124 Shawnee Dr · Pocono Pines, PA 18347

$339,900

4 bd · 2.0 ba · 1,404 sqft · SingleFamily public records · 58 Days on market

Built 1974 0.61 ac lot $242/sqft · 49% above area Est $458k · 26% under $173/mo HOA · 7% 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).

• ARV discount +15.0/15.0
• Cash flow +7.0/30.0
• Appreciation +4.3/10.0
• Schools +4.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +1.2/10.0

Listing remarks

This beautiful move in ready ranch has so much to offer! With 4 spacious rooms and 3 baths, you will find yourself in awe with all of the unique features this home has. It includes a bonus room with an indoor SPACIOUS HOT TUB and a BEAUTIFUL SAUNA, that will leave you feeling like you are in your own little paradise. Step outside to the large back deck and enjoy countless of family memories. With over a half an acre of land, including 2 apple trees in the back yard, you have plenty of space to make your dreams come to reality. House in located in a beautiful community with plenty of amenities with its own trash center included in the HOA at no additional cost. Schedule a showing today!

Key facts

• Large back deck
• Indoor hot tub
• Sauna

Tags

• BONUS ROOM
• INDOOR HOT TUB
• SAUNA
• LARGE BACK DECK
• APPLE TREES
• COMMUNITY AMENITIES

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $-503 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $251k (26.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $246k (27.5% below list).
• Recommended offer: $246k (27.5% below list) — sets the bar for 1% rule.

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: 247 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

• Local home prices are declining (-1.5%/yr); year-one equity from $2k of loan paydown is wiped out by about $5k 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 58 days — a 3% lower offer ($330k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 10y ago; this cycle's ask has dropped $18k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $135k; list at $340k implies a 152% gain — meaningful room to come down on a strong offer.

Recommended offer $246,390 (27.5% 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. It's been on market 58 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.72% ✗
• Cap rate: 4.52%
• Cash-on-cash: -6.35%
• DSCR: 0.72
• GRM: 11.5

CMA / ARV

• ARV (median comp): $457,535
• List price: $339,900
• Delta: -25.71%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
113 Comanche Trl	0.41mi	4/2.0	1,400 (-0%)	9mo	$560,000	$400	73
117 Shawnee Dr	0.06mi	3/1.5 (-1)	1,222 (-13%)	6mo	$250,000	$205	63
111 Mohican Trl	0.46mi	3/2.0 (-1)	1,572 (+12%)	5mo	$285,000	$181	49
204 Pima Pl	0.45mi	3/1.0 (-1)	1,216 (-13%)	1mo	$158,000	$130	47
1111 Wiconisco Dr	0.56mi	3/2.0 (-1)	1,516 (+8%)	11mo	$310,000	$204	46
269 Paxinos Dr	0.53mi	3/2.0 (-1)	1,500 (+7%)	18mo	$360,000	$240	44
3145 Ogontz Dr	0.65mi	4/2.0	1,200 (-14%)	6mo	$367,500	$306	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -16.7%
• Equity multiple: 0.32×
• Total profit: $-64,734
• Equity at exit: $74,410

10-year hold

• IRR: -9.8%
• Equity multiple: 0.19×
• Total profit: $-76,806
• Equity at exit: $71,801

Cash invested: $95,172 (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: 11.5×

Monthly cashflow live

• Estimated rent: $2,464 medium
• Mortgage (P&I): −$1,782
• Tax from tax record: −$353 /mo · $4,233/yr
• Insurance: −$142
• HOA: −$173
• Vacancy / Maint / Mgmt: −$517
• Net cashflow: $-503

Break-even live

Break-even rent $3,101

Max offer price $250,975

Occupancy floor —

Sensitivity live

Price	-10% $-311	-5% $-407	+0% $-503	+5% $-600	+10% $-696
Rent	-10% $-698	-5% $-601	+0% $-503	+5% $-406	+10% $-309
Rate	-1.0pp $-332	-0.5pp $-417	base $-503	+0.5pp $-591	+1.0pp $-681

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: $84,975
• Closing costs: $10,197
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
107 Oswayo Dr Pocono Lake, PA	4.0	2.0	1680	$2,675	$1.59	14d	1	1.01mi
257 Farmers Ln Pocono Lake, PA	3.0	2.5	1344	$2,200	$1.64	14d	1	1.45mi

HOA detail

• Monthly dues: $173 · $2,076/yr
• Likely covers: trash

Listing history 28 events

1. 2026-06-17
   status $339,900 Pending 58 DOM
2. 2026-06-16
   days on market $339,900 Active 58 DOM
3. 2026-06-15
   days on market $339,900 Active 57 DOM
4. 2026-06-14
   days on market $339,900 Active 55 DOM
5. 2026-06-13
   days on market $339,900 Active 54 DOM
6. 2026-06-10
   days on market $339,900 Active 52 DOM
7. 2026-06-09
   days on market $339,900 Active 51 DOM
8. 2026-06-08
   days on market $339,900 Active 50 DOM
9. 2026-06-07
   days on market $339,900 Active 49 DOM
10. 2026-06-02
    days on market $339,900 Active 44 DOM
11. 2026-06-01
    pricestatus $339,900 Active 43 DOM
12. 2026-04-02
    listed $357,999 Active
13. 2026-02-02
    price $379,999
14. 2025-11-22
    price $392,777
15. 2025-11-07
    listed $394,999 Active
16. 2023-11-15
    historical
17. 2023-09-07
    listed $439,900 Active
18. 2023-09-07
    listed $439,900 Active
19. 2023-08-09
    historical
20. 2023-07-24
    price $429,000
21. 2023-06-30
    listed $449,000 Active
22. 2017-10-16
    soldstatus $135,000
23. 2017-10-12
    soldstatus $135,000
24. 2017-08-01
    listed $134,900
25. 2017-02-01
    listed $138,900
26. 2016-05-26
    listed $149,900
27. 2010-05-13
    soldstatus $142,000
28. 2001-09-06
    soldstatus $72,500

ⓘ 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: $4,233 · $353/mo
• Projected year-2 tax: $4,802 · $400/mo
• Expected delta: +$569/yr (+$47/mo · 13.4%)

ⓘ 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 5% 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: $29,567
• − Mortgage interest: −$19,040
• − Property taxes: −$4,233
• − Insurance: −$1,700
• − Repairs & maintenance: −$2,365
• − Management: −$2,365
• − HOA: −$2,076
• − Depreciation: −$9,888
• Taxable loss: −$12,100
• Est. tax savings @ 24.0%: +$2,904
• After-tax cash flow: $-3,137/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

• City population: 595
• 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

+393.8% since first listed

17 events — show timeline

• 2026-04-02 Listed $357,999 PMAR
• 2026-02-02 Price Changed $379,999 PMAR
• 2025-11-22 Price Changed $392,777 PMAR
• 2025-11-07 Listed $394,999 PMAR
• 2023-11-15 Listing Removed — GLVRMLS
• 2023-09-07 Listed $439,900 GLVRMLS
• 2023-09-07 Listed $439,900 PMAR
• 2023-08-09 Delisted — PMAR
• 2023-07-24 Price Changed $429,000 PMAR
• 2023-06-30 Listed $449,000 PMAR
• 2017-10-16 Sold (Public Records) $135,000 Public Records
• 2017-10-12 Sold (MLS) $135,000 PMAR
• 2017-08-01 Listed $134,900 PMAR
• 2017-02-01 Listed $138,900 PMAR
• 2016-05-26 Listed $149,900 PMAR
• 2010-05-13 Sold (Public Records) $142,000 Public Records
• 2001-09-06 Sold (Public Records) $72,500 Public Records

Property tax history

+1.9%/yr

Latest (2026): $4,233 · +3.3% YoY. Source: county tax records.