1514 Clover Rd · Tobyhanna, PA 18334

$269,000

5 bd · 1.0 ba · 960 sqft · SingleFamily public records · 51 Days on market

Built 1979 0.55 ac lot $280/sqft · 38% above area Est $326k · 18% under $107/mo HOA · 4% 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 +16.8/30.0
• ARV discount +15.0/15.0
• DSCR +5.2/10.0
• 1% rule +4.8/10.0
• Appreciation +4.5/10.0
• Schools +4.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Emerald Lakes 5 bedroom , 2 bath raised ranch nestled in the heart of the Pocono region. Amenity filled community has so much to offer from lakes, sand beaches, boat launches, fishing, indoor and outdoor pools, clubhouse. This property holds plenty of opportunity from primary living to investment use. Just a little love for the price can make this a dream come true. Great Great structure on a corner lot. It's totally worth to see.

Key facts

• Clubhouse
• Air b and b friendly
• Indoor pool

Tags

• AIR B AND B FRIENDLY
• OUTDOOR SWIMMING POOL
• INDOOR POOL
• CLUBHOUSE
• RECREATIONAL ACTIVITIES
• SHORT TERM RENTALS PERMITTED

Property features AI

Finance

• Other: Directions: From route 611 onto Sullivan Trail, make a left onto Clover Rd; house on the left.
• Financial info: Annual tax amount reported
• HOA & community: Homeowners association with annual fee of $1,280 (about $106.67/month); HOA includes snow removal, security, and grounds maintenance; Association amenities include security and parking

Exterior

• Parking: Total 6 parking spaces; Attached garage with 2 spaces; Carport with 5 spaces; Open parking available (4 spaces)
• Security: HOA-provided security
• Home design: Single family residence; Residential property
• Exterior features: Lot approximately 0.55 acres; Lot dimensions 144 x 190 x 112 x 176; Subdivision: Emerald Lakes

Interior

• Bedrooms: Total rooms: 9
• Bathrooms: 2 full bathrooms
• Interior features: Unfurnished; Fireplace (1)

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $269k.

Deal economics

• At list price, monthly cash flow is $174 ($2k/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 $263k (2.4% below list).
• Recommended offer: $261k (3.0% 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.
• 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: 108 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.9%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k 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 51 days — a 3% lower offer ($261k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y ago; this cycle's ask has dropped $21k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $170k; list at $269k implies a 58% gain — meaningful room to come down on a strong offer.

Recommended offer $260,930 (3.0% below list)

Questions for the listing agent

1. It's been on market 51 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.98% ✗
• Cap rate: 7.07%
• Cash-on-cash: 2.76%
• DSCR: 1.12
• GRM: 8.5

CMA / ARV

• ARV (median comp): $326,202
• List price: $269,000
• Delta: -17.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-0.95% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -2.6%
• Equity multiple: 0.89×
• Total profit: $-8,502
• Equity at exit: $65,607

10-year hold

• IRR: 4.1%
• Equity multiple: 1.39×
• Total profit: $29,661
• Equity at exit: $69,468

Cash invested: $75,320 (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 18334

• Home prices YoY: -0.5%
• Active inventory: 108
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $2,627 medium
• Mortgage (P&I): −$1,411
• Tax from tax record: −$272 /mo · $3,262/yr
• Insurance: −$112
• HOA: −$107
• Vacancy / Maint / Mgmt: −$552
• Net cashflow: $174

Break-even live

Break-even rent $2,407

Max offer price $269,000

Occupancy floor 88%

Sensitivity live

Price	-10% $326	-5% $250	+0% $174	+5% $97	+10% $21
Rent	-10% $-34	-5% $70	+0% $174	+5% $277	+10% $381
Rate	-1.0pp $309	-0.5pp $242	base $174	+0.5pp $104	+1.0pp $33

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: $67,250
• Closing costs: $8,070
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $107 · $1,284/yr
• Likely covers: pool

Listing history 24 events

1. 2026-06-21
   days on market $269,000 Active 51 DOM
2. 2026-06-19
   days on market $269,000 Active 49 DOM
3. 2026-06-18
   days on market $269,000 Active 48 DOM
4. 2026-06-17
   days on market $269,000 Active 47 DOM
5. 2026-06-16
   days on market $269,000 Active 46 DOM
6. 2026-06-15
   days on market $269,000 Active 45 DOM
7. 2026-06-14
   days on market $269,000 Active 43 DOM
8. 2026-06-13
   days on market $269,000 Active 42 DOM
9. 2026-06-10
   days on market $269,000 Active 40 DOM
10. 2026-06-09
    days on market $269,000 Active 39 DOM
11. 2026-06-08
    days on market $269,000 Active 38 DOM
12. 2026-06-07
    days on market $269,000 Active 37 DOM
13. 2026-06-02
    pricedays on market $269,000 Active 32 DOM
14. 2026-06-01
    days on market $279,000 Active 31 DOM
15. 2026-05-31
    days on market $279,000 Active 30 DOM
16. 2026-05-30
    days on market $279,000 Active 29 DOM
17. 2026-05-01
    listed $289,900 Active 584-char remark
18. 2022-02-01
    soldstatus $170,000
19. 2022-01-11
    soldstatus $170,000 436-char remark

    Show marketing remark (436 chars)

    Emerald Lakes 5 bedroom , 2 bath raised ranch nestled in the heart of the Pocono region. Amenity filled community has so much to offer from lakes, sand beaches, boat launches, fishing, indoor and outdoor pools, clubhouse. This property holds plenty of opportunity from primary living to investment use. Just a little love for the price can make this a dream come true. Great Great structure on a corner lot. It's totally worth to see.

20. 2021-11-08
    listed $180,000 436-char remark

    Show marketing remark (436 chars)

    Emerald Lakes 5 bedroom , 2 bath raised ranch nestled in the heart of the Pocono region. Amenity filled community has so much to offer from lakes, sand beaches, boat launches, fishing, indoor and outdoor pools, clubhouse. This property holds plenty of opportunity from primary living to investment use. Just a little love for the price can make this a dream come true. Great Great structure on a corner lot. It's totally worth to see.

21. 2006-06-16
    soldstatus $91,000
22. 2005-11-11
    soldstatus $140,000

    Show marketing remark (274 chars)

    Great location for commuters, vacation, or anyone who just needs to get away w/ a quiet private lot. Home features 3 bedrooms, 2 baths, full dry basement, fresh paint, screen porch, deck and fireplace. Come and enjoy the Poconos today. Bring all offers. See private remarks.

23. 2005-09-19
    listed $149,900

    Show marketing remark (274 chars)

    Great location for commuters, vacation, or anyone who just needs to get away w/ a quiet private lot. Home features 3 bedrooms, 2 baths, full dry basement, fresh paint, screen porch, deck and fireplace. Come and enjoy the Poconos today. Bring all offers. See private remarks.

24. 1986-06-23
    soldstatus $65,000

ⓘ 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: $3,262 · $272/mo
• Projected year-2 tax: $3,756 · $313/mo
• Expected delta: +$494/yr (+$41/mo · 15.1%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $31,521
• − Mortgage interest: −$15,068
• − Property taxes: −$3,262
• − Insurance: −$1,345
• − Repairs & maintenance: −$2,522
• − Management: −$2,522
• − HOA: −$1,284
• − Depreciation: −$7,825
• Taxable loss: −$2,307
• Est. tax savings @ 24.0%: +$554
• After-tax cash flow: $2,636/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 — Tobyhanna

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

Census & demographics

• Census place: Emerald Lakes, PA
• Population (ZIP): 4,907

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: Majority White (64%)
• Race & ethnicity: White 64% Hispanic / Latino 20% Two or more races 12% Black 9%
• Hispanic origin (detail): Puerto Rican 17%
• Common ancestry: Romanian 6% Lithuanian 4% Iranian 4%
• Foreign-born: 8% · Canada
• Languages at home: 87% English-only · Spanish 10% Russian/Polish/Slavic 3%

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: ▼ -0.95%
• Current HPI: 178.5307
• 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

+313.8% since first listed

10 events — show timeline

• 2026-06-02 Price Changed $269,000 PMAR
• 2026-05-21 Price Changed $279,000 PMAR
• 2026-05-01 Listed $289,900 PMAR
• 2022-02-01 Sold (Public Records) $170,000 Public Records
• 2022-01-11 Sold (MLS) $170,000 PMAR
• 2021-11-08 Listed $180,000 PMAR
• 2006-06-16 Sold (Public Records) $91,000 Public Records
• 2005-11-11 Sold (MLS) $140,000 PMAR
• 2005-09-19 Listed $149,900 PMAR
• 1986-06-23 Sold (Public Records) $65,000 Public Records

Property tax history

-1.0%/yr

Latest (2026): $3,262 · +3.3% YoY. Source: county tax records.