109 Sweet Pea Ln · Pocono Pines, PA 18350

$279,900

2 bd · 1.0 ba · 728 sqft · Other public records · 16 Days on market

Built 1958 3,920 sqft lot

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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 +12.1/30.0
• ARV discount +7.5/15.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• DSCR +3.6/10.0
• Appreciation +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0

Listing remarks MLS

Perfect Investment for Pocono Pines!! This Package includes 4 lots and 3 buildings with total acreage of. 37 acres, total taxes $2840.41, with gazebo centrally located. Amazing setting where you can relax and connect with the nature and the beauty that only Pocono Pines offers. The main house has 2 bedrooms and 1 bath. The 2nd cottage has a large room with a bathroom and is connected by a deck to the main house. The 3rd building is an empty shell that at one time had utilities but currently does not. This is a great opportunity to own a beautiful property in Pocono Pines.

Key facts

• Consistent occupancy
• Desirable location
• Fully furnished

Tags

• FULLY FURNISHED
• PROFESSIONALLY SET UP
• ESTABLISHED REVENUE HISTORY
• STRONG HISTORICAL PERFORMANCE
• CONSISTENT OCCUPANCY
• DESIRABLE LOCATION

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $280k.

Deal economics

• At list price, monthly cash flow is $-61 ($-735/yr) — negative.
• To cash-flow at today's rent, offer at most $269k (3.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $207k (26.0% below list).
• Recommended offer: $207k (26.0% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 4.0% in Pocono Pines — 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 74/100 on livability (#532 in PA, #4,925 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, crime A; Watch: health & safety D, amenities 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: 97 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 (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 16 days — a 2% lower offer ($276k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $207,177 (26.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.74% ✗
• Cap rate: 6.03%
• Cash-on-cash: -0.94%
• DSCR: 0.96
• GRM: 11.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -17.9%
• Equity multiple: 0.37×
• Total profit: $-49,372
• Equity at exit: $41,734

10-year hold

• IRR: -10.2%
• Equity multiple: 0.38×
• Total profit: $-48,479
• Equity at exit: $24,201

Cash invested: $78,372 (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 18350

• Home prices YoY: -1.4%
• Active inventory: 97
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,072 medium
• Mortgage (P&I): −$1,468
• Tax from tax record: −$114 /mo · $1,362/yr
• Insurance: −$117
• HOA: −$0
• Vacancy / Maint / Mgmt: −$435
• Net cashflow: $-61

Break-even live

Break-even rent $2,149

Max offer price $269,078

Occupancy floor 98%

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: $69,975
• Closing costs: $8,397
• Reserves months: —
• Total cash needed: —

Listing history 6 events

1. 2026-04-18
   status Pending
2. 2026-04-01
   listed $279,900 Active
3. 2021-09-02
   soldstatus $750,000
4. 2018-09-21
   soldstatus $65,000 578-char remark

   Show marketing remark (578 chars)

   Perfect Investment for Pocono Pines!! This Package includes 4 lots and 3 buildings with total acreage of. 37 acres, total taxes $2840.41, with gazebo centrally located. Amazing setting where you can relax and connect with the nature and the beauty that only Pocono Pines offers. The main house has 2 bedrooms and 1 bath. The 2nd cottage has a large room with a bathroom and is connected by a deck to the main house. The 3rd building is an empty shell that at one time had utilities but currently does not. This is a great opportunity to own a beautiful property in Pocono Pines.

5. 2017-10-20
   listed $90,000 578-char remark

   Show marketing remark (578 chars)

   Perfect Investment for Pocono Pines!! This Package includes 4 lots and 3 buildings with total acreage of. 37 acres, total taxes $2840.41, with gazebo centrally located. Amazing setting where you can relax and connect with the nature and the beauty that only Pocono Pines offers. The main house has 2 bedrooms and 1 bath. The 2nd cottage has a large room with a bathroom and is connected by a deck to the main house. The 3rd building is an empty shell that at one time had utilities but currently does not. This is a great opportunity to own a beautiful property in Pocono Pines.

6. 2004-08-03
   soldstatus $65,000

ⓘ 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: $1,362 · $114/mo
• Projected year-2 tax: $2,892 · $241/mo
• Expected delta: +$1,530/yr (+$128/mo · 112.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 21% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 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: $24,861
• − Mortgage interest: −$15,679
• − Property taxes: −$1,362
• − Insurance: −$1,400
• − Repairs & maintenance: −$1,989
• − Management: −$1,989
• − Depreciation: −$8,143
• Taxable loss: −$5,699
• Est. tax savings @ 24.0%: +$1,368
• After-tax cash flow: $633/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 — Pocono Pines

• Score: 74/100
• State rank: #532
• US rank: #4925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pocono Pines, PA
• City population: 595
• Population (ZIP): 595

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 (83%)
• Race & ethnicity: White 83% Asian 12% Two or more races 5%
• Common ancestry: Romanian 6% Slovak 6% Russian 3%
• Foreign-born: 15% · South Korea
• Languages at home: 82% English-only · Korean 12% Other Indo-European 6%

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: ▼ -3.00%
• Current HPI: 215.5562
• 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

+330.6% since first listed

6 events — show timeline

• 2026-04-18 Pending — PMAR
• 2026-04-01 Listed $279,900 PMAR
• 2021-09-02 Sold (Public Records) $750,000 Public Records
• 2018-09-21 Sold (MLS) $65,000 PMAR
• 2017-10-20 Listed $90,000 PMAR
• 2004-08-03 Sold (Public Records) $65,000 Public Records

Property tax history

+2.1%/yr

Latest (2026): $1,362 · +3.3% YoY. Source: county tax records.