144 Eisenhower Dr · Porter, PA 18428

$375,000

3 bd · 2.0 ba · 1,208 sqft · SingleFamily public records · 69 Days on market

Built 2002 0.59 ac lot $310/sqft · 118% above area Est $254k · 48% over $258/mo HOA · 6% 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 +19.1/30.0
• Appreciation +10.0/10.0
• DSCR +6.0/10.0
• 1% rule +5.7/10.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Hemlock Farms Contemporary Home ready for your next residence or weekend getaway!Located on a generous corner lot. Close to Back Gate and Country ClubThis home was renovated by the owners 2 years ago and it brings a whole new vibe and energy. First floor Master Bedroom with walk in closet!Half Bath on first floor for guests. Open Kitchen Concept with All Seasons Room!Garage was converted to extra living space making the home larger. Ductless Units throughout the property. Stand Up Crawl Space for More Storage. Hemlock Farms is a gated year round amenity community. Conveniently located off 84 and 402.Priced to Sell!See it Today!

Key facts

• All seasons room
• Renovated
• Ductless units

Tags

• CORNER LOT
• RENOVATED
• OPEN KITCHEN CONCEPT
• ALL SEASONS ROOM
• CONVERTED GARAGE
• DUCTLESS UNITS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $375k.

Deal economics

• At list price, monthly cash flow is $401 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $375k).
• Recommended offer: $352k (6.0% 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.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bushkill El Sch (math 27% / reading 42%, grade F, #1,049 of 1,518 statewide, top 71%, 366 students, 70% FRL); Lehman Intermediate Sch (math 11% / reading 44%, grade F, #399 of 512 statewide, top 79%, 603 students, 59% FRL); East Stroudsburg Shs North (math 29% / reading 24%, grade F, #371 of 437 statewide, top 85%, 940 students, 54% FRL) — zoned schools average 61% FRL vs 42% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 375 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $40k of equity ($3k loan paydown + $38k appreciation (10.0% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $105k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$64k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($352k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 5y ago; this cycle's ask is 32% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $210k; list at $375k implies a 79% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $352,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.07% ✓
• Cap rate: 7.58%
• Cash-on-cash: 4.58%
• DSCR: 1.20
• GRM: 7.8

CMA / ARV

• ARV (median comp): $254,043
• List price: $375,000
• Delta: 47.61%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
249 Washington Dr	0.05mi	2/1.5 (-1)	1,150 (-5%)	11mo	$259,900	$226	73
132 Washington Dr	0.51mi	3/1.0	1,224 (+1%)	13mo	$268,000	$219	60
134 Washington Dr	0.49mi	3/1.5	1,104 (-9%)	12mo	$180,000	$163	51
122 Horseshoe Ln	0.64mi	3/2.0	1,315 (+9%)	7mo	$269,000	$205	49
140 Gaskin Dr	0.61mi	3/2.0	1,100 (-9%)	9mo	$287,500	$261	49
120 Burning Tree Dr	0.65mi	3/2.0	1,360 (+13%)	11mo	$250,000	$184	40

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: 27.6%
• Equity multiple: 3.19×
• Total profit: $229,936
• Equity at exit: $337,830

10-year hold

• IRR: 24.1%
• Equity multiple: 7.26×
• Total profit: $657,365
• Equity at exit: $728,543

Cash invested: $105,000 (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 18428

• Home prices YoY: 9.2%
• Active inventory: 375
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $4,000 medium
• Mortgage (P&I): −$1,967
• Tax from tax record: −$378 /mo · $4,539/yr
• Insurance: −$156
• HOA: −$258
• Vacancy / Maint / Mgmt: −$840
• Net cashflow: $401

Break-even live

Break-even rent $3,492

Max offer price $375,000

Occupancy floor 85%

Sensitivity live

Price	-10% $613	-5% $507	+0% $401	+5% $295	+10% $189
Rent	-10% $85	-5% $243	+0% $401	+5% $559	+10% $717
Rate	-1.0pp $590	-0.5pp $496	base $401	+0.5pp $304	+1.0pp $205

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: $93,750
• Closing costs: $11,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
113 Portage Ln Milford, PA	3.0	2.0	1400	$4,000	$2.86	0d	1	1.00mi

HOA detail

• Monthly dues: $258 · $3,096/yr
• Likely covers: security

Listing history 29 events

1. 2026-06-21
   days on market $375,000 Active 69 DOM
2. 2026-06-19
   days on market $375,000 Active 67 DOM
3. 2026-06-18
   days on market $375,000 Active 66 DOM
4. 2026-06-17
   days on market $375,000 Active 65 DOM
5. 2026-06-16
   days on market $375,000 Active 64 DOM
6. 2026-06-15
   days on market $375,000 Active 63 DOM
7. 2026-06-14
   days on market $375,000 Active 61 DOM
8. 2026-06-13
   pricedays on market $375,000 Active 60 DOM
9. 2026-06-10
   days on market $385,000 Active 58 DOM
10. 2026-06-09
    days on market $385,000 Active 57 DOM
11. 2026-06-08
    days on market $385,000 Active 56 DOM
12. 2026-06-07
    days on market $385,000 Active 55 DOM
13. 2026-06-05
    days on market $385,000 Active 52 DOM
14. 2026-06-02
    days on market $385,000 Active 50 DOM
15. 2026-06-01
    days on market $385,000 Active 49 DOM
16. 2026-05-31
    days on market $385,000 Active 48 DOM
17. 2026-05-30
    days on market $385,000 Active 47 DOM
18. 2026-04-13
    price $385,000 635-char remark

    Show marketing remark (635 chars)

    Hemlock Farms Contemporary Home ready for your next residence or weekend getaway!Located on a generous corner lot. Close to Back Gate and Country ClubThis home was renovated by the owners 2 years ago and it brings a whole new vibe and energy. First floor Master Bedroom with walk in closet!Half Bath on first floor for guests. Open Kitchen Concept with All Seasons Room!Garage was converted to extra living space making the home larger. Ductless Units throughout the property. Stand Up Crawl Space for More Storage. Hemlock Farms is a gated year round amenity community. Conveniently located off 84 and 402.Priced to Sell!See it Today!

19. 2026-04-13
    listed $285,000 Active 635-char remark

    Show marketing remark (635 chars)

    Hemlock Farms Contemporary Home ready for your next residence or weekend getaway!Located on a generous corner lot. Close to Back Gate and Country ClubThis home was renovated by the owners 2 years ago and it brings a whole new vibe and energy. First floor Master Bedroom with walk in closet!Half Bath on first floor for guests. Open Kitchen Concept with All Seasons Room!Garage was converted to extra living space making the home larger. Ductless Units throughout the property. Stand Up Crawl Space for More Storage. Hemlock Farms is a gated year round amenity community. Conveniently located off 84 and 402.Priced to Sell!See it Today!

20. 2025-08-11
    price $395,000
21. 2025-06-16
    listed $415,000 Active
22. 2024-07-09
    price $419,999
23. 2024-07-08
    status Active
24. 2024-01-08
    listed $449,000 Active
25. 2021-08-16
    soldstatus $210,000
26. 2021-08-16
    soldstatus
27. 2021-06-25
    listed $225,000
28. 2021-06-25
    listed $225,000
29. 2004-07-29
    soldstatus $239,000

ⓘ 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: $4,539 · $378/mo
• Projected year-2 tax: $5,232 · $436/mo
• Expected delta: +$693/yr (+$58/mo · 15.3%)

ⓘ 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 5/10 Major
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% 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: $48,000
• − Mortgage interest: −$21,006
• − Property taxes: −$4,539
• − Insurance: −$1,875
• − Repairs & maintenance: −$3,840
• − Management: −$3,840
• − HOA: −$3,096
• − Depreciation: −$10,909
• Taxable loss: −$1,105
• Est. tax savings @ 24.0%: +$265
• After-tax cash flow: $5,077/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: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — Porter

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

Census & demographics

• Census place: Hemlock Farms, PA
• Population (ZIP): 12,446

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 8% Two or more races 6% Black 1% Asian 1%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 5% Portuguese 3% Italian 2%
• Foreign-born: 5% · Canada
• Languages at home: 91% English-only · Spanish 5% Russian/Polish/Slavic 1% Other Asian/Pacific 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 28.60%
• Current HPI: 340.8254
• 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

+61.1% since first listed

12 events — show timeline

• 2026-04-13 Price Changed $385,000 PWMLS
• 2026-04-13 Listed $285,000 PWMLS
• 2025-08-11 Price Changed $395,000 PWMLS
• 2025-06-16 Listed $415,000 PWMLS
• 2024-07-09 Price Changed $419,999 PWMLS
• 2024-07-08 Relisted — PWMLS
• 2024-01-08 Listed $449,000 PWMLS
• 2021-08-16 Sold (MLS) — PWMLS
• 2021-08-16 Sold (MLS) $210,000 PWMLS
• 2021-06-25 Listed $225,000 PWMLS
• 2021-06-25 Listed $225,000 PWMLS
• 2004-07-29 Sold (Public Records) $239,000 Public Records

Property tax history

+1.1%/yr

Latest (2026): $4,539 · +2.3% YoY. Source: county tax records.