907 W Poplar St · York, PA 17403

$135,000

5 bd · 1.0 ba · 1,611 sqft · Townhouse public records · 6 Days on market

Built 1900 1,072 sqft lot Est $156k · 14% 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 +26.3/30.0
• ARV discount +13.6/15.0
• DSCR +8.9/10.0
• 1% rule +7.2/10.0
• Livability +3.8/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS IS AN EXCELLENT OPPORTUNITY FOR A 1ST TIME BUYER OR AN INVESTOR. THIS HOME NEEDS ONLY A LITTLE TLC & IT'S READY TO MOVE IN. |

Key facts

• Parking
• Built 1900
• Listed 6 days

Property features AI

Exterior

• Parking: One off-street parking space accessed via alley; Crushed stone parking surface; Total of one garage/parking space
• Utilities: Public water; Public sewer; Natural gas available; Electric available (100 amp service); Cable internet/TV available; Natural gas hot water
• Home design: Interior townhouse/rowhouse; Average condition; Fee simple ownership
• Construction: Brick construction; Stone foundation; Above- and below-grade structures
• Exterior features: Not in a federal flood zone; Municipal trash service; Pets allowed with no restrictions; Ground rent paid annually

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Two bedrooms on the first upper level; Two bedrooms on the second upper level
• Flooring: Vinyl flooring; Carpet flooring
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating (natural gas); Window cooling units (electric)
• Interior features: Finished above-grade living area per assessor; Basement with sump pump, unfinished
• Laundry & utility: Upper-floor laundry; Has laundry

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath townhouse listed at $135k.

Deal economics

• At list price, monthly cash flow is $348 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Cap rate 9.4% vs local median 5.9% in York — 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 75/100 on livability (#427 in PA, #3,987 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D+, crime F, employment F.
• York City SD (urban): math 4% / reading 16% proficiency, ranked #534 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Ferguson Sch (math 0% / reading 12%, grade F, #1,494 of 1,518 statewide, top 98%, 640 students, 100% FRL); Edgar Fahs Smith Steam Academy (math 7% / reading 35%, grade F, #432 of 512 statewide, top 85%, 240 students, 100% FRL); William Penn Shs (math 22% / reading 8%, grade F, #407 of 437 statewide, top 94%, 1,534 students, 100% FRL) — zoned schools average 100% FRL vs 72% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.4%/yr); 223 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,328 units permitted in York County in 2024 (338 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 4.4% rent growth), your $38k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 26y 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.
• Current owner paid $37k; list at $135k implies a 265% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,000

Questions for the listing agent

1. Built in 1900 — 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. 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?
4. 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.
5. 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.
6. 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: 1.22% ✓
• Cap rate: 9.38%
• Cash-on-cash: 11.03%
• DSCR: 1.49
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $156,267
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
925 W College Ave	0.16mi	5/1.0	1,660 (+3%)	3mo	$129,900	$78	85
826 Fern Pl	0.34mi	5/1.0	1,572 (-2%)	0mo	$128,000	$81	80
1206 W Poplar St	0.25mi	5/1.5	1,572 (-2%)	5mo	$135,000	$86	78
818 W King St	0.06mi	5/1.5	1,824 (+13%)	1mo	$203,000	$111	72
1254 W Poplar St	0.35mi	4/1.0 (-1)	1,536 (-5%)	1mo	$192,000	$125	70
132 N West St	0.43mi	4/1.0 (-1)	1,560 (-3%)	3mo	$145,000	$93	68
429 W Princess St	0.60mi	4/1.0 (-1)	1,604 (-0%)	1mo	$125,000	$78	66
1250 W King St	0.36mi	4/1.0 (-1)	1,459 (-9%)	5mo	$169,900	$116	58
589 W Princess St	0.32mi	4/1.0 (-1)	1,428 (-11%)	4mo	$175,000	$123	58
204 Park Pl	0.72mi	4/1.5 (-1)	1,574 (-2%)	2mo	$199,900	$127	54
120 N Penn St	0.70mi	4/1.5 (-1)	1,492 (-7%)	5mo	$145,000	$97	44
847 Florida Ave	0.60mi	4/1.0 (-1)	1,843 (+14%)	3mo	$154,000	$84	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 · 4.43% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.07×
• Total profit: $2,708
• Equity at exit: $20,129

10-year hold

• IRR: 12.8%
• Equity multiple: 2.09×
• Total profit: $41,200
• Equity at exit: $11,672

Cash invested: $37,800 (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 17403

• Home prices YoY: -26.9%
• Rents YoY: 4.4%
• Active inventory: 223
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,651 high
• Mortgage (P&I): −$708
• Tax from tax record: −$192 /mo · $2,310/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$347
• Net cashflow: $348

Break-even live

Break-even rent $1,211

Max offer price $135,000

Occupancy floor 74%

Sensitivity live

Price	-10% $424	-5% $386	+0% $348	+5% $309	+10% $271
Rent	-10% $217	-5% $282	+0% $348	+5% $413	+10% $478
Rate	-1.0pp $416	-0.5pp $382	base $348	+0.5pp $313	+1.0pp $277

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
925 W College Ave York, PA	4.0	1.0	1660	$1,425	$0.86	15d	1	0.15mi
709 W Princess St York, PA	5.0	1.0	1829	$1,425	$0.78	45d	1	0.15mi
121 S Belvidere Ave Unit 121 York, PA	5.0	1.5	1846	$1,450	$0.79	45d	1	0.17mi
26 N West St York, PA	6.0	2.0	2100	$2,200	$1.05	22d	1	0.34mi
132 N West St York, PA	4.0	1.0	1560	$1,600	$1.03	15d	1	0.42mi
216 Park Pl York, PA	4.0	1.0	1192	$1,350	$1.13	15d	1	0.71mi
330 Smyser St York, PA	5.0	1.0	1634	$1,425	$0.87	45d	1	0.82mi
289 Union St York, PA	4.0	1.0	1450	$1,600	$1.10	45d	1	0.94mi
213 Kurtz Ave York, PA	5.0	1.0	1921	$1,850	$0.96	15d	1	1.00mi
119 W Jackson St York, PA	4.0	1.0	1800	$1,395	$0.78	45d	1	1.16mi
113 Arch St York, PA	4.0	1.0	1188	$1,200	$1.01	15d	1	1.43mi

Listing history 7 events

1. 2026-06-21
   statusdays on market $135,000 Pending 6 DOM
2. 2026-06-18
   days on market $135,000 Active 5 DOM
3. 2026-06-17
   days on market $135,000 Active 4 DOM
4. 2026-06-16
   days on market $135,000 Active 3 DOM
5. 2026-06-15
   days on market $135,000 Active 2 DOM
6. 2026-06-14
   remarks 360-char remark
7. 2026-06-14
   listed $135,000 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: $2,310 · $192/mo
• Projected year-2 tax: $2,310 · $192/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 · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,811
• − Mortgage interest: −$7,562
• − Property taxes: −$2,310
• − Insurance: −$675
• − Repairs & maintenance: −$1,585
• − Management: −$1,585
• − Depreciation: −$3,927
• Taxable income: $2,167
• Est. tax owed @ 24.0%: −$520
• After-tax cash flow: $3,650/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: York City SD
• NCES district ID: 4226820
• Math proficiency: 4% ▼ -7.00%
• Reading proficiency: 16% ▼ -9.00%
• Median HH income: $29,470
• Composite: 7.61/100
• National rank: #9943
• State rank: #534 of 539 in PA

Livability — York

• Score: 75/100
• State rank: #427
• US rank: #3987

Category grades

Amenities D+ 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: York, PA
• County: York County · 278,806 people
• City population: 184,764
• Metro: York-Hanover, PA
• Population (ZIP): 40,287
• Household income: $75,384
• Rent vs Own: 36.2% rent · 63.8% own
• Severe rent burden: 1305.0

Population outlook (York County) Hauer SSP2

• Today (2025): 454,205 people
• By 2030: 457,407 · +0.7%
• By 2040: 457,529 · +0.7%
• By 2050: 448,261 · -1.3%
• By 2075: 427,388 · -5.9%
• By 2100: 384,218 · -15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 60% Hispanic / Latino 20% Black 12% Two or more races 9% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 10% Dominican 3%
• Common ancestry: Romanian 3% Lithuanian 1% Slovak 1%
• Foreign-born: 10% · Canada, Vietnam, Jamaica
• Languages at home: 81% English-only · Spanish 14% Other Indo-European 1% Arabic 1%

Political lean MEDSL · York

• 2024 margin: Strong R (+25.3) · D 36.9% · R 62.1%
• 2008→2024 swing: -11.7pp toward R · 2008: -13.6pp · 2024: -25.3pp
• All cycles: 2024: R+25.3 2020: R+24.6 2016: R+29.3 2012: R+21.2 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -104.51%
• Current HPI: 284.0731
• Rent YoY: ▲ 4.43%
• Metro: York-Hanover, PA
• 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

+610.5% since first listed

9 events — show timeline

• 2026-06-13 Listed $135,000 BRIGHT MLS
• 2010-11-01 Listing Removed — BRIGHT MLS
• 2010-04-12 Listed $49,900 BRIGHT MLS
• 2004-09-27 Sold (Public Records) $37,000 Public Records
• 2000-07-07 Sold (Public Records) $20,000 Public Records
• 2000-07-06 Sold (MLS) $20,000 BRIGHT MLS
• 2000-06-10 Listing Removed — BRIGHT MLS
• 2000-03-07 Listed $24,000 BRIGHT MLS
• 1987-09-15 Sold (Public Records) $19,000 Public Records

Property tax history

+0.8%/yr

Latest (2026): $2,310 · +1.6% YoY. Source: county tax records.