217 Harvey Ave · Linwood, PA 19061

$160,000

3 bd · 1.0 ba · 1,096 sqft · SingleFamily public records · 161 Days on market

Built 1910 1,742 sqft lot $146/sqft · 7% below area Est $172k · 7% under

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Why this score? — see what drove the C+ 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 +25.6/30.0
• ARV discount +10.7/15.0
• DSCR +8.5/10.0
• 1% rule +5.6/10.0
• Livability +4.0/5.0
• Rent growth +3.0/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NO INTERIOR ACCESS. Do not approach the occupants. DRIVE BY ONLY. Sold at Auction and with occupant in place now and at settlement. Fantastic opportunity to acquire this neat twin with an enclosed front porch. The property is close to 95 and offers excellent rental potential or a nice home for the owner occupant. Easy Access to Center City and major Routes. Quiet street. No direct knowledge of interior condition or floorplan. Perfect for the savvy investor or owner occupant. All offers from interested buyers must be entered online at the auction website. Please consult the auction website for bidding instructions and terms of sale. All information regarding room count, measurements, and property information has been obtained thru third party sources. All information is reliable but you are advised to perform your own due diligence for your buyer.

Key facts

• Quiet street
• Enclosed front porch
• Built 1910

Tags

• ENCLOSED FRONT PORCH
• EXCELLENT RENTAL POTENTIAL
• EASY ACCESS TO CENTER CITY
• QUIET STREET

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $377 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $141k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 79/100 on livability (#234 in PA, #2,020 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: commute D+, amenities F.
• Chichester SD (suburban): math 19% / reading 41% proficiency, ranked #438 of 539 in PA (top 81%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.8%/yr); 68 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 161 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $15k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $42k; list at $160k implies a 281% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: 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 $140,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 161 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 1.06% ✓
• Cap rate: 9.12%
• Cash-on-cash: 10.09%
• DSCR: 1.45
• GRM: 7.8

CMA / ARV

• ARV (median comp): $172,189
• List price: $160,000
• Delta: -7.08%
• 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
9 Maise Ave	0.46mi	3/1.0	1,092 (-0%)	2mo	$290,000	$266	76
131 Harvey	0.10mi	3/2.0	1,147 (+5%)	12mo	$257,400	$224	73
4300 W 9th St #34	0.34mi	3/1.0	1,125 (+3%)	13mo	$54,400	$48	69
2117 Locust St	0.67mi	3/2.0	1,050 (-4%)	4mo	$305,000	$290	54
1327 Chestnut St	0.72mi	3/1.0	1,092 (-0%)	15mo	$219,900	$201	53
914 Anderson Ave	0.72mi	3/2.0	1,042 (-5%)	2mo	$289,900	$278	52
1565 Beale St #101	0.44mi	2/1.0 (-1)	1,008 (-8%)	11mo	$210,000	$208	52
4210 W 7th St	0.58mi	3/1.5	1,200 (+10%)	9mo	$186,500	$155	48
2109 Ferncroft Ave	0.62mi	2/1.0 (-1)	960 (-12%)	4mo	$240,000	$250	42
900 Market St Apt E	0.62mi	3/1.0	1,219 (+11%)	13mo	$104,000	$85	42
2210 Wharton Ave	0.67mi	3/1.0	1,000 (-9%)	17mo	$292,000	$292	40
4022 W 7th St	0.67mi	4/1.0 (+1)	1,248 (+14%)	3mo	$165,000	$132	38

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 · 1.83% rent growth · sell at horizon

5-year hold

• IRR: -2.4%
• Equity multiple: 0.91×
• Total profit: $-3,971
• Equity at exit: $23,857

10-year hold

• IRR: 6.1%
• Equity multiple: 1.43×
• Total profit: $19,258
• Equity at exit: $13,834

Cash invested: $44,800 (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 19061

• Rents YoY: 1.8%
• Active inventory: 68
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,704 high
• Mortgage (P&I): −$839
• Tax from tax record: −$63 /mo · $761/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $377

Break-even live

Break-even rent $1,227

Max offer price $160,000

Occupancy floor 73%

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
151 Chadwick Ave Marcus Hook, PA	3.0	1.5	1080	$1,600	$1.48	10d	1	0.09mi
130 Harvey Ave Unit 1 Linwood, PA	3.0	1.0	1173	$1,750	$1.49	10d	1	0.14mi
117 Ervin Ave Marcus Hook, PA	3.0	1.5	720	$1,595	$2.22	20d	1	0.16mi
119 E Laughead Ave Marcus Hook, PA	3.0	1.5	1080	$1,530	$1.42	3d	1	0.21mi
1015 McClenahan Ter Marcus Hook, PA	3.0	2.5	1456	$2,400	$1.65	10d	1	0.47mi
15 Marshall Ave Marcus Hook, PA	3.0	1.0	1204	$1,600	$1.33	24d	1	0.63mi
8 W 8th St Marcus Hook, PA	3.0	1.0	1120	$1,600	$1.43	18d	1	0.71mi
7 W 6th St Marcus Hook, PA	3.0	1.0	1287	$1,815	$1.41	15d	1	0.84mi
1006 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	24d	1	1.00mi
1107-1115 Keystone Rd Chester, PA	2.0	1.0	700	$1,250	$1.79	43d	1	1.02mi
908 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	43d	1	1.04mi
906 Keystone Rd Unit 1 Chester, PA	2.0	1.0	800	$1,200	$1.50	24d	1	1.04mi
906 Keystone Rd Chester, PA	2.0	1.0	800	$1,200	$1.50	21d	1	1.04mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	21d	1	1.04mi
2820 Chichester Ave Boothwyn, PA	2.0	1.0	850	$1,347	$1.58	21d	1	1.30mi
2832 W 6th St Unit 306 Chester, PA	3.0	1.0	1428	$1,500	$1.05	4d	1	1.32mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	990	$1,000	$1.01	20d	1	1.43mi

Listing history 18 events

1. 2026-06-18
   days on market $160,000 Active 161 DOM
2. 2026-06-17
   days on market $160,000 Active 160 DOM
3. 2026-06-16
   days on market $160,000 Active 159 DOM
4. 2026-06-15
   days on market $160,000 Active 158 DOM
5. 2026-06-13
   days on market $160,000 Active 156 DOM
6. 2026-06-13
   days on market $160,000 Active 155 DOM
7. 2026-06-09
   days on market $160,000 Active 152 DOM
8. 2026-06-08
   days on market $160,000 Active 151 DOM
9. 2026-06-07
   days on market $160,000 Active 150 DOM
10. 2026-06-04
    days on market $160,000 Active 147 DOM
11. 2026-06-03
    days on market $160,000 Active 146 DOM
12. 2026-06-02
    days on market $160,000 Active 145 DOM
13. 2026-06-01
    days on market $160,000 Active 144 DOM
14. 2026-05-31
    days on market $160,000 Active 143 DOM
15. 2026-04-03
    status Active 858-char remark

    Show marketing remark (858 chars)

    NO INTERIOR ACCESS. Do not approach the occupants. DRIVE BY ONLY. Sold at Auction and with occupant in place now and at settlement. Fantastic opportunity to acquire this neat twin with an enclosed front porch. The property is close to 95 and offers excellent rental potential or a nice home for the owner occupant. Easy Access to Center City and major Routes. Quiet street. No direct knowledge of interior condition or floorplan. Perfect for the savvy investor or owner occupant. All offers from interested buyers must be entered online at the auction website. Please consult the auction website for bidding instructions and terms of sale. All information regarding room count, measurements, and property information has been obtained thru third party sources. All information is reliable but you are advised to perform your own due diligence for your buyer.

16. 2026-03-31
    historical 858-char remark

    Show marketing remark (858 chars)

    NO INTERIOR ACCESS. Do not approach the occupants. DRIVE BY ONLY. Sold at Auction and with occupant in place now and at settlement. Fantastic opportunity to acquire this neat twin with an enclosed front porch. The property is close to 95 and offers excellent rental potential or a nice home for the owner occupant. Easy Access to Center City and major Routes. Quiet street. No direct knowledge of interior condition or floorplan. Perfect for the savvy investor or owner occupant. All offers from interested buyers must be entered online at the auction website. Please consult the auction website for bidding instructions and terms of sale. All information regarding room count, measurements, and property information has been obtained thru third party sources. All information is reliable but you are advised to perform your own due diligence for your buyer.

17. 2026-01-05
    listed $175,000 Active 858-char remark

    Show marketing remark (858 chars)

    NO INTERIOR ACCESS. Do not approach the occupants. DRIVE BY ONLY. Sold at Auction and with occupant in place now and at settlement. Fantastic opportunity to acquire this neat twin with an enclosed front porch. The property is close to 95 and offers excellent rental potential or a nice home for the owner occupant. Easy Access to Center City and major Routes. Quiet street. No direct knowledge of interior condition or floorplan. Perfect for the savvy investor or owner occupant. All offers from interested buyers must be entered online at the auction website. Please consult the auction website for bidding instructions and terms of sale. All information regarding room count, measurements, and property information has been obtained thru third party sources. All information is reliable but you are advised to perform your own due diligence for your buyer.

18. 1985-04-29
    soldstatus $42,000

ⓘ 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: $761 · $63/mo
• Projected year-2 tax: $1,644 · $137/mo
• Expected delta: +$884/yr (+$74/mo · 116.2%)

ⓘ 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 ≥104°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 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,444
• − Mortgage interest: −$8,962
• − Property taxes: −$761
• − Insurance: −$800
• − Repairs & maintenance: −$1,635
• − Management: −$1,635
• − Depreciation: −$4,655
• Taxable income: $1,995
• Est. tax owed @ 24.0%: −$479
• After-tax cash flow: $4,042/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: Chichester SD
• NCES district ID: 4205910
• Math proficiency: 19% ▼ -12.00%
• Reading proficiency: 41% ▼ -17.00%
• Median HH income: $57,612
• Composite: 26.84/100
• National rank: #7110
• State rank: #438 of 539 in PA

Livability — Linwood

• Score: 79/100
• State rank: #234
• US rank: #2020

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Linwood, PA
• County: Delaware County · 399,863 people
• City population: 20,135
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 19,896
• Household income: $82,005
• Rent vs Own: 36.5% rent · 63.5% own
• Severe rent burden: 612.0

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 (74%)
• Race & ethnicity: White 74% Black 11% Hispanic / Latino 5% Two or more races 5% Asian 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 5% Subsaharan African 3% Polish 2%
• Foreign-born: 8% · Canada, China, South Korea
• Languages at home: 90% English-only · Spanish 3% Chinese 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: ▼ -187.71%
• Current HPI: 265.507
• Rent YoY: ▲ 1.83%
• 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

+316.7% since first listed

4 events — show timeline

• 2026-04-03 Relisted — BRIGHT MLS
• 2026-03-31 Listing Removed — BRIGHT MLS
• 2026-01-05 Listed $175,000 BRIGHT MLS
• 1985-04-29 Sold (Public Records) $42,000 Public Records

Property tax history

-7.4%/yr

Latest (2026): $761 · -67.7% YoY. Source: county tax records.