1037 Maplewood Dr · Sterling, PA 18445

$249,900

3 bd · 2.0 ba · 1,041 sqft · Manufactured public records · 24 Days on market

Built 2004 0.45 ac lot $216/mo HOA · 8% 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 +17.0/30.0
• ARV discount +7.5/15.0
• Appreciation +6.5/10.0
• 1% rule +5.3/10.0
• DSCR +5.3/10.0
• Schools +4.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Log sided home in Pocono Springs Estates gated community. This home has 3 bedrooms, 2 full bathrooms, all on 1 floor. There is a huge unfinished basement ready for expanding or storage. A deck for enjoying the outdoors and also a screened porch. This home also includes the lot next door confirming no one will be building next to you. Lots of space outside. You will have peace of mind should you have any power outages with the whole house generator included. The community has their own private lake, swimming pool and clubhouse. This community is golf cart and ATV friendly.

Key facts

• Screened-in porch
• Expansive back deck
• Spacious basement

Tags

• POCONO SPRINGS GATED COMMUNITY
• ADJACENT LOT INCLUDED
• EXPANSIVE BACK DECK
• SCREENED-IN PORCH
• WHOLE-HOUSE GENERATOR
• SPACIOUS BASEMENT

Property features AI

Finance

• HOA & community: Association fee $2,591 annually

Exterior

• Parking: 4-car garage; Driveway
• Security: Smoke detector(s)
• Utilities: Cable available; 200+ amp service with circuit breakers and generator; Septic tank; Well water
• Home design: Wood siding construction; 2 stories
• Construction: Wood siding; Full basement
• Exterior features: Porch; Shed(s); Has view

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: Total of 5 rooms (includes bedrooms and living spaces); Basement level present
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating (electric); Ceiling fan(s)
• Interior features: Attic; Dining area; Storage; Skylights; Skylight(s)
• Laundry & utility: Washer hook-up; Dryer hook-up; Electric dryer hook-up; Laundry on lower level; Electric water heater

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $169 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Recommended offer: $246k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Western Wayne SD (rural): math 39% / reading 63% proficiency, ranked #165 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 83 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 $9k of equity ($2k loan paydown + $7k appreciation (3.0% 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 (3.0% appreciation + 3.0% rent growth), your $70k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$31k 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 ($246k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago 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 $246,151 (1.5% below list)

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: 7.10%
• Cash-on-cash: 2.89%
• DSCR: 1.13
• GRM: 8.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.99% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.2%
• Equity multiple: 1.58×
• Total profit: $40,804
• Equity at exit: $112,197

10-year hold

• IRR: 12.5%
• Equity multiple: 2.87×
• Total profit: $130,621
• Equity at exit: $172,778

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 18445

• Home prices YoY: 0.9%
• Active inventory: 83
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,575 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$235 /mo · $2,821/yr
• Insurance: −$104
• HOA: −$216
• Vacancy / Maint / Mgmt: −$541
• Net cashflow: $169

Break-even live

Break-even rent $2,362

Max offer price $249,900

Occupancy floor 88%

Sensitivity live

Price	-10% $310	-5% $239	+0% $169	+5% $98	+10% $27
Rent	-10% $-35	-5% $67	+0% $169	+5% $270	+10% $372
Rate	-1.0pp $294	-0.5pp $232	base $169	+0.5pp $104	+1.0pp $38

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	7d	1	0.27mi

HOA detail

• Monthly dues: $216 · $2,592/yr
• Likely covers: poolsecurity

Listing history 27 events

1. 2026-06-18
   days on market $249,900 Active 24 DOM
2. 2026-06-17
   days on market $249,900 Active 23 DOM
3. 2026-06-16
   days on market $249,900 Active 22 DOM
4. 2026-06-15
   days on market $249,900 Active 21 DOM
5. 2026-06-14
   days on market $249,900 Active 19 DOM
6. 2026-06-13
   days on market $249,900 Active 18 DOM
7. 2026-06-10
   days on market $249,900 Active 16 DOM
8. 2026-06-09
   days on market $249,900 Active 15 DOM
9. 2026-06-08
   days on market $249,900 Active 14 DOM
10. 2026-06-07
    days on market $249,900 Active 13 DOM
11. 2026-06-03
    days on market $249,900 Active 9 DOM
12. 2026-06-02
    days on market $249,900 Active 8 DOM
13. 2026-06-01
    days on market $249,900 Active 7 DOM
14. 2026-05-31
    days on market $249,900 Active 6 DOM
15. 2026-05-30
    days on market $249,900 Active 5 DOM
16. 2026-05-22
    listed $249,900 Active
17. 2024-10-31
    soldstatus $235,000
18. 2024-10-29
    soldstatus $235,000 Closed 578-char remark

    Show marketing remark (578 chars)

    Log sided home in Pocono Springs Estates gated community. This home has 3 bedrooms, 2 full bathrooms, all on 1 floor. There is a huge unfinished basement ready for expanding or storage. A deck for enjoying the outdoors and also a screened porch. This home also includes the lot next door confirming no one will be building next to you. Lots of space outside. You will have peace of mind should you have any power outages with the whole house generator included. The community has their own private lake, swimming pool and clubhouse. This community is golf cart and ATV friendly.

19. 2024-10-01
    status Pending 578-char remark

    Show marketing remark (578 chars)

    Log sided home in Pocono Springs Estates gated community. This home has 3 bedrooms, 2 full bathrooms, all on 1 floor. There is a huge unfinished basement ready for expanding or storage. A deck for enjoying the outdoors and also a screened porch. This home also includes the lot next door confirming no one will be building next to you. Lots of space outside. You will have peace of mind should you have any power outages with the whole house generator included. The community has their own private lake, swimming pool and clubhouse. This community is golf cart and ATV friendly.

20. 2024-09-20
    listed $235,000 Active 578-char remark

    Show marketing remark (578 chars)

    Log sided home in Pocono Springs Estates gated community. This home has 3 bedrooms, 2 full bathrooms, all on 1 floor. There is a huge unfinished basement ready for expanding or storage. A deck for enjoying the outdoors and also a screened porch. This home also includes the lot next door confirming no one will be building next to you. Lots of space outside. You will have peace of mind should you have any power outages with the whole house generator included. The community has their own private lake, swimming pool and clubhouse. This community is golf cart and ATV friendly.

21. 2021-06-16
    soldstatus $180,000
22. 2021-06-11
    soldstatus $180,000 613-char remark

    Show marketing remark (613 chars)

    Stunning log sided ranch in the Pocono's best kept secret, Pocono Springs Estates! Beautiful level lot, picture perfect home, and a fantastic community! 3 bedrooms, 2 bathrooms, full basement for workshop, storage and more! The home also has a back up generator, screened porch and deck, storage shed, and a bonus lot next door so you wont have anyone building next door! This community has a beautiful lake, allows atv's, golf carts and utv's on the roads, has a gorgeous swimming pool and cub house. , Beds Description: Primary1st, Baths: 2 Bath Lev 1, Eating Area: Dining Area, Beds Description: 2+Bed1st

23. 2021-06-11
    soldstatus

    Show marketing remark (613 chars)

    Stunning log sided ranch in the Pocono's best kept secret, Pocono Springs Estates! Beautiful level lot, picture perfect home, and a fantastic community! 3 bedrooms, 2 bathrooms, full basement for workshop, storage and more! The home also has a back up generator, screened porch and deck, storage shed, and a bonus lot next door so you wont have anyone building next door! This community has a beautiful lake, allows atv's, golf carts and utv's on the roads, has a gorgeous swimming pool and cub house. , Beds Description: Primary1st, Baths: 2 Bath Lev 1, Eating Area: Dining Area, Beds Description: 2+Bed1st

24. 2021-04-08
    listed $179,000 613-char remark

    Show marketing remark (613 chars)

    Stunning log sided ranch in the Pocono's best kept secret, Pocono Springs Estates! Beautiful level lot, picture perfect home, and a fantastic community! 3 bedrooms, 2 bathrooms, full basement for workshop, storage and more! The home also has a back up generator, screened porch and deck, storage shed, and a bonus lot next door so you wont have anyone building next door! This community has a beautiful lake, allows atv's, golf carts and utv's on the roads, has a gorgeous swimming pool and cub house. , Beds Description: Primary1st, Baths: 2 Bath Lev 1, Eating Area: Dining Area, Beds Description: 2+Bed1st

25. 2021-04-08
    listed $179,000

    Show marketing remark (613 chars)

    Stunning log sided ranch in the Pocono's best kept secret, Pocono Springs Estates! Beautiful level lot, picture perfect home, and a fantastic community! 3 bedrooms, 2 bathrooms, full basement for workshop, storage and more! The home also has a back up generator, screened porch and deck, storage shed, and a bonus lot next door so you wont have anyone building next door! This community has a beautiful lake, allows atv's, golf carts and utv's on the roads, has a gorgeous swimming pool and cub house. , Beds Description: Primary1st, Baths: 2 Bath Lev 1, Eating Area: Dining Area, Beds Description: 2+Bed1st

26. 2005-08-16
    soldstatus $125,000
27. 1987-10-15
    soldstatus $22,000

ⓘ 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: $2,821 · $235/mo
• Projected year-2 tax: $3,385 · $282/mo
• Expected delta: +$564/yr (+$47/mo · 20.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 1/10 Low 7 d/yr ≥88°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% 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: −$2,821
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,472
• − Management: −$2,472
• − HOA: −$2,592
• − Depreciation: −$7,270
• Taxable loss: −$1,975
• Est. tax savings @ 24.0%: +$474
• After-tax cash flow: $2,496/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: Western Wayne SD
• NCES district ID: 4226070
• Math proficiency: 39% ▼ -12.00%
• Reading proficiency: 63% ▼ -6.00%
• Median HH income: $51,358
• Composite: 43.65/100
• National rank: #2964
• State rank: #165 of 539 in PA

Livability — Sterling

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

Census & demographics

• Census place: Pocono Springs, PA
• Population (ZIP): 2,488

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 (77%)
• Race & ethnicity: White 77% Hispanic / Latino 13% Two or more races 9% Asian 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 5% Cuban 1% Dominican 2%
• Common ancestry: Romanian 8% Iranian 2% Estonian 1%
• Foreign-born: 7% · Canada
• Languages at home: 84% English-only · Spanish 8% Other Asian/Pacific 3% Other Indo-European 2%

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: ▲ 2.99%
• Current HPI: 349.2006
• 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

+1035.9% since first listed

12 events — show timeline

• 2026-05-22 Listed $249,900 GLVRMLS
• 2024-10-31 Sold (Public Records) $235,000 Public Records
• 2024-10-29 Sold (MLS) $235,000 PWMLS
• 2024-10-01 Pending — PWMLS
• 2024-09-20 Listed $235,000 PWMLS
• 2021-06-16 Sold (Public Records) $180,000 Public Records
• 2021-06-11 Sold (MLS) — PWMLS
• 2021-06-11 Sold (MLS) $180,000 PWMLS
• 2021-04-08 Listed $179,000 PWMLS
• 2021-04-08 Listed $179,000 PWMLS
• 2005-08-16 Sold (Public Records) $125,000 Public Records
• 1987-10-15 Sold (Public Records) $22,000 Public Records

Property tax history

+4.4%/yr

Latest (2026): $2,821 · +3.0% YoY. Source: county tax records.