1010 Ojibwa Trl · Lehigh, PA 18424

$249,900

3 bd · 2.0 ba · 1,104 sqft · SingleFamily public records · 14 Days on market

Built 1989 0.29 ac lot Est $200k · 25% over $133/mo HOA · 5% 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 +19.9/30.0
• Appreciation +9.2/10.0
• DSCR +6.3/10.0
• 1% rule +5.3/10.0
• Schools +5.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks

Located in the gated community of Pocono Springs Estates, this 3-bedroom, 1.5-bath home offers a unique opportunity for investors, renovation buyers, or anyone looking to create their own Pocono retreat. Tucked among wooded surroundings, the property offers privacy, potential, and access to a wide range of community amenities. Pocono Springs Estates features a beautiful spring-fed lake for swimming, fishing, kayaking, and paddle boating, along with a clubhouse, pool, playgrounds, tennis and basketball courts, and picnic areas that make it easy to enjoy year-round mountain living. Conveniently located near skiing, hiking, waterparks, and major Pocono attractions, this property is ideal for t

Key facts

• Gated community
• Clubhouse
• Community amenities

Tags

• GATED COMMUNITY
• SPRING FED LAKE
• COMMUNITY AMENITIES
• CLUBHOUSE
• PLAYGROUNDS
• TENNIS COURTS

Property features AI

Finance

• Other: Corner lot that is level to sloped with many trees; Private maintained paved road frontage
• HOA & community: Part of homeowners association; Annual HOA fee; HOA amenities include security, gated access, clubhouse, tennis courts, basketball/sport court, and pool; HOA fee covers trash and security

Exterior

• Parking: Off-street parking with 2 open spaces
• Security: Community security (HOA amenity)
• Utilities: Well water; 200+ amp electric service; Mound septic / septic tank
• Home design: Single-family house; No shared/common walls; Residential zoning
• Construction: Wood siding; Block foundation; Built as a house
• Exterior features: Private yard; Deck; Sliding doors; Storm doors; Shingle roof

Interior

• Kitchen: Electric oven; Electric range; Refrigerator; Pantry
• Bedrooms: Total rooms: 6
• Flooring: Carpet; Linoleum; Vinyl
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Baseboard electric heating; Ceiling fans; No central air
• Interior features: Pantry; Vaulted ceilings; Open floor plan; Ceiling fans; Double pane windows with screens; Unfurnished; Living room wood-burning fireplace
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $302 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• North Pocono SD (rural): math 45% / reading 71% proficiency, ranked #82 of 539 in PA (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 299 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $23k of equity ($2k loan paydown + $21k appreciation (8.4% local appreciation)).
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.4% appreciation + 3.0% rent growth), your $70k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $65k; list at $250k implies a 284% gain — meaningful room to come down on a strong offer.

Recommended offer $249,900

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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 7.74%
• Cash-on-cash: 5.17%
• DSCR: 1.23
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $199,824
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1229 Pocono Dr	0.32mi	3/2.0	1,124 (+2%)	7mo	$209,000	$186	76
1017 Tuscarora Trl	0.22mi	4/2.0 (+1)	1,216 (+10%)	8mo	$220,000	$181	61
1143 Ridge Dr	0.49mi	3/2.0	1,176 (+6%)	21mo	$188,000	$160	49
1058 Cheyenne Trl	0.39mi	3/2.0	1,242 (+12%)	19mo	$218,000	$176	45

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

Projected returns pro-forma

8.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.9%
• Equity multiple: 2.85×
• Total profit: $129,515
• Equity at exit: $197,645

10-year hold

• IRR: 22.4%
• Equity multiple: 6.17×
• Total profit: $362,087
• Equity at exit: $399,995

Cash invested: $69,972 (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 18424

• Home prices YoY: 2.2%
• Active inventory: 299
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,575 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$185 /mo · $2,221/yr
• Insurance: −$104
• HOA: −$133
• Vacancy / Maint / Mgmt: −$541
• Net cashflow: $302

Break-even live

Break-even rent $2,193

Max offer price $249,900

Occupancy floor 83%

Sensitivity live

Price	-10% $443	-5% $372	+0% $302	+5% $231	+10% $160
Rent	-10% $98	-5% $200	+0% $302	+5% $403	+10% $505
Rate	-1.0pp $427	-0.5pp $365	base $302	+0.5pp $237	+1.0pp $171

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1121 Cobblewood Rd Newfoundland, PA	4.0	2.0	1469	$2,575	$1.75	8d	1	1.30mi

HOA detail

• Monthly dues: $133 · $1,596/yr
• Likely covers: waterlandscapingpoolsecurity

Listing history 11 events

1. 2026-06-18
   days on market $249,900 Active 14 DOM
2. 2026-06-17
   days on market $249,900 Active 13 DOM
3. 2026-06-16
   days on market $249,900 Active 12 DOM
4. 2026-06-15
   days on market $249,900 Active 11 DOM
5. 2026-06-14
   days on market $249,900 Active 9 DOM
6. 2026-06-13
   days on market $249,900 Active 8 DOM
7. 2026-06-10
   days on market $249,900 Active 6 DOM
8. 2026-06-09
   days on market $249,900 Active 5 DOM
9. 2026-06-08
   days on market $249,900 Active 4 DOM
10. 2026-06-07
    remarks 699-char remark
11. 2026-06-07
    listed $249,900 Active 3 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: $2,221 · $185/mo
• Projected year-2 tax: $3,085 · $257/mo
• Expected delta: +$864/yr (+$72/mo · 38.9%)

ⓘ 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 1/10 Low 7 d/yr ≥88°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: $30,900
• − Mortgage interest: −$13,998
• − Property taxes: −$2,221
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,472
• − Management: −$2,472
• − HOA: −$1,596
• − Depreciation: −$7,270
• Taxable loss: −$378
• Est. tax savings @ 24.0%: +$91
• After-tax cash flow: $3,709/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: North Pocono SD
• NCES district ID: 4217310
• Math proficiency: 45% ▼ -9.00%
• Reading proficiency: 71% ▼ -2.00%
• Median HH income: $59,555
• Composite: 50.23/100
• National rank: #1894
• State rank: #82 of 539 in PA

Livability — Lehigh

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Pocono Springs, PA
• Population (ZIP): 5,076

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 47,924 people
• By 2030: 46,191 · -3.6%
• By 2040: 42,815 · -10.7%
• By 2050: 39,873 · -16.8%
• By 2075: 34,556 · -27.9%
• By 2100: 28,358 · -40.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 6% Hispanic / Latino 5% Black 1%
• Hispanic origin (detail): Puerto Rican 2% Dominican 1% Salvadoran 1%
• Common ancestry: Romanian 11% Iranian 6% Scotch-Irish 3%
• Foreign-born: 3% · Canada, Dominican Republic
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+37.1) · D 31.1% · R 68.2%
• 2008→2024 swing: -24.8pp toward R · 2008: -12.3pp · 2024: -37.1pp
• All cycles: 2024: R+37.1 2020: R+33.6 2016: R+39.7 2012: R+20.9 2008: R+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.45%
• Current HPI: 399.903
• 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

+1095.7% since first listed

3 events — show timeline

• 2026-06-04 Listed $249,900 PMAR
• 2002-02-19 Sold (Public Records) $65,000 Public Records
• 1988-02-28 Sold (Public Records) $20,900 Public Records

Property tax history

+2.8%/yr

Latest (2026): $2,221 · +3.3% YoY. Source: county tax records.