195 Conashaugh Trl · Conashaugh Lakes, PA 18337

$279,000

3 bd · 1.5 ba · 672 sqft · SingleFamily public records · 52 Days on market

Built 1978 1.12 ac lot $415/sqft · 90% above area Est $328k · 15% under $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).

• ARV discount +14.2/15.0
• Cash flow +8.9/30.0
• Schools +4.7/10.0
• Livability +3.5/5.0
• 1% rule +2.6/10.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

Key facts

• Private acres
• Vacation retreat
• Renovated kitchen

Tags

• RENOVATED KITCHEN
• TWO STORY LAYOUT
• PRIVATE ACRES
• CONASHAUGH LAKES COMMUNITY
• YEAR ROUND LIVING
• VACATION RETREAT

Property features AI

Finance

• HOA & community: Homeowners association with annual fee; Association amenities include security, playground, tennis courts, racquetball, and basketball court

Exterior

• Parking: 6 total parking spaces; Drive-through and driveway parking; Open parking (6 spaces)
• Security: 24-hour security; Security gate
• Utilities: Well water; Septic tank; 200+ amp electric service
• Home design: Single family residence; House with 2 stories; No shared/common walls; Residential zoning
• Construction: Vinyl siding; Shingle roof; Brick/mortar foundation; Built with main and lower finished areas (above and below grade finished areas listed)
• Exterior features: Outdoor lighting; Deck; Sliding doors; Shed(s) and storage

Interior

• Kitchen: Electric cooktop
• Flooring: Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Ceiling fans; Multiple cooling units
• Interior features: High ceilings; Insulated windows; Unfurnished
• Laundry & utility: Washer hookup on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $279k.

Deal economics

• At list price, monthly cash flow is $-225 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $239k (14.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $211k (24.4% below list).
• Recommended offer: $211k (24.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#786 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety D, amenities F, commute F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 297 active listings in the ZIP; solid renter incomes; 213 units permitted in Pike 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 $8k of value loss. Plan a longer hold.
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 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.
• Current owner paid $195k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

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

Recommended offer $210,800 (24.4% 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 52 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.76% ✗
• Cap rate: 5.33%
• Cash-on-cash: -3.45%
• DSCR: 0.85
• GRM: 11.0

CMA / ARV

• ARV (median comp): $327,680
• List price: $279,000
• Delta: -14.86%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -22.1%
• Equity multiple: 0.24×
• Total profit: $-59,522
• Equity at exit: $41,600

10-year hold

• IRR: -16.0%
• Equity multiple: 0.10×
• Total profit: $-70,236
• Equity at exit: $24,123

Cash invested: $78,120 (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 18337

• Home prices YoY: -22.0%
• Active inventory: 297
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $2,108 medium
• Mortgage (P&I): −$1,463
• Tax from tax record: −$198 /mo · $2,374/yr
• Insurance: −$116
• HOA: −$113
• Vacancy / Maint / Mgmt: −$443
• Net cashflow: $-225

Break-even live

Break-even rent $2,393

Max offer price $239,281

Occupancy floor —

Sensitivity live

Price	-10% $-67	-5% $-146	+0% $-225	+5% $-304	+10% $-383
Rent	-10% $-391	-5% $-308	+0% $-225	+5% $-142	+10% $-58
Rate	-1.0pp $-84	-0.5pp $-154	base $-225	+0.5pp $-297	+1.0pp $-371

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: $69,750
• Closing costs: $8,370
• Reserves months: —
• Total cash needed: —

HOA detail

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

Listing history 24 events

1. 2026-06-21
   days on market $279,000 Active 52 DOM
2. 2026-06-18
   days on market $279,000 Active 49 DOM
3. 2026-06-17
   days on market $279,000 Active 48 DOM
4. 2026-06-16
   days on market $279,000 Active 47 DOM
5. 2026-06-15
   days on market $279,000 Active 46 DOM
6. 2026-06-13
   days on market $279,000 Active 44 DOM
7. 2026-06-13
   pricedays on market $279,000 Active 43 DOM
8. 2026-06-09
   days on market $289,000 Active 40 DOM
9. 2026-06-08
   days on market $289,000 Active 39 DOM
10. 2026-06-07
    days on market $289,000 Active 38 DOM
11. 2026-06-04
    days on market $289,000 Active 35 DOM
12. 2026-06-03
    days on market $289,000 Active 34 DOM
13. 2026-06-02
    days on market $289,000 Active 33 DOM
14. 2026-06-01
    days on market $289,000 Active 32 DOM
15. 2026-05-31
    days on market $289,000 Active 31 DOM
16. 2026-04-30
    listed $289,000 Active 898-char remark
17. 2025-10-28
    soldstatus $195,000
18. 2025-10-27
    soldstatus $195,000 Closed 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

19. 2025-10-12
    status Pending 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

20. 2025-09-12
    status Active 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

21. 2025-08-14
    status Pending 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

22. 2025-07-30
    price $220,000 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

23. 2025-07-09
    listed $225,000 Active 1503-char remark

    Show marketing remark (1503 chars)

    Charming Two-Story Home on 1.12 Wooded Acres - Full of Potential!This home is just 1.9 miles from the Conashaugh entrance, this cozy two-story home offers the perfect blend of privacy, space, and opportunity. Set on a beautiful 1.12-acre tree-filled lot, you'll enjoy the peace and serenity of nature while still being conveniently located in the very popular, amenity-rich Conashaugh Lakes community. Built in 1978, the home features 3 comfortable bedrooms and 1 and a half bathrooms. A wood-burning stove adds rustic charm and warmth--perfect for cozy nights in. While the home has a strong structure, the interior is ready for your personal updates and finishing touches. The home has new windows, siding, and freshly painted steps and front deck, giving you a solid foundation for your vision giving you a solid head start for creating your dream retreat. As a resident of Conashaugh Lakes, you'll have access to a wide array of amenities, including: Two scenic lakes (Seneca Lake & Conashaugh Lake), A beach area and boat ramp for non-motorized boats, seasonal outdoor swimming pool, playground and recreation center, sports courts for basketball, tennis, volleyball, and bocce, a baseball field, community facilities for recycling, garbage disposal, and mail collection at the gates. Whether you're looking for a full-time residence, a vacation getaway, or a home with great investment potential, this property is a rare find with endless possibilities in a peaceful, nature-filled setting.

24. 1998-11-03
    soldstatus $62,500

ⓘ 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: $2,374 · $198/mo
• Projected year-2 tax: $3,391 · $283/mo
• Expected delta: +$1,017/yr (+$85/mo · 42.9%)

ⓘ 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 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 5% 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: $25,296
• − Mortgage interest: −$15,628
• − Property taxes: −$2,374
• − Insurance: −$1,395
• − Repairs & maintenance: −$2,024
• − Management: −$2,024
• − HOA: −$1,356
• − Depreciation: −$8,116
• Taxable loss: −$7,621
• Est. tax savings @ 24.0%: +$1,829
• After-tax cash flow: $-869/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Conashaugh Lakes

• Score: 70/100
• State rank: #786
• US rank: #7924

Category grades

Amenities F Commute F Cost of living B+ 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: Conashaugh Lakes, PA
• County: Pike County · 15,799 people
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 15,799
• Household income: $93,149
• Rent vs Own: 14.2% rent · 85.8% own
• Severe rent burden: 275.0

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 10% Two or more races 7% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 6% Iranian 2% Portuguese 2%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 89% English-only · Spanish 6% Russian/Polish/Slavic 2% German/W. Germanic 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.81%
• Current HPI: 194.0604
• Rent YoY: —
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• 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

+346.4% since first listed

10 events — show timeline

• 2026-06-12 Price Changed $279,000 PMAR
• 2026-04-30 Listed $289,000 PMAR
• 2025-10-28 Sold (Public Records) $195,000 Public Records
• 2025-10-27 Sold (MLS) $195,000 PWMLS
• 2025-10-12 Pending — PWMLS
• 2025-09-12 Relisted — PWMLS
• 2025-08-14 Pending — PWMLS
• 2025-07-30 Price Changed $220,000 PWMLS
• 2025-07-09 Listed $225,000 PWMLS
• 1998-11-03 Sold (Public Records) $62,500 Public Records

Property tax history

+1.8%/yr

Latest (2026): $2,374 · +1.5% YoY. Source: county tax records.