409 Quaker Ct · Pocono Pines, PA 18347

$269,000

3 bd · 1.5 ba · 960 sqft · SingleFamily public records · 20 Days on market

Built 1989 0.33 ac lot $280/sqft · 44% above area Est $373k · 28% under $173/mo HOA · 8% of rent

---

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 +7.9/30.0
• Appreciation +4.3/10.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0

Listing remarks

Today is your day. Spacious, ready to move in or send your favorite tenant. Two story, functions perfectly for a crowd, light, bright and up-dated. Four Bedrooms, three baths and an surprising amount of ''Space to Play''. Large decking for your outside fun. Located in Arrowhead Lake, a four season recreational development. That plan for rental success you have in your head, Arrowhead is actually ready to impliment that plan you have. Go directly ''#Up The Poconos'' ! I'll see you there.

Key facts

• Large decking
• Arrowhead lake
• Two story

Tags

• TWO STORY
• LARGE DECKING
• ARROWHEAD LAKE

Property features AI

Finance

• Other: Property listed for residential and investment use; Lot approximately 0.33 acres (68' x 195' x 74' x 204'); Subdivision: Arrowhead Lakes
• HOA & community: Part of a homeowners association (Arrowhead Lakes); Annual association fee; Association amenities include security, gated entry, clubhouse, playground, fitness center, tennis courts, basketball court, other game courts, and a pool; Association fee covers trash, snow removal, and grounds maintenance

Exterior

• Parking: 1-car garage; Open parking with approximately 45 spaces; Driveway; Gravel parking; Off-street, private parking; Garage faces front
• Utilities: Well water; Propane service; 200+ amp electric service
• Home design: Single-family house; 2 stories; Ground-level entry; Residential property used as residential and investment; No common walls; Central living area accessibility feature
• Construction: Asbestos shingle roof; Slab foundation; Construction materials: Unknown; Built as a house (structure type)
• Exterior features: Deck; Sliding doors; Level, wooded lot; Gravel road frontage on a private maintained road; Private road access

Interior

• Kitchen: Electric cooktop; Electric oven; Electric range; Refrigerator; Dishwasher; Eat-in kitchen
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Baseboard heating; Has heating
• Interior features: Eat-in kitchen; Laminate countertops; Partially furnished; Double-pane, insulated windows; Living room fireplace (1)
• Laundry & utility: Washer and dryer included; Washer hookup; Electric dryer hookup; Laundry located in bathroom

🏷️ Possibly a rental listed for sale. The $269,000 price doesn't fit this home's estimated sale value (~$372,712) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $269k.

Deal economics

• At list price, monthly cash flow is $-289 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $218k (19.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $212k (21.0% below list).
• Recommended offer: $212k (21.0% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 4.0% in Pocono Pines — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 74/100 on livability (#532 in PA, #4,925 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, crime A; Watch: health & safety D, amenities F, commute F.
• 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; 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 20 days — a 2% lower offer ($265k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $172k; list at $269k implies a 56% gain — meaningful room to come down on a strong offer.

Recommended offer $212,396 (21.0% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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.
7. 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.
8. 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: 0.79% ✗
• Cap rate: 5.00%
• Cash-on-cash: -4.61%
• DSCR: 0.79
• GRM: 10.6

CMA / ARV

• ARV (median comp): $372,712
• List price: $269,000
• Delta: -27.83%
• 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
5345 Conoquenissing Dr	0.02mi	3/1.5	864 (-10%)	2mo	$224,500	$260	81
162 Safro Ct	0.37mi	3/1.0	960 (0%)	8mo	$245,000	$255	74
169 Minisink Dr	0.21mi	3/1.0	1,044 (+9%)	3mo	$260,000	$249	71
192 Wyalusing Dr	0.42mi	3/1.0	992 (+3%)	6mo	$237,000	$239	68
146 Outer Dr	0.32mi	3/1.0	912 (-5%)	9mo	$225,000	$247	67
272 Wyalusing Dr	0.24mi	3/1.0	865 (-10%)	5mo	$215,000	$249	66
433 Orono Dr	0.53mi	3/1.0	1,008 (+5%)	9mo	$190,000	$188	58
1119 Shasta Dr	0.65mi	2/1.0 (-1)	941 (-2%)	6mo	$225,000	$239	54
5110 Tenicum Dr	0.60mi	3/1.0	864 (-10%)	1mo	$230,000	$266	53
201 Pontiac Path	0.53mi	3/2.0	1,092 (+14%)	5mo	$255,000	$234	46
323 Orono Dr	0.50mi	2/1.0 (-1)	1,100 (+15%)	5mo	$212,000	$193	41
202 Choctaw Dr	0.70mi	3/1.5	1,100 (+15%)	7mo	$270,000	$245	37

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: -14.3%
• Equity multiple: 0.41×
• Total profit: $-44,263
• Equity at exit: $58,889

10-year hold

• IRR: -7.3%
• Equity multiple: 0.39×
• Total profit: $-45,689
• Equity at exit: $56,824

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 18347

• Home prices YoY: -0.7%
• Active inventory: 247
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,124 medium
• Mortgage (P&I): −$1,411
• Tax from tax record: −$271 /mo · $3,258/yr
• Insurance: −$112
• HOA: −$173
• Vacancy / Maint / Mgmt: −$446
• Net cashflow: $-289

Break-even live

Break-even rent $2,490

Max offer price $217,895

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

HOA detail

• Monthly dues: $173 · $2,076/yr

Listing history 8 events

1. 2026-06-03
   status $269,000 Pending 20 DOM
2. 2026-06-02
   days on market $269,000 Active 20 DOM
3. 2026-06-01
   days on market $269,000 Active 19 DOM
4. 2026-05-31
   days on market $269,000 Active 18 DOM
5. 2026-05-30
   days on market $269,000 Active 17 DOM
6. 2026-05-13
   listed $269,000 Active 492-char remark
7. 2007-03-30
   soldstatus $172,000
8. 2002-12-03
   soldstatus $115,000

ⓘ 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: $3,258 · $271/mo
• Projected year-2 tax: $3,754 · $313/mo
• Expected delta: +$496/yr (+$41/mo · 15.2%)

ⓘ 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 2/10 Low
• 🌡 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: $25,488
• − Mortgage interest: −$15,068
• − Property taxes: −$3,258
• − Insurance: −$1,345
• − Repairs & maintenance: −$2,039
• − Management: −$2,039
• − HOA: −$2,076
• − Depreciation: −$7,825
• Taxable loss: −$8,163
• Est. tax savings @ 24.0%: +$1,959
• After-tax cash flow: $-1,512/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 — Pocono Pines

• Score: 74/100
• State rank: #532
• US rank: #4925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 595
• 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

+133.9% since first listed

4 events — show timeline

• 2026-06-02 Pending — PMAR
• 2026-05-13 Listed $269,000 PMAR
• 2007-03-30 Sold (Public Records) $172,000 Public Records
• 2002-12-03 Sold (Public Records) $115,000 Public Records

Property tax history

-0.2%/yr

Latest (2026): $3,258 · +3.2% YoY. Source: county tax records.