158 Apple Aly · Elk Grove, PA 17814

$69,900

2 bd · 1.0 ba · 872 sqft · Other public records · 28 Days on market

Built 1942 4,356 sqft lot

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Why this score? — see what drove the B 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• ARV discount +7.5/15.0
• Appreciation +6.2/10.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Fully furnished 2 bedroom, one bath cabin in Elk Grove. Close to North Mountain and Gamelands #13. Perfect for a hunting camp or weekend getaway. Great Mountain View from front deck! Agents please see private remarks.

Key facts

• Mountain view
• Fully furnished
• 4,356 sq ft lot

Tags

• FULLY FURNISHED
• MOUNTAIN VIEW

Property features AI

Exterior

• Parking: No parking provided
• Utilities: Well water; 100 Amp electric service
• Home design: Residential mobile home; Metal roof
• Construction: Aluminum and vinyl siding with frame construction; Built with unspecified/see remarks construction details; No foundation specified
• Exterior features: Deck; Porch; Shed(s); Has a view

Interior

• Kitchen: Microwave; Refrigerator
• Bedrooms: 2 bedrooms on the main level
• Bathrooms: 1 full bathroom
• Heating & cooling: Heating present
• Interior features: Window coverings; No basement; 6 total rooms

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $70k.

Deal economics

• At list price, monthly cash flow is $332 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($970 rent vs $70k).
• Recommended offer: $69k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Sullivan County SD (rural): math 30% / reading 46% proficiency, ranked #387 of 539 in PA (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 25 active listings in the ZIP; 12 units permitted in Sullivan County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($483 loan paydown + $2k appreciation (2.5% local appreciation)).
• Sullivan County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.5% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($69k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $9k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $68,851 (1.5% below list)

Questions for the listing agent

1. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.39% ✓
• Cap rate: 11.99%
• Cash-on-cash: 20.35%
• DSCR: 1.91
• GRM: 6.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 25.6%
• Equity multiple: 2.41×
• Total profit: $27,629
• Equity at exit: $29,394

10-year hold

• IRR: 26.8%
• Equity multiple: 4.64×
• Total profit: $71,154
• Equity at exit: $43,777

Cash invested: $19,572 (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 17814

• Home prices YoY: 0.9%
• Active inventory: 25
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $970 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$39 /mo · $464/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$204
• Net cashflow: $332

Break-even live

Break-even rent $550

Max offer price $69,900

Occupancy floor 61%

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-19
   days on market $69,900 Active 28 DOM
2. 2026-06-18
   days on market $69,900 Active 27 DOM
3. 2026-06-17
   days on market $69,900 Active 26 DOM
4. 2026-06-16
   days on market $69,900 Active 25 DOM
5. 2026-06-15
   days on market $69,900 Active 24 DOM
6. 2026-06-14
   days on market $69,900 Active 22 DOM
7. 2026-06-12
   days on market $69,900 Active 21 DOM
8. 2026-06-09
   days on market $69,900 Active 18 DOM
9. 2026-06-08
   days on market $69,900 Active 17 DOM
10. 2026-06-07
    days on market $69,900 Active 16 DOM
11. 2026-06-05
    days on market $69,900 Active 13 DOM
12. 2026-06-03
    days on market $69,900 Active 12 DOM
13. 2026-06-03
    price $69,900 Active 11 DOM
14. 2026-06-02
    days on market $79,000 Active 11 DOM
15. 2026-06-01
    days on market $79,000 Active 10 DOM
16. 2026-05-31
    days on market $79,000 Active 9 DOM
17. 2026-05-30
    days on market $79,000 Active 8 DOM
18. 2026-05-22
    listed $79,000 Active
19. 2025-09-23
    soldstatus $60,000
20. 2025-09-16
    soldstatus $60,000 Closed 217-char remark

    Show marketing remark (217 chars)

    Fully furnished 2 bedroom, one bath cabin in Elk Grove. Close to North Mountain and Gamelands #13. Perfect for a hunting camp or weekend getaway. Great Mountain View from front deck! Agents please see private remarks.

21. 2025-08-21
    status Pending 217-char remark

    Show marketing remark (217 chars)

    Fully furnished 2 bedroom, one bath cabin in Elk Grove. Close to North Mountain and Gamelands #13. Perfect for a hunting camp or weekend getaway. Great Mountain View from front deck! Agents please see private remarks.

22. 2025-06-10
    price $67,500 217-char remark

    Show marketing remark (217 chars)

    Fully furnished 2 bedroom, one bath cabin in Elk Grove. Close to North Mountain and Gamelands #13. Perfect for a hunting camp or weekend getaway. Great Mountain View from front deck! Agents please see private remarks.

23. 2025-05-15
    listed $72,500 Active 217-char remark

    Show marketing remark (217 chars)

    Fully furnished 2 bedroom, one bath cabin in Elk Grove. Close to North Mountain and Gamelands #13. Perfect for a hunting camp or weekend getaway. Great Mountain View from front deck! Agents please see private remarks.

ⓘ 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: $464 · $39/mo
• Projected year-2 tax: $784 · $65/mo
• Expected delta: +$320/yr (+$27/mo · 69.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 3/10 Moderate 8 d/yr ≥94°F today · 19 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: $11,639
• − Mortgage interest: −$3,915
• − Property taxes: −$464
• − Insurance: −$350
• − Repairs & maintenance: −$931
• − Management: −$931
• − Depreciation: −$2,033
• Taxable income: $3,014
• Est. tax owed @ 24.0%: −$723
• After-tax cash flow: $3,259/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: Sullivan County SD
• NCES district ID: 4222920
• Math proficiency: 30% ▼ -20.00%
• Reading proficiency: 46% ▼ -19.00%
• Median HH income: $41,302
• Composite: 31.94/100
• National rank: #5847
• State rank: #387 of 539 in PA

Livability — Elk Grove

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

Census & demographics

• Census place: Elk Grove, PA
• Population (ZIP): 4,806

Population outlook (Sullivan County) Hauer SSP2

• Today (2025): 6,062 people
• By 2030: 5,878 · -3.0%
• By 2040: 5,345 · -11.8%
• By 2050: 4,718 · -22.2%
• By 2075: 3,259 · -46.2%
• By 2100: 2,449 · -59.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Pacific Islander 4% Two or more races 2% Hispanic / Latino 2% Black 2%
• Common ancestry: Romanian 8% Iranian 1% Lithuanian 1%
• Foreign-born: 6% · Canada
• Languages at home: 93% English-only · Spanish 2%

Political lean MEDSL · Sullivan

• 2024 margin: Solid R (+46.9) · D 26.2% · R 73.1%
• 2008→2024 swing: -27.4pp toward R · 2008: -19.5pp · 2024: -46.9pp
• All cycles: 2024: R+46.9 2020: R+47.2 2016: R+49.3 2012: R+28.3 2008: R+19.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.48%
• Current HPI: 269.4514
• 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

+9.0% since first listed

6 events — show timeline

• 2026-05-22 Listed $79,000 CSVBR
• 2025-09-23 Sold (Public Records) $60,000 Public Records
• 2025-09-16 Sold (MLS) $60,000 CSVBR
• 2025-08-21 Pending — CSVBR
• 2025-06-10 Price Changed $67,500 CSVBR
• 2025-05-15 Listed $72,500 CSVBR

Property tax history

+2.4%/yr

Latest (2026): $464 · +4.9% YoY. Source: county tax records.