844 Crest Pines Ln · Pocono Pines, PA 18334

$235,000

3 bd · 2.5 ba · 1,470 sqft · Townhouse · 77 Days on market

Built 1984 Good condition 435 sqft lot $160/sqft · 16% below area Est $279k · 16% under $818/mo HOA · 35% of rent

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Why this score? — see what drove the D 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 +14.5/15.0
• 1% rule +5.0/10.0
• Cash flow +4.7/30.0
• Appreciation +4.5/10.0
• Schools +4.0/10.0
• Condition / age +3.8/5.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• DSCR +0.0/10.0

Listing remarks MLS

Welcome to 844 Crest Pine Drive, a beautifully positioned home in the sought-after Crest Pines Lake & Country Club--one of the Poconos' premier private communities. This property offers the perfect blend of modern comfort, resort-style amenities, and year-round lifestyle living. 18-Hole Golf Course - beautifully maintained and perfect for all skill levels Clubhouse - social events, dining, and community gatherings. Newly Constructed Pools - resort-style relaxation. Two Private Lakes with Beach Access - ideal for swimming, kayaking, and summer enjoyment. Located just minutes from the Poconos' top destinations: Kalahari Resort. Mount Airy CasinoCamelback Mountain & Ski Resort. Shopping, dining, and year-round attractions. .. This location makes it ideal for:Primary residence/Vacation home Investment / short-term rental opportunity.

Key facts

• Clubhouse
• 18 hole golf course
• $818 HOA

Tags

• 18 HOLE GOLF COURSE
• CLUBHOUSE
• NEWLY CONSTRUCTED POOLS

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $235k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-584 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $151k (36.0% below list).
• Meets the 1% rule at list price ($2k rent vs $235k).
• Recommended offer: $151k (36.0% below list) — sets the bar for cash-flow.
• Cap rate 3.3% vs local median 4.3% in Pocono Pines — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 74/100 on livability (#532 in PA, #4,925 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, crime A; Watch: health & safety D, amenities 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: 108 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.9%/yr); year-one equity from $2k of loan paydown is wiped out by about $2k 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.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($221k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: HOA is 35% of rent.

Recommended offer $150,510 (36.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 77 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
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. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 1.00% ✓
• Cap rate: 3.31%
• Cash-on-cash: -10.65%
• DSCR: 0.53
• GRM: 8.3

CMA / ARV

• ARV (median comp): $278,505
• List price: $235,000
• Delta: -15.62%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
513 Rondaxe Ln	0.14mi	3/2.5	1,488 (+1%)	3mo	$335,000	$225	89
823 Crest Pines Ln Ln	0.04mi	3/2.5	1,488 (+1%)	10mo	$299,000	$201	88
846 Crest Pines Ln	0.01mi	3/2.5	1,440 (-2%)	14mo	$230,000	$160	85
1055 Crestwoods Dr	0.08mi	3/2.5	1,440 (-2%)	10mo	$270,000	$188	84
833 Crest Pines Ln	0.04mi	3/2.5	1,440 (-2%)	16mo	$340,000	$236	81
423 Woods Lake Ln	0.06mi	3/2.5	1,488 (+1%)	16mo	$200,000	$134	81
1532 Assembly Lodge Ln	0.22mi	2/2.5 (-1)	1,468 (-0%)	10mo	$285,000	$194	76
1061 Crestwoods Dr	0.08mi	2/2.5 (-1)	1,631 (+11%)	4mo	$300,000	$184	70
325 Chickagami Ln	0.19mi	3/2.5	1,564 (+6%)	22mo	$240,000	$153	62

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

Projected returns pro-forma

-0.95% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -19.2%
• Equity multiple: 0.18×
• Total profit: $-53,791
• Equity at exit: $57,315

10-year hold

• IRR: -12.4%
• Equity multiple: -0.11×
• Total profit: $-72,826
• Equity at exit: $60,688

Cash invested: $65,800 (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 18334

• Home prices YoY: -0.5%
• Active inventory: 108
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,352 medium
• Mortgage (P&I): −$1,232
• Tax est. 1.5%: −$294 /mo · $3,525/yr
• Insurance: −$98
• HOA: −$818
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $-584

Break-even live

Break-even rent $3,091

Max offer price $150,510

Occupancy floor —

Sensitivity live

Price	-10% $-421	-5% $-503	+0% $-584	+5% $-665	+10% $-746
Rent	-10% $-770	-5% $-677	+0% $-584	+5% $-491	+10% $-398
Rate	-1.0pp $-466	-0.5pp $-524	base $-584	+0.5pp $-645	+1.0pp $-707

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $818 · $9,816/yr
• Likely covers: pool

Listing history 16 events

1. 2026-06-22
   days on market $235,000 Active 77 DOM
2. 2026-06-21
   days on market $235,000 Active 76 DOM
3. 2026-06-18
   days on market $235,000 Active 73 DOM
4. 2026-06-17
   days on market $235,000 Active 72 DOM
5. 2026-06-16
   days on market $235,000 Active 71 DOM
6. 2026-06-15
   days on market $235,000 Active 70 DOM
7. 2026-06-14
   days on market $235,000 Active 68 DOM
8. 2026-06-13
   days on market $235,000 Active 67 DOM
9. 2026-06-10
   days on market $235,000 Active 65 DOM
10. 2026-06-08
    days on market $235,000 Active 63 DOM
11. 2026-06-07
    days on market $235,000 Active 62 DOM
12. 2026-06-02
    days on market $235,000 Active 57 DOM
13. 2026-06-01
    days on market $235,000 Active 56 DOM
14. 2026-05-31
    days on market $235,000 Active 55 DOM
15. 2026-05-30
    days on market $235,000 Active 54 DOM
16. 2026-03-26
    listed $250,000 Active 856-char remark

    Show marketing remark (856 chars)

    Welcome to 844 Crest Pine Drive, a beautifully positioned home in the sought-after Crest Pines Lake & Country Club--one of the Poconos' premier private communities. This property offers the perfect blend of modern comfort, resort-style amenities, and year-round lifestyle living. 18-Hole Golf Course - beautifully maintained and perfect for all skill levels Clubhouse - social events, dining, and community gatherings. Newly Constructed Pools - resort-style relaxation. Two Private Lakes with Beach Access - ideal for swimming, kayaking, and summer enjoyment. Located just minutes from the Poconos' top destinations: Kalahari Resort. Mount Airy CasinoCamelback Mountain & Ski Resort. Shopping, dining, and year-round attractions. .. This location makes it ideal for:Primary residence/Vacation home Investment / short-term rental opportunity.

ⓘ 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 2/10 Low 7 d/yr ≥90°F today · 16 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: $28,225
• − Mortgage interest: −$13,164
• − Property taxes: −$3,525
• − Insurance: −$1,175
• − Repairs & maintenance: −$2,258
• − Management: −$2,258
• − HOA: −$9,816
• − Depreciation: −$6,836
• Taxable loss: −$10,807
• Est. tax savings @ 24.0%: +$2,594
• After-tax cash flow: $-4,413/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 · 2 photos

Good 75/100 Cosmetic rehab

This townhouse is in good condition with a good exterior and no major repairs needed. It has a good curb appeal and is located in a desirable community with amenities like a golf course and private lakes.

Value-add opportunities

• Both Paint the exterior — Fresh paint can enhance curb appeal and property value.
• Both Trim the landscaping — Well-maintained landscaping can improve curb appeal and property value.
• Both Clean the driveway — A clean driveway can make the property appear more inviting and well-maintained.

Renovation cost estimate screening

Value-add ROI direction

• Both Paint the exterior — Fresh paint can enhance curb appeal and property value. ↑
• Both Trim the landscaping — Well-maintained landscaping can improve curb appeal and property value. ↑
• Both Clean the driveway — A clean driveway can make the property appear more inviting and well-maintained. ↑

ⓘ 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 — Pocono Pines

• Score: 74/100
• State rank: #532
• US rank: #4925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pocono Pines, PA
• City population: 595
• Population (ZIP): 4,907

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: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 20% Two or more races 12% Black 9%
• Hispanic origin (detail): Puerto Rican 17%
• Common ancestry: Romanian 6% Lithuanian 4% Iranian 4%
• Foreign-born: 8% · Canada
• Languages at home: 87% English-only · Spanish 10% Russian/Polish/Slavic 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: ▼ -0.95%
• Current HPI: 178.5307
• 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

1 event — show timeline

• 2026-03-26 Listed $250,000 PMAR