3797 Mangrove Dr · Lehigh, PA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $511 – $949
Heat risk 4/10 · Minor
- Hot days now (above 99°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 15.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +22.2/30.0
- ARV discount +15.0/15.0
- DSCR +7.1/10.0
- 1% rule +5.4/10.0
- Schools +4.4/10.0
- Rent growth +2.8/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$129,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!
Key facts
- Public sewer
- Screened-in porch
- Attached garage
Tags
Property features AI
Exterior
- Parking: Built-in garage; Garage (1 car); Off-street parking
- Utilities: Public sewer; Well water
- Home design: Single-story home; Above-grade finished area listed
- Construction: Aluminum siding; Wood siding; Asphalt/fiberglass roof
- Exterior features: Patio; Not in a subdivision; Property offers views
Interior
- Kitchen: Electric oven; Electric range; Refrigerator
- Bedrooms: Total of 5 rooms (includes bedrooms and living spaces)
- Flooring: Luxury vinyl; Luxury vinyl plank
- Bathrooms: 1 full bathroom
- Heating & cooling: Baseboard heating; Electric heating; 200+ amp electrical service with circuit breakers
- Interior features: Dining area; Eat-in kitchen; Mud room; Utility room; Has view
- Laundry & utility: Laundry on main level; Gas water heater
Neighborhood map
What this means for you Summary
Snapshot
- This is a 1-bed/1.0-bath single-family listed at $130k.
Deal economics
- At list price, monthly cash flow is $211 ($3k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $130k).
Location & tenants
- Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
- Northampton Area SD (suburban): math 47% / reading 54% proficiency, ranked #153 of 539 in PA (top 28%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Lehigh El Sch (math 57% / reading 62%, grade B-, #377 of 1,518 statewide, top 28%, 492 students, 39% FRL); Northampton Area Ms (math 24% / reading 46%, grade F, #322 of 512 statewide, top 64%, 1,256 students, 42% FRL); Northampton Area Hs (math 60% / reading 24%, grade F, #230 of 437 statewide, top 53%, 1,862 students, 31% FRL) — zoned schools average 38% FRL vs 22% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+1.3%/yr); 99 active listings in the ZIP; solid renter incomes; 567 units permitted in Northampton County in 2024 (151 in 5+ unit buildings).
- This rent is only 17% of the median local income ($94k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
Negotiation context
- Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
- 2 sale attempts since 10y 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
- Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 1.04% ✓
- Cap rate
- 8.24%
- Cash-on-cash
- 6.96%
- DSCR
- 1.31
- GRM
- 8.0
CMA / ARV
- ARV (median comp)
- $223,683
- List price
- $129,900
- Delta
- -41.93%
- Verdict
- UNDERPRICED
- Comps
- 2 within 2.0 mi
Projected returns pro-forma
-3.0% appreciation · 1.28% rent growth · sell at horizon
- IRR
- -7.5%
- Equity multiple
- 0.73×
- Total profit
- $-9,921
- Equity at exit
- $19,369
- IRR
- -0.2%
- Equity multiple
- 0.99×
- Total profit
- $-465
- Equity at exit
- $11,231
Cash invested: $36,372 (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
ZIP-level market 18067
- Rents YoY
- 1.3%
- Active inventory
- 99
- Price-to-rent
- 8.0×
Monthly cashflow live
- Estimated rent
- $1,348 medium interval (Pro) →
- Mortgage (P&I)
- −$681
- Tax from tax record
- −$119 /mo · $1,423/yr
- Insurance
- −$54
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$283
- Net cashflow
- $211
Break-even live
Sensitivity live
| Price | -10% $284 | -5% $248 | +0% $211 | +5% $174 | +10% $137 |
|---|---|---|---|---|---|
| Rent | -10% $104 | -5% $158 | +0% $211 | +5% $264 | +10% $317 |
| Rate | -1.0pp $276 | -0.5pp $244 | base $211 | +0.5pp $177 | +1.0pp $143 |
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
- $32,475
- Closing costs
- $3,897
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 6 events
-
2026-05-06status Pending 513-char remark
-
2026-04-29$129,900 Active 513-char remark
-
2017-05-24soldstatus $60,000
-
2017-05-19soldstatus $60,000 Sold 176-char remark
Show marketing remark (176 chars)
Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!
-
2017-04-03status Pending 176-char remark
Show marketing remark (176 chars)
Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!
-
2016-12-14$63,000 Active 176-char remark
Show marketing remark (176 chars)
Great property in Northampton PA! Why rent when you can buy or this is a great investment property. Newly renovated and ready to move in. Quiet area off of 248 come and visit!
ⓘ 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
- $1,423 · $119/mo
- Projected year-2 tax
- $1,738 · $145/mo
- Expected delta
- +$315/yr (+$26/mo · 22.1%)
ⓘ 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 1/10 Low
- Heat 4/10 Moderate 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
- Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,173
- − Mortgage interest
- −$7,276
- − Property taxes
- −$1,423
- − Insurance
- −$650
- − Repairs & maintenance
- −$1,294
- − Management
- −$1,294
- − Depreciation
- −$3,779
- Taxable income
- $458
- Est. tax owed @ 24.0%
- −$110
- After-tax cash flow
- $2,420/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
- Northampton Area SD
- NCES district ID
- 4217370
- Math proficiency
- 47% ▼ -1.00%
- Reading proficiency
- 54% ▼ -13.00%
- Median HH income
- $62,326
- Composite
- 44.35/100
- National rank
- #2822
- State rank
- #153 of 539 in PA
Livability — Lehigh
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- County
- Northampton County · 236,814 people
- Metro
- Allentown-Bethlehem-Easton, PA-NJ
- Population (ZIP)
- 19,590
- Household income
- $93,652
- Rent vs Own
- Severe rent burden
- 326.0
Population outlook (Northampton County) Hauer SSP2
- Today (2025)
- 312,227 people
- By 2030
- 314,769 · +0.8%
- By 2040
- 316,914 · +1.5%
- By 2050
- 318,037 · +1.9%
- By 2075
- 334,003 · +7.0%
- By 2100
- 344,696 · +10.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (85%)
- Race & ethnicity
- White 85% Hispanic / Latino 10% Two or more races 7% Asian 1% Black 1%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 6% Dominican 1%
- Common ancestry
- Polish 4% Romanian 3% Scotch-Irish 2%
- Foreign-born
- 5% · Canada, China
- Languages at home
- 92% English-only · Spanish 3% Other Indo-European 2% Russian/Polish/Slavic 1%
Political lean MEDSL · Northampton
- 2024 margin
- Toss-up / Even · D 48.6% · R 50.4%
- 2008→2024 swing
- -14.1pp toward R · 2008: 12.3pp · 2024: -1.8pp
- All cycles
- 2024: R+1.8 2020: D+0.7 2016: R+3.8 2012: D+4.6 2008: D+12.3
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -183.11%
- Current HPI
- 222.3606
- Rent YoY
- ▲ 1.28%
- Metro
- Allentown-Bethlehem-Easton, PA-NJ
- State GDP YoY
- ▲ 1.68%
- F500 in state
- 34
Industry mix (Fortune 500 HQ in PA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Healthcare | 2 | $309B |
|
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| Insurance | 2 | $27B |
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| Telecommunications / Media | 1 | $124B |
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| Industrial Distribution | 1 | $22B |
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| Financial Services | 1 | $20B |
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| Chemicals / Materials | 1 | $18B |
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Price history
+114.3% since first listed7 events — show timeline
- 2026-06-09 Sold (Public Records) $135,000 Public Records
- 2026-05-06 Pending — GLVRMLS
- 2026-04-29 Listed $129,900 GLVRMLS
- 2017-05-24 Sold (Public Records) $60,000 Public Records
- 2017-05-19 Sold (MLS) $60,000 GLVRMLS
- 2017-04-03 Pending — GLVRMLS
- 2016-12-14 Listed $63,000 GLVRMLS
Property tax history
+1.6%/yrLatest (2026): $1,423 · +4.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…