13 Waterville Rd · Chester, PA 19086

$10,000

3 bd · 2.0 ba · 1,353 sqft · SingleFamily public records · 14 Days on market

Built 1954 $7/sqft · 97% below area

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Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• Schools +6.4/10.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

Key facts

• Close to schools
• Back yard
• Deck

Tags

• LARGE PICTURE WINDOWS
• BACK YARD
• DECK
• GALLEY STYLE KITCHEN
• CLOSE TO SCHOOLS
• PUBLIC TRANS

🏷️ Possibly a rental listed for sale. The $10,000 price doesn't fit this home's estimated sale value (~$325,789) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $10k.

Deal economics

• At list price, monthly cash flow is $1k ($15k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $10k).
• Cap rate 161.1% vs local median 7.5% in Chester — 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 73/100 on livability (#540 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, crime F, employment F.
• Wallingford-Swarthmore SD (suburban): math 63% / reading 77% proficiency, ranked #16 of 539 in PA (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 9% free/reduced lunch — higher-income household profile.
• Market conditions: 46 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $69 of loan paydown is wiped out by about $300 of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $3k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 22y ago; this cycle's ask has dropped $170k (94%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $10,000

Questions for the listing agent

1. Built in 1954 — 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 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?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 17.20% ✓
• Cap rate: 161.09%
• Cash-on-cash: 552.86%
• DSCR: 25.60
• GRM: 0.5

CMA / ARV

• ARV (median comp): $325,789
• List price: $10,000
• Delta: -96.93%
• 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
701 Cambridge Rd	0.58mi	3/1.5	1,340 (-1%)	4mo	$395,000	$295	66
100 E Roland Rd	0.54mi	3/2.5	1,310 (-3%)	5mo	$260,250	$199	63
4105 Mount Vernon Ave	0.73mi	3/2.0	1,360 (+0%)	4mo	$410,000	$301	62
512 Media Pkwy	0.41mi	3/2.0	1,195 (-12%)	2mo	$448,000	$375	60
214 Pine Rd	0.33mi	4/1.5 (+1)	1,524 (+13%)	1mo	$280,000	$184	56
713 Scott Ln	0.48mi	3/1.5	1,511 (+12%)	4mo	$474,900	$314	53
516 Media Pkwy	0.43mi	4/2.0 (+1)	1,195 (-12%)	7mo	$325,000	$272	50
716 Cambridge Rd	0.63mi	4/2.0 (+1)	1,474 (+9%)	2mo	$435,000	$295	49
619 W Brookhaven Rd	0.62mi	3/2.0	1,495 (+10%)	6mo	$435,000	$291	48
129 E Maple Ave	0.62mi	3/1.0	1,200 (-11%)	2mo	$345,000	$288	47
2901 Arlington Ave	0.74mi	3/1.0	1,206 (-11%)	4mo	$316,500	$262	41
101 Trimble Blvd	0.72mi	4/1.0 (+1)	1,216 (-10%)	1mo	$339,000	$279	40

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: —
• Equity multiple: 29.77×
• Total profit: $80,567
• Equity at exit: $1,491

10-year hold

• IRR: —
• Equity multiple: 63.88×
• Total profit: $176,057
• Equity at exit: $865

Cash invested: $2,800 (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 19086

• Active inventory: 46
• Price-to-rent: 0.5×

Monthly cashflow live

• Estimated rent: $1,720 high
• Mortgage (P&I): −$52
• Tax est. 1.5%: −$12 /mo · $150/yr
• Insurance: −$4
• HOA: −$0
• Vacancy / Maint / Mgmt: −$361
• Net cashflow: $1,290

Break-even live

Break-even rent $87

Max offer price $10,000

Occupancy floor 20%

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: $2,500
• Closing costs: $300
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
407 Beech Rd Apt B Wallingford, PA	2.0	1.0	998	$1,600	$1.60	44d	1	0.17mi
89 Park Valley Ln Brookhaven, PA	2.0	1.5	984	$1,705	$1.73	44d	1	0.25mi
739 Pennsylvania Ave Wallingford, PA	3.0	1.0	1026	$2,100	$2.05	8d	1	0.28mi
51 Park Valley Ln Brookhaven, PA	2.0	1.5	990	$1,795	$1.81	18d	1	0.32mi
768 Putnam Blvd Unit A Wallingford, PA	2.0	1.0	889	$1,595	$1.79	24d	1	0.33mi
732 Putnam Blvd Wallingford, PA	2.0	1.0	889	$1,700	$1.91	5d	1	0.38mi
30 W Roland Rd Brookhaven, PA	3.0	1.0	1424	$1,695	$1.19	44d	1	0.73mi
2701 Madison St Chester, PA	1.0–2.0	1.0	860	$1,533	$1.78	2d	10	0.76mi
25 W Parkway Ave Chester, PA	3.0	1.0	1324	$1,600	$1.21	5d	1	0.80mi
314 E 24th St Chester, PA	2.0	1.0–1.5	800	$1,500	$1.88	4d	13	0.84mi
206 W Parkway Ave Chester, PA	2.0	1.0	1666	$1,450	$0.87	24d	1	0.94mi
13 E 21st St Unit A Chester, PA	2.0	1.0	900	$1,250	$1.39	44d	1	1.05mi
125 W 21st St Chester, PA	4.0	1.5	1152	$1,850	$1.61	24d	1	1.08mi
330 W 21st St Chester, PA	3.0	1.0	1152	$1,500	$1.30	44d	1	1.20mi
2015 Hyatt St Chester, PA	3.0	1.0	988	$1,950	$1.97	11d	1	1.21mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–2.0	775	$1,695	$2.19	5d	4	1.27mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–1.5	775	$1,800	$2.32	24d	2	1.27mi
726 E 18th St Chester, PA	3.0	1.5	1584	$2,200	$1.39	15d	1	1.32mi
800 Avondale Rd Unit I2-O Wallingford, PA	2.0	2.0	1848	$2,200	$1.19	15d	1	1.34mi

Listing history 18 events

1. 2026-05-12
   listed $10,000 Active 414-char remark
2. 2015-01-21
   soldstatus $162,500
3. 2015-01-16
   soldstatus $162,500 396-char remark

   Show marketing remark (394 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

4. 2015-01-16
   soldstatus $162,500 Sold

   Show marketing remark (394 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

5. 2014-12-19
   status Under Contract

   Show marketing remark (394 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

6. 2014-12-15
   historical 396-char remark

   Show marketing remark (396 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

7. 2014-09-15
   historical
8. 2014-09-12
   listed $179,900 396-char remark

   Show marketing remark (394 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

9. 2014-09-12
   listed $179,900 Active

   Show marketing remark (394 chars)

   Rustic, yet bright & charming Cape Cod in "Pocono" setting. 3 Bedrooms, 2.5 Baths. First floor has several large picture windows, deck off Family Room. Enjoy the tranquil setting from the back yard and deck as well. Large Living Room and Family Room, galley style Kitchen. One of a kind "mountain" home. Close to schools, public trans, major highways and great shopping.

10. 2014-04-22
    listed $199,000
11. 2005-06-06
    soldstatus $254,500
12. 2005-06-06
    soldstatus $254,500
13. 2005-05-20
    soldstatus $254,500
14. 2005-04-03
    historical
15. 2005-01-05
    historical
16. 2005-01-04
    listed $254,500
17. 2004-09-01
    listed $279,500
18. 1991-08-08
    soldstatus $117,000

ⓘ 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 ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,645
• − Mortgage interest: −$560
• − Property taxes: −$150
• − Insurance: −$50
• − Repairs & maintenance: −$1,652
• − Management: −$1,652
• − Depreciation: −$291
• Taxable income: $16,291
• Est. tax owed @ 24.0%: −$3,910
• After-tax cash flow: $11,570/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: Wallingford-Swarthmore SD
• NCES district ID: 4224790
• Math proficiency: 63% ▼ -5.00%
• Reading proficiency: 77% ▼ -8.00%
• Median HH income: $102,419
• Composite: 64.32/100
• National rank: #555
• State rank: #16 of 539 in PA

Livability — Chester

• Score: 73/100
• State rank: #540
• US rank: #5053

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 35,064
• Population (ZIP): 12,835

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 (76%)
• Race & ethnicity: White 76% Asian 11% Two or more races 7% Black 4% Hispanic / Latino 4%
• Common ancestry: Romanian 5% Italian 3% Slovak 2%
• Foreign-born: 11% · China, Canada, South Korea
• Languages at home: 86% English-only · Chinese 5% Other Asian/Pacific 2% Spanish 2%

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: ▼ -209.84%
• Current HPI: 340.2613
• 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

+38.9% since first listed

17 events — show timeline

• 2015-01-21 Sold (Public Records) $162,500 Public Records
• 2015-01-16 Sold (MLS) $162,500 TREND
• 2015-01-16 Sold (MLS) $162,500 BRIGHT MLS
• 2014-12-19 Pending — TREND
• 2014-12-15 Listing Removed — BRIGHT MLS
• 2014-09-15 Listing Removed — BRIGHT MLS
• 2014-09-12 Listed $179,900 TREND
• 2014-09-12 Listed $179,900 BRIGHT MLS
• 2014-04-22 Listed $199,000 BRIGHT MLS
• 2005-06-06 Sold (Public Records) $254,500 Public Records
• 2005-06-06 Sold (Public Records) $254,500 Public Records
• 2005-05-20 Sold (MLS) $254,500 BRIGHT MLS
• 2005-04-03 Listing Removed — BRIGHT MLS
• 2005-01-05 Listing Removed — BRIGHT MLS
• 2005-01-04 Listed $254,500 BRIGHT MLS
• 2004-09-01 Listed $279,500 BRIGHT MLS
• 1991-08-08 Sold (Public Records) $117,000 Public Records

Property tax history

+6.1%/yr

Latest (2026): $16,527 · +90.4% YoY. Source: county tax records.