25 Pine Tree Rd · Penn Forest, PA 18210

$174,900

4 bd · 2.0 ba · 1,123 sqft · SingleFamily public records · 29 Days on market

Built 1980 0.32 ac lot $156/sqft · 36% below area Est $274k · 36% under $113/mo HOA · 5% of rent

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Why this score? — see what drove the B 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 +26.8/30.0
• ARV discount +15.0/15.0
• DSCR +9.2/10.0
• 1% rule +7.6/10.0
• Appreciation +3.6/10.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Back on Market through no fault of seller!! Attention Investors & Contractors! This is the opportunity you've been waiting for! Packed with incredible fix & flip potential, this property is the perfect chance to bring your vision to life while maximizing returns. Low Taxes!! Add your own finishing touches, build instant equity, and take advantage of a strong ROI opportunity. The hard part has been done!Located in Indian Mountain Lakes, a highly desirable STR-friendly community, you'll enjoy access to 5 lakes, 2 swimming pools, tennis courts, and basketball courts. Whether you're looking for your next flip, rental investment, or vacation property, this one checks all the boxes

Key facts

• Access to 5 lakes
• 2 swimming pools
• Tennis courts

Tags

• ACCESS TO 5 LAKES
• 2 SWIMMING POOLS
• TENNIS COURTS
• BASKETBALL COURTS

Property features AI

Finance

• Other: Property tax information available
• HOA & community: Homeowners association with annual fee ($1,350); Monthly equivalent approximately $112.50; HOA includes trash and security; Community amenities include trails and tennis courts

Exterior

• Parking: Open parking (3 spaces)
• Security: Community security; Gated community
• Utilities: Well water; Septic tank; 200+ amp electric service
• Home design: Single family house; Residential property; Located in the Indian Mountain Lakes subdivision; Facing information not provided
• Construction: Vinyl siding construction; Shingle roof; Built year not provided
• Exterior features: Front porch; Deck; Level lot; Paved road access; Road maintained via private maintenance / road maintenance agreement

Interior

• Flooring: Laminate flooring; Marble flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Interior features: Unfurnished; Has fireplace (living room); Crawl space basement; 8 total rooms
• Laundry & utility: Washer hookup on main level

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $478 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $172k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Jim Thorpe Area SD (rural): math 25% / reading 47% proficiency, ranked #394 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 453 active listings in the ZIP; 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.9%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-2.9% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y ago 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 $54k; list at $175k implies a 227% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $172,276 (1.5% 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. 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.
4. 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.
5. 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: 1.26% ✓
• Cap rate: 9.57%
• Cash-on-cash: 11.71%
• DSCR: 1.52
• GRM: 6.6

CMA / ARV

• ARV (median comp): $273,795
• List price: $174,900
• Delta: -36.12%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
22 Hickory Run Ln	0.10mi	3/1.0 (-1)	1,128 (+0%)	19mo	$235,000	$208	70
34 White Oak Ln	0.28mi	3/1.5 (-1)	1,024 (-9%)	21mo	$460,000	$449	48
21 Maccauley Rd	0.75mi	3/2.0 (-1)	1,056 (-6%)	21mo	$270,000	$256	33
607 Stony Mountain Rd	0.61mi	3/1.0 (-1)	960 (-14%)	7mo	$257,500	$268	32

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

Projected returns pro-forma

-2.89% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.6%
• Equity multiple: 1.06×
• Total profit: $2,993
• Equity at exit: $26,960

10-year hold

• IRR: 11.0%
• Equity multiple: 1.87×
• Total profit: $42,783
• Equity at exit: $16,641

Cash invested: $48,972 (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 18210

• Home prices YoY: -1.4%
• Active inventory: 453
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,207 medium
• Mortgage (P&I): −$917
• Tax from tax record: −$163 /mo · $1,955/yr
• Insurance: −$73
• HOA: −$113
• Vacancy / Maint / Mgmt: −$464
• Net cashflow: $478

Break-even live

Break-even rent $1,603

Max offer price $174,900

Occupancy floor 73%

Sensitivity live

Price	-10% $577	-5% $527	+0% $478	+5% $428	+10% $379
Rent	-10% $304	-5% $391	+0% $478	+5% $565	+10% $652
Rate	-1.0pp $566	-0.5pp $522	base $478	+0.5pp $433	+1.0pp $386

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $113 · $1,356/yr
• Likely covers: pool

Listing history 22 events

1. 2026-06-18
   days on market $174,900 Active 29 DOM
2. 2026-06-17
   days on market $174,900 Active 28 DOM
3. 2026-06-16
   days on market $174,900 Active 27 DOM
4. 2026-06-15
   days on market $174,900 Active 26 DOM
5. 2026-06-14
   days on market $174,900 Active 24 DOM
6. 2026-06-10
   days on market $174,900 Active 21 DOM
7. 2026-06-09
   days on market $174,900 Active 20 DOM
8. 2026-06-08
   days on market $174,900 Active 19 DOM
9. 2026-06-07
   statusdays on market $174,900 Active 18 DOM
10. 2026-05-18
    status Pending 773-char remark
11. 2026-05-10
    status Active 773-char remark
12. 2026-05-01
    status Pending 773-char remark
13. 2026-04-25
    listed $174,900 Active 773-char remark
14. 2020-11-09
    soldstatus $53,500
15. 2020-10-08
    soldstatus $53,500
16. 2010-05-07
    soldstatus $95,500
17. 2010-04-26
    soldstatus $95,500
18. 2009-10-30
    listed $97,500
19. 2009-05-07
    listed $119,900
20. 2007-02-26
    listed $139,900
21. 2006-07-10
    listed $139,900
22. 1992-11-23
    soldstatus $64,000

ⓘ 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: $1,955 · $163/mo
• Projected year-2 tax: $2,359 · $197/mo
• Expected delta: +$404/yr (+$34/mo · 20.7%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 1/10 Low 7 d/yr ≥92°F today · 14 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: $26,489
• − Mortgage interest: −$9,797
• − Property taxes: −$1,955
• − Insurance: −$874
• − Repairs & maintenance: −$2,119
• − Management: −$2,119
• − HOA: −$1,356
• − Depreciation: −$5,088
• Taxable income: $3,180
• Est. tax owed @ 24.0%: −$763
• After-tax cash flow: $4,971/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: Jim Thorpe Area SD
• NCES district ID: 4212540
• Math proficiency: 25% ▼ -12.00%
• Reading proficiency: 47% ▼ -11.00%
• Median HH income: $53,476
• Composite: 31.42/100
• National rank: #5988
• State rank: #394 of 539 in PA

Livability — Penn Forest

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 7,879

Population outlook (Carbon County) Hauer SSP2

• Today (2025): 61,643 people
• By 2030: 59,840 · -2.9%
• By 2040: 55,413 · -10.1%
• By 2050: 50,843 · -17.5%
• By 2075: 43,326 · -29.7%
• By 2100: 37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 22% Two or more races 11% Black 6% Native American 1% Asian 1%
• Hispanic origin (detail): Puerto Rican 12% Cuban 2% Dominican 1%
• Common ancestry: Romanian 8% Russian 4% Iranian 2%
• Foreign-born: 12% · Canada
• Languages at home: 81% English-only · Spanish 10% Russian/Polish/Slavic 7% Other Indo-European 1%

Political lean MEDSL · Carbon

• 2024 margin: Solid R (+34.8) · D 32.2% · R 67.0%
• 2008→2024 swing: -36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
• All cycles: 2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.89%
• Current HPI: 203.8099
• 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

+173.3% since first listed

14 events — show timeline

• 2026-06-03 Relisted — PMAR
• 2026-05-18 Pending — PMAR
• 2026-05-10 Relisted — PMAR
• 2026-05-01 Pending — PMAR
• 2026-04-25 Listed $174,900 PMAR
• 2020-11-09 Sold (Public Records) $53,500 Public Records
• 2020-10-08 Sold (MLS) $53,500 GSBR as distributed by MLS GRID
• 2010-05-07 Sold (MLS) $95,500 PMAR
• 2010-04-26 Sold (Public Records) $95,500 Public Records
• 2009-10-30 Listed $97,500 PMAR
• 2009-05-07 Listed $119,900 PMAR
• 2007-02-26 Listed $139,900 PMAR
• 2006-07-10 Listed $139,900 PMAR
• 1992-11-23 Sold (Public Records) $64,000 Public Records

Property tax history

+1.6%/yr

Latest (2026): $1,955 · +4.4% YoY. Source: county tax records.