139 Jungfrau Dr · Penn Estates, PA 18332

$175,000

3 bd · 2.0 ba · 1,084 sqft · SingleFamily public records · 17 Days on market

Built 1966 0.72 ac lot $161/sqft · 31% below area Est $265k · 34% under $50/mo HOA · 3% of rent

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Why this score? — see what drove the C 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
• Cash flow +13.6/30.0
• Appreciation +5.5/10.0
• 1% rule +4.4/10.0
• DSCR +4.1/10.0
• Schools +4.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

CALLING ALL VISIONARIES, INVESTORS, AND BRAVE SOULS! This 3BD/2BTH Ranch is unique in every way and offers over 1,100sf of living space, a large screened-in front porch, and is tucked away on 0.72 tree-lined acres on a quiet cul-de-sac in Alpine Lake Estates! If you've been waiting for a project that truly tests your creativity (and possibly your tool collection), you've come to the right place! This home is not for the faint of heart--but for the right person, it's a blank canvas with serious potential. Bring your contractor, your imagination and a strong cup of coffee! HGTV Fans--this is your moment! Features include vaulted ceilings; a spacious Living Room with skylight, a fireplace with floor-to-ceiling stone surround, double sliders lead out to the screened front porch; 2 Bedrooms with private full baths; closets with built-in storage throughout; an Eat-In Kitchen with newer tile floors, countertop and backsplash. The home is light, bright, and has a nicely landscaped front yard and a spacious back yard--great for kids and pets. Enjoy a short walk to the community lake, beach, and recreation area, with convenient access to major roads, shopping, skiing, Camelback Mountain Resort, and other local attractions. Built in 1966 with a septic replacement in 2013. No FHA/VA/USDA financing and NO SHORT-TERM RENTALS permitted. Seller will NOT be making repairs and the home is SOLD AS-IS. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR APPOINTMENT TODAY!

Key facts

• Cul de sac
• Vaulted ceilings
• Tree lined acres

Tags

• SCREENED IN FRONT PORCH
• TREE LINED ACRES
• CUL DE SAC
• VAULTED CEILINGS
• SPACIOUS LIVING ROOM
• FIREPLACE WITH STONE SURROUND

Property features AI

Finance

• HOA & community: Association fee of $600 annually

Exterior

• Parking: No garage; Off-street parking
• Utilities: Well water; Septic tank; Electric service with 150 amps and circuit breakers
• Home design: Single-story home; Exterior entry to crawl space/basement
• Construction: T1-11 and wood siding; Asphalt/fiberglass roof; Crawl space foundation; Year built: unknown
• Exterior features: Front porch; Screened porch with corrugated roofing and carpeting; Shed(s) on property; Propane tank (leased); Property located on a cul-de-sac; Wooded lot; Private road access (unimproved surface)

Interior

• Kitchen: Eat-in kitchen with dining area; Built-in cabinetry and storage; Formica countertops with tile backsplash; Tile floors; Propane stove
• Bedrooms: Primary bedroom on first level with large single vanity, built-in storage, lighted mirror, laundry closet with shelving, built-in make-up area, single shower with glass door, double closet with built-in shelving; Second bedroom on first level fits king bed with slider to yard; Third bedroom on first level with laminate floors, large closet with built-in shelving, crown and chair molding (fits twin bed); Fourth bedroom on first level with laminate floors, single closet with built-in shelves, bookcases, double window, attic access, private full bath (fits full bed)
• Flooring: Laminate floors; Resilient (vinyl) floors; Tile floors; Carpet in screened porch
• Bathrooms: Two full bathrooms; Full bath with tub, tile surround, window, vinyl tile floors, lighted medicine chest, single vanity with storage; Primary bath with single shower and large single vanity
• Heating & cooling: Baseboard heating; Electric heating; Propane heating; Fireplace heating (living room); Ceiling fan(s) for cooling; Living room gas log fireplace with insert
• Interior features: Eat-in kitchen; Vaulted ceilings; Skylights; Walk-in closet(s); Storm door(s)
• Laundry & utility: Washer and electric dryer included; Electric dryer hookup on main level; Laundry closet with shelving (full-size machines)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $10 ($123/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (5.7% below list).
• Recommended offer: $165k (5.7% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 3.8% in Penn Estates — 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 68/100 on livability (#915 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: health & safety D, schools D-, amenities 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: 55 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 $3k of equity ($1k loan paydown + $2k appreciation (1.0% 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 (1.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
• 2 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 $95k; list at $175k implies a 84% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $165,000 (5.7% below list)

Questions for the listing agent

1. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 0.94% ✗
• Cap rate: 6.36%
• Cash-on-cash: 0.25%
• DSCR: 1.01
• GRM: 8.8

CMA / ARV

• ARV (median comp): $264,906
• List price: $175,000
• Delta: -33.94%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
115 Tannenbaum Way	0.24mi	3/2.0	972 (-10%)	6mo	$185,000	$190	67
2139 Lake Dr	0.70mi	3/1.0	1,008 (-7%)	9mo	$212,500	$211	44

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

Projected returns pro-forma

1.04% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.7%
• Equity multiple: 1.09×
• Total profit: $4,332
• Equity at exit: $60,093

10-year hold

• IRR: 6.4%
• Equity multiple: 1.78×
• Total profit: $38,193
• Equity at exit: $80,131

Cash invested: $49,000 (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 18332

• Home prices YoY: 0.6%
• Active inventory: 55
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,650 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$253 /mo · $3,031/yr
• Insurance: −$73
• HOA: −$50
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $10

Break-even live

Break-even rent $1,637

Max offer price $175,000

Occupancy floor 94%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
349 Shine Hill Rd Henryville, PA	2.0	1.0	940	$1,650	$1.76	44d	1	1.37mi

HOA detail

• Monthly dues: $50 · $600/yr

Listing history 6 events

1. 2026-05-12
   status Pending 1502-char remark

   Show marketing remark (1469 chars)

   CALLING ALL VISIONARIES, INVESTORS, AND BRAVE SOULS! This 3BD/2BTH Ranch is unique in every way and offers over 1,100sf of living space, a large screened-in front porch, and is tucked away on 0.72 tree-lined acres on a quiet cul-de-sac in Alpine Lake Estates! If you've been waiting for a project that truly tests your creativity (and possibly your tool collection), you've come to the right place! This home is not for the faint of heart--but for the right person, it's a blank canvas with serious potential. Bring your contractor, your imagination and a strong cup of coffee! HGTV Fans--this is your moment! Features include vaulted ceilings; a spacious Living Room with skylight, a fireplace with floor-to-ceiling stone surround, double sliders lead out to the screened front porch; 2 Bedrooms with private full baths; closets with built-in storage throughout; an Eat-In Kitchen with newer tile floors, countertop and backsplash. The home is light, bright, and has a nicely landscaped front yard and a spacious back yard--great for kids and pets. Enjoy a short walk to the community lake, beach, and recreation area, with convenient access to major roads, shopping, skiing, Camelback Mountain Resort, and other local attractions. Built in 1966 with a septic replacement in 2013. No FHA/VA/USDA financing and NO SHORT-TERM RENTALS permitted. Seller will NOT be making repairs and the home is SOLD AS-IS. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR APPOINTMENT TODAY!

2. 2026-05-12
   status Pending 1469-char remark

   Show marketing remark (1469 chars)

   CALLING ALL VISIONARIES, INVESTORS, AND BRAVE SOULS! This 3BD/2BTH Ranch is unique in every way and offers over 1,100sf of living space, a large screened-in front porch, and is tucked away on 0.72 tree-lined acres on a quiet cul-de-sac in Alpine Lake Estates! If you've been waiting for a project that truly tests your creativity (and possibly your tool collection), you've come to the right place! This home is not for the faint of heart--but for the right person, it's a blank canvas with serious potential. Bring your contractor, your imagination and a strong cup of coffee! HGTV Fans--this is your moment! Features include vaulted ceilings; a spacious Living Room with skylight, a fireplace with floor-to-ceiling stone surround, double sliders lead out to the screened front porch; 2 Bedrooms with private full baths; closets with built-in storage throughout; an Eat-In Kitchen with newer tile floors, countertop and backsplash. The home is light, bright, and has a nicely landscaped front yard and a spacious back yard--great for kids and pets. Enjoy a short walk to the community lake, beach, and recreation area, with convenient access to major roads, shopping, skiing, Camelback Mountain Resort, and other local attractions. Built in 1966 with a septic replacement in 2013. No FHA/VA/USDA financing and NO SHORT-TERM RENTALS permitted. Seller will NOT be making repairs and the home is SOLD AS-IS. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR APPOINTMENT TODAY!

3. 2026-04-24
   listed $175,000 Active 1502-char remark

   Show marketing remark (1469 chars)

   CALLING ALL VISIONARIES, INVESTORS, AND BRAVE SOULS! This 3BD/2BTH Ranch is unique in every way and offers over 1,100sf of living space, a large screened-in front porch, and is tucked away on 0.72 tree-lined acres on a quiet cul-de-sac in Alpine Lake Estates! If you've been waiting for a project that truly tests your creativity (and possibly your tool collection), you've come to the right place! This home is not for the faint of heart--but for the right person, it's a blank canvas with serious potential. Bring your contractor, your imagination and a strong cup of coffee! HGTV Fans--this is your moment! Features include vaulted ceilings; a spacious Living Room with skylight, a fireplace with floor-to-ceiling stone surround, double sliders lead out to the screened front porch; 2 Bedrooms with private full baths; closets with built-in storage throughout; an Eat-In Kitchen with newer tile floors, countertop and backsplash. The home is light, bright, and has a nicely landscaped front yard and a spacious back yard--great for kids and pets. Enjoy a short walk to the community lake, beach, and recreation area, with convenient access to major roads, shopping, skiing, Camelback Mountain Resort, and other local attractions. Built in 1966 with a septic replacement in 2013. No FHA/VA/USDA financing and NO SHORT-TERM RENTALS permitted. Seller will NOT be making repairs and the home is SOLD AS-IS. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR APPOINTMENT TODAY!

4. 2026-04-24
   listed $175,000 Active 1469-char remark

   Show marketing remark (1469 chars)

   CALLING ALL VISIONARIES, INVESTORS, AND BRAVE SOULS! This 3BD/2BTH Ranch is unique in every way and offers over 1,100sf of living space, a large screened-in front porch, and is tucked away on 0.72 tree-lined acres on a quiet cul-de-sac in Alpine Lake Estates! If you've been waiting for a project that truly tests your creativity (and possibly your tool collection), you've come to the right place! This home is not for the faint of heart--but for the right person, it's a blank canvas with serious potential. Bring your contractor, your imagination and a strong cup of coffee! HGTV Fans--this is your moment! Features include vaulted ceilings; a spacious Living Room with skylight, a fireplace with floor-to-ceiling stone surround, double sliders lead out to the screened front porch; 2 Bedrooms with private full baths; closets with built-in storage throughout; an Eat-In Kitchen with newer tile floors, countertop and backsplash. The home is light, bright, and has a nicely landscaped front yard and a spacious back yard--great for kids and pets. Enjoy a short walk to the community lake, beach, and recreation area, with convenient access to major roads, shopping, skiing, Camelback Mountain Resort, and other local attractions. Built in 1966 with a septic replacement in 2013. No FHA/VA/USDA financing and NO SHORT-TERM RENTALS permitted. Seller will NOT be making repairs and the home is SOLD AS-IS. CHECK OUT OUR VIRTUAL TOUR AND SCHEDULE YOUR APPOINTMENT TODAY!

5. 2013-10-29
   soldstatus $95,000
6. 1988-07-28
   soldstatus $75,000

ⓘ 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: $3,031 · $253/mo
• Projected year-2 tax: $3,031 · $253/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 5/10 Major
• 🌡 Heat 3/10 Moderate 7 d/yr ≥93°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $19,800
• − Mortgage interest: −$9,803
• − Property taxes: −$3,031
• − Insurance: −$875
• − Repairs & maintenance: −$1,584
• − Management: −$1,584
• − HOA: −$600
• − Depreciation: −$5,091
• Taxable loss: −$2,768
• Est. tax savings @ 24.0%: +$664
• After-tax cash flow: $787/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: 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 — Penn Estates

• Score: 68/100
• State rank: #915
• US rank: #9917

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,692

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: Predominantly White (72%)
• Race & ethnicity: White 72% Black 13% Hispanic / Latino 11% Two or more races 11%
• Hispanic origin (detail): Puerto Rican 9% Dominican 1%
• Common ancestry: Romanian 12% Italian 2% Slovak 2%
• Foreign-born: 12% · Canada
• Languages at home: 83% English-only · Spanish 9% Russian/Polish/Slavic 3% Other Indo-European 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: ▲ 1.04%
• Current HPI: 168.6948
• 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

+133.3% since first listed

6 events — show timeline

• 2026-05-12 Pending — GLVRMLS
• 2026-05-12 Pending — PMAR
• 2026-04-24 Listed $175,000 PMAR
• 2026-04-24 Listed $175,000 GLVRMLS
• 2013-10-29 Sold (Public Records) $95,000 Public Records
• 1988-07-28 Sold (Public Records) $75,000 Public Records

Property tax history

+1.6%/yr

Latest (2026): $3,031 · +2.1% YoY. Source: county tax records.