519 S 4th St · Colwyn, PA 19023

$128,250

3 bd · 1.0 ba · 1,152 sqft · Townhouse public records · 71 Days on market

Built 1956 1,742 sqft lot $111/sqft · 29% below area Est $181k · 29% under

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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 +24.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.8/10.0
• 1% rule +7.1/10.0
• Rent growth +5.0/5.0
• Livability +4.2/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Opportunity awaits in this classic 2-story, 3-bedroom Airlite row home nestled in Colwyn Borough, Delaware County. Featuring a traditional layout with generous living and dining spaces, this home offers solid bones and endless potential for customization. The property includes a full, unfinished basement—ideal for storage or future finishing—along with a front patio perfect for relaxing outdoors. The kitchen provides direct access to a rear driveway, adding everyday convenience and off-street parking. With its well-proportioned rooms and desirable location, this home is a great chance to bring your vision to life and create lasting value. Property may not be cleaned out prior to settlement. Buyer to assume all contents will not be removed.

Key facts

• Parking
• Built 1956
• Listed 70 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $128k.

Deal economics

• At list price, monthly cash flow is $258 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $128k).
• Recommended offer: $121k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 83/100 on livability (#119 in PA, #943 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, cost of living A+; Watch: schools D.
• William Penn SD (suburban): math 11% / reading 28% proficiency, ranked #491 of 539 in PA (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 99 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).
• This rent runs 40% of the median local income ($46k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $886 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $36k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $11k; list at $128k implies a 1025% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,555 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
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: 1.21% ✓
• Cap rate: 8.71%
• Cash-on-cash: 8.63%
• DSCR: 1.38
• GRM: 6.9

CMA / ARV

• ARV (median comp): $180,999
• List price: $128,250
• Delta: -29.14%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
456 S 2nd St	0.09mi	3/1.0	1,072 (-7%)	2mo	$189,000	$176	83
4 S 6th St	0.54mi	3/1.5	1,210 (+5%)	2mo	$209,000	$173	63
7840 Venus Pl	0.39mi	3/1.0	1,296 (+12%)	1mo	$150,000	$116	61
714 Poplar St	0.59mi	3/1.5	1,216 (+6%)	1mo	$94,000	$77	60
104 S 3rd St	0.40mi	3/1.0	1,312 (+14%)	1mo	$150,000	$114	57
219 Laurel Rd	0.53mi	2/1.0 (-1)	1,068 (-7%)	2mo	$160,000	$150	57
231 Hamilton Ave	0.58mi	3/1.0	1,260 (+9%)	2mo	$106,000	$84	56
217 N 7th St	0.74mi	3/2.0	1,188 (+3%)	1mo	$140,000	$118	56
422 Darby Ter	0.54mi	3/1.0	1,006 (-13%)	1mo	$185,000	$184	53
224 N 2nd St	0.72mi	3/1.0	992 (-14%)	2mo	$190,000	$192	42
8210 Buist Ave	0.66mi	3/1.5	1,320 (+15%)	2mo	$305,000	$231	41
8212 Chelwynde Ave	0.71mi	3/2.0	1,320 (+15%)	1mo	$299,900	$227	38

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

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 2.7%
• Equity multiple: 1.11×
• Total profit: $3,931
• Equity at exit: $19,122

10-year hold

• IRR: 16.8%
• Equity multiple: 2.73×
• Total profit: $62,180
• Equity at exit: $11,089

Cash invested: $35,910 (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 19023

• Rents YoY: 13.1%
• Active inventory: 99
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,550 high
• Mortgage (P&I): −$673
• Tax from tax record: −$240 /mo · $2,883/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $258

Break-even live

Break-even rent $1,223

Max offer price $128,250

Occupancy floor 78%

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: $32,062
• Closing costs: $3,848
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
417 S 2nd St Darby, PA	3.0	1.0	1190	$1,020	$0.86	5d	1	0.13mi
412 S 2nd St Darby, PA	3.0	1.0	1190	$1,100	$0.92	5d	1	0.14mi
700 Pine St Unit 2F Darby, PA	2.0	1.0	1100	$1,250	$1.14	18d	1	0.35mi
601 Poplar St Sharon Hill, PA	1.0–2.0	1.0	787	$1,599	$2.03	15d	5	0.48mi
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	44d	1	0.55mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	15d	1	0.60mi
106 N 6th St Darby, PA	2.0	1.0	1200	$1,550	$1.29	44d	1	0.65mi
300 N Front St Darby, PA	2.0	1.0	850	$1,395	$1.64	44d	1	0.73mi
909 Springfield Rd Unit D Darby, PA	4.0	1.0	900	$1,600	$1.78	44d	1	0.77mi
924 Maple Ter Darby, PA	3.0	1.5	1190	$2,000	$1.68	5d	1	0.86mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	5d	1	0.88mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	11d	1	0.88mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	22d	1	1.07mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	22d	1	1.11mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	800	$1,450	$1.81	11d	1	1.12mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	1000	$1,450	$1.45	24d	1	1.12mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	24d	1	1.13mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	44d	1	1.13mi
820 Greenhill Rd Sharon Hill, PA	4.0	2.0	1184	$2,600	$2.20	5d	1	1.27mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	44d	1	1.31mi
1519 Roosevelt Dr Sharon Hill, PA	3.0	1.5	1260	$2,295	$1.82	44d	1	1.35mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	850	$1,799	$2.12	44d	1	1.38mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	1.38mi
1505 Elmwood Ave Unit 5 Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	1.39mi
1513 Elmwood Ave Unit 4 Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	1.40mi
1513 Elmwood Ave Unit 5 Folcroft, PA	3.0	1.0	850	$1,799	$2.12	44d	1	1.40mi
1511 Elmwood Ave Folcroft, PA	1.0–3.0	1.0	725	$1,649	$2.27	24d	3	1.40mi
1512 Elmwood Ave Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	1.41mi
66 Folcroft Ave Folcroft, PA	3.0	1.0	1224	$1,895	$1.55	4d	1	1.45mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	24d	1	1.48mi

Listing history 17 events

1. 2026-06-18
   days on market $128,250 Active 71 DOM
2. 2026-06-17
   days on market $128,250 Active 70 DOM
3. 2026-06-16
   days on market $128,250 Active 69 DOM
4. 2026-06-15
   days on market $128,250 Active 68 DOM
5. 2026-06-13
   days on market $128,250 Active 66 DOM
6. 2026-06-13
   days on market $128,250 Active 65 DOM
7. 2026-06-09
   days on market $128,250 Active 62 DOM
8. 2026-06-08
   days on market $128,250 Active 61 DOM
9. 2026-06-07
   days on market $128,250 Active 60 DOM
10. 2026-06-04
    days on market $128,250 Active 57 DOM
11. 2026-06-03
    days on market $128,250 Active 56 DOM
12. 2026-06-02
    days on market $128,250 Active 55 DOM
13. 2026-06-01
    days on market $128,250 Active 54 DOM
14. 2026-05-31
    days on market $128,250 Active 53 DOM
15. 2026-05-12
    price $128,250 761-char remark

    Show marketing remark (761 chars)

    Opportunity awaits in this classic 2-story, 3-bedroom Airlite row home nestled in Colwyn Borough, Delaware County. Featuring a traditional layout with generous living and dining spaces, this home offers solid bones and endless potential for customization. The property includes a full, unfinished basement—ideal for storage or future finishing—along with a front patio perfect for relaxing outdoors. The kitchen provides direct access to a rear driveway, adding everyday convenience and off-street parking. With its well-proportioned rooms and desirable location, this home is a great chance to bring your vision to life and create lasting value. Property may not be cleaned out prior to settlement. Buyer to assume all contents will not be removed.

16. 2026-04-08
    listed $135,000 Active 761-char remark

    Show marketing remark (761 chars)

    Opportunity awaits in this classic 2-story, 3-bedroom Airlite row home nestled in Colwyn Borough, Delaware County. Featuring a traditional layout with generous living and dining spaces, this home offers solid bones and endless potential for customization. The property includes a full, unfinished basement—ideal for storage or future finishing—along with a front patio perfect for relaxing outdoors. The kitchen provides direct access to a rear driveway, adding everyday convenience and off-street parking. With its well-proportioned rooms and desirable location, this home is a great chance to bring your vision to life and create lasting value. Property may not be cleaned out prior to settlement. Buyer to assume all contents will not be removed.

17. 1981-04-01
    soldstatus $11,400

ⓘ 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: $2,883 · $240/mo
• Projected year-2 tax: $2,883 · $240/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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,600
• − Mortgage interest: −$7,184
• − Property taxes: −$2,883
• − Insurance: −$641
• − Repairs & maintenance: −$1,488
• − Management: −$1,488
• − Depreciation: −$3,731
• Taxable income: $1,185
• Est. tax owed @ 24.0%: −$284
• After-tax cash flow: $2,815/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: William Penn SD
• NCES district ID: 4226390
• Math proficiency: 11% ▼ -3.00%
• Reading proficiency: 28% ▼ -7.00%
• Median HH income: $48,543
• Composite: 17.29/100
• National rank: #9086
• State rank: #491 of 539 in PA

Livability — Colwyn

• Score: 83/100
• State rank: #119
• US rank: #943

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Colwyn, PA
• County: Delaware County · 399,863 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 22,247
• Household income: $46,463
• Rent vs Own: 47.4% rent · 52.6% own
• Severe rent burden: 1468.0

Population outlook (Delaware County) Hauer SSP2

• Today (2025): 577,490 people
• By 2030: 581,243 · +0.6%
• By 2040: 584,700 · +1.2%
• By 2050: 586,581 · +1.6%
• By 2075: 598,706 · +3.7%
• By 2100: 590,823 · +2.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (76%)
• Race & ethnicity: Black 76% White 15% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Swiss 5% Hispanic 1% Romanian 1%
• Foreign-born: 18% · Canada
• Languages at home: 84% English-only · French/Haitian/Cajun 4% Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Delaware

• 2024 margin: Strong D (+23.7) · D 61.4% · R 37.6% · Other 1.0%
• 2008→2024 swing: +2.3pp toward D · 2008: 21.4pp · 2024: 23.7pp
• All cycles: 2024: D+23.7 2020: D+26.7 2016: D+22.0 2012: D+21.8 2008: D+21.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -190.50%
• Current HPI: 277.7034
• Rent YoY: ▲ 13.10%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• 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

+1025.0% since first listed

3 events — show timeline

• 2026-05-12 Price Changed $128,250 BRIGHT MLS
• 2026-04-08 Listed $135,000 BRIGHT MLS
• 1981-04-01 Sold (Public Records) $11,400 Public Records

Property tax history

-0.6%/yr

Latest (2026): $2,883 · +5.4% YoY. Source: county tax records.