902 Maple Ter · Darby, PA 19023

$124,888

3 bd · 1.5 ba · 1,234 sqft · Townhouse public records · 225 Days on market

Built 1910 1,307 sqft lot $101/sqft · 7% below area Est $134k · 7% 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 +27.2/30.0
• ARV discount +10.5/15.0
• DSCR +9.4/10.0
• 1% rule +8.6/10.0
• Rent growth +5.0/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

Key facts

• Big fenced rear yard
• Newer kitchen
• Breakfast bar

Tags

• ENCLOSED FRONT PORCH
• SPACIOUS OPEN CONCEPT
• NEWER KITCHEN
• BREAKFAST BAR
• BIG FENCED REAR YARD
• FULL UNFINISHED BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $125k.

Deal economics

• At list price, monthly cash flow is $356 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 6.3% in Darby — 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 74/100 on livability (#485 in PA, #4,468 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities D+, employment D, schools F.
• 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; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 44% 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 $863 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 $35k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 225 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y ago; this cycle's ask has dropped $25k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $15k; list at $125k implies a 727% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1910 — 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 $109,901 (12.0% below list)

Questions for the listing agent

1. It's been on market 225 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — 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. 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. 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: 1.36% ✓
• Cap rate: 9.71%
• Cash-on-cash: 12.21%
• DSCR: 1.54
• GRM: 6.1

CMA / ARV

• ARV (median comp): $133,694
• List price: $124,888
• Delta: -6.59%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
902 Maple Ter	0.00mi	3/1.0	1,234 (0%)	0mo	$114,000	$92	98
217 N 7th St	0.22mi	3/2.0	1,188 (-4%)	1mo	$140,000	$118	81
4 S 6th St	0.32mi	3/1.5	1,210 (-2%)	2mo	$209,000	$173	80
231 Hamilton Ave	0.39mi	3/1.0	1,260 (+2%)	2mo	$106,000	$84	75
1300 Wycombe Ave	0.36mi	3/1.0	1,190 (-4%)	1mo	$129,000	$108	75
123 Spring Valley Rd	0.29mi	3/1.0	1,120 (-9%)	1mo	$180,000	$161	68
1232 Edgehill Rd	0.30mi	3/1.0	1,120 (-9%)	1mo	$214,000	$191	68
1339 Park Ln	0.40mi	3/1.0	1,120 (-9%)	2mo	$230,000	$205	63
306 Berbro St	0.47mi	3/1.5	1,342 (+9%)	2mo	$165,000	$123	62
33 Mermont Cir	0.44mi	3/1.0	1,120 (-9%)	0mo	$200,000	$179	62
104 S 3rd St	0.55mi	3/1.0	1,312 (+6%)	1mo	$150,000	$114	61
219 Laurel Rd	0.57mi	2/1.0 (-1)	1,068 (-14%)	2mo	$160,000	$150	43

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: 7.9%
• Equity multiple: 1.33×
• Total profit: $11,488
• Equity at exit: $18,621

10-year hold

• IRR: 21.4%
• Equity multiple: 3.30×
• Total profit: $80,358
• Equity at exit: $10,798

Cash invested: $34,969 (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: 6.1×

Monthly cashflow live

• Estimated rent: $1,695 high
• Mortgage (P&I): −$655
• Tax from tax record: −$276 /mo · $3,310/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $356

Break-even live

Break-even rent $1,244

Max offer price $124,888

Occupancy floor 74%

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: $31,222
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
924 Maple Ter Darby, PA	3.0	1.5	1190	$2,000	$1.68	5d	1	0.04mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	5d	1	0.06mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	10d	1	0.06mi
909 Springfield Rd Unit D Darby, PA	4.0	1.0	900	$1,600	$1.78	43d	1	0.26mi
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	43d	1	0.27mi
106 N 6th St Darby, PA	2.0	1.0	1200	$1,550	$1.29	43d	1	0.28mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	14d	1	0.33mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	1000	$1,450	$1.45	24d	1	0.36mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	800	$1,450	$1.81	10d	1	0.36mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	43d	1	0.51mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	21d	1	0.51mi
700 Pine St Unit 2F Darby, PA	2.0	1.0	1100	$1,250	$1.14	17d	1	0.52mi
300 N Front St Darby, PA	2.0	1.0	850	$1,395	$1.64	43d	1	0.63mi
412 S 2nd St Darby, PA	3.0	1.0	1190	$1,100	$0.92	5d	1	0.76mi
601 Poplar St Sharon Hill, PA	1.0–2.0	1.0	787	$1,599	$2.03	14d	5	0.77mi
417 S 2nd St Darby, PA	3.0	1.0	1190	$1,020	$0.86	5d	1	0.79mi
504 S Lansdowne Ave Lansdowne, PA	2.0	1.0	815	$1,555	$1.91	1d	4	0.83mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	24d	1	0.85mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	21d	1	0.98mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	44d	1	1.01mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	24d	1	1.01mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	18d	1	1.04mi
826 Guenther Ave Lansdowne, PA	2.0	1.0–2.0	800	$1,699	$2.12	24d	1	1.05mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	17d	1	1.06mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	12d	1	1.06mi
35 Elberon Ave Unit 2 Lansdowne, PA	2.0	1.0	900	$1,695	$1.88	24d	1	1.25mi
101 W Baltimore Ave Unit H4 Lansdowne, PA	2.0	1.0	925	$1,449	$1.57	21d	1	1.46mi
101 W Baltimore Ave Unit B04 Lansdowne, PA	2.0	1.0	925	$1,469	$1.59	24d	1	1.46mi

Listing history 47 events

1. 2026-04-21
   price $124,888 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

2. 2025-11-21
   price $139,573 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

3. 2025-11-17
   price $139,777 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

4. 2025-11-17
   status Active 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

5. 2025-10-31
   historical 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

6. 2025-10-24
   price $144,817 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

7. 2025-09-23
   listed $149,999 Active 419-char remark

   Show marketing remark (419 chars)

   Very nice townhouse close to everything. 3 bedrooms and full bath on 2nd floor. Enclosed front porch with heat and seperate door going into a spacious open concept consisting of a large combo living room and dining room and into a lovely newer kitchen with breakfast bar. Seperate door off kitchen to the 1st floor laundry room and possible family room with rear door going out to a big fenced rear yard. Full basement.

8. 2024-10-31
   historical
9. 2024-09-05
   price $149,444
10. 2024-06-26
    price $154,567
11. 2024-05-14
    price $159,900
12. 2024-05-13
    status Active
13. 2024-02-06
    historical
14. 2023-11-04
    price $124,786
15. 2023-11-03
    listed $149,900 Active
16. 2016-09-29
    historical
17. 2016-09-28
    soldstatus $15,100
18. 2016-09-28
    soldstatus $15,100 Sold
19. 2016-09-24
    status Under Contract
20. 2016-09-21
    soldstatus $15,100 Sold
21. 2016-09-06
    status Under Contract
22. 2016-09-04
    soldstatus $15,100 Sold
23. 2016-08-26
    status Under Contract
24. 2016-08-21
    soldstatus $15,100 Sold
25. 2016-08-12
    status Under Contract
26. 2016-08-10
    soldstatus $15,100 Sold
27. 2016-07-29
    status Under Contract
28. 2016-07-19
    soldstatus $15,100 Sold
29. 2016-07-06
    status Under Contract
30. 2016-07-05
    soldstatus $15,100 Sold
31. 2016-06-23
    status Under Contract
32. 2016-06-21
    soldstatus $15,100 Sold
33. 2016-06-15
    status Under Contract
34. 2016-06-14
    soldstatus $15,100 Sold
35. 2016-06-07
    status Under Contract
36. 2016-06-06
    soldstatus $15,100 Sold
37. 2016-05-23
    status Under Contract
38. 2016-05-21
    soldstatus $15,100 Sold
39. 2016-05-13
    status Under Contract
40. 2016-05-07
    soldstatus $15,100 Sold
41. 2016-03-24
    status Under Contract
42. 2016-03-03
    listed $14,500 Active
43. 2016-03-03
    listed $14,500
44. 2007-06-08
    soldstatus $76,000
45. 2007-01-17
    soldstatus $40,000
46. 2006-09-18
    historical
47. 2006-07-19
    listed $45,000

ⓘ 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: $3,310 · $276/mo
• Projected year-2 tax: $3,310 · $276/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: $20,335
• − Mortgage interest: −$6,996
• − Property taxes: −$3,310
• − Insurance: −$624
• − Repairs & maintenance: −$1,627
• − Management: −$1,627
• − Depreciation: −$3,633
• Taxable income: $2,518
• Est. tax owed @ 24.0%: −$604
• After-tax cash flow: $3,667/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 — Darby

• Score: 74/100
• State rank: #485
• US rank: #4468

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Darby, 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

+177.5% since first listed

47 events — show timeline

• 2026-04-21 Price Changed $124,888 BRIGHT MLS
• 2025-11-21 Price Changed $139,573 BRIGHT MLS
• 2025-11-17 Price Changed $139,777 BRIGHT MLS
• 2025-11-17 Relisted — BRIGHT MLS
• 2025-10-31 Listing Removed — BRIGHT MLS
• 2025-10-24 Price Changed $144,817 BRIGHT MLS
• 2025-09-23 Listed $149,999 BRIGHT MLS
• 2024-10-31 Listing Removed — BRIGHT MLS
• 2024-09-05 Price Changed $149,444 BRIGHT MLS
• 2024-06-26 Price Changed $154,567 BRIGHT MLS
• 2024-05-14 Price Changed $159,900 BRIGHT MLS
• 2024-05-13 Relisted — BRIGHT MLS
• 2024-02-06 Listing Removed — BRIGHT MLS
• 2023-11-04 Price Changed $124,786 BRIGHT MLS
• 2023-11-03 Listed $149,900 BRIGHT MLS
• 2016-09-29 Listing Removed — BRIGHT MLS
• 2016-09-28 Sold (MLS) $15,100 TREND
• 2016-09-28 Sold (MLS) $15,100 BRIGHT MLS
• 2016-09-24 Pending — TREND
• 2016-09-21 Sold (MLS) $15,100 TREND
• 2016-09-06 Pending — TREND
• 2016-09-04 Sold (MLS) $15,100 TREND
• 2016-08-26 Pending — TREND
• 2016-08-21 Sold (MLS) $15,100 TREND
• 2016-08-12 Pending — TREND
• 2016-08-10 Sold (MLS) $15,100 TREND
• 2016-07-29 Pending — TREND
• 2016-07-19 Sold (MLS) $15,100 TREND
• 2016-07-06 Pending — TREND
• 2016-07-05 Sold (MLS) $15,100 TREND
• 2016-06-23 Pending — TREND
• 2016-06-21 Sold (MLS) $15,100 TREND
• 2016-06-15 Pending — TREND
• 2016-06-14 Sold (MLS) $15,100 TREND
• 2016-06-07 Pending — TREND
• 2016-06-06 Sold (MLS) $15,100 TREND
• 2016-05-23 Pending — TREND
• 2016-05-21 Sold (MLS) $15,100 TREND
• 2016-05-13 Pending — TREND
• 2016-05-07 Sold (MLS) $15,100 TREND
• 2016-03-24 Pending — TREND
• 2016-03-03 Listed $14,500 TREND
• 2016-03-03 Listed $14,500 BRIGHT MLS
• 2007-06-08 Sold (Public Records) $76,000 Public Records
• 2007-01-17 Sold (Public Records) $40,000 Public Records
• 2006-09-18 Listing Removed — BRIGHT MLS
• 2006-07-19 Listed $45,000 BRIGHT MLS

Property tax history

+2.0%/yr

Latest (2026): $3,310 · -0.5% YoY. Source: county tax records.