317 Chickagami Ln · Pocono Pines, PA 18350

$279,000

3 bd · 2.5 ba · 1,488 sqft · Townhouse public records · 59 Days on market

Built 1984 871 sqft lot $188/sqft · at area comps Est $279k · at est. $575/mo HOA · 21% 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).

• Cash flow +9.6/30.0
• ARV discount +7.4/15.0
• 1% rule +5.0/10.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• Appreciation +3.5/10.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Don't let snow keep you away, Pinecrest shovels right up to your door! A large primary bedroom WITH FIREPLACE will keep you snug. Own a piece of Pocono Lake Life with this well-maintained 3-bedroom, 2.5-bath townhome located in 5-star amenity-filled Pinecrest Lake Golf & Country Club. Featuring a true stone fireplace in the living room, fresh paint, new flooring, replaced skylight, and new appliances, offering a bright and comfortable living space. Just a 2-minute walk to the beach, marina, outdoor pool, pickleball and tennis courts, fitness center, community garden, walking trails, and skating pond. Community amenities include a private 18-hole championship golf course and clubhouse with restaurant and bar. Association dues cover access to amenities, trash removal, snow removal, and exterior maintenance, including a recently updated pool. Short-term rentals are permitted, providing flexibility for personal use or investment. Convenient location with access to year-round recreation makes this an ideal primary residence, vacation home, or income-producing property.

Key facts

• Replaced skylight
• True stone fireplace
• New flooring

Tags

• PRIMARY BEDROOM WITH FIREPLACE
• TRUE STONE FIREPLACE
• NEW FLOORING
• REPLACED SKYLIGHT
• NEW APPLIANCES
• 2 MINUTE WALK TO BEACH

Property features AI

Finance

• HOA & community: Annual HOA fee of $6,900

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Cable TV available; Phone service available
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Above-grade finished living space
• Construction: Frame construction; Crawl space foundation; Above- and below-grade structures; Year built estimated
• Exterior features: Not located in a federal flood zone; Annual ground rent payment

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: Two full bathrooms; One half bathroom
• Heating & cooling: Baseboard electric heat; Ceiling fans for cooling; Electric hot water
• Interior features: Two fireplaces; Assessor-listed living area

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $279k.

Deal economics

• At list price, monthly cash flow is $-187 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $246k (11.8% below list).
• Meets the 1% rule at list price ($3k rent vs $279k).
• Recommended offer: $246k (11.8% below list) — sets the bar for cash-flow.
• Cap rate 5.5% vs local median 4.1% in Pocono Pines — 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 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: 98 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 (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 59 days — a 3% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $207k; 35% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 21% of rent.

Recommended offer $246,037 (11.8% 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. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.00% ✓
• Cap rate: 5.49%
• Cash-on-cash: -2.87%
• DSCR: 0.87
• GRM: 8.3

CMA / ARV

• ARV (median comp): $278,502
• List price: $279,000
• Delta: 0.18%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
513 Rondaxe Ln	0.07mi	3/2.5	1,488 (0%)	3mo	$335,000	$225	94
823 Crest Pines Ln Ln	0.24mi	3/2.5	1,488 (0%)	10mo	$299,000	$201	80
423 Woods Lake Ln	0.14mi	3/2.5	1,488 (0%)	16mo	$200,000	$134	80
1532 Assembly Lodge Ln	0.19mi	2/2.5 (-1)	1,468 (-1%)	10mo	$285,000	$194	76
846 Crest Pines Ln	0.20mi	3/2.5	1,440 (-3%)	14mo	$230,000	$160	74
1055 Crestwoods Dr	0.28mi	3/2.5	1,440 (-3%)	10mo	$270,000	$188	73
325 Chickagami Ln	0.03mi	3/2.5	1,564 (+5%)	22mo	$240,000	$153	72
833 Crest Pines Ln	0.22mi	3/2.5	1,440 (-3%)	16mo	$340,000	$236	71
1061 Crestwoods Dr	0.28mi	2/2.5 (-1)	1,631 (+10%)	4mo	$300,000	$184	62

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

Projected returns pro-forma

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

5-year hold

• IRR: -20.9%
• Equity multiple: 0.27×
• Total profit: $-56,764
• Equity at exit: $41,600

10-year hold

• IRR: -14.0%
• Equity multiple: 0.19×
• Total profit: $-63,391
• Equity at exit: $24,123

Cash invested: $78,120 (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 18350

• Home prices YoY: -1.4%
• Active inventory: 98
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,798 medium
• Mortgage (P&I): −$1,463
• Tax from tax record: −$242 /mo · $2,908/yr
• Insurance: −$116
• HOA: −$575
• Vacancy / Maint / Mgmt: −$587
• Net cashflow: $-187

Break-even live

Break-even rent $3,034

Max offer price $246,037

Occupancy floor —

Sensitivity live

Price	-10% $-29	-5% $-108	+0% $-187	+5% $-266	+10% $-345
Rent	-10% $-408	-5% $-297	+0% $-187	+5% $-76	+10% $34
Rate	-1.0pp $-46	-0.5pp $-116	base $-187	+0.5pp $-259	+1.0pp $-332

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: $69,750
• Closing costs: $8,370
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $575 · $6,900/yr
• Likely covers: trashsnow removalexterior maint.poolgym

Listing history 23 events

1. 2026-06-21
   days on market $279,000 Active 59 DOM
2. 2026-06-19
   days on market $279,000 Active 57 DOM
3. 2026-06-18
   days on market $279,000 Active 56 DOM
4. 2026-06-17
   days on market $279,000 Active 55 DOM
5. 2026-06-16
   days on market $279,000 Active 54 DOM
6. 2026-06-15
   days on market $279,000 Active 53 DOM
7. 2026-06-14
   days on market $279,000 Active 51 DOM
8. 2026-06-13
   days on market $279,000 Active 50 DOM
9. 2026-06-10
   days on market $279,000 Active 48 DOM
10. 2026-06-09
    days on market $279,000 Active 47 DOM
11. 2026-06-08
    days on market $279,000 Active 46 DOM
12. 2026-06-07
    days on market $279,000 Active 45 DOM
13. 2026-06-02
    days on market $279,000 Active 40 DOM
14. 2026-06-01
    days on market $279,000 Active 39 DOM
15. 2026-05-31
    days on market $279,000 Active 38 DOM
16. 2026-05-30
    days on market $279,000 Active 37 DOM
17. 2026-04-23
    listed $279,000 Active 1015-char remark
18. 2026-01-21
    listed $279,000 Active 1087-char remark

    Show marketing remark (1087 chars)

    Don't let snow keep you away, Pinecrest shovels right up to your door! A large primary bedroom WITH FIREPLACE will keep you snug. Own a piece of Pocono Lake Life with this well-maintained 3-bedroom, 2.5-bath townhome located in 5-star amenity-filled Pinecrest Lake Golf & Country Club. Featuring a true stone fireplace in the living room, fresh paint, new flooring, replaced skylight, and new appliances, offering a bright and comfortable living space. Just a 2-minute walk to the beach, marina, outdoor pool, pickleball and tennis courts, fitness center, community garden, walking trails, and skating pond. Community amenities include a private 18-hole championship golf course and clubhouse with restaurant and bar. Association dues cover access to amenities, trash removal, snow removal, and exterior maintenance, including a recently updated pool. Short-term rentals are permitted, providing flexibility for personal use or investment. Convenient location with access to year-round recreation makes this an ideal primary residence, vacation home, or income-producing property.

19. 2024-07-01
    soldstatus $207,000
20. 2024-06-28
    soldstatus $207,000 Closed

    Show marketing remark (718 chars)

    Property is Under Contract and considering back-up offers only at this time. Grab your slice of quintessential lake life with this well-maintained 3 bed, 2.5 bath townhome in picturesque and amenity-filled Pinecrest Lake Golf & Country Club. It's a 2 minute stroll to the beach, marina, outdoor pool, pickle ball and tennis complex, fitness center, community garden, walking trails, and skating pond. Other community amenities include a private 18-hole championship golf course and clubhouse restaurant & bar. Dues cover access to all amenities and conveniences, including trash and snow removal. NO separate membership fees and low initial capital contribution. Close to Camelback, Kalahari, and shopping.

21. 2024-05-02
    listed $210,000 Active

    Show marketing remark (718 chars)

    Property is Under Contract and considering back-up offers only at this time. Grab your slice of quintessential lake life with this well-maintained 3 bed, 2.5 bath townhome in picturesque and amenity-filled Pinecrest Lake Golf & Country Club. It's a 2 minute stroll to the beach, marina, outdoor pool, pickle ball and tennis complex, fitness center, community garden, walking trails, and skating pond. Other community amenities include a private 18-hole championship golf course and clubhouse restaurant & bar. Dues cover access to all amenities and conveniences, including trash and snow removal. NO separate membership fees and low initial capital contribution. Close to Camelback, Kalahari, and shopping.

22. 2009-06-29
    soldstatus $139,000
23. 1997-12-02
    soldstatus $80,000

ⓘ 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: $2,908 · $242/mo
• Projected year-2 tax: $3,658 · $305/mo
• Expected delta: +$750/yr (+$63/mo · 25.8%)

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 17 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: $33,570
• − Mortgage interest: −$15,628
• − Property taxes: −$2,908
• − Insurance: −$1,395
• − Repairs & maintenance: −$2,686
• − Management: −$2,686
• − HOA: −$6,900
• − Depreciation: −$8,116
• Taxable loss: −$6,748
• Est. tax savings @ 24.0%: +$1,620
• After-tax cash flow: $-620/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

• Census place: Pocono Pines, PA
• City population: 595
• Population (ZIP): 595

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 (83%)
• Race & ethnicity: White 83% Asian 12% Two or more races 5%
• Common ancestry: Romanian 6% Slovak 6% Russian 3%
• Foreign-born: 15% · South Korea
• Languages at home: 82% English-only · Korean 12% Other Indo-European 6%

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: ▼ -3.00%
• Current HPI: 215.5562
• 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

+248.7% since first listed

7 events — show timeline

• 2026-04-23 Listed $279,000 BRIGHT MLS
• 2026-01-21 Listed $279,000 PMAR
• 2024-07-01 Sold (Public Records) $207,000 Public Records
• 2024-06-28 Sold (MLS) $207,000 PMAR
• 2024-05-02 Listed $210,000 PMAR
• 2009-06-29 Sold (Public Records) $139,000 Public Records
• 1997-12-02 Sold (Public Records) $80,000 Public Records

Property tax history

-5.8%/yr

Latest (2026): $2,908 · +3.3% YoY. Source: county tax records.