1778 Otsego Ln · Mount Pocono, PA 18466

$298,000

3 bd · 1.0 ba · 1,620 sqft · SingleFamily public records · 1 Days on market

Built 1991 0.36 ac lot Est $329k · 9% under $146/mo HOA · 6% of rent

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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 +11.7/15.0
• Cash flow +10.3/30.0
• Appreciation +6.2/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• 1% rule +3.3/10.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this 3-bedroom, 2-bath home in the amenity-filled Pocono Farms Country Club. The open-concept kitchen, dining, and living area features vaulted ceilings, skylights, abundant natural light, and a cozy fireplace. A unique highlight is the private spa room with a hot tub, vaulted wood ceiling, skylight, and outdoor access. Three spacious bedrooms, two full baths, and peaceful wooded views make this the perfect Pocono retreat. Enjoy golf, lake access, pool, restaurant, fitness center, tennis, pickleball, and year-round activities. Ideal as a primary residence, vacation getaway, or investment property.

Key facts

• Open-concept kitchen
• Outdoor access
• Private spa room

Tags

• OPEN-CONCEPT KITCHEN
• PRIVATE SPA ROOM
• COZY FIREPLACE
• OUTDOOR ACCESS
• PEACEFUL WOODED VIEWS
• LAKE ACCESS

Property features AI

Finance

• Other: Located in Pocono Farms Country Club subdivision; Directions: From Lake Rd turn onto Chnadus, then left on Otsego
• HOA & community: Homeowners association membership required; Annual association fee: $1,750 (includes trash); Association amenities include security, cabana, clubhouse, meeting/party rooms, picnic area, roof deck, playground, park, recreation room, golf course, spa/hot tub, fitness center, tennis courts, basketball court, and pool

Exterior

• Parking: Open parking available (3.5 spaces)
• Security: Association-provided security
• Utilities: Private water; Septic system
• Home design: Single-family house; Residential property; Used for recreational and residential purposes
• Construction: Shingle roof; House structure
• Exterior features: Deck; Shingle roof; Crawl space basement

Interior

• Kitchen: Electric cooktop; Electric oven; Refrigerator; Dishwasher; Microwave; Stainless steel appliances
• Bedrooms: Total rooms: 9
• Flooring: Carpet; Linoleum; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Wood heating; Heat pump; Ceiling fans
• Interior features: Skylights; Wood window frames with screens; Unfurnished; Fireplace (1)
• Laundry & utility: Washer and dryer included; Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $298k.

Deal economics

• At list price, monthly cash flow is $-166 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $269k (9.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $248k (16.6% below list).
• Recommended offer: $248k (16.6% below list) — sets the bar for 1% rule.

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; 2 comparable units currently listed for rent nearby; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($2k loan paydown + $7k 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.
• By year 4, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $248,461 (16.6% 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 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?
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: 0.83% ✗
• Cap rate: 5.63%
• Cash-on-cash: -2.38%
• DSCR: 0.89
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $328,860
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
533 Cayuga Dr	0.19mi	3/2.5	1,641 (+1%)	1mo	$310,000	$189	82
230 Champlain Dr	0.27mi	3/1.5	1,480 (-9%)	8mo	$230,000	$155	65
2602 Country Club Dr	0.39mi	3/2.0	1,568 (-3%)	20mo	$300,000	$191	56
2509 Country Club Dr	0.24mi	4/1.5 (+1)	1,709 (+6%)	22mo	$439,000	$257	54
585 Laurel Dr	0.50mi	3/2.0	1,700 (+5%)	17mo	$345,000	$203	50
525 Cayuga Dr	0.22mi	3/2.0	1,450 (-10%)	22mo	$360,000	$248	50
119 Long Woods Rd	0.29mi	2/3.0 (-1)	1,400 (-14%)	3mo	$290,000	$207	48
1110 Kilmer Rd Rd	0.63mi	3/2.0	1,680 (+4%)	17mo	$270,000	$161	46
1046 Kilmer Rd	0.41mi	4/2.5 (+1)	1,784 (+10%)	10mo	$237,500	$133	45
2589 Country Club Dr	0.35mi	4/3.0 (+1)	1,776 (+10%)	12mo	$430,000	$242	45

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: 3.3%
• Equity multiple: 1.18×
• Total profit: $15,411
• Equity at exit: $123,333

10-year hold

• IRR: 7.0%
• Equity multiple: 1.99×
• Total profit: $82,597
• Equity at exit: $182,164

Cash invested: $83,440 (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: 10.0×

Monthly cashflow live

• Estimated rent: $2,485 medium
• Mortgage (P&I): −$1,563
• Tax from tax record: −$296 /mo · $3,546/yr
• Insurance: −$124
• HOA: −$146
• Vacancy / Maint / Mgmt: −$522
• Net cashflow: $-166

Break-even live

Break-even rent $2,694

Max offer price $268,749

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: $74,500
• Closing costs: $8,940
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
163 Long Woods Rd Tobyhanna, PA	3.0	2.0	1983	$2,400	$1.21	43d	1	0.14mi
2570 Country Club Dr Tobyhanna, PA	3.0	2.5	1990	$2,650	$1.33	43d	1	0.27mi

HOA detail

• Monthly dues: $146 · $1,752/yr
• Likely covers: poolgym

Listing history 2 events

1. 2026-06-18
   remarks 615-char remark
2. 2026-06-18
   listed $298,000 Active 1 DOM

ⓘ 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: $3,546 · $296/mo
• Projected year-2 tax: $4,127 · $344/mo
• Expected delta: +$581/yr (+$48/mo · 16.4%)

ⓘ 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 ≥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: $29,815
• − Mortgage interest: −$16,693
• − Property taxes: −$3,546
• − Insurance: −$1,490
• − Repairs & maintenance: −$2,385
• − Management: −$2,385
• − HOA: −$1,752
• − Depreciation: −$8,669
• Taxable loss: −$7,105
• Est. tax savings @ 24.0%: +$1,705
• After-tax cash flow: $-282/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

1 event — show timeline

• 2026-06-17 Listed $298,000 PMAR

Property tax history

-0.2%/yr

Latest (2026): $3,546 · +3.2% YoY. Source: county tax records.