115 Willow Dr · Hemlock Farms, PA 18428

$339,000

4 bd · 2.0 ba · 2,853 sqft · SingleFamily public records · 310 Days on market

Built 1993 0.58 ac lot $119/sqft · 20% below area Est $539k · 37% under $243/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 +13.4/30.0
• Appreciation +10.0/10.0
• 1% rule +4.6/10.0
• Schools +4.2/10.0
• DSCR +4.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

Key facts

• Screened in porch
• Natural light
• Walk-in closets

Tags

• FINISHED BASEMENT
• SCREENED IN PORCH
• WALL TO CEILING FIREPLACE
• NATURAL LIGHT
• CIRCULAR DRIVEWAY
• WALK-IN CLOSETS

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $339k.

Deal economics

• At list price, monthly cash flow is $5 ($63/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $324k (4.5% below list).
• Recommended offer: $298k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#884 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: schools C-, amenities F, commute F.
• Wallenpaupack Area SD (rural): math 39% / reading 59% proficiency, ranked #192 of 539 in PA (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 371 active listings in the ZIP; 2 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 $36k of equity ($2k loan paydown + $34k 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 $95k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 310 days — a 12% lower offer ($298k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 11y ago; this cycle's ask has dropped $86k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $298,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 310 days. Have you received any prior offers? Is the seller open to a 12% 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: 0.96% ✗
• Cap rate: 6.31%
• Cash-on-cash: 0.07%
• DSCR: 1.00
• GRM: 8.7

CMA / ARV

• ARV (median comp): $539,064
• List price: $339,000
• Delta: -37.11%
• 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
816 Woodland Ct	0.58mi	4/2.0	2,883 (+1%)	5mo	$334,000	$116	67
101 Blueridge Ln	0.59mi	4/3.0	2,948 (+3%)	2mo	$420,000	$142	61
903 Dogwood Ct W	0.37mi	4/3.0	2,800 (-2%)	22mo	$485,000	$173	58
813 N Hillview Pl	0.60mi	4/2.0	2,860 (+0%)	23mo	$410,000	$143	53
102 Lookout Dr	0.25mi	5/3.0 (+1)	2,470 (-13%)	7mo	$340,000	$138	51
125 Basswood Lane East Ln	0.22mi	3/3.0 (-1)	3,080 (+8%)	20mo	$800,000	$260	51
118 Granite Dr	0.52mi	3/3.0 (-1)	2,930 (+3%)	16mo	$495,000	$169	49
112 Lookout Dr	0.17mi	3/3.0 (-1)	3,230 (+13%)	15mo	$350,000	$108	48
130 Willow Dr	0.41mi	3/3.0 (-1)	3,156 (+11%)	9mo	$350,000	$111	47
101 Cottonwood Dr	0.40mi	3/3.5 (-1)	2,600 (-9%)	14mo	$330,000	$127	44
100 Blue Shelf Ln	0.74mi	3/2.5 (-1)	3,200 (+12%)	8mo	$370,000	$116	32
231 Forest Dr	0.73mi	3/2.5 (-1)	2,474 (-13%)	15mo	$520,000	$210	25

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: 24.3%
• Equity multiple: 2.95×
• Total profit: $185,143
• Equity at exit: $305,398

10-year hold

• IRR: 21.6%
• Equity multiple: 6.74×
• Total profit: $545,307
• Equity at exit: $658,602

Cash invested: $94,920 (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: 371
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $3,239 medium
• Mortgage (P&I): −$1,778
• Tax from tax record: −$391 /mo · $4,696/yr
• Insurance: −$141
• HOA: −$243
• Vacancy / Maint / Mgmt: −$680
• Net cashflow: $5

Break-even live

Break-even rent $3,232

Max offer price $339,000

Occupancy floor 95%

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: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
131 Surrey Dr Hawley, PA	4.0	2.0	1952	$2,650	$1.36	43d	1	0.91mi
106 Corral Ln Hawley, PA	3.0	2.0	2150	$4,000	$1.86	3d	1	1.29mi

HOA detail

• Monthly dues: $243 · $2,916/yr
• Likely covers: waterpoolgymsecurity

Listing history 29 events

1. 2026-06-18
   days on market $339,000 Active 310 DOM
2. 2026-06-17
   days on market $339,000 Active 309 DOM
3. 2026-06-16
   days on market $339,000 Active 308 DOM
4. 2026-06-15
   statusdays on market $339,000 Active 307 DOM
5. 2026-06-07
   statusdays on market $339,000 Pending 306 DOM
6. 2026-06-04
   days on market $339,000 Active 304 DOM
7. 2026-06-03
   days on market $339,000 Active 303 DOM
8. 2026-06-02
   days on market $339,000 Active 302 DOM
9. 2026-06-01
   days on market $339,000 Active 301 DOM
10. 2026-05-31
    days on market $339,000 Active 300 DOM
11. 2026-04-29
    status Active 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

12. 2026-04-13
    status Pending 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

13. 2026-04-09
    price $339,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

14. 2026-04-02
    status Active 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

15. 2026-03-21
    price $355,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

16. 2026-03-01
    price $365,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

17. 2026-02-07
    price $375,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

18. 2025-09-20
    price $389,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

19. 2025-08-02
    price $405,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

20. 2025-07-27
    price $415,000 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

21. 2025-07-19
    listed $425,000 Active 1041-char remark

    Show marketing remark (1041 chars)

    One of the largest homes in Hemlock Farms -- 3,625 sq ft across three levels with a fully finished basement, 4 bedrooms, 3 baths, and a 2-car garage. High ceilings and a wall-to-ceiling fireplace anchor the main living area. Screened-in porch. Walk-in closets. Circular driveway with plenty of parking. The mechanicals have been done right: high-efficiency furnace (2021) with Nest smart thermostat, commercial-grade water heater, and high-efficiency pellet stove (2022) with independent zone control. Heat exactly what you need -- and lower your carrying costs while doing it. The home presents a cosmetic updating opportunity -- flooring and walls -- priced to reflect that. For a buyer who wants serious square footage, upgraded systems, and room to put their own stamp on finishes, this is the value play in Hemlock Farms. Nestled in the gated community with two outdoor pools, indoor pool, fitness center, walking trails, pickleball, tennis, lake access, and more. Two hours from New York City. OPEN HOUSE APRIL 11th, 11:30-1:30!!!!!!!!

22. 2021-11-22
    soldstatus $315,000
23. 2021-11-19
    soldstatus $315,000 717-char remark

    Show marketing remark (717 chars)

    This impressive CONTEMPORARY SPLIT LEVEL HOME is big enough for the growing family and located in the AMENITY filled Hemlock Farms Community!!!! Well maintained Light & Bright home boasts cathedral ceilings, spacious livingroom with brick stone fireplace. 4BR 3BA with a bonus room that can be used as an office or guest room. Full finished basement. Central air. Forced air and propane heating. Great Location!! You can walk to the bus stop and club house! Hemlock Farms has 1 indoor pool, 2 outdoor pools, jacuzzi, steamroom, full gym, tennis, many lakes to fish and swim and many activities. 24/7 Public Safety with Paramedics and their own Fire Department. ONLY 2 HOURS TO NYC!! Make your appointment today!

24. 2021-11-19
    soldstatus $315,000

    Show marketing remark (717 chars)

    This impressive CONTEMPORARY SPLIT LEVEL HOME is big enough for the growing family and located in the AMENITY filled Hemlock Farms Community!!!! Well maintained Light & Bright home boasts cathedral ceilings, spacious livingroom with brick stone fireplace. 4BR 3BA with a bonus room that can be used as an office or guest room. Full finished basement. Central air. Forced air and propane heating. Great Location!! You can walk to the bus stop and club house! Hemlock Farms has 1 indoor pool, 2 outdoor pools, jacuzzi, steamroom, full gym, tennis, many lakes to fish and swim and many activities. 24/7 Public Safety with Paramedics and their own Fire Department. ONLY 2 HOURS TO NYC!! Make your appointment today!

25. 2021-04-29
    listed $315,000 717-char remark

    Show marketing remark (717 chars)

    This impressive CONTEMPORARY SPLIT LEVEL HOME is big enough for the growing family and located in the AMENITY filled Hemlock Farms Community!!!! Well maintained Light & Bright home boasts cathedral ceilings, spacious livingroom with brick stone fireplace. 4BR 3BA with a bonus room that can be used as an office or guest room. Full finished basement. Central air. Forced air and propane heating. Great Location!! You can walk to the bus stop and club house! Hemlock Farms has 1 indoor pool, 2 outdoor pools, jacuzzi, steamroom, full gym, tennis, many lakes to fish and swim and many activities. 24/7 Public Safety with Paramedics and their own Fire Department. ONLY 2 HOURS TO NYC!! Make your appointment today!

26. 2021-04-29
    listed $315,000

    Show marketing remark (717 chars)

    This impressive CONTEMPORARY SPLIT LEVEL HOME is big enough for the growing family and located in the AMENITY filled Hemlock Farms Community!!!! Well maintained Light & Bright home boasts cathedral ceilings, spacious livingroom with brick stone fireplace. 4BR 3BA with a bonus room that can be used as an office or guest room. Full finished basement. Central air. Forced air and propane heating. Great Location!! You can walk to the bus stop and club house! Hemlock Farms has 1 indoor pool, 2 outdoor pools, jacuzzi, steamroom, full gym, tennis, many lakes to fish and swim and many activities. 24/7 Public Safety with Paramedics and their own Fire Department. ONLY 2 HOURS TO NYC!! Make your appointment today!

27. 2016-07-29
    soldstatus $119,000
28. 2015-12-29
    listed $124,000
29. 2005-06-17
    soldstatus $325,000

ⓘ 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: $4,696 · $391/mo
• Projected year-2 tax: $5,026 · $419/mo
• Expected delta: +$330/yr (+$27/mo · 7.0%)

ⓘ 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 4/10 Moderate
• 🌡 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: $38,866
• − Mortgage interest: −$18,989
• − Property taxes: −$4,696
• − Insurance: −$1,695
• − Repairs & maintenance: −$3,109
• − Management: −$3,109
• − HOA: −$2,916
• − Depreciation: −$9,862
• Taxable loss: −$5,511
• Est. tax savings @ 24.0%: +$1,323
• After-tax cash flow: $1,386/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: Wallenpaupack Area SD
• NCES district ID: 4224750
• Math proficiency: 39% ▼ -10.00%
• Reading proficiency: 59% ▼ -5.00%
• Median HH income: $51,027
• Composite: 41.97/100
• National rank: #3345
• State rank: #192 of 539 in PA

Livability — Hemlock Farms

• Score: 68/100
• State rank: #884
• US rank: #9421

Category grades

Amenities F Commute F Cost of living B+ Crime A+ Employment C+ Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

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

+4.3% since first listed

19 events — show timeline

• 2026-04-29 Relisted — PWMLS
• 2026-04-13 Pending — PWMLS
• 2026-04-09 Price Changed $339,000 PWMLS
• 2026-04-02 Relisted — PWMLS
• 2026-03-21 Price Changed $355,000 PWMLS
• 2026-03-01 Price Changed $365,000 PWMLS
• 2026-02-07 Price Changed $375,000 PWMLS
• 2025-09-20 Price Changed $389,000 PWMLS
• 2025-08-02 Price Changed $405,000 PWMLS
• 2025-07-27 Price Changed $415,000 PWMLS
• 2025-07-19 Listed $425,000 PWMLS
• 2021-11-22 Sold (Public Records) $315,000 Public Records
• 2021-11-19 Sold (MLS) $315,000 PWMLS
• 2021-11-19 Sold (MLS) $315,000 PWMLS
• 2021-04-29 Listed $315,000 PWMLS
• 2021-04-29 Listed $315,000 PWMLS
• 2016-07-29 Sold (MLS) $119,000 PWMLS
• 2015-12-29 Listed $124,000 PWMLS
• 2005-06-17 Sold (Public Records) $325,000 Public Records

Property tax history

+2.8%/yr

Latest (2026): $4,696 · +3.0% YoY. Source: county tax records.