5211 Fir Ln · Pocono Pines, PA 18346

$189,000

2 bd · 1.0 ba · 928 sqft · SingleFamily public records · 24 Days on market

Built 1971 0.36 ac lot $204/sqft · 8% below area Est $205k · 8% under

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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 +20.1/30.0
• ARV discount +11.1/15.0
• DSCR +6.4/10.0
• Appreciation +5.8/10.0
• 1% rule +5.0/10.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

Key facts

• 0.36 acre lot
• Built 1971
• Listed 23 days

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Well water; Holding tank sewer
• Home design: Single-story home; Above-grade finished area approximately 928
• Construction: T1-11 siding; Tar and gravel roof
• Exterior features: Lot roughly 0.36 acres; Lot dimensions approximately 81' x 215' x 84' x 218'; Zoned R3

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: Bedroom 1 (First level); Bedroom 2 (First level); Bedroom 3 (First level)
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric baseboard heating; Has heating
• Interior features: Dining area; Hardwood flooring; Crawl space basement
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $189k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $189k).
• Recommended offer: $186k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 4.0% in Pocono Pines — 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 74/100 on livability (#532 in PA, #4,925 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, crime A; Watch: health & safety D, amenities 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: 57 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($1k loan paydown + $3k appreciation (1.5% 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 (1.5% appreciation + 3.0% rent growth), your $53k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($186k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Recommended offer $186,165 (1.5% below list)

Questions for the listing agent

1. Built in 1971 — 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: 1.00% ✓
• Cap rate: 7.78%
• Cash-on-cash: 5.31%
• DSCR: 1.24
• GRM: 8.3

CMA / ARV

• ARV (median comp): $205,307
• List price: $189,000
• Delta: -7.94%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4463 Sylvan Ln	0.22mi	3/1.0 (+1)	964 (+4%)	22mo	$139,900	$145	60
1120 Trapper Ln	0.56mi	3/2.0 (+1)	960 (+3%)	5mo	$235,000	$245	55
2121 Freedom Way	0.48mi	3/1.0 (+1)	984 (+6%)	21mo	$226,000	$230	45
105 Bobcat Trl	0.55mi	3/1.5 (+1)	1,050 (+13%)	3mo	$370,000	$352	43

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

Projected returns pro-forma

1.54% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.4%
• Equity multiple: 1.44×
• Total profit: $23,458
• Equity at exit: $69,853

10-year hold

• IRR: 12.0%
• Equity multiple: 2.54×
• Total profit: $81,435
• Equity at exit: $97,100

Cash invested: $52,920 (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 18346

• Home prices YoY: 0.8%
• Active inventory: 57
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,894 medium
• Mortgage (P&I): −$991
• Tax from tax record: −$192 /mo · $2,306/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$398
• Net cashflow: $234

Break-even live

Break-even rent $1,597

Max offer price $189,000

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: $47,250
• Closing costs: $5,670
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-19
   days on market $189,000 Active 24 DOM
2. 2026-06-18
   days on market $189,000 Active 23 DOM
3. 2026-06-17
   days on market $189,000 Active 22 DOM
4. 2026-06-16
   days on market $189,000 Active 21 DOM
5. 2026-06-15
   days on market $189,000 Active 20 DOM
6. 2026-06-14
   days on market $189,000 Active 18 DOM
7. 2026-06-13
   days on market $189,000 Active 17 DOM
8. 2026-06-10
   days on market $189,000 Active 15 DOM
9. 2026-06-09
   days on market $189,000 Active 14 DOM
10. 2026-06-08
    days on market $189,000 Active 13 DOM
11. 2026-06-07
    statusdays on market $189,000 Active 12 DOM

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

12. 2026-05-08
    status Active 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

13. 2026-05-08
    status Active 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

14. 2026-04-08
    status Pending 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

15. 2026-04-08
    historical 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

16. 2026-04-03
    status Active 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

17. 2026-03-27
    status Pending 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

18. 2026-03-18
    listed $189,000 Active 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

19. 2026-03-18
    listed $189,000 787-char remark

    Show marketing remark (787 chars)

    Tucked away in gated, amenity-filled community of Stillwater Estates, this 3-bedroom, 1-bath European-style rustic cabin offers a peaceful setting with plenty of character. Featuring exposed wood beams, stone accents, and a cozy fireplace, the home has a warm, inviting feel throughout. This single-level ranch has great potential as a full-time residence, second home, or investment property. Recent improvements include a brand new well pump and pressure tank with a 5-year warranty. The large front deck overlooks the natural surroundings, while the wooded lot delivers privacy and serenity. One bedroom features a private entrance and can function as a guest area, game room, mudroom, office, or additional living space. Sewage system is a holding tank. Property is being sold as-is.

ⓘ 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: $2,306 · $192/mo
• Projected year-2 tax: $2,646 · $220/mo
• Expected delta: +$340/yr (+$28/mo · 14.8%)

ⓘ 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 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 15 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: $22,726
• − Mortgage interest: −$10,587
• − Property taxes: −$2,306
• − Insurance: −$945
• − Repairs & maintenance: −$1,818
• − Management: −$1,818
• − Depreciation: −$5,498
• Taxable loss: −$246
• Est. tax savings @ 24.0%: +$59
• After-tax cash flow: $2,868/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 — Pocono Pines

• Score: 74/100
• State rank: #532
• US rank: #4925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 595
• Population (ZIP): 2,316

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 48% Black 28% Hispanic / Latino 19% Two or more races 12%
• Hispanic origin (detail): Cuban 2% Dominican 3%
• Common ancestry: Russian 8% Romanian 6% Slovak 5%
• Foreign-born: 20% · Canada
• Languages at home: 77% English-only · Spanish 19% Russian/Polish/Slavic 4%

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: ▲ 1.54%
• Current HPI: 189.8011
• 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

+0.0% since first listed

12 events — show timeline

• 2026-06-07 Relisted — PMAR
• 2026-06-07 Relisted — GLVRMLS
• 2026-05-20 Pending — PMAR
• 2026-05-20 Pending — GLVRMLS
• 2026-05-08 Relisted — GLVRMLS
• 2026-05-08 Relisted — PMAR
• 2026-04-08 Pending — PMAR
• 2026-04-08 Listing Removed — GLVRMLS
• 2026-04-03 Relisted — PMAR
• 2026-03-27 Pending — PMAR
• 2026-03-18 Listed $189,000 PMAR
• 2026-03-18 Listed $189,000 GLVRMLS

Property tax history

+0.5%/yr

Latest (2026): $2,306 · +3.2% YoY. Source: county tax records.