math 27% / reading 27%, grade F, #365 of 437 statewide, top 85%, 930 students, 84% FRL) — zoned schools average 92% FRL vs 48% district-wide (45 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: 83 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals lingering (median 46d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).
- This rent runs 32% of the median local income ($59k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
Risks & watch-outs
- Watch-outs: flood insurance adds $66/mo; built in 1930 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.95% ✗
- Cap rate
- 7.32%
- Cash-on-cash
- 3.67%
- DSCR
- 1.16
- GRM
- 8.7
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -13.2%
- Equity multiple
- 0.53×
- Total profit
- $-21,940
- Equity at exit
- $24,602
- IRR
- -4.2%
- Equity multiple
- 0.72×
- Total profit
- $-12,814
- Equity at exit
- $14,266
Cash invested: $46,200 (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
ZIP-level market 18706
- Active inventory
- 83
- Price-to-rent
- 8.7×
Monthly cashflow live
- Estimated rent
- $1,574 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$168 /mo · $2,022/yr
- Insurance
- −$69
- Flood insurance flood zone
- −$66 /mo · $798/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$331
- Net cashflow
- $75
Break-even live
Sensitivity live
| Price | -10% $168 | -5% $121 | +0% $75 | +5% $28 | +10% $-19 |
|---|---|---|---|---|---|
| Rent | -10% $-50 | -5% $12 | +0% $75 | +5% $137 | +10% $199 |
| Rate | -1.0pp $158 | -0.5pp $117 | base $75 | +0.5pp $32 | +1.0pp $-12 |
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
- $41,250
- Closing costs
- $4,950
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 8 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 37 Loomis Park Hanover Township, PA | 3.0 | 1.0 | 1152 | $1,300 | $1.13 | 15d | 1 | 0.59mi |
| 3122 S Main St Unit 2 Wilkes-Barre, PA | 4.0 | 1.0 | 1100 | $1,300 | $1.18 | 23d | 1 | 1.09mi |
| 92 Diamond Ave Hanover Township, PA | 3.0 | 1.0 | 1150 | $1,400 | $1.22 | 46d | 1 | 1.29mi |
| 320 South St Wilkes-Barre, PA | 3.0 | 1.0 | 1200 | $1,400 | $1.17 | 45d | 1 | 1.37mi |
| 295 State St Nanticoke, PA | 3.0 | 1.0 | 1781 | $1,600 | $0.90 | 15d | 1 | 1.38mi |
| 221 Bauer St Hanover Township, PA | 3.0 | 1.0 | 1375 | $1,600 | $1.16 | 23d | 1 | 1.39mi |
| 221 Bauer St Hanover Township, PA | 3.0 | 1.0 | 1200 | $1,600 | $1.33 | 45d | 1 | 1.39mi |
| 260 E Green St Nanticoke, PA | 3.0 | 1.5 | 1350 | $1,400 | $1.04 | 45d | 1 | 1.41mi |
Listing history 3 events
-
2026-06-14price $165,000 Pending 2 DOM
-
2026-06-07remarks 699-char remark
-
2026-06-07$160,000 Pending 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
- $2,022 · $168/mo
- Projected year-2 tax
- $2,314 · $193/mo
- Expected delta
- +$293/yr (+$24/mo · 14.5%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 7/10 Severe FEMA zone X (shaded) · 76% chance over 30 yrs
- Wildfire 2/10 Low
- Heat 4/10 Moderate 7 d/yr ≥96°F today · 18 d/yr by 30 yrs out
- Wind 3/10 Moderate 5% chance of damaging wind over 30 yrs
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $18,890
- − Mortgage interest
- −$9,243
- − Property taxes
- −$2,022
- − Insurance
- −$1,622
- − Repairs & maintenance
- −$1,511
- − Management
- −$1,511
- − Depreciation
- −$4,800
- Taxable loss
- −$1,819
- Est. tax savings @ 24.0%
- +$436
- After-tax cash flow
- $1,332/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
- Hanover Area SD
- NCES district ID
- 4211420
- Math proficiency
- 19% ▼ -3.00%
- Reading proficiency
- 25% ▼ -21.00%
- Median HH income
- $40,015
- Composite
- 18.6/100
- National rank
- #8903
- State rank
- #484 of 539 in PA
Livability — Nanticoke
- Score
- 74/100
- State rank
- #520
- US rank
- #4791
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- County
- Luzerne County · 118,885 people
- Metro
- Scranton--Wilkes-Barre, PA
- Population (ZIP)
- 16,387
- Household income
- $58,558
- Rent vs Own
- Severe rent burden
- 568.0
Population outlook (Luzerne County) Hauer SSP2
- Today (2025)
- 319,505 people
- By 2030
- 319,943 · +0.1%
- By 2040
- 322,643 · +1.0%
- By 2050
- 330,817 · +3.5%
- By 2075
- 379,145 · +18.7%
- By 2100
- 431,908 · +35.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (76%)
- Race & ethnicity
- White 76% Hispanic / Latino 17% Two or more races 11% Black 3%
- Hispanic origin (detail)
- Puerto Rican 9% Dominican 4%
- Common ancestry
- Romanian 18% Scotch-Irish 3% Subsaharan African 1%
- Foreign-born
- 6% · Canada
- Languages at home
- 88% English-only · Spanish 10% Other Asian/Pacific 1%
Political lean MEDSL · Luzerne
- 2024 margin
- R (+19.2) · D 40.0% · R 59.2%
- 2008→2024 swing
- -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
- All cycles
- 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -150.02%
- Current HPI
- 196.19
- Rent YoY
- —
- Metro
- Scranton--Wilkes-Barre, 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
2 events — show timeline
- 2026-06-07 Pending — PMAR
- 2026-06-05 Listed $160,000 PMAR
Property tax history
+0.8%/yrLatest (2026): $2,022 · +0.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…