149 Victoria Heights Rd Unit 41 · East Stroudsburg, PA 18301

$179,900

2 bd · 1.5 ba · 1,024 sqft · Condo · 13 Days on market

Built 1994 Good condition $155/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 +19.7/30.0
• ARV discount +7.5/15.0
• 1% rule +6.3/10.0
• DSCR +6.2/10.0
• Rent growth +5.0/5.0
• Livability +4.2/5.0
• Condition / age +4.0/5.0
• Schools +3.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Expand your real estate portfolio with this bottom unit that boasts an open concept layout, with two bedrooms and 1.5 bathrooms. The primary bedroom is equipped with a walk-in closet and a half bath. The living room features a sliding door that leads to an outdoor back patio, which includes a water heater closet and ample storage space. Each unit is furnished with its own air conditioning system, with this particular unit being approximately five years old. The new paint and flooring are complemented by a brand new kitchen, complete with appliances that are ready for immediate use. This unit presents an attractive option for commuters and students, as Route 80 is less than five minutes away

Key facts

• Ample storage space
• Water heater closet
• Walk-in closet

Tags

• OPEN CONCEPT LAYOUT
• WALK-IN CLOSET
• OUTDOOR BACK PATIO
• WATER HEATER CLOSET
• AMPLE STORAGE SPACE
• AIR CONDITIONING SYSTEM

Property features AI

Finance

• Other: Located in the Victoria Heights subdivision; Enhanced accessible and grip-accessible features
• HOA & community: Homeowners association with annual fee (includes trash, snow removal, grounds and structure maintenance)

Exterior

• Parking: Assigned parking for 2 vehicles (parking behind the building)
• Security: Smoke detectors
• Utilities: Public water; Public sewer; 200+ amp electric service with circuit breakers; Cable available
• Home design: Condominium (residential); Single-story entry level; 1 story total; 2+ common walls
• Construction: Vinyl siding; Ducts professionally air-sealed; Slab foundation
• Exterior features: Patio; Other lot features; Paved private road with private maintenance

Interior

• Kitchen: Electric cooktop; Electric oven; Self-cleaning oven; Electric range; Refrigerator; Dishwasher; Microwave; Granite counters; Eat-in kitchen; Pantry
• Bedrooms: 4 total rooms (includes bedrooms and living spaces)
• Flooring: Vinyl flooring; Carpet
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Heat pump; Baseboard heating; Forced air; Electric heating; Cooling via heat pump
• Interior features: Pantry; Eat-in kitchen; Granite counters; Open floor plan; Wood window frames; Unfurnished
• Laundry & utility: Washer and dryer (stacked); In-unit laundry in hall on main level; Water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $180k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $212 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $180k).
• Cap rate 7.7% vs local median 3.6% in East Stroudsburg — 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 84/100 on livability (#108 in PA, #833 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+10.4%/yr); 199 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 83% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $50k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 2y 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 $179,900

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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.13% ✓
• Cap rate: 7.71%
• Cash-on-cash: 5.06%
• DSCR: 1.22
• GRM: 7.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -2.4%
• Equity multiple: 0.91×
• Total profit: $-4,735
• Equity at exit: $26,824

10-year hold

• IRR: 12.6%
• Equity multiple: 2.25×
• Total profit: $62,828
• Equity at exit: $15,554

Cash invested: $50,372 (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 18301

• Rents YoY: 10.4%
• Active inventory: 199
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $2,039 high
• Mortgage (P&I): −$943
• Tax est. 1.5%: −$225 /mo · $2,698/yr
• Insurance: −$75
• HOA: −$155
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $212

Break-even live

Break-even rent $1,770

Max offer price $179,900

Occupancy floor 85%

Sensitivity live

Price	-10% $337	-5% $274	+0% $212	+5% $150	+10% $88
Rent	-10% $51	-5% $132	+0% $212	+5% $293	+10% $373
Rate	-1.0pp $303	-0.5pp $258	base $212	+0.5pp $166	+1.0pp $118

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: $44,975
• Closing costs: $5,397
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
333 Greentree Dr East Stroudsburg, PA	2.0–3.0	1.5–2.5	1042	$2,047	$1.96	3d	4	0.20mi
106 Ridgeway St East Stroudsburg, PA	3.0	2.0	1326	$2,400	$1.81	45d	1	0.60mi
175 Prospect St Unit 175-R East Stroudsburg, PA	3.0	2.0	1278	$2,500	$1.96	45d	1	0.60mi
175 Prospect St Unit 175-1 East Stroudsburg, PA	2.0	1.0	928	$2,000	$2.16	45d	1	0.60mi
111 Fairview St East Stroudsburg, PA	3.0	1.0	1400	$2,100	$1.50	45d	1	0.70mi
296 Washington St Unit 3D East Stroudsburg, PA	1.0	1.0	700	$1,200	$1.71	45d	1	0.89mi

HOA detail condo

• Monthly dues: $155 · $1,860/yr
• Likely covers: water
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 10 events

1. 2026-06-01
   statusdays on market $179,900 Pending 13 DOM
2. 2026-05-31
   days on market $179,900 Active 12 DOM
3. 2026-05-30
   days on market $179,900 Active 11 DOM
4. 2026-05-15
   listed $179,900 Active
5. 2025-07-18
   historical $1,695
6. 2025-05-22
   listed $1,695
7. 2025-05-17
   historical $1,695
8. 2025-04-15
   listed $1,695
9. 2024-06-07
   historical $1,695
10. 2024-06-01
    listed $1,695

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $24,463
• − Mortgage interest: −$10,077
• − Property taxes: −$2,698
• − Insurance: −$900
• − Repairs & maintenance: −$1,957
• − Management: −$1,957
• − HOA: −$1,860
• − Depreciation: −$5,233
• Taxable loss: −$220
• Est. tax savings @ 24.0%: +$53
• After-tax cash flow: $2,599/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This well-maintained, move-in-ready condo features an open concept layout with fresh paint and new flooring, making it an attractive option for commuters and students.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value.
• Both New flooring in bathrooms — Fresh flooring can improve both resale and rental value.
• Both New window treatments — New window treatments can improve both resale and rental value by enhancing curb appeal and interior aesthetics.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhanced landscaping can increase both resale and rental value. ↑
• Both New flooring in bathrooms — Fresh flooring can improve both resale and rental value. ↑
• Both New window treatments — New window treatments can improve both resale and rental value by enhancing curb appeal and interior aesthetics. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — East Stroudsburg

• Score: 84/100
• State rank: #108
• US rank: #833

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Stroudsburg, PA
• County: Monroe County · 59,057 people
• City population: 28,977
• Metro: East Stroudsburg, PA
• Population (ZIP): 28,977
• Household income: $90,522
• Rent vs Own: 26.0% rent · 74.0% own
• Severe rent burden: 672.0

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 0.64)
• Race & ethnicity: White 53% Black 21% Hispanic / Latino 18% Two or more races 10% Asian 2%
• Hispanic origin (detail): Puerto Rican 8% Dominican 3%
• Common ancestry: Romanian 6% Lithuanian 3% Portuguese 1%
• Foreign-born: 12% · Canada, China, Jamaica
• Languages at home: 82% English-only · Spanish 9% Russian/Polish/Slavic 2% Other Indo-European 2%

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: ▼ -109.90%
• Current HPI: 154.4762
• Rent YoY: ▲ 10.44%
• Metro: East Stroudsburg, PA
• 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

+10513.6% since first listed

7 events — show timeline

• 2026-05-15 Listed $179,900 PMAR
• 2025-07-18 Rental Removed $1,695 Avail
• 2025-05-22 Listed for Rent $1,695 Avail
• 2025-05-17 Rental Removed $1,695 Avail
• 2025-04-15 Listed for Rent $1,695 Avail
• 2024-06-07 Rental Removed $1,695 Avail
• 2024-06-01 Listed for Rent $1,695 Avail