1914 Belvedere Ave · Ardmore, PA 19083

$225,000

3 bd · 1.5 ba · 1,394 sqft · Townhouse public records · 1 Days on market

Built 1920 10,019 sqft lot Est $442k · 49% 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 +25.1/30.0
• ARV discount +15.0/15.0
• DSCR +8.2/10.0
• 1% rule +6.6/10.0
• Schools +6.2/10.0
• Livability +4.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

* * Offer deadline 6/6 8pm Investor Special in Haverford School District! Built in 1920, this classic twin home is ready for its next chapter. Situated on a desirable corner deep lot, this property offers the space, character, and opportunity that today’s renovators and visionaries are searching for. Inside, you’ll find 3 bedrooms and 1.5 bathrooms, along with the original architectural charm that makes these early‑century homes so beloved. Whether you’re looking to restore its historic details, reimagine the layout, or create your own dream home from the ground up, the possibilities here are wide open. The property is ideal for investors, builders, or homeowners eager

Key facts

• Solid foundation
• Corner deep lot
• Historic details

Tags

• HAVERFORD SCHOOL DISTRICT
• CORNER DEEP LOT
• ORIGINAL ARCHITECTURAL CHARM
• HISTORIC DETAILS
• SOLID FOUNDATION

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Natural gas for heating; Electric for cooling and hot water
• Home design: Semi-detached property; Ownership is fee simple; Property condition requires major rehabilitation
• Construction: Asbestos construction materials; Permanent foundation; Estimated year built
• Exterior features: Corner lot; Other structures include above-grade and below-grade areas; Garage(s)

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom and one half bathroom
• Heating & cooling: Hot water heating; Cooling uses electric power
• Interior features: Basement with interior access, partial and unfinished

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $225k.

Deal economics

• At list price, monthly cash flow is $500 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $225k).
• Cap rate 9.0% vs local median 2.1% in Ardmore — 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 94/100 on livability (#2 in PA, #6 nationally) — a professional / high-income tenant draw. Strengths: crime A+, amenities A+, commute A+; Watch: cost of living D-.
• Haverford Township SD (suburban): math 58% / reading 78% proficiency, ranked #20 of 539 in PA (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 9% free/reduced lunch — higher-income household profile.
• Zoned schools: Lynnewood El Sch (math 57% / reading 76%, grade B+, #235 of 1,518 statewide, top 16%, 588 students, 17% FRL); Haverford Ms (math 43% / reading 76%, grade B, #46 of 512 statewide, top 9%, 1,626 students, 20% FRL); Haverford Shs (math 83% / reading 24%, grade C-, #102 of 437 statewide, top 23%, 2,005 students, 21% FRL).
• Market conditions: 107 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $225,000

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 1.16% ✓
• Cap rate: 8.96%
• Cash-on-cash: 9.52%
• DSCR: 1.42
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $441,898
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
31 W Marthart Ave	0.20mi	3/1.0	1,344 (-4%)	1mo	$450,000	$335	82
5 W Turnbull Ave	0.26mi	3/1.5	1,248 (-10%)	5mo	$489,000	$392	66
152 Woodbine Rd	0.46mi	4/1.0 (+1)	1,322 (-5%)	1mo	$435,000	$329	62
128 E Marthart Ave	0.53mi	3/1.0	1,304 (-6%)	1mo	$250,000	$192	62
26 E Turnbull Ave	0.40mi	4/1.5 (+1)	1,521 (+9%)	1mo	$420,000	$276	60
53 Waverly Rd	0.67mi	3/1.5	1,328 (-5%)	1mo	$420,000	$316	60
122 Wilson Ave	0.60mi	3/1.0	1,479 (+6%)	4mo	$317,500	$215	57
119 Wilson Ave	0.60mi	3/1.0	1,479 (+6%)	4mo	$397,500	$269	56
104 Sycamore Rd	0.58mi	3/1.0	1,260 (-10%)	0mo	$400,000	$317	54
636 Woodland Dr	0.73mi	3/1.5	1,260 (-10%)	4mo	$400,000	$317	47
52 Woodbine Rd	0.63mi	3/1.0	1,256 (-10%)	6mo	$418,000	$333	47
168 Upland Rd	0.45mi	4/2.5 (+1)	1,577 (+13%)	6mo	$510,000	$323	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.9%
• Equity multiple: 0.93×
• Total profit: $-4,588
• Equity at exit: $33,548

10-year hold

• IRR: 7.8%
• Equity multiple: 1.59×
• Total profit: $37,153
• Equity at exit: $19,454

Cash invested: $63,000 (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 19083

• Active inventory: 107
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $2,601 high
• Mortgage (P&I): −$1,180
• Tax est. 1.5%: −$281 /mo · $3,375/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$546
• Net cashflow: $500

Break-even live

Break-even rent $1,968

Max offer price $225,000

Occupancy floor 76%

Sensitivity live

Price	-10% $655	-5% $578	+0% $500	+5% $422	+10% $344
Rent	-10% $294	-5% $397	+0% $500	+5% $603	+10% $705
Rate	-1.0pp $613	-0.5pp $557	base $500	+0.5pp $441	+1.0pp $382

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20 W Marthart Ave Havertown, PA	4.0	2.5	1805	$2,800	$1.55	45d	1	0.21mi
601 Willowbrook Rd Havertown, PA	3.0	1.0	1212	$3,190	$2.63	45d	1	0.82mi
605 S Eagle Rd Havertown, PA	3.0	3.0	1124	$3,750	$3.34	0d	1	1.09mi
530 E Manoa Rd Havertown, PA	3.0	1.0	1236	$2,800	$2.27	45d	1	1.14mi
1925 Lawrence Rd Havertown, PA	1.0–2.0	1.0	840	$1,695	$2.02	4d	6	1.25mi
2804 Belmont Ave Ardmore, PA	3.0	2.0	1280	$3,000	$2.34	20d	1	1.31mi
2410 David Dr Unit 2ND FL Havertown, PA	2.0	1.0	900	$1,450	$1.61	14d	1	1.33mi
3200 Township Line Rd Drexel Hill, PA	1.0–2.0	1.0	892	$1,729	$1.94	25d	2	1.34mi
400 Glendale Rd Havertown, PA	1.0–2.0	1.0–1.5	938	$2,300	$2.45	3d	3	1.49mi
400 Glendale Rd Havertown, PA	1.0–2.0	1.0–1.5	938	$2,300	$2.45	45d	4	1.49mi

Listing history 2 events

1. 2026-06-13
   remarks 681-char remark
2. 2026-06-13
   listed $225,000 Pending 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥102°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: $31,211
• − Mortgage interest: −$12,603
• − Property taxes: −$3,375
• − Insurance: −$1,125
• − Repairs & maintenance: −$2,497
• − Management: −$2,497
• − Depreciation: −$6,545
• Taxable income: $2,568
• Est. tax owed @ 24.0%: −$616
• After-tax cash flow: $5,381/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: Haverford Township SD
• NCES district ID: 4211670
• Math proficiency: 58% ▼ -13.00%
• Reading proficiency: 78% ▼ -7.00%
• Median HH income: $93,877
• Composite: 61.83/100
• National rank: #731
• State rank: #20 of 539 in PA

Livability — Ardmore

• Score: 94/100
• State rank: #2
• US rank: #6

Category grades

Amenities A+ Commute A+ Cost of living D- Crime A+ Employment A+ Housing A+ Health & safety A User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Delaware County · 399,863 people
• City population: 14,255
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 37,590
• Household income: $124,523
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 361.0

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 White (85%)
• Race & ethnicity: White 85% Two or more races 5% Asian 5% Black 4% Hispanic / Latino 3%
• Common ancestry: Romanian 5% Italian 2% Lithuanian 2%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 90% English-only · Other Indo-European 3% Spanish 2% 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: ▼ -386.61%
• Current HPI: 329.2915
• Rent YoY: —
• 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

3 events — show timeline

• 2026-06-11 Pending — BRIGHT MLS
• 2026-06-06 Listing Removed — BRIGHT MLS
• 2026-06-05 Listed $225,000 BRIGHT MLS

Property tax history

+7.2%/yr

Latest (2026): $13,196 · +69.4% YoY. Source: county tax records.