2320 Elmhurst Rd · Saw Creek, PA 18302

$220,000

3 bd · 1.5 ba · 1,092 sqft · SingleFamily public records · 7 Days on market

Built 1998 4,356 sqft lot Est $197k · 12% over $73/mo HOA · 3% 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 +26.7/30.0
• DSCR +9.1/10.0
• 1% rule +7.5/10.0
• Schools +3.0/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.1/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

* Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

Key facts

• Close to restaurants
• Newer roof
• Fresh interior paint

Tags

• NEWER ROOF
• FRESH INTERIOR PAINT
• MINUTES FROM SHOPPING
• CLOSE TO RESTAURANTS
• MAJOR COMMUTER ROUTES
• HIKING

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $594 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $220k).
• Cap rate 9.5% vs local median 4.3% in Saw Creek — 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 59/100 on livability (#1,538 in PA) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, health & safety D, schools 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: 271 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $62k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 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.

Recommended offer $220,000

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: 1.25% ✓
• Cap rate: 9.53%
• Cash-on-cash: 11.57%
• DSCR: 1.51
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $196,560
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2313 Elmhurst Rd	0.04mi	3/1.0	1,181 (+8%)	10mo	$111,000	$94	74
2542 Castor Rd	0.16mi	3/2.0	1,110 (+2%)	21mo	$200,000	$180	71
340 Carnation Rd	0.58mi	3/2.0	1,248 (+14%)	12mo	$293,000	$235	37
619 Koritia Rd	0.69mi	3/1.0	1,224 (+12%)	12mo	$210,000	$172	36

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

Projected returns pro-forma

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

5-year hold

• IRR: 1.0%
• Equity multiple: 1.04×
• Total profit: $2,241
• Equity at exit: $32,803

10-year hold

• IRR: 10.6%
• Equity multiple: 1.83×
• Total profit: $50,957
• Equity at exit: $19,022

Cash invested: $61,600 (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 18302

• Home prices YoY: -20.6%
• Active inventory: 271
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $2,750 medium
• Mortgage (P&I): −$1,154
• Tax from tax record: −$260 /mo · $3,125/yr
• Insurance: −$92
• HOA: −$73
• Vacancy / Maint / Mgmt: −$578
• Net cashflow: $594

Break-even live

Break-even rent $1,998

Max offer price $220,000

Occupancy floor 73%

Sensitivity live

Price	-10% $718	-5% $656	+0% $594	+5% $531	+10% $469
Rent	-10% $376	-5% $485	+0% $594	+5% $702	+10% $811
Rate	-1.0pp $704	-0.5pp $650	base $594	+0.5pp $537	+1.0pp $479

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: $55,000
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6281 Lakeshore Dr E East Stroudsburg, PA	3.0	2.5	1450	$2,750	$1.90	44d	1	0.82mi

HOA detail

• Monthly dues: $73 · $876/yr

Listing history 15 events

1. 2026-04-30
   soldstatus $220,000
2. 2026-04-29
   soldstatus $220,000 Closed 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

3. 2026-04-29
   soldstatus $220,000 Closed 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

4. 2026-03-18
   status Pending

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

5. 2026-03-18
   status Pending 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

6. 2026-03-17
   status Pending 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

7. 2026-03-11
   listed $220,000 Active 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

8. 2026-03-11
   listed $220,000 Active 1143-char remark

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

9. 2026-03-11
   listed $220,000 Active

   Show marketing remark (1143 chars)

   * Highest & best due Monday, 3/16 @ 8pm * Welcome to 2320 Elmhurst Rd in East Stroudsburg - a great opportunity to own a home in the heart of the Pocono Mountains. This 3-bedroom, 1.5-bath property offers approximately 1,500 square feet of living space and a functional layout ready for its next chapter. The home has already seen some recent improvements including a newer roof and fresh interior paint, giving buyers a solid starting point to make it their own. Whether you're a first-time home buyer, someone looking for a weekend Pocono retreat, or an investor searching for your next project, this property offers plenty of potential with room to add value over time. With a little vision and finishing touches, this home could truly shine. Located just minutes from shopping, restaurants, and major commuter routes, you'll also be close to everything that makes the Poconos such a desirable place to live and visit. Enjoy hiking, lakes, skiing, state parks, and year-round outdoor recreation all within a short drive. Just in time for spring, this is a great opportunity to get into the Pocono market and create something special.

10. 2017-08-18
    soldstatus $30,300
11. 2017-05-26
    soldstatus $2,329
12. 2002-11-01
    soldstatus $98,000
13. 2002-08-27
    soldstatus $1,805
14. 1996-09-24
    soldstatus $13,500
15. 1992-01-07
    soldstatus $11,000

ⓘ 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: $3,125 · $260/mo
• Projected year-2 tax: $3,301 · $275/mo
• Expected delta: +$175/yr (+$15/mo · 5.6%)

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

Taxation est. · year 1

• Rental income: $33,000
• − Mortgage interest: −$12,323
• − Property taxes: −$3,125
• − Insurance: −$1,100
• − Repairs & maintenance: −$2,640
• − Management: −$2,640
• − HOA: −$876
• − Depreciation: −$6,400
• Taxable income: $3,895
• Est. tax owed @ 24.0%: −$935
• After-tax cash flow: $6,190/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 — Saw Creek

• Score: 59/100
• State rank: #1538
• US rank: #20241

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 17,593

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 0.63)
• Race & ethnicity: White 53% Hispanic / Latino 24% Black 17% Two or more races 12% Asian 2%
• Hispanic origin (detail): Puerto Rican 8% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 13% · Canada, Jamaica
• Languages at home: 79% English-only · Spanish 13% Other Indo-European 2% French/Haitian/Cajun 2%

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: ▼ -41.00%
• Current HPI: 157.9833
• 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

+1900.0% since first listed

15 events — show timeline

• 2026-04-30 Sold (Public Records) $220,000 Public Records
• 2026-04-29 Sold (MLS) $220,000 GLVRMLS
• 2026-04-29 Sold (MLS) $220,000 BRIGHT MLS
• 2026-03-18 Pending — PMAR
• 2026-03-18 Pending — BRIGHT MLS
• 2026-03-17 Pending — GLVRMLS
• 2026-03-11 Listed $220,000 PMAR
• 2026-03-11 Listed $220,000 GLVRMLS
• 2026-03-11 Listed $220,000 BRIGHT MLS
• 2017-08-18 Sold (Public Records) $30,300 Public Records
• 2017-05-26 Sold (Public Records) $2,329 Public Records
• 2002-11-01 Sold (Public Records) $98,000 Public Records
• 2002-08-27 Sold (Public Records) $1,805 Public Records
• 1996-09-24 Sold (Public Records) $13,500 Public Records
• 1992-01-07 Sold (Public Records) $11,000 Public Records

Property tax history

-2.6%/yr

Latest (2026): $3,125 · +1.6% YoY. Source: county tax records.