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4121 Hemlock Trl, Pocono Pines, PA, 18350

4beds
2baths
1,775sqft
$425,000
$239price/sqft
$3,087/moest. monthly cost
$123,480/yrincome needed

About This Home

Welcome to your ideal Pocono escape in the heart of Lake Naomi -- where comfort, privacy, and year-round recreation come together seamlessly. The home offers the perfect balance of relaxed mountain charm and modern convenience, with a spacious 1775sf two story layout. Step inside to an inviting open-concept layout with soaring ceilings, abundant natural light, and a spacious great room anchored by a cozy fireplace -- perfect for gathering after a day on the lake or the slopes. The well-appointed kitchen flows easily into the dining and living areas, creating an ideal space for hosting family and friends. Enjoy outdoor living at its best with a generous deck overlooking a peaceful wooded setting, offering privacy and a true escape from city life. Whether you're sipping morning coffee, entertaining in the summer, or enjoying crisp fall evenings, this home delivers the lifestyle Lake Naomi is known for. Lower level features a game room with fireplace and laundry room. Located within one of the Poconos' most sought-after communities, Lake Naomi, ownership offers access to world class premier amenities including lakes, beaches, pools, tennis, golf, clubhouse dining, and year-round activities. Just a short drive from major metro areas, this is an easy, stress-free retreat that feels worlds away. Offered fully furnished if desired, this is a move-in ready opportunity to start enjoying the Lake Naomi lifestyle immediately. Community and township are STR friendly. Vacation on your own terms and rent when not using if you desire. Buyer to verify with community details for all access community membership.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
11
BikeSomewhat Bikeable

Schools

7/10
Tobyhanna El CenterGrades K-62.2 mi

Construction

Condition

  • Year built: 1980

Type & Style

  • Home type: SingleFamily
  • Architectural style: Chalet
  • Property subType: Single Family Residence

Interior

Bathroom2

  • Level: Upper
  • Area: 32.68
  • Dimensions: 4.3 x 7.6

Bedroom2

  • Level: Upper
  • Area: 110.16
  • Dimensions: 10.8 x 10.2

Bedroom3

  • Level: Lower
  • Area: 126.54
  • Dimensions: 11.4 x 11.1

Bedroom4

  • Level: Lower
  • Area: 154.58
  • Dimensions: 13.1 x 11.8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Upper

Family Room

  • Level: Upper
  • Area: 451.92
  • Dimensions: 16.8 x 26.9

Features

  • Breakfast Bar
  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,775

Interior Area

  • Total structure area: 1,775
  • Total interior livable area: 1,775 sqft

Kitchen

  • Level: Upper
  • Area: 95.88
  • Dimensions: 9.4 x 10.2

Laundry

  • Level: Lower

Living Room

  • Level: Lower
  • Area: 408.94
  • Dimensions: 16.1 x 25.4

Master Bathroom

  • Level: Lower
  • Area: 38.71
  • Dimensions: 4.9 x 7.9

Master Bedroom

  • Level: Upper
  • Area: 151.8
  • Dimensions: 13.2 x 11.5

Property

Details

  • Parcel number: 19.5G.1.77
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 0.44 Acres

Parking

  • Total spaces: 4
  • Parking features: Open
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,149$25,788
Home Insurance *$141$1,692
Property Taxes $573$6,876
Electricity $224$2,692
Total$3,087$37,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,840/yr
40% on housing$92,610/yr
45% on housing$82,320/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 18350$248
Monroe County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 18350$284
Monroe County$178

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-09Price change$440,000
2026-04-04Price change$450,000
2026-03-05Listed for sale$460,000
2022-02-02Sold$365,000
2021-12-03Listed for sale$389,900
2021-11-26Listing removed--
2021-10-22Listed for sale$389,900
2021-07-19Sold$168,000

For Sale by Agent

AgentJonathan Dempsey
BrokerageHomeSmart Realty Advisors

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