113 Lenape Trl · Penn Forest, PA 18210

$229,000

3 bd · 2.0 ba · 1,692 sqft · SingleFamily public records · 23 Days on market

Built 1971 0.45 ac lot Est $291k · 21% under $113/mo HOA · 5% 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).

• Cash flow +18.6/30.0
• ARV discount +15.0/15.0
• DSCR +5.9/10.0
• 1% rule +5.0/10.0
• Appreciation +3.6/10.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this cape styled home in this amenity rich Community & also STR friendly. This home offers a flex spage with a large bedroom and bath down and 2 bedrooms and bath up. Newer roof, 2 mini splits, an attached garage and WB f/p. in Living Room. Enter into large living room that is open to dining room and kitchen. Shine this place up today and enjoy your stay.

Key facts

• 0.45 acre lot
• Garage
• Community pool

Property features AI

Finance

• Other: Located in the Indian Mountain Lakes subdivision; Road is paved and privately maintained; Lot is level and cleared (0.45 acre)
• HOA & community: Homeowners association with annual fee; Association fee: $1,350 annually (about $112.50/month); Association amenities include security, gated entry, clubhouse, playground, recreation room, game room, tennis courts, and pool; Association fee includes trash and security

Exterior

• Parking: Attached garage (1 space); Driveway parking; 4 open parking spaces; Garage faces front
• Utilities: Private well water; Septic tank sewer; 200+ amp electrical service
• Home design: Single-family house; 2 stories
• Construction: Vinyl siding; Asphalt roof; Crawl space foundation; Built as residential single-family
• Exterior features: Storage; Deck; Backyard fencing

Interior

• Kitchen: Cooktop; Electric cooktop; Electric oven; Refrigerator; Microwave
• Flooring: Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Ductless heating; Electric heating; Ductless cooling; Ceiling fan(s)
• Interior features: Breakfast bar; Kitchen island; Laminate countertops; Cathedral ceilings; High ceilings; Open floor plan; Ceiling fans; Wood-burning fireplace in the living room; Unfurnished
• Laundry & utility: Washer; Dryer; Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $224 ($3k/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 $228k (0.4% below list).
• Recommended offer: $226k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Jim Thorpe Area SD (rural): math 25% / reading 47% proficiency, ranked #394 of 539 in PA (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 453 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 180 units permitted in Carbon County in 2024 (10 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.9%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Carbon County population projected at -18% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• 22 sale attempts since 21y 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.
• Current owner paid $111k; list at $229k implies a 106% gain — meaningful room to come down on a strong offer.

Recommended offer $225,565 (1.5% below list)

Questions for the listing agent

1. Built in 1971 — 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. 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: 1.00% ✗
• Cap rate: 7.47%
• Cash-on-cash: 4.19%
• DSCR: 1.19
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $291,024
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
121 Mohawk Trl	0.21mi	3/2.0	1,660 (-2%)	9mo	$355,000	$214	80
115 Buckhill Rd	0.09mi	3/2.5	1,600 (-5%)	11mo	$310,000	$194	76
57 Mohawk Trl	0.20mi	4/3.0 (+1)	1,800 (+6%)	9mo	$292,000	$162	63
22 Shawnee Trl	0.39mi	2/2.0 (-1)	1,824 (+8%)	9mo	$292,000	$160	56
59 Lenape Trl	0.27mi	3/2.0	1,924 (+14%)	14mo	$2,650,000	$1,377	52
104 Wintergreen Trl	0.51mi	4/3.0 (+1)	1,854 (+10%)	1mo	$254,950	$138	50
119 Woodland Rd	0.65mi	3/2.5	1,727 (+2%)	18mo	$280,000	$162	49
130 Brittany Dr	0.68mi	3/2.0	1,886 (+12%)	1mo	$410,000	$217	49
53 Red Ridge Trl	0.47mi	3/2.0	1,482 (-12%)	22mo	$284,900	$192	39
9 Wampum Ct	0.71mi	4/1.5 (+1)	1,920 (+14%)	15mo	$205,000	$107	25
32 Hunter Ln	0.73mi	4/2.0 (+1)	1,456 (-14%)	22mo	$250,000	$172	19

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

Projected returns pro-forma

-2.89% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -9.2%
• Equity multiple: 0.66×
• Total profit: $-21,731
• Equity at exit: $35,299

10-year hold

• IRR: 0.1%
• Equity multiple: 1.01×
• Total profit: $492
• Equity at exit: $21,788

Cash invested: $64,120 (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 18210

• Home prices YoY: -1.4%
• Active inventory: 453
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,282 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$169 /mo · $2,034/yr
• Insurance: −$95
• HOA: −$113
• Vacancy / Maint / Mgmt: −$479
• Net cashflow: $224

Break-even live

Break-even rent $1,998

Max offer price $229,000

Occupancy floor 85%

Sensitivity live

Price	-10% $354	-5% $289	+0% $224	+5% $159	+10% $94
Rent	-10% $44	-5% $134	+0% $224	+5% $314	+10% $404
Rate	-1.0pp $339	-0.5pp $282	base $224	+0.5pp $165	+1.0pp $104

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
35 Grouse Trl Albrightsville, PA	3.0	2.0	1399	$2,500	$1.79	15d	1	0.79mi
40 Nosirrah Rd Albrightsville, PA	4.0	1.0	1338	$1,995	$1.49	15d	1	1.05mi
113 Meckesville Rd Albrightsville, PA	4.0	2.5	1721	$2,500	$1.45	20d	1	1.36mi
798 Towamensing Trl Albrightsville, PA	3.0	2.5	1568	$2,150	$1.37	22d	1	1.45mi
798 Towamensing Trl Albrightsville, PA	3.0	2.5	1568	$2,150	$1.37	45d	1	1.45mi

HOA detail

• Monthly dues: $113 · $1,356/yr

Listing history 50 events

1. 2026-06-18
   days on market $229,000 Active 23 DOM
2. 2026-06-17
   days on market $229,000 Active 22 DOM
3. 2026-06-16
   days on market $229,000 Active 21 DOM
4. 2026-06-15
   days on market $229,000 Active 20 DOM
5. 2026-06-14
   days on market $229,000 Active 18 DOM
6. 2026-06-10
   days on market $229,000 Active 15 DOM
7. 2026-06-09
   days on market $229,000 Active 14 DOM
8. 2026-06-08
   days on market $229,000 Active 13 DOM
9. 2026-06-07
   days on market $229,000 Active 12 DOM
10. 2026-06-03
    days on market $229,000 Active 8 DOM
11. 2026-06-02
    days on market $229,000 Active 7 DOM
12. 2026-06-01
    days on market $229,000 Active 6 DOM
13. 2026-05-31
    days on market $229,000 Active 5 DOM
14. 2026-05-31
    days on market $229,000 Active 4 DOM
15. 2026-05-27
    listed $229,000 Active
16. 2025-12-25
    historical
17. 2025-11-15
    historical
18. 2025-10-22
    price $219,000
19. 2025-09-27
    listed $239,000 Active
20. 2025-09-11
    historical
21. 2025-09-11
    historical
22. 2025-09-10
    historical
23. 2025-08-21
    price $239,900
24. 2025-08-21
    price $239,900
25. 2025-08-21
    price $239,900
26. 2025-08-11
    price $259,000
27. 2025-08-11
    price $259,000
28. 2025-08-11
    price $259,000
29. 2025-08-06
    listed $279,000 Active
30. 2025-08-05
    listed $279,000 Active
31. 2025-08-02
    listed $279,000 Active
32. 2025-06-10
    historical
33. 2025-06-05
    historical
34. 2025-06-04
    historical
35. 2025-01-16
    price $225,000
36. 2025-01-16
    price $225,000
37. 2025-01-15
    price $225,000
38. 2024-12-15
    listed $250,000 Active
39. 2024-12-04
    listed $250,000 Active
40. 2024-12-04
    listed $250,000 Active
41. 2022-10-14
    soldstatus $111,000
42. 2022-09-28
    historical
43. 2022-09-19
    listed $99,900 Active
44. 2022-09-16
    soldstatus $80,000
45. 2022-08-09
    historical
46. 2022-07-29
    listed $99,900
47. 2022-07-29
    listed $99,900 Active
48. 2022-07-29
    listed $99,900
49. 2022-04-18
    historical
50. 2016-06-27
    listed $109,900

ⓘ 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: $2,034 · $169/mo
• Projected year-2 tax: $2,826 · $235/mo
• Expected delta: +$792/yr (+$66/mo · 39.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 1 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,382
• − Mortgage interest: −$12,828
• − Property taxes: −$2,034
• − Insurance: −$1,145
• − Repairs & maintenance: −$2,191
• − Management: −$2,191
• − HOA: −$1,356
• − Depreciation: −$6,662
• Taxable loss: −$1,023
• Est. tax savings @ 24.0%: +$245
• After-tax cash flow: $2,932/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: Jim Thorpe Area SD
• NCES district ID: 4212540
• Math proficiency: 25% ▼ -12.00%
• Reading proficiency: 47% ▼ -11.00%
• Median HH income: $53,476
• Composite: 31.42/100
• National rank: #5988
• State rank: #394 of 539 in PA

Livability — Penn Forest

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Indian Mountain Lake, PA
• Population (ZIP): 7,879

Population outlook (Carbon County) Hauer SSP2

• Today (2025): 61,643 people
• By 2030: 59,840 · -2.9%
• By 2040: 55,413 · -10.1%
• By 2050: 50,843 · -17.5%
• By 2075: 43,326 · -29.7%
• By 2100: 37,126 · -39.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 22% Two or more races 11% Black 6% Native American 1% Asian 1%
• Hispanic origin (detail): Puerto Rican 12% Cuban 2% Dominican 1%
• Common ancestry: Romanian 8% Russian 4% Iranian 2%
• Foreign-born: 12% · Canada
• Languages at home: 81% English-only · Spanish 10% Russian/Polish/Slavic 7% Other Indo-European 1%

Political lean MEDSL · Carbon

• 2024 margin: Solid R (+34.8) · D 32.2% · R 67.0%
• 2008→2024 swing: -36.7pp toward R · 2008: 1.9pp · 2024: -34.8pp
• All cycles: 2024: R+34.8 2020: R+32.0 2016: R+34.1 2012: R+6.9 2008: D+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -2.89%
• Current HPI: 203.8099
• 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

+76.3% since first listed

48 events — show timeline

• 2026-05-27 Listed $229,000 PMAR
• 2025-12-25 Delisted — PMAR
• 2025-11-15 Listing Removed — GLVRMLS
• 2025-10-22 Price Changed $219,000 PMAR
• 2025-09-27 Listed $239,000 PMAR
• 2025-09-11 Listing Removed — GLVRMLS
• 2025-09-11 Delisted — PMAR
• 2025-09-10 Listing Removed — BRIGHT MLS
• 2025-08-21 Price Changed $239,900 BRIGHT MLS
• 2025-08-21 Price Changed $239,900 GLVRMLS
• 2025-08-21 Price Changed $239,900 PMAR
• 2025-08-11 Price Changed $259,000 BRIGHT MLS
• 2025-08-11 Price Changed $259,000 PMAR
• 2025-08-11 Price Changed $259,000 GLVRMLS
• 2025-08-06 Listed $279,000 BRIGHT MLS
• 2025-08-05 Listed $279,000 GLVRMLS
• 2025-08-02 Listed $279,000 PMAR
• 2025-06-10 Listing Removed — BRIGHT MLS
• 2025-06-05 Delisted — PMAR
• 2025-06-04 Listing Removed — GLVRMLS
• 2025-01-16 Price Changed $225,000 BRIGHT MLS
• 2025-01-16 Price Changed $225,000 PMAR
• 2025-01-15 Price Changed $225,000 GLVRMLS
• 2024-12-15 Listed $250,000 BRIGHT MLS
• 2024-12-04 Listed $250,000 GLVRMLS
• 2024-12-04 Listed $250,000 PMAR
• 2022-10-14 Sold (Public Records) $111,000 Public Records
• 2022-09-28 Listing Removed — GLVRMLS
• 2022-09-19 Listed $99,900 PMAR
• 2022-09-16 Sold (Public Records) $80,000 Public Records
• 2022-08-09 Listing Removed — GLVRMLS
• 2022-07-29 Listed $99,900 GLVRMLS
• 2022-07-29 Listed $99,900 GLVRMLS
• 2022-07-29 Listed $99,900 PMAR
• 2022-04-18 Listing Removed — GLVRMLS
• 2016-06-27 Listed $109,900 GLVRMLS
• 2016-06-27 Listed $109,900 PMAR
• 2014-09-29 Listed $127,900 PMAR
• 2008-07-31 Listed $140,000 PMAR
• 2008-04-07 Sold (Public Records) $84,000 Public Records
• 2008-04-07 Sold (MLS) $84,000 PMAR
• 2008-04-07 Sold (MLS) $84,000 GLVRMLS
• 2008-03-13 Listed $84,000 GLVRMLS
• 2008-03-10 Listed $84,000 PMAR
• 2008-01-23 Listed $84,000 GLVRMLS
• 2008-01-22 Listed $84,000 PMAR
• 2007-06-29 Listed $94,900 PMAR
• 2005-04-30 Listed $129,900 PMAR

Property tax history

-0.3%/yr

Latest (2026): $2,034 · -12.1% YoY. Source: county tax records.