218 Mohican Rd · Mountainhome, PA 18325

$205,000

3 bd · 1.0 ba · 1,184 sqft · SingleFamily public records · 134 Days on market

Built 1987 1.57 ac lot $173/sqft · 13% below area Est $229k · 11% under $29/mo HOA · 1% of rent

---

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 +14.1/30.0
• ARV discount +12.3/15.0
• Appreciation +5.7/10.0
• 1% rule +5.1/10.0
• DSCR +4.3/10.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

Key facts

• Multiple deck areas
• Finished space
• Attached garage

Tags

• ATTACHED GARAGE
• MULTIPLE DECK AREAS
• FULL BASEMENT
• NATURAL LIGHT
• FINISHED SPACE
• RECREATION ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $31 ($374/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $205k).
• Recommended offer: $180k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.5% vs local median 3.0% in Mountainhome — 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 73/100 on livability (#582 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools 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: 48 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 $4k of equity ($1k loan paydown + $3k appreciation (1.5% 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 (1.5% appreciation + 3.0% rent growth), your $57k cash investment doubles in ~9 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 134 days — a 12% lower offer ($180k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $83k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $120k; list at $205k implies a 71% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 134 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.01% ✓
• Cap rate: 6.48%
• Cash-on-cash: 0.65%
• DSCR: 1.03
• GRM: 8.3

CMA / ARV

• ARV (median comp): $229,480
• List price: $205,000
• Delta: -10.67%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
218 Mohican Rd	0.00mi	3/2.0	1,151 (-3%)	0mo	$205,100	$178	91
351 Lower Seese Hill Rd	0.60mi	2/1.0 (-1)	1,008 (-15%)	7mo	$224,000	$222	37

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

Projected returns pro-forma

1.5% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 3.7%
• Equity multiple: 1.19×
• Total profit: $10,979
• Equity at exit: $75,322

10-year hold

• IRR: 7.8%
• Equity multiple: 2.00×
• Total profit: $57,502
• Equity at exit: $104,363

Cash invested: $57,400 (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 18325

• Home prices YoY: 0.9%
• Active inventory: 48
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,063 medium
• Mortgage (P&I): −$1,075
• Tax from tax record: −$410 /mo · $4,915/yr
• Insurance: −$85
• HOA: −$29
• Vacancy / Maint / Mgmt: −$433
• Net cashflow: $31

Break-even live

Break-even rent $2,024

Max offer price $205,000

Occupancy floor 93%

Sensitivity live

Price	-10% $147	-5% $89	+0% $31	+5% $-27	+10% $-85
Rent	-10% $-132	-5% $-50	+0% $31	+5% $113	+10% $194
Rate	-1.0pp $134	-0.5pp $83	base $31	+0.5pp $-22	+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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $29 · $348/yr
• Likely covers: electric

Listing history 10 events

1. 2026-05-07
   status Pending 996-char remark

   Show marketing remark (998 chars)

   Set on 1.57 wooded acres , this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

2. 2026-05-07
   status Pending 998-char remark

   Show marketing remark (998 chars)

   Set on 1.57 wooded acres , this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

3. 2026-04-14
   price $205,000 998-char remark

   Show marketing remark (996 chars)

   Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

4. 2026-04-14
   price $205,000 996-char remark

   Show marketing remark (996 chars)

   Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

5. 2026-01-23
   price $273,600 998-char remark

   Show marketing remark (996 chars)

   Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

6. 2026-01-23
   price $273,600 996-char remark

   Show marketing remark (996 chars)

   Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

7. 2026-01-02
   listed $288,000 Active 998-char remark

   Show marketing remark (998 chars)

   Set on 1.57 wooded acres , this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

8. 2025-12-23
   listed $288,000 Active 996-char remark

   Show marketing remark (996 chars)

   Set on 1.57 wooded acre, this bi-level home offers privacy, scale, and a layout that adapts easily to modern living. The main level features a comfortable living area with natural light, three bedrooms, and a full bath, while the lower level provides additional finished space suitable for a second living area, recreation room, or home office. An attached garage, multiple deck areas, and a full basement expand both storage and usable square footage. Vinyl siding, well and septic, and an electric heating system keep ownership straightforward. The lot's size and setting create a true buffer from neighbors while still providing access to nearby routes, outdoor recreation, and Pocono amenities. This is a property with clear structure, generous land, and flexibility--ideal for a buyer looking to personalize rather than start from scratch. Whether as a primary residence, weekend escape, or long-term investment, 218 Mohican Road presents a solid footprint in a quiet, established community.

9. 1990-08-22
   soldstatus $119,900
10. 1985-12-23
    soldstatus $8,000

ⓘ 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: $4,915 · $410/mo
• Projected year-2 tax: $4,915 · $410/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 7/10 Severe
• 🌡 Heat 3/10 Moderate 7 d/yr ≥91°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 8% 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: $24,762
• − Mortgage interest: −$11,483
• − Property taxes: −$4,915
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,981
• − Management: −$1,981
• − HOA: −$348
• − Depreciation: −$5,964
• Taxable loss: −$2,934
• Est. tax savings @ 24.0%: +$704
• After-tax cash flow: $1,078/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 — Mountainhome

• Score: 73/100
• State rank: #582
• US rank: #5598

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,688

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 (78%)
• Race & ethnicity: White 78% Two or more races 22% Hispanic / Latino 19%
• Common ancestry: Romanian 22% Scotch-Irish 7% Slovak 2%
• Foreign-born: 6% · Canada
• Languages at home: 82% English-only · Spanish 14% Russian/Polish/Slavic 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: ▲ 1.50%
• Current HPI: 168.9888
• 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

+2462.5% since first listed

10 events — show timeline

• 2026-05-07 Pending — PMAR
• 2026-05-07 Pending — PWMLS
• 2026-04-14 Price Changed $205,000 PWMLS
• 2026-04-14 Price Changed $205,000 PMAR
• 2026-01-23 Price Changed $273,600 PWMLS
• 2026-01-23 Price Changed $273,600 PMAR
• 2026-01-02 Listed $288,000 PWMLS
• 2025-12-23 Listed $288,000 PMAR
• 1990-08-22 Sold (Public Records) $119,900 Public Records
• 1985-12-23 Sold (Public Records) $8,000 Public Records

Property tax history

+1.1%/yr

Latest (2026): $4,915 · +1.7% YoY. Source: county tax records.