238 Evergreen Ct · Mount Pocono, PA 18372

$210,900

3 bd · 2.0 ba · 1,260 sqft · Townhouse · 7 Days on market

Built 1982 Average condition 1,306 sqft lot $167/sqft · 21% below area Est $268k · 21% under $172/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).

• ARV discount +15.0/15.0
• Cash flow +13.5/30.0
• Appreciation +5.0/10.0
• 1% rule +4.8/10.0
• DSCR +4.1/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Condition / age +2.8/5.0
• Rent growth +2.5/5.0

Listing remarks

Beautiful 3 bedroom 2 full bathroom townhouse situated next to Camelback Resort in the beautiful Poconos for sale! Modern chalet style townhouse is perfect to take in all the Poconos has to offer or if getting away for the weekend or seasonally is more your speed. Spend your nights relaxing after a long day of skiing inside or w/ a hot beverage on the elevated deck looking out at the mountain. Also comes with plenty of off street parking.

Key facts

• Off street parking
• Elevated deck
• $172 HOA

Tags

• ELEVATED DECK
• OFF STREET PARKING

Property features AI

Finance

• Other: Zoning: Commercial (C); Subdivision: Mountain View Village
• HOA & community: Homeowners association with annual fee ($2,069) covering trash; Association amenity: ski accessible

Exterior

• Parking: Attached carport (1 space); Open parking (2 spaces); Parking lot
• Utilities: Well water; Septic tank; 200+ amp electric service
• Home design: Residential townhouse (attached, end unit); Northeast-facing
• Construction: House construction; Asphalt construction materials; Asphalt/shingle roof; Slab foundation; Built area above grade: 1,260
• Exterior features: Patio; Rear porch; Deck; Gravel road access; Private maintained road; Private road frontage

Interior

• Kitchen: Electric oven; Electric range; Refrigerator; Dishwasher; Range hood
• Bedrooms: 7 total rooms (includes bedrooms and living spaces)
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating (electric); Wall unit cooling
• Interior features: Breakfast bar; Eat-in kitchen; Laminate counters; Cathedral ceilings; High ceilings; Wood-burning fireplace
• Laundry & utility: Washer and dryer; Laundry on main level; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $211k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $8 ($94/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $207k (1.7% below list).
• Recommended offer: $207k (1.7% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 5.1% in Mount Pocono — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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: 93 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($1k loan paydown + $-36 appreciation (-0.0% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

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

Recommended offer $207,259 (1.7% below list)

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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.98% ✗
• Cap rate: 6.34%
• Cash-on-cash: 0.16%
• DSCR: 1.01
• GRM: 8.5

CMA / ARV

• ARV (median comp): $268,225
• List price: $210,900
• Delta: -21.37%
• Verdict: UNDERPRICED
• Comps: 9 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
228 Evergreen Ct	0.03mi	3/2.0	1,260 (0%)	13mo	$235,000	$187	88
147 Ridge Dr	0.10mi	3/2.0	1,260 (0%)	10mo	$225,000	$179	87
16 Ski Side Ct	0.66mi	2/2.0 (-1)	1,136 (-10%)	8mo	$280,000	$246	41

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

Projected returns pro-forma

-0.02% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.1%
• Equity multiple: 0.90×
• Total profit: $-5,702
• Equity at exit: $61,058

10-year hold

• IRR: 3.7%
• Equity multiple: 1.40×
• Total profit: $23,712
• Equity at exit: $73,250

Cash invested: $59,052 (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 →

ZIP-level market 18372

• Home prices YoY: -0.0%
• Active inventory: 93
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $2,073 medium
• Mortgage (P&I): −$1,106
• Tax est. 1.5%: −$264 /mo · $3,164/yr
• Insurance: −$88
• HOA: −$172
• Vacancy / Maint / Mgmt: −$435
• Net cashflow: $8

Break-even live

Break-even rent $2,063

Max offer price $210,900

Occupancy floor 95%

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: $52,725
• Closing costs: $6,327
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
228 Evergreen Ct Tannersville, PA	3.0	2.0	1260	$2,000	$1.59	44d	1	0.06mi
221 Cross Country Ln Tannersville, PA	3.0	2.0	1425	$1,900	$1.33	44d	1	1.12mi
126 Snyder Ln Scotrun, PA	3.0	2.5	1854	$3,500	$1.89	44d	1	1.30mi
371 Linden Ct Tannersville, PA	3.0	2.0	1437	$2,250	$1.57	44d	1	1.33mi

HOA detail

• Monthly dues: $172 · $2,064/yr

Listing history 1 events

1. 2026-05-14
   listed $210,900 Active 442-char remark

ⓘ 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 6/10 Major FEMA zone X (unshaded) · 74% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥93°F today · 17 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $24,871
• − Mortgage interest: −$11,814
• − Property taxes: −$3,164
• − Insurance: −$1,054
• − Repairs & maintenance: −$1,990
• − Management: −$1,990
• − HOA: −$2,064
• − Depreciation: −$6,135
• Taxable loss: −$3,339
• Est. tax savings @ 24.0%: +$801
• After-tax cash flow: $896/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 · 24 photos

Average 55/100 Cosmetic rehab

This townhouse is in average condition with cosmetic repairs needed. Upgrading the kitchen and bathrooms, along with landscaping improvements, would significantly increase its resale and rental value.

Repairs flagged

• Minor Kitchen cabinets — Light wear and tear
• Minor Kitchen countertops — Light wear and tear
• Minor Bathroom fixtures — Light wear and tear
• Minor Landscaping — Overgrown areas

Value-add opportunities

• Resale Painting and updating kitchen cabinets and countertops — Fresh paint and updated cabinets and countertops would enhance the home's appeal.
• Both Landscaping improvements — Improved landscaping would enhance curb appeal and increase property value.
• Resale Kitchen appliances — Upgrading to modern appliances would attract more buyers.
• Resale Bathroom fixtures — Upgrading to modern fixtures would attract more buyers.
• Rental HVAC maintenance — A well-maintained HVAC system would attract more renters and reduce utility costs.
• Both Landscaping improvements — Improved landscaping would enhance curb appeal and increase property value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Light wear and tear	Minor	$500–3,000
Kitchen countertops · Light wear and tear	Minor	$500–3,000
Bathroom fixtures · Light wear and tear	Minor	$500–3,000
Landscaping · Overgrown areas	Minor	$500–3,000
Total estimated repair cost · 4 items		$2,000–12,000

Value-add ROI direction

• Resale Painting and updating kitchen cabinets and countertops — Fresh paint and updated cabinets and countertops would enhance the home's appeal. ↑
• Both Landscaping improvements — Improved landscaping would enhance curb appeal and increase property value. ↑
• Resale Kitchen appliances — Upgrading to modern appliances would attract more buyers. ↑
• Resale Bathroom fixtures — Upgrading to modern fixtures would attract more buyers. ↑
• Rental HVAC maintenance — A well-maintained HVAC system would attract more renters and reduce utility costs. ↑
• Both Landscaping improvements — Improved landscaping would enhance curb appeal and increase property value. ↑

ⓘ 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: 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

• Population (ZIP): 3,397

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 0.61)
• Race & ethnicity: White 60% Black 11% Hispanic / Latino 10% Two or more races 8% Asian 5%
• Hispanic origin (detail): Puerto Rican 9%
• Common ancestry: Romanian 7% Russian 3% Slovak 2%
• Foreign-born: 9% · Canada
• Languages at home: 78% English-only · Other Indo-European 12% Chinese 7% Spanish 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: ▬ -0.02%
• Current HPI: 147.7957
• 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

2 events — show timeline

• 2026-05-21 Pending — PMAR
• 2026-05-14 Listed $210,900 PMAR