242 Pecan Ter #242 · Mount Pocono, PA 18466

$345,000

4 bd · 2.5 ba · 2,376 sqft · SingleFamily · 13 Days on market

Built 2026 Excellent condition 0.25 ac lot Est $482k · 28% under $143/mo HOA · 4% of rent

---

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 +21.4/30.0
• ARV discount +15.0/15.0
• DSCR +6.8/10.0
• 1% rule +6.2/10.0
• Appreciation +6.2/10.0
• Condition / age +4.8/5.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0

Listing remarks

UNDER CONSTRUCTION - The Roxbury Building in progress. Estimated completion time - End of July / Beginning of August. 12 POINT INSPECTION! 1 YEAR BUILDER'S WARRANTY! Start FRESH and be the first one to own this beautiful newly constructed home! Customization still available! Must hurry! This charming 4-bedroom, 2.5-bath Colonial-style home offers great potential and inviting living spaces throughout. The owner's suite includes a walk-in closet and a private bathroom featuring a double-sink vanity, separate shower, and spa-style tub. The home features ample closet space, a spacious open-concept kitchen with an island and breakfast nook, a dining room, and sliding doors that le

Key facts

• Kitchen
• Lake ice skating
• Paddleboat rental

Tags

• KITCHEN
• PADDLEBOAT RENTAL
• MINIATURE GOLF
• LAKE ICE SKATING
• PLAY GROUNDS

Property features AI

Finance

• Other: Directions available for property access
• Financial info: Association fee is billed annually
• HOA & community: Homeowners association with amenities including security, clubhouse, playground, golf course, tennis courts, basketball court and pool; Annual association fee

Exterior

• Parking: Attached garage (1 car); On-site open parking (2 spaces); Driveway; garage faces front; private
• Security: Community security (HOA-provided)
• Utilities: Public water; Public sewer; 200+ amp electric service; Propane
• Home design: Single-family residence (house); No common walls; New construction
• Construction: Shingle roof; Crawl space foundation
• Exterior features: Deck; Sliding doors; Shingle roof; Lot in residential subdivision (A Pocono Country Place); Approximately 0.25-acre lot

Interior

• Kitchen: Gas range; Refrigerator; Dishwasher; Microwave; Eat-in kitchen with island
• Bedrooms: Walk-in closet(s)
• Flooring: Vinyl; Carpet
• Bathrooms: Two full bathrooms; One half bathroom; Double vanity; Soaking tub
• Heating & cooling: Central heating; Forced air; Floor furnace; Propane heating; Central air conditioning; Ceiling fan(s)
• Interior features: Eat-in kitchen with kitchen island and laminate counters; Double vanity; Soaking tub; Walk-in closet(s); Natural woodwork; Low emissivity windows with screens; Unfurnished; Living room gas/propane fireplace with insert
• Laundry & utility: Main level laundry; Washer hookup; Electric dryer hookup; Gas dryer hookup; Crawl space basement with sump pump

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $345k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $448 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $345k).
• Cap rate 8.1% vs local median 5.1% in Mount Pocono — 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 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, commute F.
• Pocono Mountain SD (rural): math 37% / reading 55% proficiency, ranked #245 of 539 in PA (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 355 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

• In year one you build about $11k of equity ($2k loan paydown + $8k appreciation (2.4% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.4% appreciation + 3.0% rent growth), your $97k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $345,000

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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?
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: 1.12% ✓
• Cap rate: 8.08%
• Cash-on-cash: 6.39%
• DSCR: 1.28
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $482,328
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 Applewood Dr	0.26mi	4/2.5	2,300 (-3%)	2mo	$306,000	$133	81
718 Route 314	0.64mi	4/2.5	2,392 (+1%)	7mo	$606,529	$254	63
728 Route 314 #1	0.64mi	4/2.5	2,392 (+1%)	12mo	$499,900	$209	59
5132 Pocono Park Ln	0.19mi	3/2.5 (-1)	2,692 (+13%)	9mo	$500,000	$186	56
6155 Lakeview Ln	0.35mi	4/2.5	2,635 (+11%)	19mo	$534,500	$203	50

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

Projected returns pro-forma

2.36% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 11.0%
• Equity multiple: 1.61×
• Total profit: $58,668
• Equity at exit: $142,785

10-year hold

• IRR: 13.7%
• Equity multiple: 2.90×
• Total profit: $184,006
• Equity at exit: $210,895

Cash invested: $96,600 (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 18466

• Home prices YoY: 1.2%
• Active inventory: 355
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $3,850 medium
• Mortgage (P&I): −$1,809
• Tax est. 1.5%: −$431 /mo · $5,175/yr
• Insurance: −$144
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$143
• Vacancy / Maint / Mgmt: −$808
• Net cashflow: $448

Break-even live

Break-even rent $3,283

Max offer price $345,000

Occupancy floor 83%

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: $86,250
• Closing costs: $10,350
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5132 Pocono Park Ln Swiftwater, PA	3.0	2.5	2692	$3,850	$1.43	43d	1	0.18mi

HOA detail

• Monthly dues: $143 · $1,716/yr

Listing history 12 events

1. 2026-06-19
   days on market $345,000 Active 13 DOM
2. 2026-06-18
   days on market $345,000 Active 12 DOM
3. 2026-06-17
   days on market $345,000 Active 11 DOM
4. 2026-06-16
   days on market $345,000 Active 10 DOM
5. 2026-06-15
   days on market $345,000 Active 9 DOM
6. 2026-06-14
   days on market $345,000 Active 7 DOM
7. 2026-06-13
   days on market $345,000 Active 6 DOM
8. 2026-06-10
   days on market $345,000 Active 4 DOM
9. 2026-06-09
   days on market $345,000 Active 3 DOM
10. 2026-06-08
    days on market $345,000 Active 2 DOM
11. 2026-06-07
    remarks 699-char remark
12. 2026-06-07
    listed $345,000 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 10/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥92°F today · 16 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: $46,200
• − Mortgage interest: −$19,325
• − Property taxes: −$5,175
• − Insurance: −$2,522
• − Repairs & maintenance: −$3,696
• − Management: −$3,696
• − HOA: −$1,716
• − Depreciation: −$10,036
• Taxable income: $33
• Est. tax owed @ 24.0%: −$8
• After-tax cash flow: $5,366/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.

Condition & rehab AI · 13 photos

Excellent 95/100 None rehab

This home is in excellent condition with no visible repairs or maintenance needed. It is move-in ready and has the potential to be further enhanced with some painting and landscaping.

Value-add opportunities

• Both Painting the exterior and interior walls — Painting can enhance the curb appeal and interior aesthetics, making the home more attractive to potential buyers and renters.
• Both Landscaping the front yard — Landscaping can improve the curb appeal and add value to the home, making it more attractive to potential buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Painting can enhance the curb appeal and interior aesthetics, making the home more attractive to potential buyers and renters. ↑
• Both Landscaping the front yard — Landscaping can improve the curb appeal and add value to the home, making it more attractive to potential buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Pocono Mountain SD
• NCES district ID: 4219500
• Math proficiency: 37% ▼ -5.00%
• Reading proficiency: 55% ▲ 1.00%
• Median HH income: $55,317
• Composite: 39.91/100
• National rank: #3856
• State rank: #245 of 539 in PA

Livability — Mount Pocono

• Score: 77/100
• State rank: #362
• US rank: #3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 17,997

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 38% Hispanic / Latino 27% Black 24% Two or more races 17% Asian 4%
• Hispanic origin (detail): Puerto Rican 12% Dominican 6%
• Common ancestry: Romanian 2% Portuguese 1% German 1%
• Foreign-born: 16% · Canada
• Languages at home: 77% English-only · Spanish 17% Other Indo-European 2% Russian/Polish/Slavic 1%

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: ▲ 2.36%
• Current HPI: 202.4134
• 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

+900.0% since first listed

2 events — show timeline

• 2026-06-07 Price Changed $345,000 PMAR
• 2026-06-05 Listed $34,500 PMAR