181 Windemere Ln · The Hideout, PA 18436

$260,000

3 bd · 2.0 ba · 1,848 sqft · SingleFamily public records · 48 Days on market

Built 1987 0.36 ac lot $141/sqft · 13% below area Est $347k · 25% under $189/mo HOA · 8% 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 +12.5/30.0
• Appreciation +10.0/10.0
• Schools +4.4/10.0
• 1% rule +4.1/10.0
• DSCR +3.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Spacious, bright, and inviting contemporary home in the Poconos featuring a desirable open floor plan perfect for entertaining and everyday living! This well-maintained home offers plenty of natural light, creating a warm and welcoming atmosphere throughout. With a proven short-term rental history, this property is an excellent opportunity for both personal use and investment potential. Not to mention a brand new roof in 2025!Located in the amenity-filled, gated recreational community of The Hideout, you'll enjoy access to lakes, pools, beaches, golf course, ski hill, bar, restaurant, fitness center, and tiki bar. Whether you're looking for a full-time residence, vacation getaway, or income-producing property, this home checks all the boxes!

Key facts

• Access to lakes
• Open floor plan
• Access to pools

Tags

• OPEN FLOOR PLAN
• SHORT-TERM RENTAL HISTORY
• GATED RECREATIONAL COMMUNITY
• ACCESS TO LAKES
• ACCESS TO POOLS
• ACCESS TO BEACHES

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $-96 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $243k (6.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $236k (9.1% below list).
• Recommended offer: $236k (9.1% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 5.0% in The Hideout — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 72/100 on livability (#668 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.
• Western Wayne SD (rural): math 39% / reading 63% proficiency, ranked #165 of 539 in PA (top 31%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 337 active listings in the ZIP; 177 units permitted in Wayne County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (10.0% local appreciation)).
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($252k) 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 $100k; list at $260k implies a 160% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $236,357 (9.1% 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. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.91% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.66%
• DSCR: 0.97
• GRM: 9.2

CMA / ARV

• ARV (median comp): $346,590
• List price: $260,000
• Delta: -24.98%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
155 Windemere Ln	0.13mi	3/2.5	1,836 (-1%)	9mo	$270,000	$147	83
20 Windemere Ln	0.20mi	4/2.0 (+1)	1,988 (+8%)	5mo	$242,000	$122	69
145 Lakeview Dr W	0.65mi	3/2.0	1,806 (-2%)	4mo	$310,000	$172	63
481 Lakeview Dr W	0.63mi	4/2.0 (+1)	1,890 (+2%)	1mo	$364,000	$193	61
34 Roamingwood Rd	0.35mi	3/3.0	2,012 (+9%)	8mo	$310,000	$154	58
267 Lakeview Dr W	0.63mi	4/2.0 (+1)	1,756 (-5%)	2mo	$349,000	$199	56
24 Lakewood Dr	0.74mi	4/2.0 (+1)	1,900 (+3%)	5mo	$240,000	$126	52
34 Glenwood Ln	0.70mi	4/2.0 (+1)	1,776 (-4%)	8mo	$266,770	$150	49
1208 Lakeview Dr W #368	0.60mi	4/3.0 (+1)	1,955 (+6%)	8mo	$995,000	$509	47
46 Roamingwood Rd	0.38mi	4/2.0 (+1)	2,124 (+15%)	8mo	$282,900	$133	46
582 Lakeview Dr W	0.62mi	3/3.0	1,692 (-8%)	9mo	$275,000	$163	46
152 Lakeview Dr W	0.63mi	3/2.5	2,055 (+11%)	14mo	$364,000	$177	39

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: 23.2%
• Equity multiple: 2.86×
• Total profit: $135,658
• Equity at exit: $234,229

10-year hold

• IRR: 20.7%
• Equity multiple: 6.56×
• Total profit: $404,547
• Equity at exit: $505,123

Cash invested: $72,800 (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 18436

• Home prices YoY: 16.9%
• Active inventory: 337
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,364 medium
• Mortgage (P&I): −$1,363
• Tax from tax record: −$246 /mo · $2,957/yr
• Insurance: −$108
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$189
• Vacancy / Maint / Mgmt: −$496
• Net cashflow: $-96

Break-even live

Break-even rent $2,484

Max offer price $243,129

Occupancy floor 99%

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: $65,000
• Closing costs: $7,800
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $189 · $2,268/yr
• Likely covers: poolgymsecurity

Listing history 5 events

1. 2026-04-22
   status Active 751-char remark

   Show marketing remark (751 chars)

   Spacious, bright, and inviting contemporary home in the Poconos featuring a desirable open floor plan perfect for entertaining and everyday living! This well-maintained home offers plenty of natural light, creating a warm and welcoming atmosphere throughout. With a proven short-term rental history, this property is an excellent opportunity for both personal use and investment potential. Not to mention a brand new roof in 2025!Located in the amenity-filled, gated recreational community of The Hideout, you'll enjoy access to lakes, pools, beaches, golf course, ski hill, bar, restaurant, fitness center, and tiki bar. Whether you're looking for a full-time residence, vacation getaway, or income-producing property, this home checks all the boxes!

2. 2026-04-16
   status Pending 751-char remark

   Show marketing remark (751 chars)

   Spacious, bright, and inviting contemporary home in the Poconos featuring a desirable open floor plan perfect for entertaining and everyday living! This well-maintained home offers plenty of natural light, creating a warm and welcoming atmosphere throughout. With a proven short-term rental history, this property is an excellent opportunity for both personal use and investment potential. Not to mention a brand new roof in 2025!Located in the amenity-filled, gated recreational community of The Hideout, you'll enjoy access to lakes, pools, beaches, golf course, ski hill, bar, restaurant, fitness center, and tiki bar. Whether you're looking for a full-time residence, vacation getaway, or income-producing property, this home checks all the boxes!

3. 2026-03-26
   listed $260,000 Active 751-char remark

   Show marketing remark (751 chars)

   Spacious, bright, and inviting contemporary home in the Poconos featuring a desirable open floor plan perfect for entertaining and everyday living! This well-maintained home offers plenty of natural light, creating a warm and welcoming atmosphere throughout. With a proven short-term rental history, this property is an excellent opportunity for both personal use and investment potential. Not to mention a brand new roof in 2025!Located in the amenity-filled, gated recreational community of The Hideout, you'll enjoy access to lakes, pools, beaches, golf course, ski hill, bar, restaurant, fitness center, and tiki bar. Whether you're looking for a full-time residence, vacation getaway, or income-producing property, this home checks all the boxes!

4. 2021-10-19
   soldstatus $100,000
5. 1989-09-29
   soldstatus $128,000

ⓘ 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: $2,957 · $246/mo
• Projected year-2 tax: $3,532 · $294/mo
• Expected delta: +$576/yr (+$48/mo · 19.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 76% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% 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: $28,363
• − Mortgage interest: −$14,564
• − Property taxes: −$2,957
• − Insurance: −$1,966
• − Repairs & maintenance: −$2,269
• − Management: −$2,269
• − HOA: −$2,268
• − Depreciation: −$7,564
• Taxable loss: −$5,494
• Est. tax savings @ 24.0%: +$1,319
• After-tax cash flow: $173/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: Western Wayne SD
• NCES district ID: 4226070
• Math proficiency: 39% ▼ -12.00%
• Reading proficiency: 63% ▼ -6.00%
• Median HH income: $51,358
• Composite: 43.65/100
• National rank: #2964
• State rank: #165 of 539 in PA

Livability — The Hideout

• Score: 72/100
• State rank: #668
• US rank: #6516

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

• Census place: The Hideout, PA
• Population (ZIP): 13,225

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 47,924 people
• By 2030: 46,191 · -3.6%
• By 2040: 42,815 · -10.7%
• By 2050: 39,873 · -16.8%
• By 2075: 34,556 · -27.9%
• By 2100: 28,358 · -40.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 9% Scotch-Irish 2% Iranian 2%
• Foreign-born: 4%
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Russian/Polish/Slavic 1% Spanish 1%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+37.1) · D 31.1% · R 68.2%
• 2008→2024 swing: -24.8pp toward R · 2008: -12.3pp · 2024: -37.1pp
• All cycles: 2024: R+37.1 2020: R+33.6 2016: R+39.7 2012: R+20.9 2008: R+12.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 47.95%
• Current HPI: 331.9645
• 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

+103.1% since first listed

5 events — show timeline

• 2026-04-22 Relisted — PWMLS
• 2026-04-16 Pending — PWMLS
• 2026-03-26 Listed $260,000 PWMLS
• 2021-10-19 Sold (Public Records) $100,000 Public Records
• 1989-09-29 Sold (Public Records) $128,000 Public Records

Property tax history

+1.3%/yr

Latest (2026): $2,957 · +3.0% YoY. Source: county tax records.