430 Mohave Dr · Lake Wynonah, PA 17922

$315,000

2 bd · 1.0 ba · 1,248 sqft · SingleFamily public records · 6 Days on market

Built 1974 0.80 ac lot Est $296k · 6% over $159/mo HOA · 5% 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 +19.1/30.0
• DSCR +6.0/10.0
• 1% rule +5.2/10.0
• ARV discount +4.6/15.0
• Schools +4.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Opportunity awaits you with this Lake Wynonah ranch home. Situated on an oversized double lot of . 8 acres, you are directly across from A Dock, and mere steps away from the recreation area, fishing, kayaking, and boating. You won't find a better location. Seasonal lake views will delight you in fall and winter. Move right in and with some TLC you can bring new life to this home. The lower level was previously finished with an additional bedroom and family room, and can easily be finished again for additional living space. There is a 2 story shed, with electric, providing ample storage space. The home offers a main floor laundry, 2 bedrooms, 2 baths, a dining room, updated kitchen, and spacious living room with stone fireplace. In the past 10 years the roof, siding, and windows were replaced. Property being sold as is and is priced to reflect such. Call today for your private tour. NO DRIVE BYS. No walking on property without appointment and your agent.

Key facts

• 0.8 acre lot
• 4 parking spots
• Community pool

Property features AI

Finance

• Financial info: One-time other fee of $500
• HOA & community: Monthly HOA fee; HOA covers common area maintenance, pier/dock maintenance, pools, recreation facilities, road maintenance, security gate, and snow removal; Community amenities include: bar/lounge, beach, boat slip and ramp, clubhouse, common grounds, community center, lake and marina access, picnic area, pier/dock, outdoor pool, security, tennis courts, playgrounds, and water/lake privileges

Exterior

• Parking: Asphalt driveway with 4 driveway spaces (4 total garage/parking spaces reported)
• Security: Gated community with security
• Utilities: Public water; On-site septic; Propane owned for heating and hot water; Electric cooling and service (200+ amp)
• Home design: Detached single-family home; Estimated year built (source: estimated)
• Construction: Vinyl siding; Other type of foundation (noted as 'Other')
• Exterior features: Community in-ground concrete fenced pool; Additional adjoining parcel included (property sits on 0.5 acres with an adjoining 0.3 acre parcel included); Not in a federal flood zone

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: 2 bedrooms on the main level
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Heat pump with gas backup; Propane-fired heating components; Instant hot water (propane); Central air conditioning; 200+ amp electrical service with circuit breakers
• Interior features: Living room; Dining room; Laundry on main floor; Walkout basement with interior access; Heated basement; Poured concrete basement; Gas/Propane fireplace insert (1)
• Laundry & utility: Main floor laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $315k.

Deal economics

• At list price, monthly cash flow is $334 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $315k).
• Cap rate 7.6% vs local median 4.8% in Lake Wynonah — 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 69/100 on livability (#857 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: schools D+, amenities F, commute F.
• Blue Mountain SD (town): math 42% / reading 65% proficiency, ranked #126 of 539 in PA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 53 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 169 units permitted in Schuylkill County in 2024 (0 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 $9k of value loss. Plan a longer hold.
• Schuylkill County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 16y 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 $112k; list at $315k implies a 181% gain — meaningful room to come down on a strong offer.

Recommended offer $315,000

Questions for the listing agent

1. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.02% ✓
• Cap rate: 7.56%
• Cash-on-cash: 4.54%
• DSCR: 1.20
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $295,776
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
71 Papoose Dr	0.55mi	2/2.0	1,196 (-4%)	19mo	$262,000	$219	48
471 Wynonah Dr	0.43mi	3/2.0 (+1)	1,373 (+10%)	16mo	$530,000	$386	41
84 Comanche Dr	0.50mi	3/2.0 (+1)	1,376 (+10%)	18mo	$325,900	$237	36

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: -9.2%
• Equity multiple: 0.66×
• Total profit: $-29,727
• Equity at exit: $46,968

10-year hold

• IRR: 0.3%
• Equity multiple: 1.02×
• Total profit: $1,727
• Equity at exit: $27,235

Cash invested: $88,200 (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 17922

• Home prices YoY: -33.6%
• Active inventory: 53
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $3,200 medium
• Mortgage (P&I): −$1,652
• Tax from tax record: −$252 /mo · $3,025/yr
• Insurance: −$131
• HOA: −$159
• Vacancy / Maint / Mgmt: −$672
• Net cashflow: $334

Break-even live

Break-even rent $2,778

Max offer price $315,000

Occupancy floor 85%

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: $78,750
• Closing costs: $9,450
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1342 Stag Dr Auburn, PA	3.0	2.5	1500	$3,200	$2.13	43d	1	0.99mi

HOA detail

• Monthly dues: $159 · $1,908/yr
• Likely covers: electric

Listing history 15 events

1. 2026-04-14
   status Pending
2. 2026-04-13
   historical
3. 2026-04-07
   listed $315,000 Active
4. 2025-12-01
   status Pending
5. 2025-11-20
   historical
6. 2025-11-20
   historical
7. 2025-11-07
   price $319,900
8. 2025-10-03
   listed $329,900 Active
9. 2020-07-31
   soldstatus $112,000 Closed 967-char remark

   Show marketing remark (967 chars)

   Opportunity awaits you with this Lake Wynonah ranch home. Situated on an oversized double lot of . 8 acres, you are directly across from A Dock, and mere steps away from the recreation area, fishing, kayaking, and boating. You won't find a better location. Seasonal lake views will delight you in fall and winter. Move right in and with some TLC you can bring new life to this home. The lower level was previously finished with an additional bedroom and family room, and can easily be finished again for additional living space. There is a 2 story shed, with electric, providing ample storage space. The home offers a main floor laundry, 2 bedrooms, 2 baths, a dining room, updated kitchen, and spacious living room with stone fireplace. In the past 10 years the roof, siding, and windows were replaced. Property being sold as is and is priced to reflect such. Call today for your private tour. NO DRIVE BYS. No walking on property without appointment and your agent.

10. 2020-06-26
    status Pending 967-char remark

    Show marketing remark (967 chars)

    Opportunity awaits you with this Lake Wynonah ranch home. Situated on an oversized double lot of . 8 acres, you are directly across from A Dock, and mere steps away from the recreation area, fishing, kayaking, and boating. You won't find a better location. Seasonal lake views will delight you in fall and winter. Move right in and with some TLC you can bring new life to this home. The lower level was previously finished with an additional bedroom and family room, and can easily be finished again for additional living space. There is a 2 story shed, with electric, providing ample storage space. The home offers a main floor laundry, 2 bedrooms, 2 baths, a dining room, updated kitchen, and spacious living room with stone fireplace. In the past 10 years the roof, siding, and windows were replaced. Property being sold as is and is priced to reflect such. Call today for your private tour. NO DRIVE BYS. No walking on property without appointment and your agent.

11. 2020-06-24
    listed $115,000 Active 967-char remark

    Show marketing remark (967 chars)

    Opportunity awaits you with this Lake Wynonah ranch home. Situated on an oversized double lot of . 8 acres, you are directly across from A Dock, and mere steps away from the recreation area, fishing, kayaking, and boating. You won't find a better location. Seasonal lake views will delight you in fall and winter. Move right in and with some TLC you can bring new life to this home. The lower level was previously finished with an additional bedroom and family room, and can easily be finished again for additional living space. There is a 2 story shed, with electric, providing ample storage space. The home offers a main floor laundry, 2 bedrooms, 2 baths, a dining room, updated kitchen, and spacious living room with stone fireplace. In the past 10 years the roof, siding, and windows were replaced. Property being sold as is and is priced to reflect such. Call today for your private tour. NO DRIVE BYS. No walking on property without appointment and your agent.

12. 2010-08-31
    soldstatus $115,000
13. 2010-08-25
    soldstatus $115,000
14. 2010-07-28
    historical
15. 2010-04-23
    listed $115,000

ⓘ 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: $3,025 · $252/mo
• Projected year-2 tax: $4,001 · $333/mo
• Expected delta: +$976/yr (+$81/mo · 32.3%)

ⓘ 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 4/10 Moderate 7 d/yr ≥96°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: $38,400
• − Mortgage interest: −$17,645
• − Property taxes: −$3,025
• − Insurance: −$1,575
• − Repairs & maintenance: −$3,072
• − Management: −$3,072
• − HOA: −$1,908
• − Depreciation: −$9,164
• Taxable loss: −$1,061
• Est. tax savings @ 24.0%: +$255
• After-tax cash flow: $4,260/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: Blue Mountain SD
• NCES district ID: 4203870
• Math proficiency: 42% ▼ -9.00%
• Reading proficiency: 65% ▼ -7.00%
• Median HH income: $58,661
• Composite: 46.42/100
• National rank: #2454
• State rank: #126 of 539 in PA

Livability — Lake Wynonah

• Score: 69/100
• State rank: #857
• US rank: #8980

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lake Wynonah, PA
• Population (ZIP): 5,249

Population outlook (Schuylkill County) Hauer SSP2

• Today (2025): 137,447 people
• By 2030: 133,121 · -3.1%
• By 2040: 124,172 · -9.7%
• By 2050: 115,611 · -15.9%
• By 2075: 100,796 · -26.7%
• By 2100: 86,667 · -36.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Romanian 8% Iranian 4% Lithuanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Schuylkill

• 2024 margin: Solid R (+42.1) · D 28.5% · R 70.6%
• 2008→2024 swing: -33.4pp toward R · 2008: -8.7pp · 2024: -42.1pp
• All cycles: 2024: R+42.1 2020: R+39.9 2016: R+43.4 2012: R+13.4 2008: R+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.58%
• Current HPI: 179.3334
• 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

+173.9% since first listed

15 events — show timeline

• 2026-04-14 Pending — BRIGHT MLS
• 2026-04-13 Listing Removed — BRIGHT MLS
• 2026-04-07 Listed $315,000 BRIGHT MLS
• 2025-12-01 Pending — BRIGHT MLS
• 2025-11-20 Listing Removed — BRIGHT MLS
• 2025-11-20 Listing Removed — BRIGHT MLS
• 2025-11-07 Price Changed $319,900 BRIGHT MLS
• 2025-10-03 Listed $329,900 BRIGHT MLS
• 2020-07-31 Sold (MLS) $112,000 BRIGHT MLS
• 2020-06-26 Pending — BRIGHT MLS
• 2020-06-24 Listed $115,000 BRIGHT MLS
• 2010-08-31 Sold (MLS) $115,000 BRIGHT MLS
• 2010-08-25 Sold (Public Records) $115,000 Public Records
• 2010-07-28 Listing Removed — BRIGHT MLS
• 2010-04-23 Listed $115,000 BRIGHT MLS

Property tax history

+2.0%/yr

Latest (2025): $3,025 · +8.0% YoY. Source: county tax records.