36 Deerfield Dr · Mount Pocono, PA 18344

$299,000

3 bd · 2.5 ba · 1,456 sqft · SingleFamily public records · 4 Days on market

Built 1986 0.34 ac lot Est $258k · 16% over $15/mo HOA · 1% 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 +15.3/30.0
• Appreciation +5.3/10.0
• DSCR +4.7/10.0
• 1% rule +4.2/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.3/15.0

Listing remarks MLS

This is the home Everything on your list and it is in the perfect location. This home comes with all the space you are looking for. 3 bedroom 2.5 bath large kitchen, finished basement with family room, storage room spacious laundry room. Location! Location! this home in close to Kalahari water park close to shopping and restaurants and buses Call today for an appointment .

Key facts

• Access to lake
• Community amenities
• Access to pool

Tags

• FULL BASEMENT LIVING AREA
• COMMUNITY AMENITIES
• ACCESS TO POOL
• ACCESS TO LAKE

Property features AI

Finance

• Other: Above-grade finished area: 1,456; Below-grade finished area: 732; Total finished area reported
• Financial info: Annual property tax approximately $4,423.86
• HOA & community: HOA with annual fee of $175 (about $14.58/month); Community pool

Exterior

• Parking: Attached 2-car garage; 4 open parking spaces
• Home design: Single-family residence; Residential property
• Exterior features: Lot in Summit Pointe subdivision; Lot size approximately 0.34 acres; Directions: From 940 onto Heath Ln, left onto Mountain Drive, right on Deerfield; house is on the left

Interior

• Bathrooms: 2 full bathrooms; 1 half bathroom
• Interior features: Unfurnished; 6 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $299k.

Deal economics

• At list price, monthly cash flow is $110 ($1k/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 $276k (7.6% below list).
• Recommended offer: $276k (7.6% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 5.1% in Mount Pocono — 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 77/100 on livability (#362 in PA, #3,166 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools 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: 47 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($2k loan paydown + $2k appreciation (0.6% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (0.6% appreciation + 3.0% rent growth), your $84k cash investment doubles in ~10 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 5y 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 $253k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $276,377 (7.6% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 0.92% ✗
• Cap rate: 6.73%
• Cash-on-cash: 1.57%
• DSCR: 1.07
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $257,712
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1164 Lexington Ave	0.44mi	4/2.0 (+1)	1,512 (+4%)	21mo	$659,000	$436	49
1262 Lexington Ave	0.44mi	4/2.5 (+1)	1,650 (+13%)	14mo	$288,900	$175	41
85 Church Ave	0.56mi	3/1.5	1,654 (+14%)	9mo	$292,000	$177	39
71 Fairview Ave	0.69mi	4/2.0 (+1)	1,332 (-8%)	12mo	$236,000	$177	37

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

Projected returns pro-forma

0.63% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.09×
• Total profit: $7,264
• Equity at exit: $96,378

10-year hold

• IRR: 6.7%
• Equity multiple: 1.78×
• Total profit: $65,159
• Equity at exit: $123,783

Cash invested: $83,720 (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 18344

• Home prices YoY: 0.3%
• Active inventory: 47
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $2,764 medium
• Mortgage (P&I): −$1,568
• Tax from tax record: −$366 /mo · $4,395/yr
• Insurance: −$125
• HOA: −$15
• Vacancy / Maint / Mgmt: −$580
• Net cashflow: $110

Break-even live

Break-even rent $2,625

Max offer price $299,000

Occupancy floor 91%

Sensitivity live

Price	-10% $279	-5% $194	+0% $110	+5% $25	+10% $-60
Rent	-10% $-109	-5% $0	+0% $110	+5% $219	+10% $328
Rate	-1.0pp $260	-0.5pp $186	base $110	+0.5pp $32	+1.0pp $-47

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: $74,750
• Closing costs: $8,970
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5 Deerfield Dr Mt Pocono, PA	3.0	2.5	1686	$2,800	$1.66	44d	1	0.22mi
1159 Thunder Dr Pocono Summit, PA	4.0	2.0	1800	$3,400	$1.89	44d	1	1.11mi
145 Snowshoe Ct Unit 204 Mt Pocono, PA	3.0	2.0	1152	$1,800	$1.56	44d	1	1.26mi

HOA detail

• Monthly dues: $15 · $180/yr
• Likely covers: water

Listing history 4 events

1. 2026-06-13
   statusdays on market $299,000 Pending 4 DOM
2. 2026-06-10
   days on market $299,000 Active 2 DOM
3. 2026-06-09
   remarks 501-char remark
4. 2026-06-09
   listed $299,000 Active 1 DOM

ⓘ 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: $4,395 · $366/mo
• Projected year-2 tax: $4,559 · $380/mo
• Expected delta: +$165/yr (+$14/mo · 3.7%)

ⓘ 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 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥90°F today · 15 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,165
• − Mortgage interest: −$16,749
• − Property taxes: −$4,395
• − Insurance: −$1,495
• − Repairs & maintenance: −$2,653
• − Management: −$2,653
• − HOA: −$180
• − Depreciation: −$8,698
• Taxable loss: −$3,658
• Est. tax savings @ 24.0%: +$878
• After-tax cash flow: $2,193/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 — Mount Pocono

• Score: 77/100
• State rank: #362
• US rank: #3166

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mount Pocono, PA
• Population (ZIP): 3,472

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 47% Hispanic / Latino 22% Black 15% Asian 9% Two or more races 8%
• Hispanic origin (detail): Puerto Rican 7% Dominican 1%
• Common ancestry: Romanian 3% Italian 2% Hispanic 1%
• Foreign-born: 17% · Canada
• Languages at home: 67% English-only · Spanish 19% Other Indo-European 7% Tagalog/Filipino 3%

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: ▲ 0.63%
• Current HPI: 179.2541
• 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

+203.6% since first listed

5 events — show timeline

• 2026-06-08 Listed $299,000 PMAR
• 2022-03-21 Sold (Public Records) $253,000 Public Records
• 2022-03-15 Sold (MLS) $253,000 PMAR
• 2021-10-18 Listed $249,900 PMAR
• 1995-02-02 Sold (Public Records) $98,500 Public Records

Property tax history

-0.6%/yr

Latest (2026): $4,395 · +2.9% YoY. Source: county tax records.