861 Champions Drive Dr · Beech Mountain Lakes, PA 18222

$295,000

3 bd · 2.5 ba · 1,485 sqft · SingleFamily public records · 10 Days on market

Built 2023 Est $364k · 19% under $20/mo HOA · 1% of rent

---

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 +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +6.9/30.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Schools +2.0/10.0
• DSCR +1.1/10.0

Listing remarks MLS

The Greens at Sand Springs are both elegant and spacious, with a floorplan that will make you feel right at home. Upon entering, you'll be welcomed by an open-concept first floor, featuring a Kitchen that has everything you need for cooking and entertaining complete with a large island for extra seating, ample counter space, a convenient pantry.

Key facts

• Garage
• Built 2023
• Listed 9 days

Property features AI

Finance

• Other: Property listed as a residential condo/townhome subtype in some records
• HOA & community: Homeowners association with an annual fee of $240 (approximately $20/month)

Exterior

• Parking: Attached 1-car garage
• Utilities: Shared well water; Public sewer
• Home design: Single-family residence; Three or more levels
• Construction: Vinyl siding construction
• Exterior features: Vinyl siding; Located in the Sand Springs subdivision; Residential zoning

Interior

• Kitchen: Eat-in kitchen
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central air conditioning; Natural gas heating with forced air
• Interior features: Eat-in kitchen; Full, unfinished basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $295k.

Deal economics

• At list price, monthly cash flow is $-449 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $216k (26.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $217k (26.6% below list).
• Recommended offer: $216k (26.9% below list) — sets the bar for cash-flow.
• Cap rate 4.5% vs local median 3.7% in Beech Mountain Lakes — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 71/100 on livability (#698 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.
• Hazleton Area SD (suburban): math 18% / reading 30% proficiency, ranked #476 of 539 in PA (top 88%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 134 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 349 units permitted in Luzerne County in 2024 (16 in 5+ unit buildings).

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Luzerne County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$51k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 2y 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: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $215,619 (26.9% 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: 0.73% ✗
• Cap rate: 4.47%
• Cash-on-cash: -6.53%
• DSCR: 0.71
• GRM: 11.4

CMA / ARV

• ARV (on-the-fly): $363,825
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
853 Champions Dr	0.05mi	3/2.5	1,510 (+2%)	9mo	$286,640	$190	87
855 Champions Dr	0.03mi	3/2.5	1,495 (+1%)	14mo	$281,645	$188	85
733 Quarry Rd	0.27mi	3/2.0	1,530 (+3%)	2mo	$424,900	$278	79
323 Long Run Rd	0.26mi	3/2.0	1,530 (+3%)	2mo	$400,000	$261	79
399 Long Run Rd	0.17mi	3/2.0	1,530 (+3%)	10mo	$439,900	$288	77
365 Long Run Rd	0.07mi	3/3.0	1,530 (+3%)	19mo	$384,900	$252	74
324 Long Run Rd	0.25mi	3/2.0	1,530 (+3%)	10mo	$375,000	$245	72
718 Quarry Rd	0.32mi	3/2.0	1,530 (+3%)	10mo	$375,000	$245	70
49 Reserve Dr	0.16mi	3/2.0	1,700 (+14%)	1mo	$385,000	$226	66
110 Refuge Dr	0.72mi	3/2.0	1,666 (+12%)	11mo	$332,000	$199	34

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.60×
• Total profit: $132,152
• Equity at exit: $265,759

10-year hold

• IRR: 18.1%
• Equity multiple: 5.99×
• Total profit: $411,886
• Equity at exit: $573,120

Cash invested: $82,600 (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 18222

• Home prices YoY: 10.2%
• Active inventory: 134
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,165 medium
• Mortgage (P&I): −$1,547
• Tax from tax record: −$470 /mo · $5,638/yr
• Insurance: −$123
• HOA: −$20
• Vacancy / Maint / Mgmt: −$455
• Net cashflow: $-449

Break-even live

Break-even rent $2,734

Max offer price $215,619

Occupancy floor —

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: $73,750
• Closing costs: $8,850
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
860 Champions Dr Drums, PA	3.0	2.5	1510	$2,200	$1.46	44d	1	0.05mi
16 Scotia Dr Drums, PA	3.0	2.5	1650	$2,240	$1.36	21d	1	1.07mi
11 Lazy Ln Drums, PA	2.0	2.0	1063	$1,815	$1.71	13d	1	1.18mi
227 Sand Springs Dr Drums, PA	2.0	2.0	1052	$1,805	$1.72	21d	1	1.32mi

HOA detail

• Monthly dues: $20 · $240/yr

Listing history 9 events

1. 2026-06-19
   days on market $295,000 Active 10 DOM
2. 2026-06-18
   days on market $295,000 Active 9 DOM
3. 2026-06-17
   days on market $295,000 Active 8 DOM
4. 2026-06-16
   days on market $295,000 Active 7 DOM
5. 2026-06-15
   days on market $295,000 Active 6 DOM
6. 2026-06-14
   days on market $295,000 Active 4 DOM
7. 2026-06-12
   days on market $295,000 Active 3 DOM
8. 2026-06-09
   remarks 371-char remark
9. 2026-06-09
   listed $295,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast PA · Partial reset (capped growth)

• Current annual tax: $5,638 · $470/mo
• Projected year-2 tax: $5,638 · $470/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 6/10 Major FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 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: $25,981
• − Mortgage interest: −$16,525
• − Property taxes: −$5,638
• − Insurance: −$1,475
• − Repairs & maintenance: −$2,078
• − Management: −$2,078
• − HOA: −$240
• − Depreciation: −$8,582
• Taxable loss: −$10,635
• Est. tax savings @ 24.0%: +$2,553
• After-tax cash flow: $-2,840/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: Hazleton Area SD
• NCES district ID: 4211700
• Math proficiency: 18% ▼ -3.00%
• Reading proficiency: 30% ▼ -15.00%
• Median HH income: $42,247
• Composite: 20.44/100
• National rank: #8582
• State rank: #476 of 539 in PA

Livability — Beech Mountain Lakes

• Score: 71/100
• State rank: #698
• US rank: #6837

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 9,946

Population outlook (Luzerne County) Hauer SSP2

• Today (2025): 319,505 people
• By 2030: 319,943 · +0.1%
• By 2040: 322,643 · +1.0%
• By 2050: 330,817 · +3.5%
• By 2075: 379,145 · +18.7%
• By 2100: 431,908 · +35.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 7% Two or more races 7% Black 2%
• Hispanic origin (detail): Puerto Rican 2% Dominican 4%
• Common ancestry: Romanian 10% Scotch-Irish 2% Iranian 2%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1% Arabic 1%

Political lean MEDSL · Luzerne

• 2024 margin: R (+19.2) · D 40.0% · R 59.2%
• 2008→2024 swing: -27.6pp toward R · 2008: 8.4pp · 2024: -19.2pp
• All cycles: 2024: R+19.2 2020: R+14.4 2016: R+19.6 2012: D+4.8 2008: D+8.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 28.01%
• Current HPI: 302.4923
• 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

+4.0% since first listed

9 events — show timeline

• 2026-06-08 Listed $295,000 LCAR
• 2024-12-23 Sold (MLS) $288,000 LCAR
• 2024-11-25 Pending — LCAR
• 2024-11-25 Price Changed $288,000 LCAR
• 2024-11-10 Relisted — LCAR
• 2024-11-10 Price Changed $283,645 LCAR
• 2024-10-25 Pending — LCAR
• 2024-10-25 Price Changed $294,800 LCAR
• 2024-06-24 Listed $283,645 LCAR