315 E Essex Ave · Upper Darby, PA 19050

$210,000

3 bd · 2.0 ba · 1,440 sqft · Townhouse public records · 293 Days on market

Built 1940 2,178 sqft lot $146/sqft · 11% below area Est $237k · 11% under

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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).

• ARV discount +12.6/15.0
• Cash flow +10.0/30.0
• Rent growth +4.7/5.0
• 1% rule +3.8/10.0
• DSCR +2.9/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

Key facts

• 2,178 sq ft lot
• Garage
• Built 1940

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $210k.

Deal economics

• At list price, monthly cash flow is $-127 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (10.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (11.9% below list).
• Recommended offer: $185k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Upper Darby SD (suburban): math 18% / reading 36% proficiency, ranked #453 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+8.9%/yr); 94 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 36% of the median local income ($61k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 293 days — a 12% lower offer ($185k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask is 8% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $135k; list at $210k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — 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 $184,800 (12.0% 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. It's been on market 293 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.88% ✗
• Cap rate: 5.57%
• Cash-on-cash: -2.58%
• DSCR: 0.89
• GRM: 9.5

CMA / ARV

• ARV (median comp): $236,730
• List price: $210,000
• Delta: -11.29%
• 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
295 Braddock Ave	0.43mi	3/1.5	1,418 (-2%)	2mo	$280,000	$197	74
40 Lamport Rd	0.34mi	3/2.0	1,327 (-8%)	0mo	$174,000	$131	71
232 Le Carra Dr	0.19mi	3/1.5	1,278 (-11%)	0mo	$231,000	$181	70
205 Wembly Rd	0.69mi	3/1.0	1,415 (-2%)	0mo	$197,000	$139	61
25 Madison Ave	0.57mi	3/1.5	1,535 (+7%)	1mo	$285,000	$186	60
432 Grace Rd	0.51mi	4/2.0 (+1)	1,545 (+7%)	1mo	$235,000	$152	58
105 Nyack Ave	0.57mi	3/1.5	1,322 (-8%)	0mo	$245,000	$185	58
200 Wembly Rd	0.67mi	3/2.5	1,524 (+6%)	0mo	$165,000	$108	57
22 Lexington Ave	0.40mi	4/1.0 (+1)	1,308 (-9%)	1mo	$280,000	$214	56
212 Huntley Rd	0.74mi	3/1.5	1,370 (-5%)	1mo	$210,000	$153	55
309 Sanford Rd	0.73mi	3/1.0	1,348 (-6%)	1mo	$170,000	$126	51
6866 Clover Ln	0.67mi	3/2.0	1,278 (-11%)	1mo	$240,000	$188	49

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: -14.6%
• Equity multiple: 0.45×
• Total profit: $-32,193
• Equity at exit: $31,312

10-year hold

• IRR: 1.3%
• Equity multiple: 1.11×
• Total profit: $6,570
• Equity at exit: $18,157

Cash invested: $58,800 (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 19050

• Rents YoY: 8.9%
• Active inventory: 94
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,851 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$400 /mo · $4,801/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$389
• Net cashflow: $-127

Break-even live

Break-even rent $2,011

Max offer price $187,647

Occupancy floor —

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7147 Radbourne Rd Upper Darby, PA	3.0	1.0	1096	$1,850	$1.69	12d	1	0.04mi
110 N Union Ave Lansdowne, PA	4.0	1.5	1678	$2,345	$1.40	20d	1	0.10mi
124 Lexington Ave Unit 2 Lansdowne, PA	2.0	1.0	1000	$1,500	$1.50	2d	1	0.23mi
292 N Wycombe Ave Lansdowne, PA	2.0	1.0	1162	$1,600	$1.38	43d	1	0.32mi
7216 Clinton Rd Upper Darby, PA	3.0	1.0	1170	$1,815	$1.55	1d	1	0.35mi
31 Lamport Rd Upper Darby, PA	3.0	1.0	1244	$1,800	$1.45	5d	1	0.36mi
702 Copley Rd Upper Darby, PA	3.0	1.0	1044	$1,750	$1.68	24d	1	0.39mi
293 Wabash Ave Lansdowne, PA	3.0	1.0	1377	$1,900	$1.38	18d	1	0.39mi
7139 Greenwood Ave Upper Darby, PA	3.0	1.0	1064	$1,600	$1.50	24d	1	0.44mi
7050 Clinton Rd Upper Darby, PA	2.0	1.0	977	$1,550	$1.59	43d	1	0.46mi
317 Barker Ave Lansdowne, PA	3.0	2.0	1596	$2,700	$1.69	23d	1	0.46mi
7116 Seaford Rd Upper Darby, PA	2.0	1.0	996	$1,600	$1.61	43d	1	0.47mi
7111 Greenwood Ave Upper Darby, PA	3.0	1.5	1064	$1,800	$1.69	43d	1	0.49mi
7026 Clinton Rd Upper Darby, PA	2.0	1.5	902	$1,650	$1.83	43d	1	0.49mi
430 Glendale Rd Upper Darby, PA	3.0	1.0	1090	$1,650	$1.51	21d	1	0.56mi
6965 Clinton Rd Upper Darby, PA	2.0	1.0	986	$1,675	$1.70	43d	1	0.57mi
35 Elberon Ave Unit 2 Lansdowne, PA	2.0	1.0	900	$1,695	$1.88	24d	1	0.59mi
5 W Plumstead Ave Unit 1 Lansdowne, PA	2.0	1.0	1100	$1,550	$1.41	24d	1	0.62mi
6927 Guilford Rd Upper Darby, PA	2.0	1.0	1182	$1,495	$1.26	2d	1	0.64mi
228 Bayard Rd Upper Darby, PA	3.0	2.5	1600	$2,095	$1.31	5d	1	0.70mi
6839 Radbourne Rd Upper Darby, PA	3.0	1.5	1242	$1,750	$1.41	24d	1	0.71mi
624 Briarcliff Rd Upper Darby, PA	3.0	1.0	1307	$1,700	$1.30	43d	1	0.74mi
624 Briarcliff Rd Unit MAIN UNIT Upper Darby Township, PA	3.0	1.0	1307	$1,700	$1.30	24d	1	0.74mi
101 W Baltimore Ave Unit H4 Lansdowne, PA	2.0	1.0	925	$1,449	$1.57	21d	1	0.80mi
101 W Baltimore Ave Unit B04 Lansdowne, PA	2.0	1.0	925	$1,469	$1.59	24d	1	0.80mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	18d	1	0.84mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	12d	1	0.89mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	17d	1	0.89mi
217 Sansom St Upper Darby, PA	2.0	1.0	1342	$1,000	$0.75	24d	1	0.99mi
130 Garrett Rd Upper Darby, PA	2.0	1.0	675	$999	$1.48	5d	2	1.03mi
177 Wellington Rd Upper Darby, PA	3.0	2.0	1236	$2,000	$1.62	24d	1	1.11mi
826 Guenther Ave Lansdowne, PA	2.0	1.0–2.0	800	$1,699	$2.12	24d	1	1.19mi
7100 W Chester Pike Upper Darby Township, PA	1.0–2.0	1.0	770	$1,315	$1.71	24d	5	1.20mi
55 N Keystone Ave Upper Darby, PA	3.0	1.0	1258	$1,700	$1.35	43d	1	1.29mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	43d	1	1.29mi
1200 Angora Dr Lansdowne, PA	3.0	1.0	1530	$2,300	$1.50	5d	1	1.30mi
233 S State Rd Unit 2ND Upper Darby Township, PA	3.0	2.0	950	$2,000	$2.11	43d	1	1.31mi
44 Sunshine Rd Upper Darby, PA	4.0	1.0	1481	$1,795	$1.21	21d	1	1.38mi
51 N State Rd Upper Darby, PA	3.0	1.0	1244	$1,595	$1.28	43d	1	1.38mi
10 Oakley Rd Upper Darby, PA	3.0	1.0	1476	$1,895	$1.28	24d	1	1.46mi

Listing history 24 events

1. 2026-06-18
   days on market $210,000 Active 293 DOM
2. 2026-06-17
   days on market $210,000 Active 292 DOM
3. 2026-06-16
   days on market $210,000 Active 291 DOM
4. 2026-06-15
   days on market $210,000 Active 290 DOM
5. 2026-06-13
   days on market $210,000 Active 288 DOM
6. 2026-06-13
   days on market $210,000 Active 287 DOM
7. 2026-06-09
   days on market $210,000 Active 284 DOM
8. 2026-06-08
   days on market $210,000 Active 283 DOM
9. 2026-06-07
   days on market $210,000 Active 282 DOM
10. 2026-06-04
    days on market $210,000 Active 279 DOM
11. 2026-06-03
    days on market $210,000 Active 278 DOM
12. 2026-06-02
    days on market $210,000 Active 277 DOM
13. 2026-06-01
    days on market $210,000 Active 276 DOM
14. 2026-05-31
    days on market $210,000 Active 275 DOM
15. 2026-03-17
    status Active 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

16. 2026-03-05
    historical 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

17. 2025-10-11
    price $210,000 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

18. 2025-10-11
    status Active 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

19. 2025-06-24
    status Pending 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

20. 2025-06-17
    status Active 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

21. 2024-10-24
    status Pending 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

22. 2024-09-05
    listed $195,000 Active 298-char remark

    Show marketing remark (298 chars)

    Attention Investors!!! This is an approved short sale at the listed price. The sale will be subject to final bank approval. Both units are occupied by tenants who are paying on time consistently. Please present offers with proof of funds and/or approval for private financing, or a hard money loan.

23. 2006-06-21
    soldstatus $135,000
24. 1987-01-09
    soldstatus $55,000

ⓘ 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: $4,801 · $400/mo
• Projected year-2 tax: $4,801 · $400/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 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 4/10 Moderate 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,213
• − Mortgage interest: −$11,763
• − Property taxes: −$4,801
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,777
• − Management: −$1,777
• − Depreciation: −$6,109
• Taxable loss: −$5,065
• Est. tax savings @ 24.0%: +$1,216
• After-tax cash flow: $-303/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: Upper Darby SD
• NCES district ID: 4224320
• Math proficiency: 18% ▼ -8.00%
• Reading proficiency: 36% ▼ -10.00%
• Median HH income: $50,341
• Composite: 23.68/100
• National rank: #7837
• State rank: #453 of 539 in PA

Livability — Upper Darby

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Delaware County · 399,863 people
• City population: 41,541
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 29,373
• Household income: $60,859
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1738.0

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 (67%)
• Race & ethnicity: Black 67% White 22% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Common ancestry: Swiss 4% Hispanic 3% Lithuanian 1%
• Foreign-born: 17% · Canada, United Kingdom, Vietnam
• Languages at home: 84% English-only · French/Haitian/Cajun 5% Spanish 3% Other Indo-European 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: ▼ -202.83%
• Current HPI: 287.6419
• Rent YoY: ▲ 8.87%
• 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

+281.8% since first listed

10 events — show timeline

• 2026-03-17 Relisted — BRIGHT MLS
• 2026-03-05 Listing Removed — BRIGHT MLS
• 2025-10-11 Price Changed $210,000 BRIGHT MLS
• 2025-10-11 Relisted — BRIGHT MLS
• 2025-06-24 Pending — BRIGHT MLS
• 2025-06-17 Relisted — BRIGHT MLS
• 2024-10-24 Pending — BRIGHT MLS
• 2024-09-05 Listed $195,000 BRIGHT MLS
• 2006-06-21 Sold (Public Records) $135,000 Public Records
• 1987-01-09 Sold (Public Records) $55,000 Public Records

Property tax history

+2.9%/yr

Latest (2026): $4,801 · +7.7% YoY. Source: county tax records.