33 Winola Ave · Tunkhannock, PA 18657

$149,000

4 bd · 1.0 ba · 1,600 sqft · SingleFamily · 12 Days on market

Built 1934 9,147 sqft lot $93/sqft · 31% below area Est $216k · 31% under

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Why this score? — see what drove the B 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 +27.2/30.0
• ARV discount +15.0/15.0
• DSCR +9.5/10.0
• 1% rule +6.6/10.0
• Livability +3.9/5.0
• Appreciation +3.7/10.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Nice house in town on a dead end street. 3/4 bedrooms, 1 bath updated, with Laundry. Living room, Dining room, Kitchen, Den and very nice screened porch to enjoy the outside without the bugs!! 2 Sheds for Storage, Pool with deck that needs to be removed or put in a new liner. (Sold AS IS)

Key facts

• Dead end street
• Screened porch
• Pool with deck

Tags

• DEAD END STREET
• SCREENED PORCH
• 2 SHEDS FOR STORAGE
• POOL WITH DECK

Property features AI

Finance

• HOA & community: Community amenities include golf, street lights, and restaurant access

Exterior

• Parking: Circular paved driveway; Off-street parking; No garage
• Utilities: Public water; Public sewer; 200+ amp electric service; Propane available; Cable available; Water connected; Sewer connected; Electricity connected
• Home design: Single family house; Two levels; Built in 1934; Residential property
• Construction: Vinyl siding construction; Block and stone foundation; Year built: 1934
• Exterior features: Shingle roof; Vinyl siding; Corner lot with backyard; Shed(s) and storage structure(s); Above-ground pool (see remarks)

Interior

• Kitchen: Built-in gas range; Refrigerator; Dishwasher; Pantry cabinet
• Bedrooms: 4 bedrooms; Primary bedroom with wood flooring and closet; Additional bedrooms with carpet or wood flooring and closets
• Flooring: Wood flooring; Carpet; Vinyl flooring
• Bathrooms: 1 full bathroom (includes tub; laundry hookup in bathroom)
• Heating & cooling: Forced air heating (oil); Ductless cooling (mini-split); Ceiling fans
• Interior features: Bookcases; Ceiling fans; Eat-in kitchen; Drywall; Bay windows; Window coverings; No fireplace; Has basement (block/stone foundation, unfinished, full, walk-out access, interior entry, dirt floor, concrete)
• Laundry & utility: Washer hookup; Electric dryer hookup; Washer hookup located in bathroom; Water heater

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $428 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Cap rate 9.7% vs local median 5.1% in Tunkhannock — 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 (#371 in PA, #3,219 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A, health & safety A-; Watch: employment D+, amenities F, commute F.
• Tunkhannock Area SD (town): math 29% / reading 43% proficiency, ranked #397 of 539 in PA (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 58 active listings in the ZIP; 33 units permitted in Wyoming County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.6%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Wyoming County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-2.6% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1934 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $149,000

Questions for the listing agent

1. Built in 1934 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 9.74%
• Cash-on-cash: 12.32%
• DSCR: 1.55
• GRM: 7.2

CMA / ARV

• ARV (median comp): $216,126
• List price: $149,000
• Delta: -31.06%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
43 1/2 Mccord St	0.34mi	3/2.0 (-1)	1,566 (-2%)	5mo	$242,000	$155	67
102 Putnam St	0.44mi	4/2.0	1,677 (+5%)	7mo	$130,000	$78	62
48 Redfield St	0.14mi	3/1.5 (-1)	1,425 (-11%)	24mo	$205,000	$144	48
10 Harrison St	0.42mi	3/1.5 (-1)	1,710 (+7%)	24mo	$236,179	$138	42
38 Philadelphia Ave	0.61mi	3/2.0 (-1)	1,469 (-8%)	22mo	$225,000	$153	30

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

Projected returns pro-forma

-2.57% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.5%
• Equity multiple: 1.14×
• Total profit: $5,807
• Equity at exit: $25,088

10-year hold

• IRR: 12.3%
• Equity multiple: 2.02×
• Total profit: $42,397
• Equity at exit: $17,871

Cash invested: $41,720 (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 18657

• Home prices YoY: -1.0%
• Active inventory: 58
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,726 medium
• Mortgage (P&I): −$781
• Tax from tax record: −$92 /mo · $1,101/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$362
• Net cashflow: $428

Break-even live

Break-even rent $1,184

Max offer price $149,000

Occupancy floor 70%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Listing history 1 events

1. 2026-05-08
   listed $149,000 Active 290-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: $1,101 · $92/mo
• Projected year-2 tax: $1,728 · $144/mo
• Expected delta: +$626/yr (+$52/mo · 56.9%)

ⓘ 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 3/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,713
• − Mortgage interest: −$8,346
• − Property taxes: −$1,101
• − Insurance: −$745
• − Repairs & maintenance: −$1,657
• − Management: −$1,657
• − Depreciation: −$4,335
• Taxable income: $2,872
• Est. tax owed @ 24.0%: −$689
• After-tax cash flow: $4,451/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: Tunkhannock Area SD
• NCES district ID: 4223850
• Math proficiency: 29% ▼ -9.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $51,545
• Composite: 31.27/100
• National rank: #6022
• State rank: #397 of 539 in PA

Livability — Tunkhannock

• Score: 77/100
• State rank: #371
• US rank: #3219

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Tunkhannock, PA
• Population (ZIP): 11,043

Population outlook (Wyoming County) Hauer SSP2

• Today (2025): 26,334 people
• By 2030: 25,225 · -4.2%
• By 2040: 22,707 · -13.8%
• By 2050: 20,250 · -23.1%
• By 2075: 15,192 · -42.3%
• By 2100: 10,961 · -58.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Lithuanian 2% Iranian 2%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Wyoming

• 2024 margin: Solid R (+36.8) · D 31.1% · R 67.9% · Other 1.0%
• 2008→2024 swing: -29.2pp toward R · 2008: -7.6pp · 2024: -36.8pp
• All cycles: 2024: R+36.8 2020: R+35.2 2016: R+38.7 2012: R+12.3 2008: R+7.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.57%
• Current HPI: 250.1268
• 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

• 2026-05-23 Pending — GSBR as distributed by MLS GRID
• 2026-05-08 Listed $149,000 GSBR as distributed by MLS GRID

Property tax history

-4.8%/yr

Latest (2026): $1,101 · -53.0% YoY. Source: county tax records.