4774 Pine Ridge Dr W · Pine Ridge, PA 18324

$196,900

3 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 45 Days on market

Built 1978 0.47 ac lot $195/sqft · at area comps Est $197k · at est. $67/mo HOA · 3% of rent ↓ 10% since listing

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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 +20.0/30.0
• ARV discount +7.5/15.0
• Appreciation +6.8/10.0
• DSCR +6.3/10.0
• 1% rule +5.4/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

BRAND NEW ROOF INSTALLED , NEW DRAINFIELD INSTALLED FOR SEPTIC SYSTEM !!!!! Charming and budget-friendly, this delightful 3-bedroom ranch home is perfectly located right across the street from the community pool, basketball courts, baseball field, and clubhouse. This Community Features 24 hour security as well. Step inside to discover beautiful new laminate flooring throughout, complemented by a fresh coat of paint both inside and out. The appealing open floor plan creates a warm and inviting atmosphere, while the lovely front deck adds to the home's charm. Don't miss out on this amazing opportunity, located in an amenity rich community--call today to make it yours!

Key facts

• Clubhouse
• Community pool
• Baseball field

Tags

• NEW ROOF INSTALLED
• NEW DRAINFIELD INSTALLED
• COMMUNITY POOL
• BASKETBALL COURTS
• BASEBALL FIELD
• CLUBHOUSE

Property features AI

Finance

• Other: Located in the Pine Ridge subdivision; directions: Enter Pine Ridge, Right on Pocono Blvd, Left on Pine Ridge Dr W, home on the left across from the basketball courts
• HOA & community: Homeowners association with annual fee of $800 (about $66.67/month); Community amenities include tennis courts and a basketball court

Exterior

• Parking: Open parking with 3 spaces
• Utilities: Private water source; Septic tank for sewer; 200+ amp electric service
• Home design: Single-family house; One-story (above-grade finished area listed)
• Construction: Asphalt roof; Crawl space foundation
• Exterior features: Deck; Paved asphalt road access; Lot approximately 0.47 acres; Residential zoning

Interior

• Kitchen: Electric range; Dishwasher
• Bedrooms: 5 total rooms (includes bedrooms and living spaces)
• Flooring: Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard electric heating; No cooling system
• Interior features: Eat-in kitchen; Laminate countertops; Vaulted ceilings; Unfurnished
• Laundry & utility: Heating: Baseboard electric

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $197k.

Deal economics

• At list price, monthly cash flow is $241 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $197k).
• Recommended offer: $191k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 4.3% in Pine Ridge — 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 65/100 on livability (#1,098 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, schools F, amenities F.
• 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: 290 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($1k loan paydown + $7k appreciation (3.5% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.5% appreciation + 3.0% rent growth), your $55k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($191k) 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.

Risks & watch-outs

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

Recommended offer $190,993 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.04% ✓
• Cap rate: 7.76%
• Cash-on-cash: 5.25%
• DSCR: 1.23
• GRM: 8.0

CMA / ARV

• ARV (median comp): $196,704
• List price: $196,900
• Delta: 0.10%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4165 Pine Ridge Dr	0.31mi	3/1.0	1,000 (-1%)	3mo	$190,000	$190	82
6360 Bushkill Rd	0.13mi	2/1.0 (-1)	988 (-2%)	21mo	$370,000	$374	68
336 Pocono Blvd	0.55mi	3/1.5	1,008 (0%)	11mo	$165,000	$164	63
4320 E Pine Ridge Dr	0.58mi	3/1.0	1,008 (0%)	20mo	$195,000	$193	56
1081 Maple Lake Dr	0.69mi	3/1.0	960 (-5%)	10mo	$172,000	$179	51
124 Amos Cir	0.68mi	3/1.0	1,060 (+5%)	16mo	$110,000	$104	46
140 Davis Cir	0.74mi	3/1.0	1,100 (+9%)	6mo	$250,000	$227	46
2112 Fawn Ln	0.71mi	3/1.5	966 (-4%)	20mo	$229,900	$238	41
1093 Maple Lake Dr	0.65mi	2/1.5 (-1)	1,120 (+11%)	13mo	$160,000	$143	33

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

Projected returns pro-forma

3.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.7%
• Equity multiple: 1.81×
• Total profit: $44,455
• Equity at exit: $94,198

10-year hold

• IRR: 15.3%
• Equity multiple: 3.36×
• Total profit: $130,357
• Equity at exit: $149,736

Cash invested: $55,132 (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 18324

• Home prices YoY: 1.5%
• Active inventory: 290
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,057 medium
• Mortgage (P&I): −$1,033
• Tax from tax record: −$202 /mo · $2,427/yr
• Insurance: −$82
• HOA: −$67
• Vacancy / Maint / Mgmt: −$432
• Net cashflow: $241

Break-even live

Break-even rent $1,752

Max offer price $196,900

Occupancy floor 83%

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: $49,225
• Closing costs: $5,907
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Stag Ct S Bushkill, PA	2.0	1.0	987	$2,200	$2.23	1d	1	1.01mi
104 Condor Dr #1 Tamiment, PA	2.0	2.5	1308	$1,800	$1.38	24d	1	1.43mi

HOA detail

• Monthly dues: $67 · $804/yr
• Likely covers: poolsecurity

Listing history 23 events

1. 2026-06-19
   days on market $196,900 Active 45 DOM
2. 2026-06-18
   days on market $196,900 Active 44 DOM
3. 2026-06-17
   days on market $196,900 Active 43 DOM
4. 2026-06-16
   days on market $196,900 Active 42 DOM
5. 2026-06-15
   days on market $196,900 Active 41 DOM
6. 2026-06-14
   days on market $196,900 Active 39 DOM
7. 2026-06-13
   days on market $196,900 Active 38 DOM
8. 2026-06-10
   pricedays on market $196,900 Active 36 DOM
9. 2026-06-09
   days on market $199,900 Active 35 DOM
10. 2026-06-08
    days on market $199,900 Active 34 DOM
11. 2026-06-07
    days on market $199,900 Active 33 DOM
12. 2026-06-05
    days on market $199,900 Active 30 DOM
13. 2026-06-02
    days on market $199,900 Active 28 DOM
14. 2026-06-01
    days on market $199,900 Active 27 DOM
15. 2026-05-31
    days on market $199,900 Active 26 DOM
16. 2026-05-30
    days on market $199,900 Active 25 DOM
17. 2026-05-05
    listed $199,900 Active 675-char remark
18. 2026-04-01
    soldstatus $190,000
19. 2026-01-09
    status Pending
20. 2025-10-10
    price $190,000
21. 2025-09-16
    price $198,000
22. 2025-08-18
    price $199,000
23. 2025-08-09
    listed $219,900 Active

ⓘ 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: $2,427 · $202/mo
• Projected year-2 tax: $2,769 · $231/mo
• Expected delta: +$342/yr (+$28/mo · 14.1%)

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 70% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 6 d/yr ≥97°F today · 13 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: $24,686
• − Mortgage interest: −$11,029
• − Property taxes: −$2,427
• − Insurance: −$984
• − Repairs & maintenance: −$1,975
• − Management: −$1,975
• − HOA: −$804
• − Depreciation: −$5,728
• Taxable loss: −$237
• Est. tax savings @ 24.0%: +$57
• After-tax cash flow: $2,952/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: 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 — Pine Ridge

• Score: 65/100
• State rank: #1098
• US rank: #12434

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, PA
• Population (ZIP): 9,591

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 47% Hispanic / Latino 26% Black 21% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 12% Cuban 3% Dominican 5%
• Common ancestry: Romanian 2% Estonian 1% Lithuanian 1%
• Foreign-born: 19% · Canada, South Korea
• Languages at home: 69% English-only · Spanish 19% Russian/Polish/Slavic 4% French/Haitian/Cajun 3%

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: ▲ 3.51%
• Current HPI: 243.6754
• 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

-10.5% since first listed

8 events — show timeline

• 2026-06-09 Price Changed $196,900 PMAR
• 2026-05-05 Listed $199,900 PMAR
• 2026-04-01 Sold (Public Records) $190,000 Public Records
• 2026-01-09 Pending — PMAR
• 2025-10-10 Price Changed $190,000 PMAR
• 2025-09-16 Price Changed $198,000 PMAR
• 2025-08-18 Price Changed $199,000 PMAR
• 2025-08-09 Listed $219,900 PMAR

Property tax history

+1.0%/yr

Latest (2026): $2,427 · +1.6% YoY. Source: county tax records.