1414 Stag Dr · Lake Wynonah, PA 17922

$314,900

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 17 Days on market

Built 1984 0.40 ac lot $154/mo HOA · 7% of rent

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +7.1/30.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Wonderfully affordable raised ranch. Home boasts a flat lot with mature landscaping, wrap around deck, screened in porch, front, side, and rear yard! Standard Septic. Roof only 7 years old. Lower level includes a bedroom, laundry room, large family room, and a workshop which leads to the attached garage. Plenty of off street parking. Move right in and enjoy the lakes, lodge, pool, basketball courts, tennis courts, playgrounds, and so much more this 4 season Lake Community has to offer. Sq footage includes partially finished lower level.

Key facts

• Metal roof
• Updated pex plumbing
• Remodeled bathroom

Tags

• NEW WINDOWS
• NEW DECKS
• METAL ROOF
• BAMBOO FLOORING
• UPDATED PEX PLUMBING
• REMODELED BATHROOM

Property features AI

Finance

• Other: Located in South Manheim Township with HOA-maintained paved roads; Access via community guard booth
• HOA & community: Monthly HOA with amenities including boat ramp, lake access, outdoor pool, and water/lake privileges; HOA covers common area maintenance, pool(s), recreation facilities, road maintenance, security gate, and water

Exterior

• Parking: Front-entry attached garage (1-car); Paved driveway with about 6 driveway spaces; Total parking capacity for approximately 7 vehicles
• Security: Community security gate
• Utilities: 200+ amp electric service; On-site septic; Private or community water
• Home design: Detached property; Not in a federal flood zone; Located in a lake community; Ownership: Fee simple
• Construction: Stick-built construction with vinyl siding; Asbestos shingle roof; Vinyl-clad windows; Foundation: Other; Basement: Partially finished, heated, interior access, walkout level with outside entrance and workshop
• Exterior features: Front and rear yard; Flood lights; Deck(s); Porch(es); Community in-ground pool; Shed

Interior

• Kitchen: Oven (self-cleaning); Refrigerator; Stainless steel appliances; Exhaust fan
• Bedrooms: Two bedrooms on the main level; One bedroom on the lower level
• Flooring: Bamboo; Carpet; Luxury vinyl plank
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Heat pump with electric backup; Electric hot water; Central air conditioning
• Interior features: Ceiling fans; Combination kitchen and dining area; Traditional floor plan; Pellet stove; Sliding glass door(s)
• Laundry & utility: Laundry on the lower floor; Dryer; Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $315k.

Deal economics

• At list price, monthly cash flow is $-451 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $235k (25.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $212k (32.6% below list).
• Recommended offer: $212k (32.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#857 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: schools D+, amenities F, commute F.
• Schuylkill Haven Area SD (town): math 27% / reading 56% proficiency, ranked #330 of 539 in PA (top 61%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 54 active listings in the ZIP; 169 units permitted in Schuylkill County in 2024 (0 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 $9k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($310k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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 $129k; list at $315k implies a 144% gain — meaningful room to come down on a strong offer.

Recommended offer $212,161 (32.6% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
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: 0.67% ✗
• Cap rate: 4.58%
• Cash-on-cash: -6.14%
• DSCR: 0.73
• GRM: 12.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -26.9%
• Equity multiple: 0.10×
• Total profit: $-79,738
• Equity at exit: $46,953

10-year hold

• IRR: -24.4%
• Equity multiple: -0.21×
• Total profit: $-106,399
• Equity at exit: $27,227

Cash invested: $88,172 (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 17922

• Home prices YoY: -33.6%
• Active inventory: 54
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $2,122 medium
• Mortgage (P&I): −$1,651
• Tax from tax record: −$190 /mo · $2,284/yr
• Insurance: −$131
• HOA: −$154
• Vacancy / Maint / Mgmt: −$446
• Net cashflow: $-451

Break-even live

Break-even rent $2,692

Max offer price $235,263

Occupancy floor —

Sensitivity live

Price	-10% $-273	-5% $-362	+0% $-451	+5% $-540	+10% $-629
Rent	-10% $-618	-5% $-535	+0% $-451	+5% $-367	+10% $-283
Rate	-1.0pp $-292	-0.5pp $-371	base $-451	+0.5pp $-532	+1.0pp $-615

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: $78,725
• Closing costs: $9,447
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $154 · $1,848/yr
• Likely covers: landscapingpool

Listing history 14 events

1. 2026-06-14
   statusdays on market $314,900 Pending 17 DOM
2. 2026-06-12
   days on market $314,900 Active 16 DOM
3. 2026-06-09
   pricedays on market $314,900 Active 13 DOM
4. 2026-06-08
   days on market $320,000 Active 12 DOM
5. 2026-06-07
   days on market $320,000 Active 11 DOM
6. 2026-06-07
   days on market $320,000 Active 10 DOM
7. 2026-06-04
   days on market $320,000 Active 7 DOM
8. 2026-06-02
   days on market $320,000 Active 6 DOM
9. 2026-06-01
   days on market $320,000 Active 5 DOM
10. 2026-05-31
    days on market $320,000 Active 4 DOM
11. 2026-05-31
    days on market $320,000 Active 3 DOM
12. 2026-05-27
    listed $320,000 Active
13. 2017-08-21
    soldstatus $129,000 542-char remark

    Show marketing remark (542 chars)

    Wonderfully affordable raised ranch. Home boasts a flat lot with mature landscaping, wrap around deck, screened in porch, front, side, and rear yard! Standard Septic. Roof only 7 years old. Lower level includes a bedroom, laundry room, large family room, and a workshop which leads to the attached garage. Plenty of off street parking. Move right in and enjoy the lakes, lodge, pool, basketball courts, tennis courts, playgrounds, and so much more this 4 season Lake Community has to offer. Sq footage includes partially finished lower level.

14. 2017-05-18
    listed $129,900 542-char remark

    Show marketing remark (542 chars)

    Wonderfully affordable raised ranch. Home boasts a flat lot with mature landscaping, wrap around deck, screened in porch, front, side, and rear yard! Standard Septic. Roof only 7 years old. Lower level includes a bedroom, laundry room, large family room, and a workshop which leads to the attached garage. Plenty of off street parking. Move right in and enjoy the lakes, lodge, pool, basketball courts, tennis courts, playgrounds, and so much more this 4 season Lake Community has to offer. Sq footage includes partially finished lower level.

ⓘ 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: $2,284 · $190/mo
• Projected year-2 tax: $3,630 · $302/mo
• Expected delta: +$1,346/yr (+$112/mo · 58.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 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: $25,459
• − Mortgage interest: −$17,639
• − Property taxes: −$2,284
• − Insurance: −$1,574
• − Repairs & maintenance: −$2,037
• − Management: −$2,037
• − HOA: −$1,848
• − Depreciation: −$9,161
• Taxable loss: −$11,120
• Est. tax savings @ 24.0%: +$2,669
• After-tax cash flow: $-2,741/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: Schuylkill Haven Area SD
• NCES district ID: 4220910
• Math proficiency: 27% ▼ -15.00%
• Reading proficiency: 56% ▼ -11.00%
• Median HH income: $51,147
• Composite: 35.73/100
• National rank: #4857
• State rank: #330 of 539 in PA

Livability — Lake Wynonah

• Score: 69/100
• State rank: #857
• US rank: #8980

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lake Wynonah, PA
• Population (ZIP): 5,249

Population outlook (Schuylkill County) Hauer SSP2

• Today (2025): 137,447 people
• By 2030: 133,121 · -3.1%
• By 2040: 124,172 · -9.7%
• By 2050: 115,611 · -15.9%
• By 2075: 100,796 · -26.7%
• By 2100: 86,667 · -36.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 8% Iranian 4% Lithuanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Schuylkill

• 2024 margin: Solid R (+42.1) · D 28.5% · R 70.6%
• 2008→2024 swing: -33.4pp toward R · 2008: -8.7pp · 2024: -42.1pp
• All cycles: 2024: R+42.1 2020: R+39.9 2016: R+43.4 2012: R+13.4 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.58%
• Current HPI: 179.3334
• 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

+146.3% since first listed

3 events — show timeline

• 2026-05-27 Listed $320,000 BRIGHT MLS
• 2017-08-21 Sold (MLS) $129,000 BRIGHT MLS
• 2017-05-18 Listed $129,900 BRIGHT MLS

Property tax history

+1.5%/yr

Latest (2025): $2,284 · +5.3% YoY. Source: county tax records.