$1,500 down and 12 payments of $625 buys this wooded 0.39-acre lot inside the gates of Pocono Springs Estates in Newfoundland, PA. It’s 0% interest with no credit check. Owners get the community’s private lake, pool, tennis courts and playground, and the community sits around 2,070 feet up in the Northern Poconos. What you should know up front: there’s no public water or sewer here. Any structure will need a private well and septic system. A perc test hasn’t been done on this lot yet. The Lehigh Township Sewage Enforcement Officer runs it, and approval isn’t guaranteed, so get that answered before you buy. Pocono Springs also charges yearly association dues that continue as long as you own the lot. Call the Civic Association at (570) 676-9259 for the current amount and building rules. What’s nearby (straight-line distances): Gouldsboro State Park, about 4.7 miles. Lake, beach, boat launch and hiking trails. Dutch’s Market in Greentown, about 5.5 miles. Groceries, beer, wine and firewood. Weis Markets in Hamlin, about 8 miles. A full supermarket with a pharmacy. Promised Land State Park, about 10 miles. Camping, two lakes and miles of trails. Regional Hospital of Scranton emergency room, about 16 miles. New York City is roughly 81 miles away as the crow flies, which puts it within weekend reach. A few specifics: 16,988 square feet, APN 14-0-0001-0038, Lehigh Township, Wayne County Overhead power lines run along the community roads First Street rates flood and fire risk at 1 out of 10 Gated entry and community mailboxes $7,500 cash, or $9,000 with owner financing: $1,500 down, then $625 a month for 12 months, 0% interest, no credit check.