200 Onocop Dr · Tobyhanna, PA 18347

$199,900

3 bd · 1.0 ba · 860 sqft · SingleFamily public records · 70 Days on market

Built 1965 1.26 ac lot $232/sqft · 18% below area Est $229k · 13% under $46/mo HOA · 2% of rent ↓ 15% 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 +19.8/30.0
• ARV discount +13.3/15.0
• DSCR +6.3/10.0
• 1% rule +5.6/10.0
• Appreciation +4.3/10.0
• Schools +4.0/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Your Private Mountain Lake Escape Awaits in Forest Glen! Imagine waking up to the peaceful sounds of nature in this exclusive, private lake community -- where crystal-clear waters, a sandy beach, volleyball court, and welcoming pavilion create the perfect year-round playground right outside your door! This move-in-ready home sits just a good stroll from the beach and lake. Featuring 3 spacious bedrooms and 1 bathroom, has upgrades such as: Near new central heat & A/C (installed 2023) Newer roof Updated septic system -- good as new and fully compliant with the latest 3-bedroom codes Priced for value with low annual dues of only $600, this gem rests on a generous 1.26-acre lot bordered on one side by 153+ acres of protected Nature Conservancy land -- guaranteeing peace and privacy for years to come. The backyard offers even more serenity: the rear borders another community area with only a narrow road and two extremely slim lots, making it highly unlikely anything will ever be built behind you. True back-of-the-community tranquility! Downstairs you'll find a full unfinished basement with a garage door -- the ultimate blank canvas! Finish it into a spectacular recreation room, game area, home theater, or even add a second bathroom. Plenty of space for your vision, plus convenient one-car garage access. This is your rare opportunity to own a solid home in a serene lake community and create the mountain retreat of your dreams. Whether it's weekend getaways or full-time living, Forest Glen delivers the lifestyle you've been waiting for. Don't miss this one -- opportunities like this don't last long! Ready to make it yours? Contact a realtor today for a private showing! STR's not permitted by community. Public pool and lake nearby to this home! Very few items excluded, ask for the detailed inventory list.

Key facts

• Sandy beach
• Volleyball court
• Generous lot

Tags

• PRIVATE LAKE COMMUNITY
• SANDY BEACH
• VOLLEYBALL COURT
• WELCOMING PAVILION
• GENEROUS LOT
• FULL UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $188k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• 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: 247 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 (-1.5%/yr); year-one equity from $1k of loan paydown is wiped out by about $3k 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 70 days — a 6% lower offer ($188k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $187,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — 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. 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. 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: 1.06% ✓
• Cap rate: 7.71%
• Cash-on-cash: 5.07%
• DSCR: 1.23
• GRM: 7.9

CMA / ARV

• ARV (median comp): $229,480
• List price: $199,900
• Delta: -12.89%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Projected returns pro-forma

-1.47% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.8%
• Equity multiple: 0.93×
• Total profit: $-4,157
• Equity at exit: $43,762

10-year hold

• IRR: 5.5%
• Equity multiple: 1.50×
• Total profit: $28,057
• Equity at exit: $42,227

Cash invested: $55,972 (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 18347

• Home prices YoY: -0.7%
• Active inventory: 247
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,121 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$262 /mo · $3,143/yr
• Insurance: −$83
• HOA: −$46
• Vacancy / Maint / Mgmt: −$445
• Net cashflow: $236

Break-even live

Break-even rent $1,822

Max offer price $199,900

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $46 · $552/yr
• Likely covers: waterpool

Listing history 22 events

1. 2026-06-18
   days on market $199,900 Active 70 DOM
2. 2026-06-17
   days on market $199,900 Active 69 DOM
3. 2026-06-16
   days on market $199,900 Active 68 DOM
4. 2026-06-15
   days on market $199,900 Active 67 DOM
5. 2026-06-14
   days on market $199,900 Active 65 DOM
6. 2026-06-13
   days on market $199,900 Active 64 DOM
7. 2026-06-10
   days on market $199,900 Active 62 DOM
8. 2026-06-09
   days on market $199,900 Active 61 DOM
9. 2026-06-08
   days on market $199,900 Active 60 DOM
10. 2026-06-07
    days on market $199,900 Active 59 DOM
11. 2026-06-02
    days on market $199,900 Active 54 DOM
12. 2026-06-01
    days on market $199,900 Active 53 DOM
13. 2026-05-31
    days on market $199,900 Active 52 DOM
14. 2026-05-30
    days on market $199,900 Active 51 DOM
15. 2026-05-07
    price $199,900 1840-char remark

    Show marketing remark (1840 chars)

    Your Private Mountain Lake Escape Awaits in Forest Glen! Imagine waking up to the peaceful sounds of nature in this exclusive, private lake community -- where crystal-clear waters, a sandy beach, volleyball court, and welcoming pavilion create the perfect year-round playground right outside your door! This move-in-ready home sits just a good stroll from the beach and lake. Featuring 3 spacious bedrooms and 1 bathroom, has upgrades such as: Near new central heat & A/C (installed 2023) Newer roof Updated septic system -- good as new and fully compliant with the latest 3-bedroom codes Priced for value with low annual dues of only $600, this gem rests on a generous 1.26-acre lot bordered on one side by 153+ acres of protected Nature Conservancy land -- guaranteeing peace and privacy for years to come. The backyard offers even more serenity: the rear borders another community area with only a narrow road and two extremely slim lots, making it highly unlikely anything will ever be built behind you. True back-of-the-community tranquility! Downstairs you'll find a full unfinished basement with a garage door -- the ultimate blank canvas! Finish it into a spectacular recreation room, game area, home theater, or even add a second bathroom. Plenty of space for your vision, plus convenient one-car garage access. This is your rare opportunity to own a solid home in a serene lake community and create the mountain retreat of your dreams. Whether it's weekend getaways or full-time living, Forest Glen delivers the lifestyle you've been waiting for. Don't miss this one -- opportunities like this don't last long! Ready to make it yours? Contact a realtor today for a private showing! STR's not permitted by community. Public pool and lake nearby to this home! Very few items excluded, ask for the detailed inventory list.

16. 2026-04-09
    listed $214,900 Active 1840-char remark

    Show marketing remark (1840 chars)

    Your Private Mountain Lake Escape Awaits in Forest Glen! Imagine waking up to the peaceful sounds of nature in this exclusive, private lake community -- where crystal-clear waters, a sandy beach, volleyball court, and welcoming pavilion create the perfect year-round playground right outside your door! This move-in-ready home sits just a good stroll from the beach and lake. Featuring 3 spacious bedrooms and 1 bathroom, has upgrades such as: Near new central heat & A/C (installed 2023) Newer roof Updated septic system -- good as new and fully compliant with the latest 3-bedroom codes Priced for value with low annual dues of only $600, this gem rests on a generous 1.26-acre lot bordered on one side by 153+ acres of protected Nature Conservancy land -- guaranteeing peace and privacy for years to come. The backyard offers even more serenity: the rear borders another community area with only a narrow road and two extremely slim lots, making it highly unlikely anything will ever be built behind you. True back-of-the-community tranquility! Downstairs you'll find a full unfinished basement with a garage door -- the ultimate blank canvas! Finish it into a spectacular recreation room, game area, home theater, or even add a second bathroom. Plenty of space for your vision, plus convenient one-car garage access. This is your rare opportunity to own a solid home in a serene lake community and create the mountain retreat of your dreams. Whether it's weekend getaways or full-time living, Forest Glen delivers the lifestyle you've been waiting for. Don't miss this one -- opportunities like this don't last long! Ready to make it yours? Contact a realtor today for a private showing! STR's not permitted by community. Public pool and lake nearby to this home! Very few items excluded, ask for the detailed inventory list.

17. 2025-10-10
    price $224,900
18. 2025-04-17
    price $237,900
19. 2025-04-16
    listed $230,000 Active
20. 2024-07-06
    status Active
21. 2024-07-06
    price $295,000
22. 2024-05-24
    listed $235,000 Active

ⓘ 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: $3,143 · $262/mo
• Projected year-2 tax: $3,151 · $263/mo
• Expected delta: +$7/yr (+$1/mo · 0.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 1/10 Low 7 d/yr ≥89°F today · 16 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,456
• − Mortgage interest: −$11,198
• − Property taxes: −$3,143
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,036
• − Management: −$2,036
• − HOA: −$552
• − Depreciation: −$5,815
• Taxable loss: −$325
• Est. tax savings @ 24.0%: +$78
• After-tax cash flow: $2,913/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 — Tobyhanna

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 3,535

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 (87%)
• Race & ethnicity: White 87% Hispanic / Latino 10% Black 2% Two or more races 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5%
• Common ancestry: Romanian 16% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 6% Other Indo-European 3% French/Haitian/Cajun 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: ▼ -1.47%
• Current HPI: 202.3693
• 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

-14.9% since first listed

8 events — show timeline

• 2026-05-07 Price Changed $199,900 PMAR
• 2026-04-09 Listed $214,900 PMAR
• 2025-10-10 Price Changed $224,900 PMAR
• 2025-04-17 Price Changed $237,900 PMAR
• 2025-04-16 Listed $230,000 PMAR
• 2024-07-06 Relisted — PMAR
• 2024-07-06 Price Changed $295,000 PMAR
• 2024-05-24 Listed $235,000 PMAR

Property tax history

+2.7%/yr

Latest (2026): $3,143 · +3.3% YoY. Source: county tax records.