131 Colt Pl · Mount Pocono, PA 18466

$235,000

3 bd · 1.5 ba · 1,080 sqft · SingleFamily public records · 56 Days on market

Built 1969 0.27 ac lot $218/sqft · 11% below area Est $264k · 11% under $146/mo HOA · 6% of rent

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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 +19.8/30.0
• ARV discount +12.4/15.0
• DSCR +6.3/10.0
• Appreciation +6.2/10.0
• 1% rule +5.5/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Escape to this charming 3-bedroom, 2-bath Pocono chalet located in the amenity-filled Pocono Farms Country Club community. Perfect as a vacation home, short-term rental, or year-round residence, this home captures the essence of classic Pocono living. Inside, you'll find warm tongue-and-groove ceilings and a stunning stone-faced wood-burning fireplace that anchors the living space--ideal for cozy nights and entertaining. The home offers three generously sized bedrooms and a functional layout designed for both everyday living and weekend getaways. Step outside to a spacious, flat backyard--perfect for gatherings, entertaining, or simply relaxing in a peaceful setting. Enjoy evenings around t

Key facts

• Ample parking
• Flat backyard
• Pocono chalet

Tags

• POCONO CHALET
• FLAT BACKYARD
• DEDICATED FIREPIT AREA
• COVERED REAR DECK
• AMPLE PARKING
• GOLF COURSE

Property features AI

Finance

• Other: Property is in a homeowners association; annual HOA fee translates to approximately $145.83/month
• HOA & community: Homeowners association with annual fee ($1,750); Association amenities include security, cabana, clubhouse, meeting/party rooms, picnic area, recreation facilities, golf course, fitness center, tennis courts, basketball court, exterior game court; Association fee covers trash and security

Exterior

• Parking: Open parking (4 spaces); Driveway and off-street parking
• Security: Smoke detector(s)
• Utilities: Private water source; Septic tank sewer
• Home design: Single family house; Residential property; Used for recreational and residential purposes; Paved road access; Located in Pocono Farms Country Club subdivision
• Construction: Asphalt roof; Crawl space foundation; Built as a house (year built not provided)
• Exterior features: Rear covered porch; Deck

Interior

• Kitchen: Electric cooktop; Electric oven; Refrigerator; Microwave
• Bedrooms: Total of 7 rooms (bedroom count not specified)
• Flooring: Carpet; Linoleum; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating; Electric heating
• Interior features: Unfurnished; Smoke detectors; Wood-burning fireplace
• Laundry & utility: Washer; Dryer; Main level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $235k.

Deal economics

• At list price, monthly cash flow is $278 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $235k).
• Recommended offer: $228k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.7% 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; 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 $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

• It's been on market 56 days — a 3% lower offer ($228k) is reasonable based on typical stale-listing flexibility.

Recommended offer $227,950 (3.0% below list)

Questions for the listing agent

1. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.05% ✓
• Cap rate: 7.71%
• Cash-on-cash: 5.08%
• DSCR: 1.23
• GRM: 7.9

CMA / ARV

• ARV (median comp): $263,572
• List price: $235,000
• Delta: -10.84%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
109 Wood Duck Pl	0.33mi	3/2.0	1,104 (+2%)	1mo	$260,000	$236	78
304 Ruger Ln	0.07mi	3/1.0	968 (-10%)	5mo	$282,000	$291	74
113 Colt Pl	0.10mi	4/2.0 (+1)	1,108 (+3%)	15mo	$330,000	$298	72
5142 Iroquois	0.23mi	3/1.5	1,056 (-2%)	21mo	$255,000	$241	68
1122 Seven Nations Ln	0.26mi	3/2.0	1,204 (+12%)	12mo	$239,950	$199	57
107 Black Bear Ln	0.41mi	3/2.0	1,194 (+11%)	9mo	$255,000	$214	54
335 Outer Dr	0.38mi	3/1.5	1,216 (+13%)	17mo	$320,000	$263	47
5111 Iroquois St	0.39mi	3/2.0	1,200 (+11%)	19mo	$196,947	$164	45
609 Washington Pl	0.54mi	3/2.0	1,143 (+6%)	23mo	$405,000	$354	44
2015 Minqua Trl Trl	0.60mi	3/1.0	960 (-11%)	13mo	$175,000	$182	40
112 Ewe Ln	0.74mi	3/1.5	960 (-11%)	8mo	$242,500	$253	40
6391 Cherokee Trl	0.71mi	3/1.5	1,176 (+9%)	15mo	$291,100	$248	39

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: 10.5%
• Equity multiple: 1.58×
• Total profit: $38,203
• Equity at exit: $97,259

10-year hold

• IRR: 13.2%
• Equity multiple: 2.84×
• Total profit: $121,373
• Equity at exit: $143,653

Cash invested: $65,800 (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: 7.9×

Monthly cashflow live

• Estimated rent: $2,469 medium
• Mortgage (P&I): −$1,232
• Tax from tax record: −$196 /mo · $2,353/yr
• Insurance: −$98
• HOA: −$146
• Vacancy / Maint / Mgmt: −$519
• Net cashflow: $278

Break-even live

Break-even rent $2,117

Max offer price $235,000

Occupancy floor 84%

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3222 Evergreen Cir Unit B Tobyhanna, PA	3.0	2.0	1300	$1,950	$1.50	44d	1	1.32mi
3262 Hamlet Dr Coolbaugh Township, PA	3.0	2.0	1200	$3,000	$2.50	43d	1	1.46mi

HOA detail

• Monthly dues: $146 · $1,752/yr

Listing history 16 events

1. 2026-06-19
   days on market $235,000 Active 56 DOM
2. 2026-06-18
   days on market $235,000 Active 55 DOM
3. 2026-06-17
   days on market $235,000 Active 54 DOM
4. 2026-06-16
   days on market $235,000 Active 53 DOM
5. 2026-06-15
   days on market $235,000 Active 52 DOM
6. 2026-06-14
   days on market $235,000 Active 50 DOM
7. 2026-06-13
   days on market $235,000 Active 49 DOM
8. 2026-06-10
   days on market $235,000 Active 47 DOM
9. 2026-06-09
   days on market $235,000 Active 46 DOM
10. 2026-06-08
    days on market $235,000 Active 45 DOM
11. 2026-06-07
    days on market $235,000 Active 44 DOM
12. 2026-06-02
    days on market $235,000 Active 39 DOM
13. 2026-06-01
    days on market $235,000 Active 38 DOM
14. 2026-05-31
    days on market $235,000 Active 37 DOM
15. 2026-05-30
    days on market $235,000 Active 36 DOM
16. 2026-04-20
    listed $235,000 Active 1317-char remark

ⓘ 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: $2,353 · $196/mo
• Projected year-2 tax: $3,033 · $253/mo
• Expected delta: +$680/yr (+$57/mo · 28.9%)

ⓘ 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 1/10 Low 7 d/yr ≥89°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $29,631
• − Mortgage interest: −$13,164
• − Property taxes: −$2,353
• − Insurance: −$1,175
• − Repairs & maintenance: −$2,371
• − Management: −$2,371
• − HOA: −$1,752
• − Depreciation: −$6,836
• Taxable loss: −$390
• Est. tax savings @ 24.0%: +$94
• After-tax cash flow: $3,434/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

• 2026-04-20 Listed $235,000 PMAR

Property tax history

-0.4%/yr

Latest (2026): $2,353 · +3.2% YoY. Source: county tax records.