14 Villas Rd #103 · Mount Pocono, PA 18344

$169,000

2 bd · 1.5 ba · 1,024 sqft · Condo public records · 123 Days on market

Built 1976 $255/mo HOA · 14% 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 +16.2/30.0
• ARV discount +7.5/15.0
• 1% rule +5.9/10.0
• Appreciation +5.3/10.0
• DSCR +5.0/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

* * The seller has accepted an offer and is currently only considering backup offers at this time! * * Welcome to this well-situated unit in a desirable Pocono location, offering the perfect balance of convenience and tranquility. Enjoy easy access to nearby attractions and shopping while still being able to relax and take in the peaceful mountain setting from the back deck. Inside, the home features an eat-in kitchen, a spacious living room with sliding doors leading outside, two comfortable bedrooms with ample closet space, and main-floor laundry. The interior has been refreshed with new flooring and freshly painted walls, making the unit truly move-in ready. Additional storage is available in the basement. Settle in and enjoy easy, low-maintenance living in the Poconos. SOLD AS-IS

Key facts

• Pocono location
• New flooring
• Eat-in kitchen

Tags

• POCONO LOCATION
• EAT-IN KITCHEN
• SPACIOUS LIVING ROOM
• MAIN-FLOOR LAUNDRY
• NEW FLOORING
• FRESHLY PAINTED WALLS

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $169k.

Deal economics

• At list price, monthly cash flow is $23 ($271/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $169k).
• Recommended offer: $149k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.9% vs local median 5.2% in Mount Pocono — 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 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools 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: 47 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $1k appreciation (0.6% 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 (0.6% appreciation + 3.0% rent growth), your $47k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 123 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.
• 2 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.
• Current owner paid $138k; 22% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $148,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 123 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 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
9. 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.
10. 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.
11. 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: 1.09% ✓
• Cap rate: 6.92%
• Cash-on-cash: 2.26%
• DSCR: 1.10
• GRM: 7.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

0.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 0.8%
• Equity multiple: 1.04×
• Total profit: $1,763
• Equity at exit: $54,475

10-year hold

• IRR: 5.8%
• Equity multiple: 1.68×
• Total profit: $32,234
• Equity at exit: $69,965

Cash invested: $47,320 (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 18344

• Home prices YoY: 0.3%
• Active inventory: 47
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,846 medium
• Mortgage (P&I): −$886
• Tax from tax record: −$157 /mo · $1,889/yr
• Insurance: −$70
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$255
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $23

Break-even live

Break-even rent $1,817

Max offer price $169,000

Occupancy floor 94%

Sensitivity live

Price	-10% $118	-5% $70	+0% $23	+5% $-25	+10% $-73
Rent	-10% $-123	-5% $-50	+0% $23	+5% $95	+10% $168
Rate	-1.0pp $108	-0.5pp $66	base $23	+0.5pp $-21	+1.0pp $-66

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
145 Snowshoe Ct Unit 204 Mt Pocono, PA	3.0	2.0	1152	$1,800	$1.56	45d	1	0.63mi
3222 Evergreen Cir Unit B Tobyhanna, PA	3.0	2.0	1300	$1,950	$1.50	46d	1	1.28mi

HOA detail condo

• Monthly dues: $255 · $3,060/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 10 events

1. 2026-06-02
   days on market $169,000 Active 123 DOM
2. 2026-06-01
   days on market $169,000 Active 122 DOM
3. 2026-05-31
   days on market $169,000 Active 121 DOM
4. 2026-05-30
   days on market $169,000 Active 120 DOM
5. 2026-03-14
   status Active 797-char remark

   Show marketing remark (797 chars)

   * * The seller has accepted an offer and is currently only considering backup offers at this time! * * Welcome to this well-situated unit in a desirable Pocono location, offering the perfect balance of convenience and tranquility. Enjoy easy access to nearby attractions and shopping while still being able to relax and take in the peaceful mountain setting from the back deck. Inside, the home features an eat-in kitchen, a spacious living room with sliding doors leading outside, two comfortable bedrooms with ample closet space, and main-floor laundry. The interior has been refreshed with new flooring and freshly painted walls, making the unit truly move-in ready. Additional storage is available in the basement. Settle in and enjoy easy, low-maintenance living in the Poconos. SOLD AS-IS

6. 2026-03-10
   status Pending 797-char remark

   Show marketing remark (797 chars)

   * * The seller has accepted an offer and is currently only considering backup offers at this time! * * Welcome to this well-situated unit in a desirable Pocono location, offering the perfect balance of convenience and tranquility. Enjoy easy access to nearby attractions and shopping while still being able to relax and take in the peaceful mountain setting from the back deck. Inside, the home features an eat-in kitchen, a spacious living room with sliding doors leading outside, two comfortable bedrooms with ample closet space, and main-floor laundry. The interior has been refreshed with new flooring and freshly painted walls, making the unit truly move-in ready. Additional storage is available in the basement. Settle in and enjoy easy, low-maintenance living in the Poconos. SOLD AS-IS

7. 2026-01-24
   listed $169,000 Active 797-char remark

   Show marketing remark (797 chars)

   * * The seller has accepted an offer and is currently only considering backup offers at this time! * * Welcome to this well-situated unit in a desirable Pocono location, offering the perfect balance of convenience and tranquility. Enjoy easy access to nearby attractions and shopping while still being able to relax and take in the peaceful mountain setting from the back deck. Inside, the home features an eat-in kitchen, a spacious living room with sliding doors leading outside, two comfortable bedrooms with ample closet space, and main-floor laundry. The interior has been refreshed with new flooring and freshly painted walls, making the unit truly move-in ready. Additional storage is available in the basement. Settle in and enjoy easy, low-maintenance living in the Poconos. SOLD AS-IS

8. 2023-02-09
   soldstatus $138,000
9. 2007-07-11
   soldstatus $85,000
10. 1984-07-16
    soldstatus $40,000

ⓘ 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: $1,889 · $157/mo
• Projected year-2 tax: $2,280 · $190/mo
• Expected delta: +$391/yr (+$33/mo · 20.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $22,148
• − Mortgage interest: −$9,467
• − Property taxes: −$1,889
• − Insurance: −$1,642
• − Repairs & maintenance: −$1,772
• − Management: −$1,772
• − HOA: −$3,060
• − Depreciation: −$4,916
• Taxable loss: −$2,370
• Est. tax savings @ 24.0%: +$569
• After-tax cash flow: $839/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 — Mount Pocono

• Score: 77/100
• State rank: #362
• US rank: #3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mount Pocono, PA
• Population (ZIP): 3,472

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 47% Hispanic / Latino 22% Black 15% Asian 9% Two or more races 8%
• Hispanic origin (detail): Puerto Rican 7% Dominican 1%
• Common ancestry: Romanian 3% Italian 2% Hispanic 1%
• Foreign-born: 17% · Canada
• Languages at home: 67% English-only · Spanish 19% Other Indo-European 7% Tagalog/Filipino 3%

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: ▲ 0.63%
• Current HPI: 179.2541
• 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

+322.5% since first listed

6 events — show timeline

• 2026-03-14 Relisted — PMAR
• 2026-03-10 Pending — PMAR
• 2026-01-24 Listed $169,000 PMAR
• 2023-02-09 Sold (Public Records) $138,000 Public Records
• 2007-07-11 Sold (Public Records) $85,000 Public Records
• 1984-07-16 Sold (Public Records) $40,000 Public Records

Property tax history

-3.4%/yr

Latest (2026): $1,889 · +2.9% YoY. Source: county tax records.