437 Orono Dr · Coolbaugh, PA 18347

$250,000

2 bd · 1.0 ba · 1,188 sqft · SingleFamily public records · 91 Days on market

Built 1974 0.49 ac lot $210/sqft · at area comps Est $310k · 19% under $169/mo HOA · 8% of rent

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Why this score? — see what drove the D 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 +8.1/30.0
• Appreciation +4.3/10.0
• Schools +4.0/10.0
• 1% rule +3.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0

Listing remarks MLS

Turn-Key Chalet in Arrowhead Lake | Fully Furnished | STR-Friendly Welcome to your perfect Pocono retreat! Tucked away on a private . 49-acre double lot in the highly sought-after Arrowhead Lake community, this beautifully maintained 3-bedroom, 1-bath chalet blends classic mountain charm with thoughtful modern updates. Offered fully furnished and move-in ready, this home is ideal as a personal getaway or a high-performing short-term rental. Location highlights: Just 2 blocks to the lake and only ¼ mile to the beach and playground, enjoy effortless access to everything this amenity-rich community has to offer. Step inside to a warm, inviting interior featuring cathedral ceilings, exposed wood beams, and a cozy fireplace. Sunlight pours through large windows, enhancing the open-concept living space. The updated kitchen showcases butcher block countertops, while the refreshed bath adds modern comfort. Luxury vinyl plank flooring flows throughout most of the home, offering both durability and style. The layout offers flexible living and sleeping spaces, including a bright second-floor loft bedroom, a screened three-season room, and a heated lower-level bonus/game room with laundry and both interior and exterior access - perfect for entertaining or additional guest space. Outdoor living truly shines here. Relax or entertain on the wraparound deck, unwind in the screened porch, or gather around the firepit under the stars. Surrounded by trees with seasonal lake glimpses, the setting offers both privacy and a true escape. A large shed provides added storage for all your outdoor gear. Enjoy access to Arrowhead Lake’s top-tier amenities, including lakes, beaches, pools, a fitness center, basketball & tennis courts, playgrounds, and kayak rentals. Plus, you’re just a short drive to popular Pocono attractions like Kalahari Resort, Camelback Mountain, and whitewater rafting adventures. ✔ STR-Friendly Community ✔ Fully Furnished - Just Bring Your Suitcase ✔ Full-Year Home Warranty Included ✔ Walk to Lake & Amenities ✔ Immaculate & Recently Updated Don’t miss this rare opportunity to own a turn-key chalet in one of the Poconos’ most desirable communities. Schedule your private showing today and start making lasting memories.

Key facts

• Private double lot
• Updated kitchen
• Wraparound deck

Tags

• TURN-KEY CHALET
• PRIVATE DOUBLE LOT
• ACCESS TO ARROWHEAD LAKE
• UPDATED KITCHEN
• HEATED LOWER-LEVEL BONUS ROOM
• WRAPAROUND DECK

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-241 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $207k (17.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (19.0% below list).
• Recommended offer: $202k (19.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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: 247 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.5%/yr); year-one equity from $2k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 13y 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.

Recommended offer $202,426 (19.0% 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 91 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.81% ✗
• Cap rate: 5.13%
• Cash-on-cash: -4.14%
• DSCR: 0.82
• GRM: 10.3

CMA / ARV

• ARV (median comp): $310,337
• List price: $250,000
• Delta: -19.44%
• 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
195 Wyalusing Dr	0.49mi	2/2.0	1,176 (-1%)	1mo	$150,000	$128	70
254 N Arrow Dr	0.18mi	3/3.0 (+1)	1,258 (+6%)	2mo	$730,000	$580	67
201 Pontiac Path	0.13mi	3/2.0 (+1)	1,092 (-8%)	5mo	$255,000	$234	67
323 Orono Dr	0.42mi	2/1.0	1,100 (-7%)	5mo	$212,000	$193	64
209 Croasdale Ct	0.69mi	2/1.0	1,152 (-3%)	6mo	$203,000	$176	58
648 Maxatawny Dr	0.19mi	3/2.0 (+1)	1,348 (+14%)	6mo	$225,000	$167	55
301 Maxatawny Dr	0.72mi	2/1.5	1,140 (-4%)	6mo	$260,000	$228	53
223 Croasdale Ct	0.70mi	3/2.0 (+1)	1,194 (+0%)	6mo	$269,000	$225	52
133 Minisink Dr	0.75mi	3/1.5 (+1)	1,240 (+4%)	2mo	$324,900	$262	49
460 Maxatawny Dr	0.72mi	3/2.0 (+1)	1,152 (-3%)	5mo	$306,000	$266	48
303 Cheyenne Trl	0.59mi	3/1.5 (+1)	1,308 (+10%)	1mo	$230,800	$176	48
169 Minisink Dr	0.75mi	3/1.0 (+1)	1,044 (-12%)	3mo	$260,000	$249	38

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

Projected returns pro-forma

-1.47% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -13.7%
• Equity multiple: 0.44×
• Total profit: $-39,383
• Equity at exit: $54,730

10-year hold

• IRR: -6.6%
• Equity multiple: 0.45×
• Total profit: $-38,654
• Equity at exit: $52,810

Cash invested: $70,000 (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 18347

• Home prices YoY: -0.7%
• Active inventory: 247
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,024 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$256 /mo · $3,077/yr
• Insurance: −$104
• HOA: −$169
• Vacancy / Maint / Mgmt: −$425
• Net cashflow: $-241

Break-even live

Break-even rent $2,330

Max offer price $207,345

Occupancy floor —

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1111 Wissinoming Dr Pocono Lake, PA	3.0	2.5	1164	$2,060	$1.77	14d	1	0.79mi
257 Farmers Ln Pocono Lake, PA	3.0	2.5	1344	$2,200	$1.64	14d	1	1.01mi
104 Iowa Trl Pocono Lake, PA	2.0	1.0	874	$1,675	$1.92	44d	1	1.29mi

HOA detail

• Monthly dues: $169 · $2,028/yr
• Likely covers: waterlandscapingpoolgym

Listing history 35 events

1. 2026-06-18
   days on market $250,000 Active 91 DOM
2. 2026-06-17
   days on market $250,000 Active 90 DOM
3. 2026-06-16
   days on market $250,000 Active 89 DOM
4. 2026-06-15
   days on market $250,000 Active 88 DOM
5. 2026-06-14
   days on market $250,000 Active 86 DOM
6. 2026-06-13
   days on market $250,000 Active 85 DOM
7. 2026-06-10
   days on market $250,000 Active 83 DOM
8. 2026-06-08
   days on market $250,000 Active 81 DOM
9. 2026-06-07
   days on market $250,000 Active 80 DOM
10. 2026-06-02
    days on market $250,000 Active 75 DOM
11. 2026-06-01
    days on market $250,000 Active 74 DOM
12. 2026-05-31
    days on market $250,000 Active 73 DOM
13. 2026-05-30
    days on market $250,000 Active 72 DOM
14. 2026-03-19
    listed $250,000 Active 2299-char remark

    Show marketing remark (2299 chars)

    Turn-Key Chalet in Arrowhead Lake | Fully Furnished | STR-Friendly Welcome to your perfect Pocono retreat! Tucked away on a private . 49-acre double lot in the highly sought-after Arrowhead Lake community, this beautifully maintained 3-bedroom, 1-bath chalet blends classic mountain charm with thoughtful modern updates. Offered fully furnished and move-in ready, this home is ideal as a personal getaway or a high-performing short-term rental. Location highlights: Just 2 blocks to the lake and only ¼ mile to the beach and playground, enjoy effortless access to everything this amenity-rich community has to offer. Step inside to a warm, inviting interior featuring cathedral ceilings, exposed wood beams, and a cozy fireplace. Sunlight pours through large windows, enhancing the open-concept living space. The updated kitchen showcases butcher block countertops, while the refreshed bath adds modern comfort. Luxury vinyl plank flooring flows throughout most of the home, offering both durability and style. The layout offers flexible living and sleeping spaces, including a bright second-floor loft bedroom, a screened three-season room, and a heated lower-level bonus/game room with laundry and both interior and exterior access - perfect for entertaining or additional guest space. Outdoor living truly shines here. Relax or entertain on the wraparound deck, unwind in the screened porch, or gather around the firepit under the stars. Surrounded by trees with seasonal lake glimpses, the setting offers both privacy and a true escape. A large shed provides added storage for all your outdoor gear. Enjoy access to Arrowhead Lake’s top-tier amenities, including lakes, beaches, pools, a fitness center, basketball & tennis courts, playgrounds, and kayak rentals. Plus, you’re just a short drive to popular Pocono attractions like Kalahari Resort, Camelback Mountain, and whitewater rafting adventures. ✔ STR-Friendly Community ✔ Fully Furnished - Just Bring Your Suitcase ✔ Full-Year Home Warranty Included ✔ Walk to Lake & Amenities ✔ Immaculate & Recently Updated Don’t miss this rare opportunity to own a turn-key chalet in one of the Poconos’ most desirable communities. Schedule your private showing today and start making lasting memories.

15. 2026-01-23
    historical $1,800
16. 2025-09-05
    listed $1,800
17. 2025-09-03
    listed $275,000 Active
18. 2025-07-14
    historical
19. 2025-06-04
    price $285,000
20. 2025-05-03
    listed $300,000 Active
21. 2025-05-02
    historical
22. 2022-02-17
    soldstatus $250,000
23. 2022-02-16
    soldstatus $250,000
24. 2022-02-16
    soldstatus $250,000
25. 2021-12-21
    listed $250,000
26. 2021-12-16
    listed $250,000
27. 2021-04-15
    soldstatus $158,000
28. 2021-04-14
    listed $175,000
29. 2021-04-09
    soldstatus $158,000
30. 2021-03-06
    listed $145,500
31. 2020-09-08
    soldstatus $111,000
32. 2020-08-28
    soldstatus $111,000
33. 2019-08-26
    listed $109,900
34. 2014-08-02
    soldstatus $65,000
35. 2013-11-18
    listed $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: $3,077 · $256/mo
• Projected year-2 tax: $3,514 · $293/mo
• Expected delta: +$436/yr (+$36/mo · 14.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥89°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $24,291
• − Mortgage interest: −$14,004
• − Property taxes: −$3,077
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,943
• − Management: −$1,943
• − HOA: −$2,028
• − Depreciation: −$7,273
• Taxable loss: −$7,227
• Est. tax savings @ 24.0%: +$1,735
• After-tax cash flow: $-1,163/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 — Coolbaugh

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

Census & demographics

• Population (ZIP): 3,535

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 10% Black 2% Two or more races 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5%
• Common ancestry: Romanian 16% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 6% Other Indo-European 3% French/Haitian/Cajun 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: ▼ -1.47%
• Current HPI: 202.3693
• 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

+233.3% since first listed

22 events — show timeline

• 2026-03-19 Listed $250,000 BRIGHT MLS
• 2026-01-23 Rental Removed $1,800 BRIGHTMLS
• 2025-09-05 Listed for Rent $1,800 BRIGHTMLS
• 2025-09-03 Listed $275,000 PMAR
• 2025-07-14 Listing Removed — BRIGHT MLS
• 2025-06-04 Price Changed $285,000 BRIGHT MLS
• 2025-05-03 Listed $300,000 BRIGHT MLS
• 2025-05-02 Coming Soon — BRIGHT MLS
• 2022-02-17 Sold (Public Records) $250,000 Public Records
• 2022-02-16 Sold (MLS) $250,000 PMAR
• 2022-02-16 Sold (MLS) $250,000 BRIGHT MLS
• 2021-12-21 Listed $250,000 BRIGHT MLS
• 2021-12-16 Listed $250,000 PMAR
• 2021-04-15 Sold (Public Records) $158,000 Public Records
• 2021-04-14 Listed $175,000 PMAR
• 2021-04-09 Sold (MLS) $158,000 PMAR
• 2021-03-06 Listed $145,500 PMAR
• 2020-09-08 Sold (Public Records) $111,000 Public Records
• 2020-08-28 Sold (MLS) $111,000 PMAR
• 2019-08-26 Listed $109,900 PMAR
• 2014-08-02 Sold (MLS) $65,000 PMAR
• 2013-11-18 Listed $75,000 PMAR

Property tax history

+2.3%/yr

Latest (2026): $3,077 · +3.2% YoY. Source: county tax records.