6361 Cherokee Trl · Mount Pocono, PA 18466

$199,900

3 bd · 2.0 ba · 1,396 sqft · SingleFamily public records · 21 Days on market

Built 1989 0.29 ac lot $143/sqft · 28% below area Est $297k · 33% under $146/mo HOA · 7% of rent

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Why this score? — see what drove the B- 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 +19.1/30.0
• ARV discount +15.0/15.0
• Appreciation +6.2/10.0
• 1% rule +6.1/10.0
• DSCR +6.0/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

Key facts

• Fitness center
• Clubhouse
• Pool

Tags

• POCONO FARMS COMMUNITY
• GOLF COURSE
• LAKE
• POOL
• CLUBHOUSE
• FITNESS CENTER

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $210 ($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: $197k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.6% 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: 355 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 45d 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 $6k of equity ($1k loan paydown + $5k appreciation (2.4% 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 (2.4% appreciation + 3.0% rent growth), your $56k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts 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 $138k; 45% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $196,901 (1.5% 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. 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: 1.11% ✓
• Cap rate: 7.56%
• Cash-on-cash: 4.51%
• DSCR: 1.20
• GRM: 7.5

CMA / ARV

• ARV (median comp): $297,189
• List price: $199,900
• Delta: -32.74%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
109 St Regis Walk	0.13mi	3/2.0	1,248 (-11%)	1mo	$307,000	$246	75
6395 Cherokee Trl	0.11mi	4/2.0 (+1)	1,500 (+7%)	4mo	$420,000	$280	74
5063 Seneca Way	0.67mi	3/2.0	1,403 (+0%)	2mo	$265,000	$189	66
854 Memorial Blvd	0.41mi	3/2.0	1,512 (+8%)	4mo	$171,000	$113	64
5177 Iroquois St	0.58mi	3/2.0	1,408 (+1%)	14mo	$252,500	$179	60
6392 Cherokee Trl	0.13mi	4/2.5 (+1)	1,516 (+9%)	19mo	$269,000	$177	57
5100 Seneca Way	0.53mi	2/2.0 (-1)	1,324 (-5%)	18mo	$208,500	$157	47
7230 Wigwam Way	0.52mi	3/2.0	1,248 (-11%)	14mo	$264,000	$212	46
1122 Seven Nations Ln	0.59mi	3/2.0	1,204 (-14%)	12mo	$239,950	$199	40
1071 Salamanca Dr	0.45mi	3/2.5	1,240 (-11%)	24mo	$326,000	$263	38
335 Outer Dr	0.66mi	3/1.5	1,216 (-13%)	17mo	$320,000	$263	32

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

Projected returns pro-forma

2.36% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.0%
• Equity multiple: 1.55×
• Total profit: $30,896
• Equity at exit: $82,732

10-year hold

• IRR: 12.8%
• Equity multiple: 2.79×
• Total profit: $99,998
• Equity at exit: $122,197

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 18466

• Home prices YoY: 1.2%
• Active inventory: 355
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $2,219 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$265 /mo · $3,183/yr
• Insurance: −$83
• HOA: −$146
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $210

Break-even live

Break-even rent $1,953

Max offer price $199,900

Occupancy floor 86%

Sensitivity live

Price	-10% $324	-5% $267	+0% $210	+5% $154	+10% $97
Rent	-10% $35	-5% $123	+0% $210	+5% $298	+10% $386
Rate	-1.0pp $311	-0.5pp $261	base $210	+0.5pp $159	+1.0pp $106

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: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3222 Evergreen Cir Unit B Tobyhanna, PA	3.0	2.0	1300	$1,950	$1.50	45d	1	0.88mi
3262 Hamlet Dr Coolbaugh Township, PA	3.0	2.0	1200	$3,000	$2.50	44d	1	1.26mi
145 Snowshoe Ct Unit 204 Mt Pocono, PA	3.0	2.0	1152	$1,800	$1.56	44d	1	1.39mi

HOA detail

• Monthly dues: $146 · $1,752/yr
• Likely covers: poolgym

Listing history 16 events

1. 2026-05-11
   status Pending 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

2. 2026-05-11
   status Pending 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

3. 2026-05-11
   status Pending

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

4. 2026-05-04
   status Active 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

5. 2026-04-29
   status Active

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

6. 2026-04-29
   status Active 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

7. 2026-04-22
   status Pending

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

8. 2026-04-22
   status Pending 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

9. 2026-04-22
   status Pending 670-char remark

   Show marketing remark (670 chars)

   Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

10. 2026-04-20
    listed $199,900 Active
11. 2026-04-13
    listed $199,900 Active 670-char remark

    Show marketing remark (670 chars)

    Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

12. 2026-04-13
    listed $199,900 Active 670-char remark

    Show marketing remark (670 chars)

    Welcome to Pocono Farms! This 4-bedroom, 2 full bathroom home offers incredible potential for buyers looking to make it their own. Priced accordingly, this property is being sold as-is and will require a new roof—an excellent opportunity for investors or those ready to add value and customize to their taste. Located in the amenity-filled Pocono Farms community, residents enjoy access to a golf course, lake, pool, clubhouse, fitness center, and more. Whether you’re looking for a full-time residence, vacation home, or investment property, this home offers great upside in a sought-after location. Don’t miss the chance to bring your vision to life!

13. 2004-08-24
    soldstatus $138,300
14. 2001-10-29
    soldstatus $94,000
15. 1993-10-19
    soldstatus $80,000
16. 1986-09-15
    soldstatus $20,000

ⓘ 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: $3,183 · $265/mo
• Projected year-2 tax: $3,183 · $265/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 2/10 Low 7 d/yr ≥89°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 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: $26,633
• − Mortgage interest: −$11,198
• − Property taxes: −$3,183
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,131
• − Management: −$2,131
• − HOA: −$1,752
• − Depreciation: −$5,815
• Taxable loss: −$576
• Est. tax savings @ 24.0%: +$138
• After-tax cash flow: $2,664/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

• Population (ZIP): 17,997

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 0.72)
• Race & ethnicity: White 38% Hispanic / Latino 27% Black 24% Two or more races 17% Asian 4%
• Hispanic origin (detail): Puerto Rican 12% Dominican 6%
• Common ancestry: Romanian 2% Portuguese 1% German 1%
• Foreign-born: 16% · Canada
• Languages at home: 77% English-only · Spanish 17% Other Indo-European 2% Russian/Polish/Slavic 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: ▲ 2.36%
• Current HPI: 202.4134
• 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

+899.5% since first listed

16 events — show timeline

• 2026-05-11 Pending — GLVRMLS
• 2026-05-11 Pending — BRIGHT MLS
• 2026-05-11 Pending — PMAR
• 2026-05-04 Relisted — GLVRMLS
• 2026-04-29 Relisted — PMAR
• 2026-04-29 Relisted — BRIGHT MLS
• 2026-04-22 Pending — PMAR
• 2026-04-22 Pending — BRIGHT MLS
• 2026-04-22 Pending — GLVRMLS
• 2026-04-20 Listed $199,900 PMAR
• 2026-04-13 Listed $199,900 BRIGHT MLS
• 2026-04-13 Listed $199,900 GLVRMLS
• 2004-08-24 Sold (Public Records) $138,300 Public Records
• 2001-10-29 Sold (Public Records) $94,000 Public Records
• 1993-10-19 Sold (Public Records) $80,000 Public Records
• 1986-09-15 Sold (Public Records) $20,000 Public Records

Property tax history

-2.5%/yr

Latest (2026): $3,183 · +3.2% YoY. Source: county tax records.