664 Twin Lakes Rd · Pocono Woodland Lakes, PA 18458

$249,000

2 bd · 1.0 ba · 960 sqft · SingleFamily public records · 8 Days on market

Built 1985 1.15 ac lot

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Why this score? — see what drove the D 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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.7/30.0
• Schools +4.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• DSCR +1.0/10.0

Listing remarks MLS

Come take a look at this adorable, cozy ranch. Home features 2-bedrooms, 1- bath, open kitchen, dinning and living area. There are 2 decks overlooking the large open yard, also has a full basement.

Key facts

• Play area
• Fenced garden
• Open-concept kitchen

Tags

• OPEN-CONCEPT KITCHEN
• FENCED GARDEN
• TWO DECKS
• TWO OUTBUILDINGS
• PLAY AREA
• FULL UNFINISHED BASEMENT

Property features AI

Exterior

• Parking: Driveway; Off-street parking
• Utilities: Private well water
• Home design: Single-family house; Vacant / single-family use
• Construction: Asphalt roof
• Exterior features: Garden; Deck; Outbuilding and shed(s); Back yard; A few trees; Paved public-maintained road access

Interior

• Kitchen: Dishwasher; Refrigerator; Free-standing electric range
• Flooring: Carpet; Tile; Linoleum; Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard heating; Forced air heating; Wood stove; Propane heating; Ceiling fan(s) for cooling
• Interior features: Open floor plan; Vaulted ceilings; Full unfinished walk-up basement
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry in basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $249k.

Deal economics

• At list price, monthly cash flow is $-396 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $179k (28.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $166k (33.2% below list).
• Recommended offer: $166k (33.2% below list) — sets the bar for 1% rule.
• Cap rate 4.4% vs local median 3.3% in Pocono Woodland Lakes — 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 71/100 on livability (#702 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety D, schools D-, amenities F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 112 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (10.0% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 7y 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.
• Current owner paid $150k; list at $249k implies a 66% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $166,282 (33.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.67% ✗
• Cap rate: 4.39%
• Cash-on-cash: -6.81%
• DSCR: 0.70
• GRM: 12.5

CMA / ARV

• ARV (on-the-fly): $161,280
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
131 Parkers Glen Rd	0.37mi	2/1.0	1,100 (+15%)	21mo	$185,000	$168	41

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.5%
• Equity multiple: 2.58×
• Total profit: $110,418
• Equity at exit: $224,319

10-year hold

• IRR: 17.9%
• Equity multiple: 5.95×
• Total profit: $345,026
• Equity at exit: $483,752

Cash invested: $69,720 (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 18458

• Home prices YoY: 13.2%
• Active inventory: 112
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,663 medium
• Mortgage (P&I): −$1,306
• Tax from tax record: −$300 /mo · $3,599/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$349
• Net cashflow: $-396

Break-even live

Break-even rent $2,164

Max offer price $179,072

Occupancy floor —

Sensitivity live

Price	-10% $-255	-5% $-325	+0% $-396	+5% $-466	+10% $-537
Rent	-10% $-527	-5% $-462	+0% $-396	+5% $-330	+10% $-264
Rate	-1.0pp $-270	-0.5pp $-333	base $-396	+0.5pp $-460	+1.0pp $-526

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: $62,250
• Closing costs: $7,470
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-05-21
   listed $249,000 Active
2. 2020-07-29
   soldstatus $149,900
3. 2020-07-24
   soldstatus 197-char remark

   Show marketing remark (276 chars)

   Come take a look at this adorable, cozy ranch. Home features 2-bedrooms, 1- bath, open kitchen, dinning and living area. There are 2 decks overlooking the large open yard, also has a full basement. , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1, Eating Area: Dining Area

4. 2020-07-24
   soldstatus $149,900 276-char remark

   Show marketing remark (276 chars)

   Come take a look at this adorable, cozy ranch. Home features 2-bedrooms, 1- bath, open kitchen, dinning and living area. There are 2 decks overlooking the large open yard, also has a full basement. , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1, Eating Area: Dining Area

5. 2019-09-06
   listed $149,900 197-char remark

   Show marketing remark (276 chars)

   Come take a look at this adorable, cozy ranch. Home features 2-bedrooms, 1- bath, open kitchen, dinning and living area. There are 2 decks overlooking the large open yard, also has a full basement. , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1, Eating Area: Dining Area

6. 2019-09-06
   listed $149,900 276-char remark

   Show marketing remark (276 chars)

   Come take a look at this adorable, cozy ranch. Home features 2-bedrooms, 1- bath, open kitchen, dinning and living area. There are 2 decks overlooking the large open yard, also has a full basement. , Beds Description: 2+Bed1st, Baths: 1 Bath Level 1, Eating Area: Dining Area

7. 2005-04-12
   soldstatus $152,000

ⓘ 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: $3,599 · $300/mo
• Projected year-2 tax: $3,767 · $314/mo
• Expected delta: +$167/yr (+$14/mo · 4.7%)

ⓘ 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 · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% 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: $19,954
• − Mortgage interest: −$13,948
• − Property taxes: −$3,599
• − Insurance: −$1,245
• − Repairs & maintenance: −$1,596
• − Management: −$1,596
• − Depreciation: −$7,244
• Taxable loss: −$9,275
• Est. tax savings @ 24.0%: +$2,226
• After-tax cash flow: $-2,524/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Pocono Woodland Lakes

• Score: 71/100
• State rank: #702
• US rank: #6907

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: 15,517
• Population (ZIP): 3,576

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 4% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 7% Lithuanian 2% Serbian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · German/W. Germanic 2% Spanish 2% Other Indo-European 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 31.80%
• Current HPI: 272.6294
• 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

+63.8% since first listed

7 events — show timeline

• 2026-05-21 Listed $249,000 PWMLS
• 2020-07-29 Sold (Public Records) $149,900 Public Records
• 2020-07-24 Sold (MLS) $149,900 PWMLS
• 2020-07-24 Sold (MLS) — PWMLS
• 2019-09-06 Listed $149,900 PWMLS
• 2019-09-06 Listed $149,900 PWMLS
• 2005-04-12 Sold (Public Records) $152,000 Public Records

Property tax history

+2.0%/yr

Latest (2026): $3,599 · +3.2% YoY. Source: county tax records.