1666 Ward St · Linwood, PA 19061

$225,000

3 bd · 1.0 ba · 1,391 sqft · Townhouse public records · 29 Days on market

Built 1940 5,227 sqft lot $162/sqft · 5% above area Est $214k · 5% over

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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 +14.5/30.0
• ARV discount +5.2/15.0
• DSCR +4.4/10.0
• Livability +4.0/5.0
• 1% rule +3.1/10.0
• Rent growth +3.0/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charm and character abound in this Marcus Hook twin nestled on Ward Street in the desirable Linwood section of the Chichester School District. Lovingly maintained by the same family since the early 1970s, this home reflects decades of pride in ownership and impeccable care throughout. Spacious yet warm and manageable, it offers the perfect blend of comfort, functionality, and timeless appeal. The first floor features a generously sized living room, formal dining room, eat-in kitchen, and both front and rear enclosed porch areas—perfect for relaxing, entertaining, or creating additional flex space. Upstairs, you’ll find three generously sized bedrooms and a full bath, while the w

Key facts

• Enclosed porch areas
• Bonus storage shed
• Walk up third floor

Tags

• PRIVACY FENCED BACKYARD
• BONUS STORAGE SHED
• ENCLOSED PORCH AREAS
• WALK UP THIRD FLOOR

Property features AI

Exterior

• Parking: Alley access; On-street parking
• Utilities: Public water; Public sewer; Municipal trash collection
• Home design: Semi-detached property; Fee simple ownership
• Construction: Vinyl and aluminum siding; Architectural shingle roof; Other type foundation; Built according to assessor records
• Exterior features: Lot approximately 35 x 147; Shed on property; No tidal water; Pets allowed with no restrictions

Interior

• Kitchen: Built-in range; Stove; Refrigerator
• Bedrooms: Three bedrooms on the first upper level
• Flooring: Fully carpeted
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating (oil-fired); Window air conditioning units; Electric cooling; Circuit breaker electrical service
• Interior features: Carpeted surfaces; Combination dining and living area; Separate dining area; Traditional floor plan; Eat-in kitchen; Unfinished basement
• Laundry & utility: Washer; Dryer; Main-floor laundry; 60+ gallon hot water tank

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $225k.

Deal economics

• At list price, monthly cash flow is $50 ($601/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 $183k (18.6% below list).
• Recommended offer: $183k (18.6% below list) — sets the bar for 1% rule.

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.
• Zoned schools: Chichester Ms (math 8% / reading 38%, grade F, #426 of 512 statewide, top 83%, 952 students, 100% FRL); Chichester Shs (math 47% / reading 15%, grade F, #340 of 437 statewide, top 78%, 996 students, 90% FRL) — zoned schools average 95% FRL vs 52% district-wide (43 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.8%/yr); 68 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($222k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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.

Risks & watch-outs

• Watch-outs: built in 1940 — 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 $183,242 (18.6% below list)

Questions for the listing agent

1. Built in 1940 — 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. 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?
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: 0.81% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.95%
• DSCR: 1.04
• GRM: 10.2

CMA / ARV

• ARV (median comp): $214,152
• List price: $225,000
• Delta: 5.07%
• 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
1637 Huddell	0.04mi	3/1.5	1,386 (-0%)	6mo	$250,000	$180	90
160 W Ridge Rd	0.36mi	3/1.5	1,374 (-1%)	3mo	$217,000	$158	77
1927 Pleasantview Ave	0.21mi	3/1.0	1,306 (-6%)	7mo	$200,000	$153	74
1425 Hewes	0.35mi	3/1.5	1,316 (-5%)	4mo	$220,000	$167	70
303 Johnson Ave	0.14mi	3/1.5	1,245 (-10%)	8mo	$249,000	$200	67
1570 Market St	0.08mi	3/2.0	1,558 (+12%)	8mo	$160,000	$103	66
1471 Tallylynn Ave	0.51mi	3/1.5	1,340 (-4%)	4mo	$250,000	$187	65
1421 Bradley St	0.44mi	3/1.5	1,448 (+4%)	8mo	$279,900	$193	64
630 Taylor Ave	0.22mi	2/1.0 (-1)	1,200 (-14%)	0mo	$235,500	$196	62
1118 Green St	0.58mi	2/1.0 (-1)	1,302 (-6%)	2mo	$100,000	$77	56
1024 Washington Ave	0.63mi	3/1.0	1,238 (-11%)	9mo	$190,000	$153	45
1128 Green St	0.56mi	3/1.0	1,188 (-15%)	9mo	$159,900	$135	42

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: -16.0%
• Equity multiple: 0.44×
• Total profit: $-35,471
• Equity at exit: $33,548

10-year hold

• IRR: -9.7%
• Equity multiple: 0.43×
• Total profit: $-35,606
• Equity at exit: $19,454

Cash invested: $63,000 (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: 10.2×

Monthly cashflow live

• Estimated rent: $1,832 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$124 /mo · $1,486/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$385
• Net cashflow: $50

Break-even live

Break-even rent $1,769

Max offer price $225,000

Occupancy floor 92%

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
119 E Laughead Ave Marcus Hook, PA	3.0	1.5	1080	$1,530	$1.42	3d	1	0.19mi
130 Harvey Ave Unit 1 Linwood, PA	3.0	1.0	1173	$1,750	$1.49	10d	1	0.26mi
151 Chadwick Ave Marcus Hook, PA	3.0	1.5	1080	$1,600	$1.48	10d	1	0.29mi
1015 McClenahan Ter Marcus Hook, PA	3.0	2.5	1456	$2,400	$1.65	10d	1	0.69mi
15 Marshall Ave Marcus Hook, PA	3.0	1.0	1204	$1,600	$1.33	24d	1	0.75mi
8 W 8th St Marcus Hook, PA	3.0	1.0	1120	$1,600	$1.43	18d	1	0.84mi
7 W 6th St Marcus Hook, PA	3.0	1.0	1287	$1,815	$1.41	15d	1	0.97mi
36 Andrews Ct Media, PA	3.0	2.5	1632	$2,600	$1.59	43d	1	1.02mi
237 Ridge Rd Claymont, DE	2.0	1.0	950	$1,700	$1.79	22d	1	1.31mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	21d	1	1.36mi
49 Story Rd Upper Chichester, PA	3.0	1.5	1742	$2,450	$1.41	43d	1	1.41mi

Listing history 13 events

1. 2026-06-18
   days on market $225,000 Active 29 DOM
2. 2026-06-17
   days on market $225,000 Active 28 DOM
3. 2026-06-16
   days on market $225,000 Active 27 DOM
4. 2026-06-15
   days on market $225,000 Active 26 DOM
5. 2026-06-13
   days on market $225,000 Active 24 DOM
6. 2026-06-13
   statusdays on market $225,000 Active 23 DOM
7. 2026-06-04
   statusdays on market $225,000 Active Under Contract 21 DOM
8. 2026-06-03
   days on market $225,000 Active 20 DOM
9. 2026-06-02
   days on market $225,000 Active 19 DOM
10. 2026-06-01
    days on market $225,000 Active 18 DOM
11. 2026-05-31
    days on market $225,000 Active 17 DOM
12. 2026-05-18
    historical Active Under Contract 1462-char remark
13. 2026-05-12
    listed $225,000 Active 1462-char remark

ⓘ 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: $1,486 · $124/mo
• Projected year-2 tax: $2,521 · $210/mo
• Expected delta: +$1,034/yr (+$86/mo · 69.6%)

ⓘ 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: $21,989
• − Mortgage interest: −$12,603
• − Property taxes: −$1,486
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,759
• − Management: −$1,759
• − Depreciation: −$6,545
• Taxable loss: −$3,289
• Est. tax savings @ 24.0%: +$789
• After-tax cash flow: $1,391/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

5 events — show timeline

• 2026-06-10 Relisted — BRIGHT MLS
• 2026-06-04 Contingent — BRIGHT MLS
• 2026-05-20 Relisted — BRIGHT MLS
• 2026-05-18 Contingent — BRIGHT MLS
• 2026-05-12 Listed $225,000 BRIGHT MLS

Property tax history

-3.9%/yr

Latest (2026): $1,486 · -67.7% YoY. Source: county tax records.