153 Segatti Cir · Pine Ridge, PA 18324

$269,000

4 bd · 2.5 ba · 2,806 sqft · SingleFamily · 276 Days on market

Built 1989 Fair condition 0.48 ac lot $96/sqft · 7% below area Est $290k · 7% under $69/mo HOA · 3% of rent ↓ 10% since listing

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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 +17.7/30.0
• ARV discount +10.7/15.0
• Appreciation +6.8/10.0
• DSCR +5.5/10.0
• 1% rule +5.1/10.0
• Livability +3.2/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

Key facts

• Generator included
• Community amenities
• Level lot

Tags

• LEVEL LOT
• COMMUNITY AMENITIES
• GATED YARD
• GENERATOR INCLUDED

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $269k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $217 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $269k).
• Recommended offer: $237k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 4.3% in Pine Ridge — 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 65/100 on livability (#1,098 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, schools F, amenities F.
• East Stroudsburg Area SD (rural): math 25% / reading 43% proficiency, ranked #413 of 539 in PA (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 290 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $11k of equity ($2k loan paydown + $9k appreciation (3.5% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.5% appreciation + 3.0% rent growth), your $75k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 276 days — a 12% lower offer ($237k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $31k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $236,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 276 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 1.01% ✓
• Cap rate: 7.26%
• Cash-on-cash: 3.46%
• DSCR: 1.15
• GRM: 8.3

CMA / ARV

• ARV (median comp): $289,645
• List price: $269,000
• Delta: -7.13%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2163 Bushkill Cir	0.21mi	4/3.0	2,485 (-11%)	15mo	$350,000	$141	57
2167 Bushkill Circle Cir	0.16mi	3/1.5 (-1)	2,464 (-12%)	8mo	$240,000	$97	56
192 Mountain Top Cir	0.69mi	4/2.5	2,852 (+2%)	12mo	$410,000	$144	55
1102 Steele Cir	0.68mi	4/2.5	2,478 (-12%)	16mo	$350,000	$141	35

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

Projected returns pro-forma

3.51% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.1%
• Equity multiple: 1.71×
• Total profit: $53,585
• Equity at exit: $128,691

10-year hold

• IRR: 13.9%
• Equity multiple: 3.16×
• Total profit: $162,721
• Equity at exit: $204,566

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 18324

• Home prices YoY: 1.5%
• Active inventory: 290
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,715 medium
• Mortgage (P&I): −$1,411
• Tax est. 1.5%: −$336 /mo · $4,035/yr
• Insurance: −$112
• HOA: −$69
• Vacancy / Maint / Mgmt: −$570
• Net cashflow: $217

Break-even live

Break-even rent $2,441

Max offer price $269,000

Occupancy floor 87%

Sensitivity live

Price	-10% $403	-5% $310	+0% $217	+5% $124	+10% $31
Rent	-10% $3	-5% $110	+0% $217	+5% $324	+10% $432
Rate	-1.0pp $353	-0.5pp $285	base $217	+0.5pp $147	+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: $67,250
• Closing costs: $8,070
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $69 · $828/yr
• Likely covers: poolsecurity

Listing history 21 events

1. 2026-06-19
   days on market $269,000 Active 276 DOM
2. 2026-06-18
   days on market $269,000 Active 275 DOM
3. 2026-06-17
   days on market $269,000 Active 274 DOM
4. 2026-06-16
   days on market $269,000 Active 273 DOM
5. 2026-06-15
   days on market $269,000 Active 272 DOM
6. 2026-06-14
   days on market $269,000 Active 270 DOM
7. 2026-06-13
   days on market $269,000 Active 269 DOM
8. 2026-06-10
   days on market $269,000 Active 267 DOM
9. 2026-06-09
   days on market $269,000 Active 266 DOM
10. 2026-06-08
    days on market $269,000 Active 265 DOM
11. 2026-06-07
    days on market $269,000 Active 264 DOM
12. 2026-06-05
    days on market $269,000 Active 261 DOM
13. 2026-06-02
    days on market $269,000 Active 259 DOM
14. 2026-06-01
    days on market $269,000 Active 258 DOM
15. 2026-05-31
    days on market $269,000 Active 257 DOM
16. 2026-05-30
    days on market $269,000 Active 256 DOM
17. 2026-03-31
    status Active 300-char remark

    Show marketing remark (300 chars)

    4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

18. 2026-03-31
    historical 300-char remark

    Show marketing remark (300 chars)

    4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

19. 2025-11-25
    price $269,000 300-char remark

    Show marketing remark (300 chars)

    4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

20. 2025-09-30
    price $279,999 300-char remark

    Show marketing remark (300 chars)

    4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

21. 2025-09-15
    listed $299,999 Active 300-char remark

    Show marketing remark (300 chars)

    4 Bedroom 2 1/2 Baths Contemporary Nice level lot, Front and back yards. Community amenities: Pool, playground, pond, lake, Security, Road Maintenance and more Outside, enjoy a large, gated yard, perfect for pets, and children. There is a generator included in the sale. Property is being sold AS IS

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 6 d/yr ≥97°F today · 13 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% 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: $32,583
• − Mortgage interest: −$15,068
• − Property taxes: −$4,035
• − Insurance: −$1,345
• − Repairs & maintenance: −$2,607
• − Management: −$2,607
• − HOA: −$828
• − Depreciation: −$7,825
• Taxable loss: −$1,732
• Est. tax savings @ 24.0%: +$416
• After-tax cash flow: $3,020/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

The home requires moderate renovations, focusing on exterior painting and interior updates, to significantly enhance its resale and rental value.

Repairs flagged

• Minor exterior siding — Some discoloration
• Minor interior paint — Some wear
• Minor kitchen cabinets — Dated design

Value-add opportunities

• Resale paint exterior — Enhances curb appeal
• Resale replace kitchen cabinets — Modernizes kitchen
• Both update bathrooms — Improves functionality and aesthetics
• Both paint interior walls — Enhances interior appearance

Renovation cost estimate screening

Repair item	Severity	Est. cost
exterior siding · Some discoloration	Minor	$500–3,000
interior paint · Some wear	Minor	$500–3,000
kitchen cabinets · Dated design	Minor	$500–3,000
Total estimated repair cost · 3 items		$1,500–9,000

Value-add ROI direction

• Resale paint exterior — Enhances curb appeal ↑
• Resale replace kitchen cabinets — Modernizes kitchen ↑
• Both update bathrooms — Improves functionality and aesthetics ↑
• Both paint interior walls — Enhances interior appearance ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: East Stroudsburg Area SD
• NCES district ID: 4208670
• Math proficiency: 25% ▼ -11.00%
• Reading proficiency: 43% ▼ -18.00%
• Median HH income: $57,142
• Composite: 30.13/100
• National rank: #6332
• State rank: #413 of 539 in PA

Livability — Pine Ridge

• Score: 65/100
• State rank: #1098
• US rank: #12434

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, PA
• Population (ZIP): 9,591

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 47% Hispanic / Latino 26% Black 21% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 12% Cuban 3% Dominican 5%
• Common ancestry: Romanian 2% Estonian 1% Lithuanian 1%
• Foreign-born: 19% · Canada, South Korea
• Languages at home: 69% English-only · Spanish 19% Russian/Polish/Slavic 4% French/Haitian/Cajun 3%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.51%
• Current HPI: 243.6754
• 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

-10.3% since first listed

5 events — show timeline

• 2026-03-31 Relisted — PMAR
• 2026-03-31 Delisted — PMAR
• 2025-11-25 Price Changed $269,000 PMAR
• 2025-09-30 Price Changed $279,999 PMAR
• 2025-09-15 Listed $299,999 PMAR