2108 Fox Rd · Pine Ridge, PA 18324

$150,000

3 bd · 2.0 ba · 1,614 sqft · SingleFamily public records · 8 Days on market

Built 1993 0.51 ac lot Est $276k · 46% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.8/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

Key facts

• 0.51 acre lot
• Garage
• Built 1993

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $653 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 11.5% vs local median 4.3% in Pine Ridge — 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 65/100 on livability (#1,098 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, schools F, amenities F.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 293 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($1k loan paydown + $5k appreciation (3.5% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.5% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 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 $18k; list at $150k implies a 733% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.

Recommended offer $150,000

Questions for the listing agent

1. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.54% ✓
• Cap rate: 11.52%
• Cash-on-cash: 18.67%
• DSCR: 1.83
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $275,994
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
213 Mountain Top Cir	0.12mi	3/1.5	1,516 (-6%)	16mo	$250,000	$165	69
2149 Valley View Dr	0.32mi	3/2.5	1,728 (+7%)	10mo	$190,000	$110	63
2127 Bushkill Cir	0.45mi	3/2.0	1,460 (-10%)	5mo	$280,000	$192	59
167 Pipher Rd	0.45mi	3/1.5	1,582 (-2%)	18mo	$265,000	$168	59
1109 Steele Cir	0.21mi	3/1.5	1,409 (-13%)	13mo	$259,000	$184	57
4365 Pine Ridge Dr	0.11mi	3/2.5	1,847 (+14%)	18mo	$230,000	$125	54
459 Pocono Blvd	0.55mi	4/2.0 (+1)	1,782 (+10%)	0mo	$350,000	$196	52
1111 Cranberry Dr	0.30mi	3/2.0	1,414 (-12%)	20mo	$265,000	$187	48
135 Depue Cir	0.56mi	3/2.0	1,435 (-11%)	13mo	$191,000	$133	44
4524 Pine Ridge Dr W	0.49mi	3/2.0	1,848 (+14%)	11mo	$193,500	$105	44
1215 Steele Cir	0.43mi	4/2.0 (+1)	1,400 (-13%)	13mo	$240,000	$171	42
3282 Bluebird Dr	0.66mi	3/2.0	1,384 (-14%)	5mo	$240,000	$173	41

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

Projected returns pro-forma

3.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.1%
• Equity multiple: 2.52×
• Total profit: $63,854
• Equity at exit: $71,761

10-year hold

• IRR: 26.4%
• Equity multiple: 4.91×
• Total profit: $164,259
• Equity at exit: $114,070

Cash invested: $42,000 (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 18324

• Home prices YoY: 1.5%
• Active inventory: 293
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $2,306 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$319 /mo · $3,827/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$484
• Net cashflow: $653

Break-even live

Break-even rent $1,479

Max offer price $150,000

Occupancy floor 67%

Sensitivity live

Price	-10% $738	-5% $696	+0% $653	+5% $611	+10% $568
Rent	-10% $471	-5% $562	+0% $653	+5% $744	+10% $836
Rate	-1.0pp $729	-0.5pp $692	base $653	+0.5pp $614	+1.0pp $575

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 9 events

1. 2026-02-13
   status Pending

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

2. 2026-02-13
   status Pending 415-char remark

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

3. 2026-02-05
   status Active
4. 2026-02-02
   status Active 415-char remark

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

5. 2026-01-28
   status Pending 415-char remark

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

6. 2026-01-28
   listed $150,000

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

7. 2026-01-28
   historical

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

8. 2026-01-28
   listed $150,000 Active 415-char remark

   Show marketing remark (415 chars)

   Tucked away on a private, wooded half-acre in Pine Ridge, this 3-bedroom, 2-bath ranch offers a rare opportunity for investors or buyers ready to create value. The home requires a full renovation, making it an ideal blank slate for a flip, rental, or custom retreat in the Poconos. Conveniently located near outdoor recreation while maintaining privacy, this is a true potential-packed project for the right vision.

9. 1993-11-04
   soldstatus $18,000

ⓘ 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: $3,827 · $319/mo
• Projected year-2 tax: $3,827 · $319/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 6 d/yr ≥94°F today · 13 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $27,667
• − Mortgage interest: −$8,402
• − Property taxes: −$3,827
• − Insurance: −$750
• − Repairs & maintenance: −$2,213
• − Management: −$2,213
• − Depreciation: −$4,364
• Taxable income: $5,897
• Est. tax owed @ 24.0%: −$1,415
• After-tax cash flow: $6,425/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: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — Pine Ridge

• Score: 65/100
• State rank: #1098
• US rank: #12434

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, PA
• Population (ZIP): 9,591

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 47% Hispanic / Latino 26% Black 21% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 12% Cuban 3% Dominican 5%
• Common ancestry: Romanian 2% Estonian 1% Lithuanian 1%
• Foreign-born: 19% · Canada, South Korea
• Languages at home: 69% English-only · Spanish 19% Russian/Polish/Slavic 4% French/Haitian/Cajun 3%

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: ▲ 3.51%
• Current HPI: 243.6754
• 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

+733.3% since first listed

9 events — show timeline

• 2026-02-13 Pending — GLVRMLS
• 2026-02-13 Pending — PMAR
• 2026-02-05 Relisted — GLVRMLS
• 2026-02-02 Relisted — PMAR
• 2026-01-28 Pending — PMAR
• 2026-01-28 Listed $150,000 PMAR
• 2026-01-28 Listing Removed — GLVRMLS
• 2026-01-28 Listed $150,000 GLVRMLS
• 1993-11-04 Sold (Public Records) $18,000 Public Records

Property tax history

+0.1%/yr

Latest (2026): $3,827 · +1.6% YoY. Source: county tax records.