130 E Lakeview Dr · Birchwood Lakes, PA 18328

$169,900

2 bd · 1.0 ba · 1,088 sqft · SingleFamily public records · 4 Days on market

Built 1969 10,454 sqft lot Est $247k · 31% under $76/mo HOA · 4% 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 +17.8/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +5.6/10.0
• 1% rule +5.5/10.0
• Schools +4.7/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Whimsical, Warm and Cozy Cabin with a view of the lake! Super cute 3 bedroom contemporary home with tons of flexibility in layout. Updated Kitchen bathrooms, and flooring . Tons of Natural light, through large picture windows and skylights throughout! Walking distance to lake, pool and amenities. Great large deck for entertaining as well! Close to main road yet very quiet and private. 4 Mile commute into New Jersey! Great yard for anyone interested in permaculture / local plants and herbs. Community offers many activities. Come Check this unique home out today!

Key facts

• Garden
• Lake views
• Laundry room

Tags

• TWO DECKS
• LAKE VIEWS
• GARDEN
• LAUNDRY ROOM
• LIVING/DEN
• SEPARATE DINING ROOM

Property features AI

Finance

• Other: Paved roads with private road frontage and private-maintained road
• HOA & community: Homeowners association with annual fee (includes security); Community amenities: gated entry, clubhouse, tennis courts, basketball court, pool; Derived monthly association fee approximately $75.83

Exterior

• Parking: Driveway; 4 open parking spaces
• Security: 24-hour security; Security guard
• Utilities: Well water; Septic tank; 200+ amp electrical service
• Home design: Single family residence; Residential property
• Construction: Asphalt/fiberglass shingle roof; Concrete perimeter foundation; Built area approximately 1,368 above-grade square feet
• Exterior features: Rain gutters; Deck; Patio/porch features noted as 'See Remarks'

Interior

• Kitchen: Electric range; Refrigerator; Dishwasher; Range hood; Microwave; Stainless steel appliances; Water heater
• Flooring: Carpet; Laminate; Tile; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard heating; Forced air heating; Electric heating; Oil heating; Wall-mounted cooling unit
• Interior features: Unfurnished; Wood-burning fireplace; Concrete and crawl space basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $139 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 7.3% vs local median 4.7% in Birchwood Lakes — 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 61/100 on livability (#1,407 in PA) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing B+; Watch: employment D+, health & safety D, schools F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 211 active listings in the ZIP; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $17k appreciation (10.0% local appreciation)).
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $48k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$46k 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.
• 3 sale attempts since 7y 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 $118k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $169,900

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.05% ✓
• Cap rate: 7.27%
• Cash-on-cash: 3.50%
• DSCR: 1.16
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $246,976
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
107 E Maheli Dr	0.15mi	3/1.0 (+1)	1,144 (+5%)	11mo	$280,000	$245	70
120 Outer Dr	0.61mi	2/1.0	1,100 (+1%)	11mo	$250,000	$227	60
125 E Shore Dr	0.41mi	3/2.0 (+1)	1,144 (+5%)	8mo	$280,000	$245	57
149 E Lake View Dr	0.14mi	3/1.0 (+1)	976 (-10%)	22mo	$360,000	$369	53
130 Beech Rd	0.42mi	2/1.0	1,025 (-6%)	23mo	$339,000	$331	52
147 Pepperidge Dr	0.33mi	3/1.0 (+1)	1,008 (-7%)	19mo	$200,000	$198	51
113 Lancet Cir	0.37mi	3/1.0 (+1)	938 (-14%)	5mo	$190,000	$203	51
116 Outer Dr	0.58mi	3/1.5 (+1)	1,100 (+1%)	18mo	$260,000	$236	49
179 Tulip St	0.75mi	2/1.0	1,176 (+8%)	6mo	$230,000	$196	47
106 Delta Drive Dr	0.54mi	3/1.0 (+1)	952 (-12%)	12mo	$173,000	$182	39
149 Tamarack Trl	0.45mi	3/2.0 (+1)	1,235 (+14%)	14mo	$250,777	$203	36
144 Basswood Dr	0.68mi	3/1.5 (+1)	1,250 (+15%)	2mo	$265,000	$212	35

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.8%
• Equity multiple: 3.13×
• Total profit: $101,457
• Equity at exit: $153,059

10-year hold

• IRR: 23.5%
• Equity multiple: 7.14×
• Total profit: $291,989
• Equity at exit: $330,078

Cash invested: $47,572 (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 18328

• Home prices YoY: 18.1%
• Active inventory: 211
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,779 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$229 /mo · $2,746/yr
• Insurance: −$71
• HOA: −$76
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $139

Break-even live

Break-even rent $1,603

Max offer price $169,900

Occupancy floor 87%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $76 · $912/yr
• Likely covers: pool

Listing history 7 events

1. 2026-04-29
   status Pending
2. 2026-04-24
   listed $169,900 Active
3. 2020-08-05
   soldstatus $118,000
4. 2020-07-31
   soldstatus $118,000 567-char remark

   Show marketing remark (567 chars)

   Whimsical, Warm and Cozy Cabin with a view of the lake! Super cute 3 bedroom contemporary home with tons of flexibility in layout. Updated Kitchen bathrooms, and flooring . Tons of Natural light, through large picture windows and skylights throughout! Walking distance to lake, pool and amenities. Great large deck for entertaining as well! Close to main road yet very quiet and private. 4 Mile commute into New Jersey! Great yard for anyone interested in permaculture / local plants and herbs. Community offers many activities. Come Check this unique home out today!

5. 2020-06-09
   listed $120,000 567-char remark

   Show marketing remark (567 chars)

   Whimsical, Warm and Cozy Cabin with a view of the lake! Super cute 3 bedroom contemporary home with tons of flexibility in layout. Updated Kitchen bathrooms, and flooring . Tons of Natural light, through large picture windows and skylights throughout! Walking distance to lake, pool and amenities. Great large deck for entertaining as well! Close to main road yet very quiet and private. 4 Mile commute into New Jersey! Great yard for anyone interested in permaculture / local plants and herbs. Community offers many activities. Come Check this unique home out today!

6. 2019-11-25
   listed $120,000
7. 2003-12-23
   soldstatus $105,000

ⓘ 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: $2,746 · $229/mo
• Projected year-2 tax: $2,746 · $229/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 3/10 Moderate 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $21,348
• − Mortgage interest: −$9,517
• − Property taxes: −$2,746
• − Insurance: −$850
• − Repairs & maintenance: −$1,708
• − Management: −$1,708
• − HOA: −$912
• − Depreciation: −$4,943
• Taxable loss: −$1,035
• Est. tax savings @ 24.0%: +$248
• After-tax cash flow: $1,914/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Birchwood Lakes

• Score: 61/100
• State rank: #1407
• US rank: #17785

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Birchwood Lakes, PA
• Population (ZIP): 8,061

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 10% Two or more races 8%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Scotch-Irish 6% Romanian 6% Iranian 4%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 6% Russian/Polish/Slavic 5% Other Indo-European 2%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 38.13%
• Current HPI: 248.4494
• 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

+61.8% since first listed

7 events — show timeline

• 2026-04-29 Pending — PMAR
• 2026-04-24 Listed $169,900 PMAR
• 2020-08-05 Sold (Public Records) $118,000 Public Records
• 2020-07-31 Sold (MLS) $118,000 PMAR
• 2020-06-09 Listed $120,000 PMAR
• 2019-11-25 Listed $120,000 PMAR
• 2003-12-23 Sold (Public Records) $105,000 Public Records

Property tax history

+1.7%/yr

Latest (2026): $2,746 · +1.5% YoY. Source: county tax records.