310 Seventh St · Milford, PA 18337

$144,500

3 bd · 1.0 ba · 1,496 sqft · SingleFamily public records · 6 Days on market

Built 1911 0.25 ac 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
• Schools +4.7/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Multiple offers, Seller to review all offers on Day#7 (Monday 6/8/2026). Welcome to 310 7th Street in Milford! This charming in-town home offers 3 bedrooms, 1 bathroom, and nearly 1,500 square feet of living space on a generous quarter-acre lot. Built with timeless character and featuring a 2 car detached garage, this property combines small-town charm with everyday convenience. Enjoy a spacious yard, walkable access to Milford's shops, restaurants, and services, and an easy commute to New York and New Jersey. Whether you're looking for a full-time residence, weekend retreat, or investment opportunity, this home offers endless potential in one of Pike County's most desirable locations. Home

Key facts

• Spacious yard
• New furnace
• Paved driveway

Tags

• SPACIOUS YARD
• WALKABLE ACCESS
• NEW FURNACE
• PAVED DRIVEWAY

Property features AI

Exterior

• Parking: Total of 8 parking spaces; 2-car garage; 6 off-street/open parking spaces
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Two levels; Residential zoning; Fixer condition
• Construction: Aluminum siding and brick exterior; Stone foundation; House
• Exterior features: City lot, cleared; Paved public road access; Garage(s) on property

Interior

• Flooring: Carpet; Vinyl; Wood; Combination of flooring types
• Bathrooms: 1 full bathroom
• Interior features: Entrance foyer; Partial unfinished concrete basement
• Laundry & utility: Water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $144k.

Deal economics

• At list price, monthly cash flow is $733 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $144k).
• Cap rate 12.4% vs local median 2.4% in Milford — 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 79/100 on livability (#255 in PA, #2,230 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, amenities A+, health & safety A+; Watch: cost of living D+, commute F.
• Delaware Valley SD (rural): math 41% / reading 66% proficiency, ranked #121 of 539 in PA (top 22%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Delaware Valley El Sch (math 42% / reading 67%, grade C, #504 of 1,518 statewide, top 37%, 457 students, 44% FRL); Delaware Valley Ms (math 33% / reading 70%, grade C, #109 of 512 statewide, top 22%, 479 students, 38% FRL); Delaware Valley Hs (math 77% / reading 75%, grade A-, #25 of 437 statewide, top 6%, 1,418 students, 37% FRL).
• Market conditions: 298 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 213 units permitted in Pike County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($93k/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 $999 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pike County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $40k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 3.3% of price; built in 1911 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $144,500

Questions for the listing agent

1. Built in 1911 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.70% ✓
• Cap rate: 12.38%
• Cash-on-cash: 21.73%
• DSCR: 1.97
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $345,576
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
214 W High St Unit 214 W. High Street	0.16mi	3/2.0	1,657 (+11%)	1mo	$625,000	$377	70
108 9th St	0.24mi	3/1.5	1,470 (-2%)	22mo	$331,000	$225	66
111 Sawkill Ave	0.34mi	3/1.5	1,360 (-9%)	13mo	$305,000	$224	56
209 E Apple Aly	0.52mi	3/1.0	1,342 (-10%)	9mo	$310,000	$231	51
137 Chippy Cole Rd	0.55mi	2/1.5 (-1)	1,440 (-4%)	23mo	$240,000	$167	42
150 Pine Acres Ln	0.56mi	3/1.5	1,326 (-11%)	19mo	$395,000	$298	37

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.4%
• Equity multiple: 1.58×
• Total profit: $23,424
• Equity at exit: $21,545

10-year hold

• IRR: 23.3%
• Equity multiple: 3.01×
• Total profit: $81,174
• Equity at exit: $12,494

Cash invested: $40,460 (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 18337

• Home prices YoY: -22.0%
• Active inventory: 298
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $2,460 medium
• Mortgage (P&I): −$758
• Tax from tax record: −$393 /mo · $4,714/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$517
• Net cashflow: $733

Break-even live

Break-even rent $1,533

Max offer price $144,500

Occupancy floor 65%

Sensitivity live

Price	-10% $815	-5% $774	+0% $733	+5% $692	+10% $651
Rent	-10% $538	-5% $636	+0% $733	+5% $830	+10% $927
Rate	-1.0pp $806	-0.5pp $770	base $733	+0.5pp $695	+1.0pp $657

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: $36,125
• Closing costs: $4,335
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
127 Evergreen Ln Unit 3 Milford, PA	2.0	1.0	1037	$2,550	$2.46	12d	1	0.83mi

Listing history 6 events

1. 2026-06-09
   status $144,500 Pending 6 DOM
2. 2026-06-08
   days on market $144,500 Active 6 DOM
3. 2026-06-07
   days on market $144,500 Active 5 DOM
4. 2026-06-04
   days on market $144,500 Active 2 DOM
5. 2026-06-02
   remarks 699-char remark
6. 2026-06-02
   listed $144,500 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: $4,714 · $393/mo
• Projected year-2 tax: $4,714 · $393/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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥98°F today · 17 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,523
• − Mortgage interest: −$8,094
• − Property taxes: −$4,714
• − Insurance: −$722
• − Repairs & maintenance: −$2,362
• − Management: −$2,362
• − Depreciation: −$4,204
• Taxable income: $7,065
• Est. tax owed @ 24.0%: −$1,696
• After-tax cash flow: $7,098/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: Delaware Valley SD
• NCES district ID: 4207530
• Math proficiency: 41% ▼ -12.00%
• Reading proficiency: 66% ▼ -9.00%
• Median HH income: $64,202
• Composite: 46.95/100
• National rank: #2359
• State rank: #121 of 539 in PA

Livability — Milford

• Score: 79/100
• State rank: #255
• US rank: #2230

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Milford, PA
• County: Pike County · 15,799 people
• City population: 15,799
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 15,799
• Household income: $93,149
• Rent vs Own: 14.2% rent · 85.8% own
• Severe rent burden: 275.0

Population outlook (Pike County) Hauer SSP2

• Today (2025): 53,548 people
• By 2030: 51,622 · -3.6%
• By 2040: 46,490 · -13.2%
• By 2050: 40,372 · -24.6%
• By 2075: 31,951 · -40.3%
• By 2100: 26,821 · -49.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 10% Two or more races 7% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 6% Iranian 2% Portuguese 2%
• Foreign-born: 6% · Canada, China, South Korea
• Languages at home: 89% English-only · Spanish 6% Russian/Polish/Slavic 2% German/W. Germanic 1%

Political lean MEDSL · Pike

• 2024 margin: Strong R (+24.1) · D 37.6% · R 61.6%
• 2008→2024 swing: -19.8pp toward R · 2008: -4.2pp · 2024: -24.1pp
• All cycles: 2024: R+24.1 2020: R+19.0 2016: R+26.0 2012: R+11.0 2008: R+4.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -54.81%
• Current HPI: 194.0604
• Rent YoY: —
• Metro: New York-Newark-Jersey City, NY-NJ-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

1 event — show timeline

• 2026-06-01 Listed $144,500 PWMLS

Property tax history

+1.1%/yr

Latest (2026): $4,714 · +1.3% YoY. Source: county tax records.