1138 Fawn Cv · Lake Wynonah, PA 17922

$339,500

2 bd · 1.5 ba · 1,040 sqft · SingleFamily public records · 30 Days on market

Built 1992 Est $270k · 26% over

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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 +18.1/30.0
• DSCR +5.7/10.0
• Schools +4.6/10.0
• 1% rule +4.4/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Single level Ranch with 2 bedrooms, full bath, kitchen with breakfast bar, dining area, living room, lower level for more living space with a 2nd kitchen, family room or additional bedroom. Garage has Oil Heat. Enjoy all the Lake Wynonah amenities that it has to offer- a lodge, marina, boating, fishing, water skiing, swimming pool, playgrounds, club house, tennis, basketball courts, 24 hour gated security and so much more. Close to major routes for easy commutes to work and play!

Key facts

• Breakfast bar
• 2nd kitchen
• Built 1992

Tags

• BREAKFAST BAR
• 2ND KITCHEN
• LAKE WYNONAH AMENITIES
• 24 HOUR GATED SECURITY

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $301 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $320k (5.7% below list).
• Recommended offer: $320k (5.7% below list) — sets the bar for 1% rule.
• Cap rate 7.4% 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 $10k 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

• It's been on market 30 days — a 2% lower offer ($334k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y 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 $95k; list at $340k implies a 257% gain — meaningful room to come down on a strong offer.

Recommended offer $320,000 (5.7% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 0.94% ✗
• Cap rate: 7.36%
• Cash-on-cash: 3.80%
• DSCR: 1.17
• GRM: 8.8

CMA / ARV

• ARV (on-the-fly): $270,400
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
140 - 141 Navajo Dr	0.73mi	3/1.0 (+1)	960 (-8%)	2mo	$250,000	$260	44

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: -10.4%
• Equity multiple: 0.62×
• Total profit: $-35,881
• Equity at exit: $50,621

10-year hold

• IRR: -1.0%
• Equity multiple: 0.93×
• Total profit: $-6,678
• Equity at exit: $29,354

Cash invested: $95,060 (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: 8.8×

Monthly cashflow live

• Estimated rent: $3,200 medium
• Mortgage (P&I): −$1,780
• Tax from tax record: −$305 /mo · $3,665/yr
• Insurance: −$141
• HOA: −$0
• Vacancy / Maint / Mgmt: −$672
• Net cashflow: $301

Break-even live

Break-even rent $2,819

Max offer price $339,500

Occupancy floor 86%

Sensitivity live

Price	-10% $493	-5% $397	+0% $301	+5% $205	+10% $109
Rent	-10% $48	-5% $174	+0% $301	+5% $427	+10% $554
Rate	-1.0pp $472	-0.5pp $387	base $301	+0.5pp $213	+1.0pp $123

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: $84,875
• Closing costs: $10,185
• 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	44d	1	0.53mi

Listing history 35 events

1. 2026-06-19
   days on market $339,500 Active 30 DOM
2. 2026-06-18
   days on market $339,500 Active 29 DOM
3. 2026-06-17
   days on market $339,500 Active 28 DOM
4. 2026-06-16
   days on market $339,500 Active 27 DOM
5. 2026-06-15
   days on market $339,500 Active 26 DOM
6. 2026-06-14
   days on market $339,500 Active 24 DOM
7. 2026-06-12
   days on market $339,500 Active 23 DOM
8. 2026-06-09
   days on market $339,500 Active 20 DOM
9. 2026-06-08
   days on market $339,500 Active 19 DOM
10. 2026-06-07
    days on market $339,500 Active 18 DOM
11. 2026-06-07
    days on market $339,500 Active 17 DOM
12. 2026-06-04
    days on market $339,500 Active 14 DOM
13. 2026-06-02
    days on market $339,500 Active 13 DOM
14. 2026-06-01
    days on market $339,500 Active 12 DOM
15. 2026-05-31
    days on market $339,500 Active 11 DOM
16. 2026-05-31
    days on market $339,500 Active 10 DOM
17. 2026-05-21
    listed $339,500 Active
18. 2018-05-25
    soldstatus $95,000 484-char remark

    Show marketing remark (484 chars)

    Single level Ranch with 2 bedrooms, full bath, kitchen with breakfast bar, dining area, living room, lower level for more living space with a 2nd kitchen, family room or additional bedroom. Garage has Oil Heat. Enjoy all the Lake Wynonah amenities that it has to offer- a lodge, marina, boating, fishing, water skiing, swimming pool, playgrounds, club house, tennis, basketball courts, 24 hour gated security and so much more. Close to major routes for easy commutes to work and play!

19. 2018-02-28
    historical 484-char remark

    Show marketing remark (484 chars)

    Single level Ranch with 2 bedrooms, full bath, kitchen with breakfast bar, dining area, living room, lower level for more living space with a 2nd kitchen, family room or additional bedroom. Garage has Oil Heat. Enjoy all the Lake Wynonah amenities that it has to offer- a lodge, marina, boating, fishing, water skiing, swimming pool, playgrounds, club house, tennis, basketball courts, 24 hour gated security and so much more. Close to major routes for easy commutes to work and play!

20. 2018-01-21
    historical
21. 2018-01-01
    listed $105,100
22. 2017-10-23
    listed $105,100 484-char remark

    Show marketing remark (484 chars)

    Single level Ranch with 2 bedrooms, full bath, kitchen with breakfast bar, dining area, living room, lower level for more living space with a 2nd kitchen, family room or additional bedroom. Garage has Oil Heat. Enjoy all the Lake Wynonah amenities that it has to offer- a lodge, marina, boating, fishing, water skiing, swimming pool, playgrounds, club house, tennis, basketball courts, 24 hour gated security and so much more. Close to major routes for easy commutes to work and play!

23. 2014-12-08
    historical
24. 2014-06-09
    listed $179,900
25. 2008-12-31
    historical
26. 2008-08-29
    soldstatus $160,000
27. 2008-08-22
    soldstatus $160,000
28. 2008-08-02
    historical
29. 2008-06-07
    listed $162,000
30. 2008-06-07
    listed $160,000
31. 2006-06-05
    soldstatus $150,000
32. 2006-06-05
    soldstatus $150,000
33. 2006-04-25
    historical
34. 2006-04-19
    listed $150,000
35. 2005-11-17
    soldstatus $143,000

ⓘ 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: $3,665 · $305/mo
• Projected year-2 tax: $4,514 · $376/mo
• Expected delta: +$850/yr (+$71/mo · 23.2%)

ⓘ 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 9% 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: −$19,017
• − Property taxes: −$3,665
• − Insurance: −$1,698
• − Repairs & maintenance: −$3,072
• − Management: −$3,072
• − Depreciation: −$9,876
• Taxable loss: −$2,000
• Est. tax savings @ 24.0%: +$480
• After-tax cash flow: $4,089/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

+137.4% since first listed

19 events — show timeline

• 2026-05-21 Listed $339,500 FSBO.com
• 2018-05-25 Sold (MLS) $95,000 BRIGHT MLS
• 2018-02-28 Listing Removed — BRIGHT MLS
• 2018-01-21 Listing Removed — BRIGHT MLS
• 2018-01-01 Listed $105,100 BRIGHT MLS
• 2017-10-23 Listed $105,100 BRIGHT MLS
• 2014-12-08 Listing Removed — BRIGHT MLS
• 2014-06-09 Listed $179,900 BRIGHT MLS
• 2008-12-31 Listing Removed — BRIGHT MLS
• 2008-08-29 Sold (MLS) $160,000 BRIGHT MLS
• 2008-08-22 Sold (Public Records) $160,000 Public Records
• 2008-08-02 Listing Removed — BRIGHT MLS
• 2008-06-07 Listed $160,000 BRIGHT MLS
• 2008-06-07 Listed $162,000 BRIGHT MLS
• 2006-06-05 Sold (Public Records) $150,000 Public Records
• 2006-06-05 Sold (MLS) $150,000 BRIGHT MLS
• 2006-04-25 Listing Removed — BRIGHT MLS
• 2006-04-19 Listed $150,000 BRIGHT MLS
• 2005-11-17 Sold (Public Records) $143,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $3,665 · +8.0% YoY. Source: county tax records.