3343 Ross Rd · Mount Pocono, PA 18466

$234,000

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 10 Days on market

Built 1987 1.36 ac lot Est $264k · 11% under

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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 +17.9/30.0
• ARV discount +12.6/15.0
• Appreciation +6.2/10.0
• DSCR +5.6/10.0
• 1% rule +4.3/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this beautifully maintained cozy ranch home, where tasteful updates and true pride of ownership shine throughout. This inviting property features an open-concept living area, a custom built-in kitchen table that adds charm and functionality, new flooring, a new dishwasher and upgraded bathroom with a stylish walk-in shower. Situated on over an acre of land, the outdoor space is just as impressive, offering an expansive deck, above-ground pool, built-in fire pit, and multiple sheds for convenient storage, all set within a private backyard perfect for relaxing or entertaining. Located in a lovely neighborhood with no HOA, this move-in-ready home offers the perfect blend of comfort,

Key facts

• Upgraded bathroom
• New flooring
• Walk-in shower

Tags

• OPEN-CONCEPT LIVING AREA
• CUSTOM BUILT-IN KITCHEN TABLE
• NEW FLOORING
• NEW DISHWASHER
• UPGRADED BATHROOM
• WALK-IN SHOWER

Property features AI

Exterior

• Parking: Garage (1 space); Driveway
• Utilities: Public water; Private sewer
• Home design: Single family house; Residential property; No common walls; Located in Lexington Woods subdivision
• Construction: Structure: House
• Exterior features: Shingle roof; Private pool; Outbuilding/shed; Public maintained road

Interior

• Kitchen: Electric cooktop; Refrigerator; Dishwasher; Microwave
• Bedrooms: 6 total rooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Ductless cooling; Electric heating; Kerosene heating
• Interior features: Eat-in kitchen; Built-in features; Unfurnished
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $234k.

Deal economics

• At list price, monthly cash flow is $199 ($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 $219k (6.6% below list).
• Recommended offer: $219k (6.6% below list) — sets the bar for 1% rule.
• Cap rate 7.3% vs local median 5.1% in Mount Pocono — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools 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: 355 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($2k loan paydown + $6k appreciation (2.4% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.4% appreciation + 3.0% rent growth), your $66k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $70k; list at $234k implies a 234% gain — meaningful room to come down on a strong offer.

Recommended offer $218,603 (6.6% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. 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.
4. 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.
5. 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: 0.93% ✗
• Cap rate: 7.31%
• Cash-on-cash: 3.64%
• DSCR: 1.16
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $264,000
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3418 Drexel Rd	0.13mi	3/1.0	948 (-1%)	8mo	$260,500	$275	85

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

Projected returns pro-forma

2.36% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.1%
• Equity multiple: 1.50×
• Total profit: $32,955
• Equity at exit: $96,845

10-year hold

• IRR: 12.0%
• Equity multiple: 2.67×
• Total profit: $109,636
• Equity at exit: $143,042

Cash invested: $65,520 (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 18466

• Home prices YoY: 1.2%
• Active inventory: 355
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $2,186 medium
• Mortgage (P&I): −$1,227
• Tax from tax record: −$204 /mo · $2,443/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$459
• Net cashflow: $199

Break-even live

Break-even rent $1,934

Max offer price $234,000

Occupancy floor 86%

Sensitivity live

Price	-10% $331	-5% $265	+0% $199	+5% $133	+10% $66
Rent	-10% $26	-5% $112	+0% $199	+5% $285	+10% $371
Rate	-1.0pp $317	-0.5pp $258	base $199	+0.5pp $138	+1.0pp $76

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: $58,500
• Closing costs: $7,020
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-05-18
   listed $234,000 Active
2. 1994-09-01
   soldstatus $70,000

ⓘ 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: $2,443 · $204/mo
• Projected year-2 tax: $3,070 · $256/mo
• Expected delta: +$627/yr (+$52/mo · 25.7%)

ⓘ 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 1/10 Low 7 d/yr ≥89°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: $26,232
• − Mortgage interest: −$13,108
• − Property taxes: −$2,443
• − Insurance: −$1,170
• − Repairs & maintenance: −$2,099
• − Management: −$2,099
• − Depreciation: −$6,807
• Taxable loss: −$1,493
• Est. tax savings @ 24.0%: +$358
• After-tax cash flow: $2,743/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 — Mount Pocono

• Score: 77/100
• State rank: #362
• US rank: #3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 17,997

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 38% Hispanic / Latino 27% Black 24% Two or more races 17% Asian 4%
• Hispanic origin (detail): Puerto Rican 12% Dominican 6%
• Common ancestry: Romanian 2% Portuguese 1% German 1%
• Foreign-born: 16% · Canada
• Languages at home: 77% English-only · Spanish 17% Other Indo-European 2% Russian/Polish/Slavic 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: ▲ 2.36%
• Current HPI: 202.4134
• 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

+234.3% since first listed

2 events — show timeline

• 2026-05-18 Listed $234,000 PMAR
• 1994-09-01 Sold (Public Records) $70,000 Public Records

Property tax history

-0.5%/yr

Latest (2026): $2,443 · +3.2% YoY. Source: county tax records.