72 Tunkhannock Dr · Indian Mountain Lake, PA 18210

$190,000

2 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 44 Days on market

Built 1979 1.00 ac lot $188/sqft · 13% below area Est $218k · 13% under $113/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 +20.7/30.0
• ARV discount +13.4/15.0
• DSCR +6.6/10.0
• 1% rule +6.1/10.0
• Schools +4.0/10.0
• Appreciation +3.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

THE PERFECT FULL-TIME, VACATION OR INVESTMENT HOME! Move right into this deceivingly spacious 2BD/1BTH Ranch set on a private, flat, acre surrounded by mature trees on a quiet street in gated, amenity-filled Indian Mountain Lakes! This beautifully maintained home features a freshly painted interior, abundant natural light through large windows, an open floorplan, and easy one-level living! The Living Room flows into a cozy Family Room with a wood-burning fireplace complete with brick surround, while the Eat-In Kitchen offers ample cabinetry, generous counter space, and sliders leading to the rear deck. Both bedrooms are well-sized with ample closet space. Enjoy two newer front & back decks--perfect for morning coffee, relaxing, or entertaining all while overlooking the peaceful front and back yards. Additional storage includes a partially floored attic and outdoor sheds. Community amenities include 5 lakes, fishing, boating, beaches, pools, sports courts, playgrounds, walking trails, picnic areas and a clubhouse with year-round activities for kids and adults. HOA covers all amenities, road maintenance, snow removal, and trash service. An amazing home at an amazing price with low taxes, a great location, and minutes to community amenities, major roads and Pocono attractions. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR SHOWING TODAY!

Key facts

• 1 acre lot
• Parking
• Built 1979

Property features AI

Finance

• HOA & community: Annual association fee of $1,350

Exterior

• Parking: Driveway; Off-street parking (no garage)
• Security: Smoke detector(s)
• Utilities: 200+ amp electric service with circuit breakers; Well water; Septic tank
• Home design: Single-story property; T1-11 siding
• Construction: Asphalt/fiberglass roof; T1-11 siding; Crawl space basement with exterior entry
• Exterior features: Deck; Shed(s); Flat, wooded lot; Private paved road frontage; Smoke detector(s)

Interior

• Kitchen: Eat-in kitchen with freshly painted wood cabinets, Formica countertop, recessed lighting, dining area, slider to deck, open to living room
• Bedrooms: Bedroom with vinyl floors, single closet, window A/C, fits queen bed (First level); Bedroom with vinyl floors, double closet, fits king bed (First level)
• Flooring: Laminate; Vinyl; Resilient
• Bathrooms: Full bathroom with vinyl floors, corner vanity, medicine chest, full tub, window (First level)
• Heating & cooling: Electric baseboard heating; Wall/window air conditioning units
• Interior features: Eat-in kitchen; Family room on main level; Attic (partially floored) with scuttle access; Storage; Storm door(s)
• Laundry & utility: Main level laundry closet with electric dryer hookup; Washer included; Electric dryer included

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $259 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 4.7% in Indian Mountain Lake — 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 62/100 on livability (#1,349 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: schools D, health & safety D, amenities 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: 453 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

• Local home prices are declining (-2.9%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 4y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $136k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,300 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.11% ✓
• Cap rate: 7.93%
• Cash-on-cash: 5.84%
• DSCR: 1.26
• GRM: 7.5

CMA / ARV

• ARV (median comp): $218,429
• List price: $190,000
• Delta: -13.02%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
46 Iroquois Rd #905	0.44mi	3/1.0 (+1)	960 (-5%)	2mo	$203,000	$211	65
55 Blairwood Ln	0.57mi	3/1.0 (+1)	960 (-5%)	3mo	$187,000	$195	58
94 Clearbrook Dr	0.62mi	3/1.0 (+1)	960 (-5%)	6mo	$167,000	$174	53
144 Dogwood Ter	0.52mi	3/1.0 (+1)	960 (-5%)	13mo	$210,000	$219	52
188 Scenic Dr	0.61mi	3/1.0 (+1)	1,056 (+5%)	11mo	$185,000	$175	49
90 Blairwood Ln	0.48mi	3/1.0 (+1)	960 (-5%)	18mo	$146,500	$153	49
182 Mallard Ln	0.41mi	3/1.0 (+1)	1,120 (+11%)	11mo	$235,000	$210	48
162 Fawn Ln	0.65mi	3/1.0 (+1)	960 (-5%)	18mo	$220,000	$229	42
214 Valley View Dr	0.49mi	3/2.0 (+1)	1,144 (+14%)	21mo	$270,000	$236	28

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

Projected returns pro-forma

-2.89% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -6.7%
• Equity multiple: 0.75×
• Total profit: $-13,325
• Equity at exit: $29,287

10-year hold

• IRR: 2.8%
• Equity multiple: 1.20×
• Total profit: $10,728
• Equity at exit: $18,077

Cash invested: $53,200 (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

10-day notice; Philadelphia has eviction-court diversion + some protections; otherwise moderate.

Methodology + full state rankings →

ZIP-level market 18210

• Home prices YoY: -1.4%
• Active inventory: 453
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $2,100 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$212 /mo · $2,541/yr
• Insurance: −$79
• HOA: −$113
• Vacancy / Maint / Mgmt: −$441
• Net cashflow: $259

Break-even live

Break-even rent $1,773

Max offer price $190,000

Occupancy floor 83%

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
182 Mountain Rd Albrightsville, PA	3.0	1.0	960	$2,100	$2.19	3d	1	1.42mi

HOA detail

• Monthly dues: $113 · $1,356/yr
• Likely covers: trashlandscapingsnow removalpoolsecurity

Listing history 30 events

1. 2026-06-19
   days on market $190,000 Active 44 DOM
2. 2026-06-18
   days on market $190,000 Active 43 DOM
3. 2026-06-17
   days on market $190,000 Active 42 DOM
4. 2026-06-17
   price $190,000 Active 41 DOM
5. 2026-06-16
   days on market $200,000 Active 41 DOM

   Show marketing remark (1360 chars)

   THE PERFECT FULL-TIME, VACATION OR INVESTMENT HOME! Move right into this deceivingly spacious 2BD/1BTH Ranch set on a private, flat, acre surrounded by mature trees on a quiet street in gated, amenity-filled Indian Mountain Lakes! This beautifully maintained home features a freshly painted interior, abundant natural light through large windows, an open floorplan, and easy one-level living! The Living Room flows into a cozy Family Room with a wood-burning fireplace complete with brick surround, while the Eat-In Kitchen offers ample cabinetry, generous counter space, and sliders leading to the rear deck. Both bedrooms are well-sized with ample closet space. Enjoy two newer front & back decks--perfect for morning coffee, relaxing, or entertaining all while overlooking the peaceful front and back yards. Additional storage includes a partially floored attic and outdoor sheds. Community amenities include 5 lakes, fishing, boating, beaches, pools, sports courts, playgrounds, walking trails, picnic areas and a clubhouse with year-round activities for kids and adults. HOA covers all amenities, road maintenance, snow removal, and trash service. An amazing home at an amazing price with low taxes, a great location, and minutes to community amenities, major roads and Pocono attractions. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR SHOWING TODAY!

6. 2026-06-15
   days on market $200,000 Active 40 DOM
7. 2026-06-14
   days on market $200,000 Active 38 DOM
8. 2026-06-13
   days on market $200,000 Active 37 DOM
9. 2026-06-10
   days on market $200,000 Active 35 DOM
10. 2026-06-09
    days on market $200,000 Active 34 DOM
11. 2026-06-08
    days on market $200,000 Active 33 DOM
12. 2026-06-07
    days on market $200,000 Active 32 DOM
13. 2026-06-02
    days on market $200,000 Active 27 DOM
14. 2026-06-01
    days on market $200,000 Active 26 DOM
15. 2026-05-31
    days on market $200,000 Active 25 DOM
16. 2026-05-30
    days on market $200,000 Active 24 DOM
17. 2026-05-18
    price $200,000 1360-char remark

    Show marketing remark (1360 chars)

    THE PERFECT FULL-TIME, VACATION OR INVESTMENT HOME! Move right into this deceivingly spacious 2BD/1BTH Ranch set on a private, flat, acre surrounded by mature trees on a quiet street in gated, amenity-filled Indian Mountain Lakes! This beautifully maintained home features a freshly painted interior, abundant natural light through large windows, an open floorplan, and easy one-level living! The Living Room flows into a cozy Family Room with a wood-burning fireplace complete with brick surround, while the Eat-In Kitchen offers ample cabinetry, generous counter space, and sliders leading to the rear deck. Both bedrooms are well-sized with ample closet space. Enjoy two newer front & back decks--perfect for morning coffee, relaxing, or entertaining all while overlooking the peaceful front and back yards. Additional storage includes a partially floored attic and outdoor sheds. Community amenities include 5 lakes, fishing, boating, beaches, pools, sports courts, playgrounds, walking trails, picnic areas and a clubhouse with year-round activities for kids and adults. HOA covers all amenities, road maintenance, snow removal, and trash service. An amazing home at an amazing price with low taxes, a great location, and minutes to community amenities, major roads and Pocono attractions. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR SHOWING TODAY!

18. 2026-05-18
    price $200,000 1365-char remark

    Show marketing remark (1360 chars)

    THE PERFECT FULL-TIME, VACATION OR INVESTMENT HOME! Move right into this deceivingly spacious 2BD/1BTH Ranch set on a private, flat, acre surrounded by mature trees on a quiet street in gated, amenity-filled Indian Mountain Lakes! This beautifully maintained home features a freshly painted interior, abundant natural light through large windows, an open floorplan, and easy one-level living! The Living Room flows into a cozy Family Room with a wood-burning fireplace complete with brick surround, while the Eat-In Kitchen offers ample cabinetry, generous counter space, and sliders leading to the rear deck. Both bedrooms are well-sized with ample closet space. Enjoy two newer front & back decks--perfect for morning coffee, relaxing, or entertaining all while overlooking the peaceful front and back yards. Additional storage includes a partially floored attic and outdoor sheds. Community amenities include 5 lakes, fishing, boating, beaches, pools, sports courts, playgrounds, walking trails, picnic areas and a clubhouse with year-round activities for kids and adults. HOA covers all amenities, road maintenance, snow removal, and trash service. An amazing home at an amazing price with low taxes, a great location, and minutes to community amenities, major roads and Pocono attractions. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR SHOWING TODAY!

19. 2026-05-06
    listed $205,000 Active 1365-char remark
20. 2026-05-05
    listed $205,000 Active 1360-char remark

    Show marketing remark (1360 chars)

    THE PERFECT FULL-TIME, VACATION OR INVESTMENT HOME! Move right into this deceivingly spacious 2BD/1BTH Ranch set on a private, flat, acre surrounded by mature trees on a quiet street in gated, amenity-filled Indian Mountain Lakes! This beautifully maintained home features a freshly painted interior, abundant natural light through large windows, an open floorplan, and easy one-level living! The Living Room flows into a cozy Family Room with a wood-burning fireplace complete with brick surround, while the Eat-In Kitchen offers ample cabinetry, generous counter space, and sliders leading to the rear deck. Both bedrooms are well-sized with ample closet space. Enjoy two newer front & back decks--perfect for morning coffee, relaxing, or entertaining all while overlooking the peaceful front and back yards. Additional storage includes a partially floored attic and outdoor sheds. Community amenities include 5 lakes, fishing, boating, beaches, pools, sports courts, playgrounds, walking trails, picnic areas and a clubhouse with year-round activities for kids and adults. HOA covers all amenities, road maintenance, snow removal, and trash service. An amazing home at an amazing price with low taxes, a great location, and minutes to community amenities, major roads and Pocono attractions. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR SHOWING TODAY!

21. 2024-11-25
    historical
22. 2024-10-04
    price $205,000
23. 2024-10-03
    price $205,000
24. 2024-09-21
    price $214,900
25. 2024-09-20
    price $214,900
26. 2024-08-27
    listed $219,000 Active
27. 2024-08-27
    listed $219,000 Active
28. 2022-08-01
    soldstatus $136,000
29. 2022-07-27
    soldstatus $136,000
30. 2022-05-16
    listed $139,900

ⓘ 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: $2,541 · $212/mo
• Projected year-2 tax: $2,771 · $231/mo
• Expected delta: +$231/yr (+$19/mo · 9.1%)

ⓘ 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 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 14 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,200
• − Mortgage interest: −$10,643
• − Property taxes: −$2,541
• − Insurance: −$950
• − Repairs & maintenance: −$2,016
• − Management: −$2,016
• − HOA: −$1,356
• − Depreciation: −$5,527
• Taxable income: $151
• Est. tax owed @ 24.0%: −$36
• After-tax cash flow: $3,068/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 — Indian Mountain Lake

• Score: 62/100
• State rank: #1349
• US rank: #16713

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Indian Mountain Lake, PA
• Population (ZIP): 7,879

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: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 22% Two or more races 11% Black 6% Native American 1% Asian 1%
• Hispanic origin (detail): Puerto Rican 12% Cuban 2% Dominican 1%
• Common ancestry: Romanian 8% Russian 4% Iranian 2%
• Foreign-born: 12% · Canada
• Languages at home: 81% English-only · Spanish 10% Russian/Polish/Slavic 7% Other Indo-European 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: ▼ -2.89%
• Current HPI: 203.8099
• 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

+35.8% since first listed

16 events — show timeline

• 2026-06-16 Price Changed $190,000 PMAR
• 2026-06-16 Price Changed $190,000 GLVRMLS
• 2026-05-18 Price Changed $200,000 PMAR
• 2026-05-18 Price Changed $200,000 GLVRMLS
• 2026-05-06 Listed $205,000 GLVRMLS
• 2026-05-05 Listed $205,000 PMAR
• 2024-11-25 Listing Removed — GLVRMLS
• 2024-10-04 Price Changed $205,000 GLVRMLS
• 2024-10-03 Price Changed $205,000 PMAR
• 2024-09-21 Price Changed $214,900 GLVRMLS
• 2024-09-20 Price Changed $214,900 PMAR
• 2024-08-27 Listed $219,000 GLVRMLS
• 2024-08-27 Listed $219,000 PMAR
• 2022-08-01 Sold (Public Records) $136,000 Public Records
• 2022-07-27 Sold (MLS) $136,000 PMAR
• 2022-05-16 Listed $139,900 PMAR

Property tax history

-0.7%/yr

Latest (2026): $2,541 · +3.4% YoY. Source: county tax records.