182 Mountain Rd · Indian Mountain Lake, PA 18210

$2,100

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 1 Days on market

Built 1984 0.32 ac lot $113/mo HOA · 5% 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).

• Cash flow +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Appreciation +3.6/10.0
• Schools +3.1/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Estate Sale - 3 bedrooms, plus attached garage in amenity-filled and STR-friendly community, Vinyl siding and fenced back yard. House needs some work and being sold in ''as-is'' condition.

Key facts

• 0.32 acre lot
• 2 garage spots
• Built 1984

Property features AI

Finance

• HOA & community: Annual association fee of $1,350

Exterior

• Parking: Attached garage; 2-car garage; Driveway
• Utilities: Well water; Septic tank
• Home design: Single-story; Vinyl siding; Shingle and wood roof; Block foundation
• Construction: Vinyl siding construction; Block foundation; Shingle and wood roof; Built on one level
• Exterior features: Deck; Paved road access

Interior

• Kitchen: Electric oven; Electric range
• Bedrooms: Total rooms: 6
• Flooring: Laminate flooring; Resilient flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric baseboard heating; Central air; Ceiling fans
• Interior features: Dining area; Separate/formal dining room; Wood-burning fireplace
• Laundry & utility: Washer; Dryer; Electric water heater

🏷️ Possibly a rental listed for sale. The $2,100 price doesn't fit this home's estimated sale value (~$215,040) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $2k.

Deal economics

• At list price, monthly cash flow is $2k ($18k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $2k).
• Cap rate 881.4% vs local median 4.7% in Indian Mountain Lake — 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 62/100 on livability (#1,349 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: schools D, health & safety D, amenities F.
• 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; 1 comparable units currently listed for rent nearby; 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 $15 of loan paydown is wiped out by about $61 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 $588 cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 11y 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.

Risks & watch-outs

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

Recommended offer $2,100

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 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?
4. 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?
5. 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.
6. 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.
7. 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: 100.00% ✓
• Cap rate: 881.43%
• Cash-on-cash: 3125.48%
• DSCR: 140.07
• GRM: 0.1

CMA / ARV

• ARV (on-the-fly): $215,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
182 Mountain Rd	0.00mi	3/1.0	960 (0%)	2mo	$162,500	$169	98
23 Willow Way	0.36mi	2/1.0 (-1)	1,008 (+5%)	0mo	$188,000	$187	70
101 Mohawk Trl	0.54mi	3/1.0	960 (0%)	9mo	$180,000	$188	67
102 Shore Dr	0.32mi	2/1.0 (-1)	900 (-6%)	9mo	$217,900	$242	62
193 N Shore Dr	0.41mi	3/1.0	1,020 (+6%)	11mo	$115,000	$113	61
120 Penn Forest Dr	0.57mi	3/1.0	960 (0%)	14mo	$215,000	$224	61
29 Long Brook Way	0.60mi	4/1.0 (+1)	960 (0%)	10mo	$205,000	$214	59
66 Hunter Ln	0.70mi	3/1.0	980 (+2%)	12mo	$230,000	$235	54
103 Sycamore Cir	0.70mi	3/2.0	1,009 (+5%)	3mo	$245,000	$243	52
109 Sycamore Cir	0.72mi	3/1.5	992 (+3%)	12mo	$225,000	$227	49
86 Penn Forest Dr	0.74mi	3/1.0	912 (-5%)	13mo	$183,000	$201	46
186 Buckhill Rd	0.71mi	3/1.0	864 (-10%)	21mo	$200,000	$231	33

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: —
• Equity multiple: 166.50×
• Total profit: $97,312
• Equity at exit: $324

10-year hold

• IRR: —
• Equity multiple: 359.43×
• Total profit: $210,757
• Equity at exit: $200

Cash invested: $588 (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: 0.1×

Monthly cashflow live

• Estimated rent: $2,100 medium
• Mortgage (P&I): −$11
• Tax est. 1.5%: −$3 /mo · $32/yr
• Insurance: −$1
• HOA: −$113
• Vacancy / Maint / Mgmt: −$441
• Net cashflow: $1,531

Break-even live

Break-even rent $161

Max offer price $2,100

Occupancy floor 22%

Sensitivity live

Price	-10% $1,533	-5% $1,532	+0% $1,531	+5% $1,531	+10% $1,530
Rent	-10% $1,366	-5% $1,449	+0% $1,531	+5% $1,614	+10% $1,697
Rate	-1.0pp $1,533	-0.5pp $1,532	base $1,531	+0.5pp $1,531	+1.0pp $1,530

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: $525
• Closing costs: $63
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
182 Mountain Rd Albrightsville, PA	3.0	1.0	960	$2,100	$2.19	3d	1	0.02mi

HOA detail

• Monthly dues: $113 · $1,356/yr

Listing history 1 events

1. 2026-06-14
   listed $2,100 Active 1 DOM

ⓘ 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 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,200
• − Mortgage interest: −$118
• − Property taxes: −$32
• − Insurance: −$10
• − Repairs & maintenance: −$2,016
• − Management: −$2,016
• − HOA: −$1,356
• − Depreciation: −$61
• Taxable income: $19,591
• Est. tax owed @ 24.0%: −$4,702
• After-tax cash flow: $13,676/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 — Indian Mountain Lake

• Score: 62/100
• State rank: #1349
• US rank: #16713

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Indian Mountain Lake, PA
• 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

-97.2% since first listed

9 events — show timeline

• 2026-06-12 Listed for Rent $2,100 PMAR
• 2026-06-11 Listed $2,100 GLVRMLS
• 2026-04-24 Sold (Public Records) $162,500 Public Records
• 2026-04-24 Sold (MLS) $162,500 PMAR
• 2026-04-03 Pending — PMAR
• 2026-03-30 Listed $195,000 PMAR
• 2015-10-13 Sold (Public Records) $69,000 Public Records
• 2015-10-09 Sold (MLS) $69,000 PMAR
• 2015-05-06 Listed $74,900 PMAR

Property tax history

+1.4%/yr

Latest (2026): $2,029 · +5.4% YoY. Source: county tax records.