7023 Clover Ln · East Lansdowne, PA 19082

$177,000

3 bd · 1.0 ba · 1,060 sqft · Townhouse public records · 3 Days on market

Built 1927 2,614 sqft lot Est $183k · at est.

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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).

• Cash flow +14.1/30.0
• ARV discount +9.1/15.0
• 1% rule +4.3/10.0
• DSCR +4.3/10.0
• Livability +3.9/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Key facts

• Built 1927
• Listed 2 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric hot water
• Home design: Interior townhouse/rowhouse; 16 x 80 lot dimensions
• Construction: Stucco and brick exterior; Concrete perimeter foundation
• Exterior features: Exterior lighting; Sidewalks; Balcony; Porches

Interior

• Kitchen: Gas oven/range; Refrigerator
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom (upper level); One half bathroom (main level)
• Heating & cooling: Hot water heating; Electric heating fuel; Ceiling fan cooling; Circuit breaker electrical panel
• Interior features: Tub with shower; Ceiling fans; Crown moldings; Recessed lighting; Skylights
• Laundry & utility: Stacked washer/dryer; Laundry located on lower floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $177k.

Deal economics

• At list price, monthly cash flow is $27 ($328/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $164k (7.1% below list).
• Recommended offer: $164k (7.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#340 in PA, #2,990 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, crime F.
• 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.
• Zoned schools: Upper Darby Kdg Ctr (545 students, 100% FRL); Beverly Hills Ms (math 6% / reading 25%, grade F, #469 of 512 statewide, top 92%, 1,523 students, 100% FRL); Upper Darby Shs (math 46% / reading 47%, grade D-, #176 of 437 statewide, top 40%, 4,191 students, 95% FRL) — zoned schools average 98% FRL vs 52% district-wide (46 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.6%/yr); 133 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d 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 35% of the median local income ($57k/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 $5k of value loss. Plan a longer hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 25y ago; this cycle's ask is 18% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $107k; list at $177k implies a 65% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1927 — 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 $164,366 (7.1% below list)

Questions for the listing agent

1. Built in 1927 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.93% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.66%
• DSCR: 1.03
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $183,380
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7043 Radbourne Rd	0.05mi	3/2.0	1,060 (0%)	2mo	$227,500	$215	92
7056 Aberdeen Rd	0.22mi	2/1.0 (-1)	1,068 (+1%)	2mo	$150,000	$140	82
54 Springton Rd	0.56mi	3/1.0	1,040 (-2%)	0mo	$180,000	$173	70
7218 Radbourne Rd	0.30mi	3/2.0	1,170 (+10%)	2mo	$224,000	$191	63
7042 Clinton Rd	0.17mi	2/1.0 (-1)	902 (-15%)	2mo	$135,000	$150	60
6102 Cedar Ave	0.63mi	3/1.5	1,116 (+5%)	2mo	$150,000	$134	59
7136 Pine St	0.56mi	3/—	1,152 (+9%)	1mo	$227,000	$197	58
6232 Larchwood Ave	0.61mi	3/2.0	1,120 (+6%)	2mo	$294,500	$263	57
345 Copley Rd	0.51mi	3/2.0	1,152 (+9%)	2mo	$220,000	$191	56
138 Richfield Rd	0.68mi	3/1.0	1,152 (+9%)	2mo	$151,000	$131	52
7266 Spruce St	0.68mi	3/1.0	1,170 (+10%)	2mo	$150,000	$128	49
81 Hartley Rd	0.65mi	3/2.0	1,202 (+13%)	2mo	$185,000	$154	41

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 · 1.62% rent growth · sell at horizon

5-year hold

• IRR: -16.8%
• Equity multiple: 0.41×
• Total profit: $-29,138
• Equity at exit: $26,391

10-year hold

• IRR: -11.5%
• Equity multiple: 0.36×
• Total profit: $-31,896
• Equity at exit: $15,304

Cash invested: $49,560 (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 19082

• Home prices YoY: -32.1%
• Rents YoY: 1.6%
• Active inventory: 133
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,644 high
• Mortgage (P&I): −$928
• Tax from tax record: −$269 /mo · $3,230/yr
• Insurance: −$74
• HOA: −$0
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $27

Break-even live

Break-even rent $1,609

Max offer price $177,000

Occupancy floor 93%

Sensitivity live

Price	-10% $128	-5% $77	+0% $27	+5% $-23	+10% $-73
Rent	-10% $-103	-5% $-38	+0% $27	+5% $92	+10% $157
Rate	-1.0pp $116	-0.5pp $72	base $27	+0.5pp $-19	+1.0pp $-65

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: $44,250
• Closing costs: $5,310
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6839 Radbourne Rd Upper Darby, PA	3.0	1.5	1242	$1,750	$1.41	26d	1	0.10mi
6965 Clinton Rd Upper Darby, PA	2.0	1.0	986	$1,675	$1.70	45d	1	0.12mi
6927 Guilford Rd Upper Darby, PA	2.0	1.0	1182	$1,495	$1.26	4d	1	0.12mi
7111 Greenwood Ave Upper Darby, PA	3.0	1.5	1064	$1,800	$1.69	45d	1	0.13mi
624 Briarcliff Rd Unit MAIN UNIT Upper Darby Township, PA	3.0	1.0	1307	$1,700	$1.30	26d	1	0.14mi
624 Briarcliff Rd Upper Darby, PA	3.0	1.0	1307	$1,700	$1.30	45d	1	0.14mi
7026 Clinton Rd Upper Darby, PA	2.0	1.5	902	$1,650	$1.83	45d	1	0.17mi
7139 Greenwood Ave Upper Darby, PA	3.0	1.0	1064	$1,600	$1.50	26d	1	0.18mi
7116 Seaford Rd Upper Darby, PA	2.0	1.0	996	$1,600	$1.61	45d	1	0.18mi
7050 Clinton Rd Upper Darby, PA	2.0	1.0	977	$1,550	$1.59	45d	1	0.20mi
702 Copley Rd Upper Darby, PA	3.0	1.0	1044	$1,750	$1.68	26d	1	0.26mi
671 Long Ln Unit B Upper Darby Township, PA	2.0	1.5	850	$1,300	$1.53	26d	1	0.33mi
7216 Clinton Rd Upper Darby, PA	3.0	1.0	1170	$1,815	$1.55	3d	1	0.34mi
444 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	7d	1	0.38mi
411 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	22d	1	0.41mi
259 Heather Rd Upper Darby, PA	2.0	1.0	1120	$1,395	$1.25	0d	1	0.45mi
430 Glendale Rd Upper Darby, PA	3.0	1.0	1090	$1,650	$1.51	23d	1	0.47mi
124 Lexington Ave Unit 2 Lansdowne, PA	2.0	1.0	1000	$1,500	$1.50	4d	1	0.47mi
31 Lamport Rd Upper Darby, PA	3.0	1.0	1244	$1,800	$1.45	7d	1	0.53mi
7147 Radbourne Rd Upper Darby, PA	3.0	1.0	1096	$1,850	$1.69	14d	1	0.60mi
177 Wellington Rd Upper Darby, PA	3.0	2.0	1236	$2,000	$1.62	26d	1	0.67mi
292 N Wycombe Ave Lansdowne, PA	2.0	1.0	1162	$1,600	$1.38	45d	1	0.71mi
293 Wabash Ave Lansdowne, PA	3.0	1.0	1377	$1,900	$1.38	20d	1	0.81mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	20d	1	0.85mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	19d	1	0.85mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	14d	1	0.85mi
217 Sansom St Upper Darby, PA	2.0	1.0	1342	$1,000	$0.75	26d	1	0.92mi
130 Garrett Rd Upper Darby, PA	2.0	1.0	675	$999	$1.48	7d	2	0.94mi
826 Guenther Ave Lansdowne, PA	2.0	1.0–2.0	800	$1,699	$2.12	26d	1	1.04mi
7100 W Chester Pike Upper Darby Township, PA	1.0–2.0	1.0	770	$1,315	$1.71	26d	5	1.10mi
35 Elberon Ave Unit 2 Lansdowne, PA	2.0	1.0	900	$1,695	$1.88	26d	1	1.11mi
55 N Keystone Ave Upper Darby, PA	3.0	1.0	1258	$1,700	$1.35	45d	1	1.15mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	26d	1	1.16mi
5 W Plumstead Ave Unit 1 Lansdowne, PA	2.0	1.0	1100	$1,550	$1.41	26d	1	1.20mi
83 S State Rd Unit B502 Upper Darby Township, PA	2.0	1.0	800	$1,289	$1.61	3d	1	1.35mi
44 Sunshine Rd Upper Darby, PA	4.0	1.0	1481	$1,795	$1.21	23d	1	1.36mi
51 N State Rd Upper Darby, PA	3.0	1.0	1244	$1,595	$1.28	45d	1	1.38mi
146 S Lansdowne Ave Apt A9 Lansdowne, PA	2.0	1.0	950	$1,469	$1.55	0d	1	1.38mi
101 W Baltimore Ave Unit B04 Lansdowne, PA	2.0	1.0	925	$1,469	$1.59	26d	1	1.39mi
101 W Baltimore Ave Unit H4 Lansdowne, PA	2.0	1.0	925	$1,449	$1.57	23d	1	1.39mi

Listing history 6 events

1. 2026-06-21
   statusdays on market $177,000 Active 3 DOM
2. 2026-06-18
   days on market $177,000 Coming Soon 6 DOM
3. 2026-06-17
   days on market $177,000 Coming Soon 5 DOM
4. 2026-06-16
   days on market $177,000 Coming Soon 4 DOM
5. 2026-06-15
   days on market $177,000 Coming Soon 3 DOM
6. 2026-06-13
   listed $177,000 Coming Soon 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: $3,230 · $269/mo
• Projected year-2 tax: $3,230 · $269/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: $19,724
• − Mortgage interest: −$9,915
• − Property taxes: −$3,230
• − Insurance: −$885
• − Repairs & maintenance: −$1,578
• − Management: −$1,578
• − Depreciation: −$5,149
• Taxable loss: −$2,611
• Est. tax savings @ 24.0%: +$627
• After-tax cash flow: $955/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 — East Lansdowne

• Score: 77/100
• State rank: #340
• US rank: #2990

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Delaware County · 399,863 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 41,541
• Household income: $57,108
• Rent vs Own: 50.7% rent · 49.3% own
• Severe rent burden: 2416.0

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: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Black 44% White 21% Asian 17% Hispanic / Latino 13% Two or more races 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Hispanic 2% Swiss 2% Romanian 1%
• Foreign-born: 34% · Canada, Vietnam, South Korea
• Languages at home: 62% English-only · Spanish 11% Other Indo-European 10% French/Haitian/Cajun 5%

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: ▼ -161.05%
• Current HPI: 341.2957
• Rent YoY: ▲ 1.62%
• 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

+490.0% since first listed

16 events — show timeline

• 2026-06-12 Coming Soon $177,000 BRIGHT MLS
• 2024-10-08 Sold (Public Records) $107,000 Public Records
• 2024-10-04 Sold (MLS) $107,000 BRIGHT MLS
• 2024-09-20 Contingent — BRIGHT MLS
• 2024-08-06 Price Changed $139,500 BRIGHT MLS
• 2024-07-18 Relisted — BRIGHT MLS
• 2024-07-17 Listing Removed — BRIGHT MLS
• 2024-03-19 Relisted — BRIGHT MLS
• 2024-03-17 Listing Removed — BRIGHT MLS
• 2023-12-07 Listed $149,500 BRIGHT MLS
• 2008-12-30 Sold (Public Records) $40,000 Public Records
• 2007-12-07 Listing Removed — BRIGHT MLS
• 2007-07-13 Listed $89,900 BRIGHT MLS
• 2002-02-08 Listing Removed — BRIGHT MLS
• 2001-11-08 Listed $34,900 BRIGHT MLS
• 1984-01-20 Sold (Public Records) $30,000 Public Records

Property tax history

+2.9%/yr

Latest (2026): $3,230 · +7.7% YoY. Source: county tax records.