1131 Thunder Dr · Mount Pocono, PA 18346

$275,000

3 bd · 1.5 ba · 1,304 sqft · SingleFamily public records · 185 Days on market

Built 1998 0.27 ac lot Est $301k · 9% under $95/mo HOA · 3% 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 +26.3/30.0
• ARV discount +11.4/15.0
• DSCR +8.9/10.0
• 1% rule +7.0/10.0
• Appreciation +5.8/10.0
• Schools +4.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Walk to the Lake, covered front porch and nice size deck off the back. Formal dining room, living room with stone gas fireplace and sliders to deck, laundry room and half bath off the kitchen and access to garage. Roof was installed 2021 warranties to be passed on to new buyer. Close to all Pocono Amenities, golf, water parks, casino and shopping!!

Key facts

• Covered front porch
• Half bath
• Formal dining room

Tags

• COVERED FRONT PORCH
• NICE SIZE DECK
• STONE FIREPLACE
• FORMAL DINING ROOM
• LAUNDRY ROOM
• HALF BATH

Property features AI

Finance

• HOA & community: Homeowners association present; Annual HOA fee of $1,145 (about $95.42/month); HOA amenities include security, clubhouse, playground, and basketball court; HOA fee includes security

Exterior

• Parking: 4 total parking spaces; 1-car attached garage; 3 open parking spaces; Driveway; garage faces front
• Security: Carbon monoxide detector(s)
• Utilities: Well water; Private sewer; 100 Amp electric service; Phone and cable available
• Home design: Single-family house; 2 stories; Residential zoning (R-3)
• Construction: Vinyl siding; Asphalt roof; Built as a house (year built not provided)
• Exterior features: Front porch; Private road frontage; Paved road; Private maintained road; Shed(s)

Interior

• Kitchen: Gas range; Refrigerator; Dishwasher; Stainless steel appliances
• Bedrooms: Total of 6 rooms (bedroom count not specified)
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Baseboard heating; Hot water heating; Propane heat; Ceiling fans (cooling), no central air
• Interior features: Ceiling fans; Gas log fireplace in the living room; Water softener (owned); Unfurnished
• Laundry & utility: Washer and dryer included; Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $275k.

Deal economics

• At list price, monthly cash flow is $714 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $275k).
• Recommended offer: $242k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.4% vs local median 5.2% 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: 57 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 46d 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 ($2k loan paydown + $4k appreciation (1.5% 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 (1.5% appreciation + 3.0% rent growth), your $77k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 185 days — a 12% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y ago; this cycle's ask has dropped $34k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $64k; list at $275k implies a 326% gain — meaningful room to come down on a strong offer.

Recommended offer $242,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 185 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.20% ✓
• Cap rate: 9.41%
• Cash-on-cash: 11.12%
• DSCR: 1.49
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $301,224
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2104 Vacation Ln	0.16mi	3/2.0	1,386 (+6%)	2mo	$320,000	$231	78
4116 Low Ridge Rd	0.22mi	3/2.5	1,348 (+3%)	3mo	$180,000	$134	78
352 Scotch Pine Dr	0.12mi	3/1.5	1,368 (+5%)	11mo	$300,000	$219	77
5200 Holiday Dr	0.27mi	3/2.0	1,176 (-10%)	1mo	$338,400	$288	68
368 Scotch Pine Dr	0.19mi	3/2.0	1,384 (+6%)	13mo	$280,000	$202	68
397 Scotch Pine Dr	0.31mi	3/1.5	1,182 (-9%)	3mo	$259,000	$219	67
250 Stillwater Dr	0.48mi	3/2.0	1,200 (-8%)	2mo	$250,500	$209	60
3311 Red Run Rd	0.24mi	3/2.0	1,400 (+7%)	18mo	$370,500	$265	60
1249 Lexington Ave	0.62mi	3/2.0	1,216 (-7%)	1mo	$289,000	$238	57
4249 Sylvan Ln	0.48mi	2/1.5 (-1)	1,224 (-6%)	7mo	$380,000	$310	56
5171 Hummingbird Dr	0.38mi	3/2.0	1,152 (-12%)	13mo	$282,500	$245	50
3239 Red Run Rd	0.52mi	3/1.0	1,144 (-12%)	19mo	$245,000	$214	37

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

Projected returns pro-forma

1.54% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.3%
• Equity multiple: 1.75×
• Total profit: $57,949
• Equity at exit: $101,638

10-year hold

• IRR: 17.3%
• Equity multiple: 3.21×
• Total profit: $170,037
• Equity at exit: $141,284

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 18346

• Home prices YoY: 0.8%
• Active inventory: 57
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $3,313 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$252 /mo · $3,023/yr
• Insurance: −$115
• HOA: −$95
• Vacancy / Maint / Mgmt: −$696
• Net cashflow: $714

Break-even live

Break-even rent $2,410

Max offer price $275,000

Occupancy floor 73%

Sensitivity live

Price	-10% $869	-5% $792	+0% $714	+5% $636	+10% $558
Rent	-10% $452	-5% $583	+0% $714	+5% $845	+10% $976
Rate	-1.0pp $852	-0.5pp $784	base $714	+0.5pp $643	+1.0pp $570

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: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1159 Thunder Dr Pocono Summit, PA	4.0	2.0	1800	$3,400	$1.89	46d	1	0.13mi
2195 N Estates Dr Pocono Summit, PA	4.0	2.0	1864	$3,100	$1.66	46d	1	0.91mi
5 Deerfield Dr Mt Pocono, PA	3.0	2.5	1686	$2,800	$1.66	46d	1	1.25mi

HOA detail

• Monthly dues: $95 · $1,140/yr
• Likely covers: watergas

Listing history 8 events

1. 2026-04-30
   status Pending
2. 2026-04-09
   price $275,000
3. 2026-04-09
   price $275
4. 2025-11-29
   price $295,000
5. 2025-10-27
   listed $309,500 Active
6. 2017-03-14
   listed $118,500
7. 2014-04-30
   soldstatus $64,500
8. 1998-05-27
   soldstatus $131,600

ⓘ 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: $3,023 · $252/mo
• Projected year-2 tax: $3,684 · $307/mo
• Expected delta: +$661/yr (+$55/mo · 21.9%)

ⓘ 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 ≥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: $39,758
• − Mortgage interest: −$15,404
• − Property taxes: −$3,023
• − Insurance: −$1,375
• − Repairs & maintenance: −$3,181
• − Management: −$3,181
• − HOA: −$1,140
• − Depreciation: −$8,000
• Taxable income: $4,455
• Est. tax owed @ 24.0%: −$1,069
• After-tax cash flow: $7,496/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): 2,316

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 0.65)
• Race & ethnicity: White 48% Black 28% Hispanic / Latino 19% Two or more races 12%
• Hispanic origin (detail): Cuban 2% Dominican 3%
• Common ancestry: Russian 8% Romanian 6% Slovak 5%
• Foreign-born: 20% · Canada
• Languages at home: 77% English-only · Spanish 19% Russian/Polish/Slavic 4%

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: ▲ 1.54%
• Current HPI: 189.8011
• 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

+109.0% since first listed

8 events — show timeline

• 2026-04-30 Pending — PMAR
• 2026-04-09 Price Changed $275,000 PMAR
• 2026-04-09 Price Changed $275 PMAR
• 2025-11-29 Price Changed $295,000 PMAR
• 2025-10-27 Listed $309,500 PMAR
• 2017-03-14 Listed $118,500 PMAR
• 2014-04-30 Sold (Public Records) $64,500 Public Records
• 1998-05-27 Sold (Public Records) $131,600 Public Records

Property tax history

-1.8%/yr

Latest (2026): $3,023 · +3.2% YoY. Source: county tax records.