150 Twin Oak Ter · Penn Estates, PA 18372

$275,000

3 bd · 2.0 ba · 1,660 sqft · SingleFamily public records · 11 Days on market

Built 1981 1.00 ac lot Est $359k · 23% under

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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 +10.7/30.0
• Appreciation +5.0/10.0
• Schools +4.0/10.0
• 1% rule +3.6/10.0
• Livability +3.4/5.0
• DSCR +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

LOCATION! LOCATION! LOCATION! Minutes from Crossing and Stroudsburg. 3 bed, 2 bath ranch with 2 CARS GARAGE, FULL BASEMENT on ACRE of land in GREAT AREA. PERFECT location for COMMUTERS. Close to Rt 80, shopping, Mt. Airy Casino, minutes away from water parks: Kalahari Resort, Camelbeach, Aquatopia, Camelback Skiing resort, state parks, water sports, hiking, fishing, hunting and some much more. This is an estate sale, sold as is.

Key facts

• Acre of land
• Close to rt 80
• Full basement

Tags

• FULL BASEMENT
• ACRE OF LAND
• CLOSE TO RT 80
• CLOSE TO SHOPPING
• CLOSE TO MT AIRY CASINO
• MINUTES AWAY FROM WATER PARKS

Property features AI

Finance

• Other: Lot size: 1.0 acre; Above-grade finished area reported

Exterior

• Parking: Attached garage; 2-car garage; Driveway
• Utilities: Well water; Septic tank
• Home design: One-story house; Brick and vinyl siding exterior; Asphalt/fiberglass roof
• Construction: Built with brick and vinyl siding
• Exterior features: Deck; Patio; Shed; Additional shed(s)

Interior

• Kitchen: No specific appliances listed
• Bedrooms: Total rooms: 7
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Ceiling fans
• Interior features: Dining area; Separate/formal dining room; Full basement with sump pump
• Laundry & utility: Washer hookup; Dryer hookup; Water heater (other)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $-130 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $252k (8.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $238k (13.5% below list).
• Recommended offer: $238k (13.5% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 4.0% in Penn Estates — 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 68/100 on livability (#915 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: health & safety D, schools D-, amenities 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: 94 active listings in the ZIP; 278 units permitted in Monroe County in 2024 (52 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($2k loan paydown + $-47 appreciation (-0.0% local appreciation)).
• Monroe County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 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 $148k; list at $275k implies a 85% gain — meaningful room to come down on a strong offer.

Recommended offer $237,864 (13.5% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-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: 0.86% ✗
• Cap rate: 5.73%
• Cash-on-cash: -2.03%
• DSCR: 0.91
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $358,560
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
143 Twin Oak Ter	0.08mi	3/1.5	1,888 (+14%)	20mo	$210,000	$111	55
3099 Route 715	0.55mi	3/2.0	1,456 (-12%)	1mo	$320,000	$220	53
1108 Sylvan Ln	0.62mi	3/2.0	1,586 (-4%)	21mo	$343,000	$216	47

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

Projected returns pro-forma

-0.02% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.6%
• Equity multiple: 0.79×
• Total profit: $-16,444
• Equity at exit: $79,615

10-year hold

• IRR: 1.4%
• Equity multiple: 1.15×
• Total profit: $11,262
• Equity at exit: $95,513

Cash invested: $77,000 (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 18372

• Home prices YoY: -0.0%
• Active inventory: 94
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $2,379 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$452 /mo · $5,429/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$500
• Net cashflow: $-130

Break-even live

Break-even rent $2,543

Max offer price $252,034

Occupancy floor —

Sensitivity live

Price	-10% $26	-5% $-52	+0% $-130	+5% $-208	+10% $-286
Rent	-10% $-318	-5% $-224	+0% $-130	+5% $-36	+10% $58
Rate	-1.0pp $8	-0.5pp $-60	base $-130	+0.5pp $-201	+1.0pp $-274

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-10
   status $275,000 Pending 11 DOM
2. 2026-06-09
   days on market $275,000 Active 11 DOM
3. 2026-06-08
   days on market $275,000 Active 10 DOM
4. 2026-06-07
   days on market $275,000 Active 9 DOM
5. 2026-06-02
   days on market $275,000 Active 4 DOM
6. 2026-06-01
   days on market $275,000 Active 3 DOM
7. 2026-05-31
   days on market $275,000 Active 2 DOM
8. 2026-05-29
   listed $275,000 Active 432-char remark

   Show marketing remark (432 chars)

   LOCATION! LOCATION! LOCATION! Minutes from Crossing and Stroudsburg. 3 bed, 2 bath ranch with 2 CARS GARAGE, FULL BASEMENT on ACRE of land in GREAT AREA. PERFECT location for COMMUTERS. Close to Rt 80, shopping, Mt. Airy Casino, minutes away from water parks: Kalahari Resort, Camelbeach, Aquatopia, Camelback Skiing resort, state parks, water sports, hiking, fishing, hunting and some much more. This is an estate sale, sold as is.

9. 2026-05-28
   listed $275,000 Active
10. 2003-12-29
    soldstatus $148,400
11. 1980-11-14
    soldstatus $15,000

ⓘ 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: $5,429 · $452/mo
• Projected year-2 tax: $5,429 · $452/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 4/10 Moderate
• 🌡 Heat 2/10 Low 6 d/yr ≥95°F today · 13 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: $28,544
• − Mortgage interest: −$15,404
• − Property taxes: −$5,429
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,283
• − Management: −$2,283
• − Depreciation: −$8,000
• Taxable loss: −$6,232
• Est. tax savings @ 24.0%: +$1,496
• After-tax cash flow: $-64/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 — Penn Estates

• Score: 68/100
• State rank: #915
• US rank: #9917

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

• Population (ZIP): 3,397

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: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 60% Black 11% Hispanic / Latino 10% Two or more races 8% Asian 5%
• Hispanic origin (detail): Puerto Rican 9%
• Common ancestry: Romanian 7% Russian 3% Slovak 2%
• Foreign-born: 9% · Canada
• Languages at home: 78% English-only · Other Indo-European 12% Chinese 7% Spanish 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: ▬ -0.02%
• Current HPI: 147.7957
• 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

+1733.3% since first listed

4 events — show timeline

• 2026-05-29 Listed $275,000 PMAR
• 2026-05-28 Listed $275,000 GLVRMLS
• 2003-12-29 Sold (Public Records) $148,400 Public Records
• 1980-11-14 Sold (Public Records) $15,000 Public Records

Property tax history

+1.4%/yr

Latest (2026): $5,429 · +2.1% YoY. Source: county tax records.