1315 Parker St · Chester, PA 19013

$105,000

3 bd · 1.0 ba · 1,312 sqft · SingleFamily public records · 14 Days on market

Built 1943 3,223 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +4.2/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful brick end of row townhome. Front, side and rear yard. Lg. lr, dr, modern kitchen, possible 4th bedroom or rec room on main level. Finished basement, powder room, Enclosed back porch outside of basement. Close to schools, shopping and public transportation. Well kept home with rear driveway and on street parking. Easy to show. Sidewalks, street lights, cable TW Wired.

Key facts

• 3,223 sq ft lot
• Built 1943
• Listed 14 days

Property features AI

Exterior

• Home design: House
• Exterior features: Lot is 3,223 sq ft

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $-52 ($-621/yr) — negative.
• To cash-flow at today's rent, offer at most $96k (8.7% below list).
• Meets the 1% rule at list price ($2k rent vs $105k).
• Recommended offer: $96k (8.7% below list) — sets the bar for cash-flow.
• Cap rate 11.0% 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.
• Chester-Upland SD (suburban): math 4% / reading 17% proficiency, ranked #533 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.9%/yr); 138 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); lower-income renter base — watch delinquency; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).
• At $1,688/mo this rent would consume 49% of the median local household income ($41k/yr) (locally 2668% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $726 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 34y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: property tax is 3.8% of price; flood insurance adds $460/mo; built in 1943 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $95,863 (8.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.61% ✓
• Cap rate: 10.96%
• Cash-on-cash: 16.68%
• DSCR: 1.74
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $291,264
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1201 Main St	0.72mi	3/2.0	1,265 (-4%)	1mo	$315,000	$249	55
410 10th St	0.53mi	4/1.5 (+1)	1,381 (+5%)	12mo	$293,300	$212	49
301 W 22nd St	0.49mi	3/1.0	1,224 (-7%)	22mo	$127,500	$104	48
1128 Concord Ave	0.35mi	3/1.0	1,150 (-12%)	22mo	$130,000	$113	44
203 W Chelton Rd	0.74mi	3/1.5	1,150 (-12%)	7mo	$316,500	$275	37
510 Patton Ave	0.72mi	3/1.5	1,492 (+14%)	8mo	$324,000	$217	35
617 Patton Ave	0.67mi	3/1.5	1,415 (+8%)	23mo	$335,000	$237	34
1001 Woodside Ave	0.50mi	2/1.0 (-1)	1,136 (-13%)	21mo	$200,000	$176	32
225 W Chelton Rd	0.70mi	4/1.5 (+1)	1,150 (-12%)	15mo	$255,000	$222	27
230 W Roland Rd	0.68mi	3/1.5	1,150 (-12%)	23mo	$315,000	$274	26

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 · 6.88% rent growth · sell at horizon

5-year hold

• IRR: -11.4%
• Equity multiple: 0.56×
• Total profit: $-13,029
• Equity at exit: $15,656

10-year hold

• IRR: 5.8%
• Equity multiple: 1.56×
• Total profit: $16,607
• Equity at exit: $9,078

Cash invested: $29,400 (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 19013

• Rents YoY: 6.9%
• Active inventory: 138
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,688 high
• Mortgage (P&I): −$551
• Tax from tax record: −$331 /mo · $3,969/yr
• Insurance: −$44
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $-52

Break-even live

Break-even rent $1,754

Max offer price $95,863

Occupancy floor 98%

Sensitivity live

Price	-10% $8	-5% $-22	+0% $-52	+5% $-81	+10% $-111
Rent	-10% $-185	-5% $-118	+0% $-52	+5% $15	+10% $82
Rate	-1.0pp $1	-0.5pp $-25	base $-52	+0.5pp $-79	+1.0pp $-107

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
330 W 21st St Chester, PA	3.0	1.0	1152	$1,500	$1.30	44d	1	0.44mi
206 W Parkway Ave Chester, PA	2.0	1.0	1666	$1,450	$0.87	24d	1	0.59mi
125 W 21st St Chester, PA	4.0	1.5	1152	$1,850	$1.61	24d	1	0.65mi
25 W Parkway Ave Chester, PA	3.0	1.0	1324	$1,600	$1.21	5d	1	0.75mi
418 Penn St Chester, PA	3.0	1.0	1250	$1,350	$1.08	44d	1	0.78mi
13 E 21st St Unit A Chester, PA	2.0	1.0	900	$1,250	$1.39	44d	1	0.79mi
30 W Roland Rd Brookhaven, PA	3.0	1.0	1424	$1,695	$1.19	44d	1	0.81mi
925 W 3rd St Chester, PA	4.0	1.0	1500	$1,700	$1.13	19d	1	0.86mi
814 Upland St Chester, PA	3.0	1.0	1344	$1,525	$1.13	8d	1	0.90mi
1016 Potter St Chester, PA	4.0	1.5	1536	$1,750	$1.14	24d	1	0.92mi
1012 Potter St Chester, PA	4.0	1.0	1536	$1,650	$1.07	44d	1	0.92mi
1224 Elson Rd Brookhaven, PA	3.0	2.0	1200	$1,900	$1.58	18d	1	0.96mi
1315 Harshaw Rd Brookhaven, PA	3.0	2.5	1260	$2,395	$1.90	1d	1	0.99mi
1127 Walnut St Chester, PA	4.0	1.5	1312	$1,600	$1.22	8d	1	1.00mi
314 E 24th St Chester, PA	2.0	1.0–1.5	800	$1,500	$1.88	5d	13	1.05mi
608 E 9th St Unit 2 Chester, PA	2.0	1.0	1776	$1,400	$0.79	44d	1	1.07mi
610 E 9th St Apt 2 Claymont, DE	3.0	1.0	1760	$1,300	$0.74	44d	1	1.07mi
2701 Madison St Chester, PA	1.0–2.0	1.0	860	$1,533	$1.78	2d	10	1.09mi
726 E 18th St Chester, PA	3.0	1.5	1584	$2,200	$1.39	15d	1	1.13mi
2104 N Williams Cir Chester, PA	4.0	1.5	1540	$1,895	$1.23	44d	1	1.15mi
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	1.21mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–1.5	775	$1,800	$2.32	24d	2	1.21mi
1211 Johnson St Chester, PA	3.0	1.0	882	$1,500	$1.70	3d	1	1.24mi
51 Park Valley Ln Brookhaven, PA	2.0	1.5	990	$1,795	$1.81	19d	1	1.26mi
1510 Washington Ave Chester, PA	4.0	1.5	1280	$2,000	$1.56	19d	1	1.29mi
89 Park Valley Ln Brookhaven, PA	2.0	1.5	984	$1,705	$1.73	44d	1	1.30mi
1118 Brown St Unit 318 Chester, PA	3.0	1.0	1092	$1,900	$1.74	15d	1	1.32mi
2106 W 4th St Unit 2 Chester, PA	2.0	1.0	1736	$1,100	$0.63	44d	1	1.33mi
1124 Thomas St Chester, PA	3.0	1.0	1046	$1,200	$1.15	24d	1	1.37mi

Listing history 11 events

1. 2026-06-18
   days on market $105,000 Active 14 DOM
2. 2026-06-17
   days on market $105,000 Active 13 DOM
3. 2026-06-16
   days on market $105,000 Active 12 DOM
4. 2026-06-15
   days on market $105,000 Active 11 DOM
5. 2026-06-13
   days on market $105,000 Active 9 DOM
6. 2026-06-13
   days on market $105,000 Active 8 DOM
7. 2026-06-09
   days on market $105,000 Active 5 DOM
8. 2026-06-08
   days on market $105,000 Active 4 DOM
9. 2026-06-07
   days on market $105,000 Active 3 DOM
10. 2026-06-04
    remarks 37-char remark
11. 2026-06-04
    listed $105,000 Active 1 DOM

ⓘ 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: $3,969 · $331/mo
• Projected year-2 tax: $3,969 · $331/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 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°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: $20,261
• − Mortgage interest: −$5,882
• − Property taxes: −$3,969
• − Insurance: −$6,050
• − Repairs & maintenance: −$1,621
• − Management: −$1,621
• − Depreciation: −$3,055
• Taxable loss: −$1,936
• Est. tax savings @ 24.0%: +$465
• After-tax cash flow: $-156/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: Chester-Upland SD
• NCES district ID: 4205860
• Math proficiency: 4% ▼ -3.00%
• Reading proficiency: 17% ▼ -6.00%
• Median HH income: $29,790
• Composite: 8.05/100
• National rank: #9918
• State rank: #533 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

• Census place: Chester, PA
• County: Delaware County · 399,863 people
• City population: 35,064
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 35,064
• Household income: $41,261
• Rent vs Own: 61.0% rent · 39.0% own
• Severe rent burden: 2668.0

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 (71%)
• Race & ethnicity: Black 71% White 14% Hispanic / Latino 9% Two or more races 4%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 6%

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: ▼ -149.69%
• Current HPI: 219.5173
• Rent YoY: ▲ 6.88%
• 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

+144.2% since first listed

20 events — show timeline

• 2026-06-04 Listed $105,000 ForSaleByOwner.com
• 2026-04-09 Pending — BRIGHT MLS
• 2026-04-09 Listing Removed — BRIGHT MLS
• 2026-03-30 Price Changed $121,900 BRIGHT MLS
• 2026-03-23 Price Changed $129,000 BRIGHT MLS
• 2026-03-23 Relisted — BRIGHT MLS
• 2026-03-15 Listing Removed — BRIGHT MLS
• 2026-03-13 Price Changed $135,000 BRIGHT MLS
• 2026-02-24 Price Changed $145,000 BRIGHT MLS
• 2026-02-23 Price Changed $151,900 BRIGHT MLS
• 2026-02-18 Price Changed $155,000 BRIGHT MLS
• 2026-01-23 Listed $159,000 BRIGHT MLS
• 2021-12-16 Sold (Public Records) $140,000 Public Records
• 2006-05-15 Sold (Public Records) $75,000 Public Records
• 2006-03-31 Sold (MLS) $74,900 BRIGHT MLS
• 2006-01-07 Listed $74,900 BRIGHT MLS
• 1992-11-19 Sold (Public Records) $43,000 Public Records
• 1992-10-30 Sold (MLS) $43,000 BRIGHT MLS
• 1992-07-24 Listing Removed — BRIGHT MLS
• 1992-07-16 Listed $43,000 BRIGHT MLS

Property tax history

+24.2%/yr

Latest (2026): $3,969 · +143.3% YoY. Source: county tax records.