116 Northwood Ter · Lake, PA 18436

$235,900

4 bd · 2.0 ba · 1,658 sqft · SingleFamily public records · 215 Days on market

Built 1975 Good condition 0.37 ac lot $142/sqft · 16% below area Est $281k · 16% under $189/mo HOA · 8% of rent

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Why this score? — see what drove the B- 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 +18.3/30.0
• ARV discount +14.7/15.0
• Appreciation +10.0/10.0
• DSCR +5.8/10.0
• 1% rule +5.3/10.0
• Schools +4.9/10.0
• Condition / age +3.8/5.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0

Listing remarks MLS

PRICE IMPROVEMENT and brand new roof! Enjoy easy living in this spacious and bright ranch home in the heart of the Poconos! Featuring true one-level living, this home offers an open floor plan with a huge living area perfect for entertaining or relaxing. Sunlight pours in throughout the home, complemented by brand new window treatments in every room, adding a fresh and modern touch. Located in the gated recreational community of The Hideout, you'll have access to incredible amenities including lakes, pools, beaches, a golf course, ski hill, restaurant, bar, tiki bar, and fitness center. Whether you're looking for a full-time residence or a weekend escape, this home offers comfort, convenience, and the ultimate Poconos lifestyle!

Key facts

• Open floor plan
• Access to amenities
• One-level living

Tags

• ONE-LEVEL LIVING
• OPEN FLOOR PLAN
• HUGE LIVING AREA
• GATED RECREATIONAL COMMUNITY
• ACCESS TO AMENITIES
• LAKES

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $236k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $218 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $236k).
• Recommended offer: $208k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.4% vs local median 4.2% in 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: area grade B — 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.
• Zoned schools: Evergreen El Sch (math 42% / reading 68%, grade C, #498 of 1,518 statewide, top 33%, 506 students, 64% FRL); Western Wayne Ms (math 21% / reading 61%, grade F, #243 of 512 statewide, top 48%, 411 students, 57% FRL); Western Wayne Hs (math 77% / reading 24%, grade D+, #125 of 437 statewide, top 30%, 545 students, 49% FRL) — zoned schools average 56% FRL vs 41% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 573 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).
• This rent runs 40% of the median local income ($73k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $25k of equity ($2k loan paydown + $24k appreciation (10.0% 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 (10.0% appreciation + 3.0% rent growth), your $66k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 215 days — a 12% lower offer ($208k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $105k; list at $236k implies a 125% gain — meaningful room to come down on a strong offer.

Recommended offer $207,592 (12.0% below list)

Questions for the listing agent

1. It's been on market 215 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.03% ✓
• Cap rate: 7.40%
• Cash-on-cash: 3.96%
• DSCR: 1.18
• GRM: 8.1

CMA / ARV

• ARV (median comp): $280,851
• List price: $235,900
• Delta: -16.01%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
18 Rockway Rd #2660	0.26mi	3/2.0 (-1)	1,592 (-4%)	3mo	$275,000	$173	74
43 Boulder Rd	0.28mi	3/2.0 (-1)	1,680 (+1%)	10mo	$304,000	$181	71
3421 Laurel Pt	0.22mi	5/2.0 (+1)	1,817 (+10%)	3mo	$177,200	$98	66
2745 Boulder Rd #143	0.36mi	3/3.0 (-1)	1,691 (+2%)	7mo	$239,000	$141	65
2659 Rockway Rd	0.23mi	3/2.0 (-1)	1,490 (-10%)	6mo	$249,500	$167	62
127 Northwood Ter	0.08mi	3/2.0 (-1)	1,848 (+12%)	15mo	$280,000	$152	60
15 Laurel Pt	0.27mi	3/2.0 (-1)	1,514 (-9%)	10mo	$369,500	$244	59
104 Rockway Road Rd	0.37mi	3/2.0 (-1)	1,801 (+9%)	15mo	$282,000	$157	51
22 Boulder Ct	0.44mi	3/3.0 (-1)	1,805 (+9%)	7mo	$360,000	$199	50
64 High Point Dr	0.65mi	3/2.5 (-1)	1,568 (-5%)	8mo	$325,000	$207	47
64 Highpoint Dr Lot 2232	0.65mi	3/2.5 (-1)	1,568 (-5%)	8mo	$325,000	$207	46
278 North Gate Rd	0.49mi	3/3.0 (-1)	1,816 (+10%)	8mo	$315,000	$173	46

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: 27.1%
• Equity multiple: 3.16×
• Total profit: $142,422
• Equity at exit: $212,517

10-year hold

• IRR: 23.7%
• Equity multiple: 7.19×
• Total profit: $408,662
• Equity at exit: $458,302

Cash invested: $66,052 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 17 active · 17 under contract
• Months of supply: 7.8 mo (13%/mo absorbed)
• Median asking: $319,900 ($182/sqft)
• Median days on market: 57 d
• This list price: 12% of active listings are priced below it
• ARV vs active asking: -7.1% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 18436

• Home prices YoY: 16.9%
• Active inventory: 573
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,425 medium
• Mortgage (P&I): −$1,237
• Tax from tax record: −$174 /mo · $2,088/yr
• Insurance: −$98
• HOA: −$189
• Vacancy / Maint / Mgmt: −$509
• Net cashflow: $218

Break-even live

Break-even rent $2,150

Max offer price $235,900

Occupancy floor 86%

Sensitivity live

Price	-10% $351	-5% $284	+0% $218	+5% $151	+10% $84
Rent	-10% $26	-5% $122	+0% $218	+5% $314	+10% $409
Rate	-1.0pp $337	-0.5pp $278	base $218	+0.5pp $157	+1.0pp $94

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: $58,975
• Closing costs: $7,077
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3308 Northgate Rd Lot 3308 Lake Ariel, PA	3.0	2.0	1269	$2,200	$1.73	0d	1	0.09mi
8 Millwood Pl Lake Ariel, PA	3.0	3.0	2144	$2,800	$1.31	0d	1	0.75mi
2174 Lakeview Dr E Lake Ariel, PA	4.0	3.5	1390	$4,500	$3.24	28d	1	0.84mi
100 Splitrail Ln Lake Ariel, PA	3.0	2.0	1380	$1,500	$1.09	0d	1	1.05mi

HOA detail $189/mo · $2,268/yr

• Likely covers: poolgymsecurity

Listing history 50 events

1. 2026-10-19
   days on market $235,900 Active 215 DOM
2. 2026-10-18
   days on market $235,900 Active 214 DOM
3. 2026-10-17
   days on market $235,900 Active 213 DOM
4. 2026-10-16
   days on market $235,900 Active 212 DOM
5. 2026-10-15
   days on market $235,900 Active 211 DOM
6. 2026-10-14
   days on market $235,900 Active 210 DOM
7. 2026-10-13
   days on market $235,900 Active 209 DOM
8. 2026-10-12
   days on market $235,900 Active 208 DOM
9. 2026-10-11
   days on market $235,900 Active 207 DOM
10. 2026-10-10
    days on market $235,900 Active 206 DOM
11. 2026-10-09
    days on market $235,900 Active 205 DOM
12. 2026-10-08
    days on market $235,900 Active 204 DOM
13. 2026-10-07
    days on market $235,900 Active 203 DOM
14. 2026-10-07
    price $235,900 Active 202 DOM
15. 2026-10-06
    days on market $249,000 Active 202 DOM
16. 2026-10-05
    days on market $249,000 Active 201 DOM
17. 2026-10-04
    days on market $249,000 Active 200 DOM
18. 2026-10-03
    days on market $249,000 Active 199 DOM
19. 2026-10-02
    days on market $249,000 Active 198 DOM
20. 2026-10-01
    days on market $249,000 Active 197 DOM
21. 2026-09-30
    days on market $249,000 Active 196 DOM
22. 2026-09-29
    days on market $249,000 Active 195 DOM
23. 2026-09-28
    days on market $249,000 Active 194 DOM
24. 2026-09-27
    days on market $249,000 Active 193 DOM
25. 2026-09-26
    days on market $249,000 Active 192 DOM
26. 2026-09-25
    days on market $249,000 Active 191 DOM
27. 2026-09-24
    days on market $249,000 Active 190 DOM
28. 2026-09-24
    days on market $249,000 Active 189 DOM
29. 2026-09-22
    days on market $249,000 Active 188 DOM
30. 2026-09-21
    days on market $249,000 Active 187 DOM
31. 2026-09-20
    days on market $249,000 Active 186 DOM
32. 2026-09-18
    days on market $249,000 Active 184 DOM
33. 2026-09-17
    days on market $249,000 Active 183 DOM
34. 2026-09-16
    days on market $249,000 Active 182 DOM
35. 2026-09-15
    days on market $249,000 Active 181 DOM
36. 2026-09-14
    days on market $249,000 Active 180 DOM
37. 2026-09-13
    days on market $249,000 Active 179 DOM
38. 2026-09-12
    days on market $249,000 Active 178 DOM
39. 2026-09-11
    days on market $249,000 Active 177 DOM
40. 2026-09-05
    days on market $249,000 Active 171 DOM
41. 2026-09-04
    days on market $249,000 Active 170 DOM
42. 2026-09-03
    days on market $249,000 Active 169 DOM
43. 2026-08-31
    days on market $249,000 Active 166 DOM
44. 2026-08-30
    days on market $249,000 Active 165 DOM
45. 2026-08-29
    days on market $249,000 Active 164 DOM
46. 2026-08-28
    days on market $249,000 Active 163 DOM
47. 2026-08-27
    days on market $249,000 Active 162 DOM
48. 2026-08-25
    days on market $249,000 Active 160 DOM
49. 2026-08-24
    days on market $249,000 Active 159 DOM
50. 2026-08-23
    days on market $249,000 Active 158 DOM

ⓘ 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: $2,088 · $174/mo
• Projected year-2 tax: $2,907 · $242/mo
• Expected delta: +$820/yr (+$68/mo · 39.3%)

ⓘ 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 2/10 Low 7 d/yr ≥90°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $29,105
• − Mortgage interest: −$13,214
• − Property taxes: −$2,088
• − Insurance: −$1,180
• − Repairs & maintenance: −$2,328
• − Management: −$2,328
• − HOA: −$2,268
• − Depreciation: −$6,863
• Taxable loss: −$1,164
• Est. tax savings @ 24.0%: +$279
• After-tax cash flow: $2,892/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 · 9 photos

Good 75/100 Cosmetic rehab Est. rehab $8,290–$24,870 screening

This single-family home in The Hideout PA is in good condition with a good roof and exterior. It offers a spacious and bright living area with an open floor plan, perfect for entertaining or relaxing. The home is located in a gated recreational community with access to various amenities, making it an ideal full-time residence or weekend escape.

Components & finishes AI

Roof tile · good Flooring wood

Deferred maintenance Est. $2,500–$10,000 screening

• Minor Roof (roof) — No visible signs of damage or wear
• Minor Windows (windows) — No visible signs of damage or wear
• Minor Electrical (electrical) — No visible signs of damage or wear
• Minor Plumbing (plumbing) — No visible signs of damage or wear
• Minor Exterior (exterior) — No visible signs of damage or wear

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Clean gutters — Improves drainage and prevents water damage ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 49/100

Zoned Schools

Elementary Evergreen El Sch C PA #498/1,518 Nat'l #9,637/41,679 Middle Western Wayne Ms F PA #243/512 Nat'l #5,727/14,009 High Western Wayne Hs D+ PA #125/437 Nat'l #5,376/17,239

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 — Lake

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

Census & demographics

• Census place: The Hideout, PA
• County: Wayne · 47,924 people
• Population (ZIP): 13,225
• Household income: $73,209
• Rent vs Own: 11.7% rent · 88.3% own

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Russian/Polish/Slavic 1% Spanish 1%

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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: ▲ 47.95%
• Current HPI: 331.9645
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.68%
• F500 in state: 34

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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

+112.0% since first listed

5 events — show timeline

• 2026-04-22 Price Changed $265,000 PWMLS
• 2026-03-18 Listed $275,000 PWMLS
• 2018-11-15 Sold (Public Records) $105,000 Public Records
• 2015-06-22 Sold (Public Records) $90,000 Public Records
• 2007-10-31 Sold (Public Records) $125,000 Public Records

Property tax history

+0.9%/yr

Latest (2026): $2,088 · +3.0% YoY. Source: county tax records.