121 Pine St · Collingdale, PA 19023

$151,000

3 bd · 1.0 ba · 1,066 sqft · Townhouse public records · 34 Days on market

Built 1920 1,742 sqft lot $142/sqft · 19% below area Est $186k · 19% 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 +21.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.9/10.0
• 1% rule +6.4/10.0
• Rent growth +5.0/5.0
• Livability +4.2/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

Key facts

• Commuter routes
• Local shopping
• Local parks

Tags

• RESIDENTIAL NEIGHBORHOOD
• LOCAL SHOPPING
• LOCAL DINING
• LOCAL PARKS
• COMMUTER ROUTES
• PUBLIC TRANSPORTATION

Property features AI

Finance

• Other: Fee simple ownership; Property listed in good condition; Above-grade finished area reported as 1,066 (assessor source)

Exterior

• Parking: On-street parking
• Utilities: 100 amp electric service; Natural gas available; Public water; Public sewer; Cable TV available
• Home design: Semi-detached home
• Construction: Brick and vinyl siding exterior; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Lot dimensions approximately 19 x 101; No tidal water

Interior

• Kitchen: Kitchen
• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom
• Heating & cooling: Hot water radiator heating; Natural gas heating
• Interior features: Full basement; Family room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $151k.

Deal economics

• At list price, monthly cash flow is $232 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $151k).
• Recommended offer: $146k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.1% vs local median 6.0% in Collingdale — 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 84/100 on livability (#105 in PA, #781 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, amenities D.
• Southeast Delco SD (suburban): math 13% / reading 33% proficiency, ranked #478 of 539 in PA (top 89%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+13.1%/yr); 99 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 45% of the median local income ($46k/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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y 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 $39k; list at $151k implies a 287% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — 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 $146,470 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.14% ✓
• Cap rate: 8.13%
• Cash-on-cash: 6.57%
• DSCR: 1.29
• GRM: 7.3

CMA / ARV

• ARV (median comp): $186,060
• List price: $151,000
• Delta: -18.84%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
219 Laurel Rd	0.24mi	2/1.0 (-1)	1,068 (+0%)	2mo	$160,000	$150	82
123 Spring Valley Rd	0.57mi	3/1.0	1,120 (+5%)	1mo	$180,000	$161	64
412 Pusey Ave	0.31mi	3/1.0	1,202 (+13%)	1mo	$245,000	$204	63
33 Mermont Cir	0.63mi	3/1.0	1,120 (+5%)	0mo	$200,000	$179	62
1232 Edgehill Rd	0.66mi	3/1.0	1,120 (+5%)	1mo	$214,000	$191	60
422 Darby Ter	0.66mi	3/1.0	1,006 (-6%)	0mo	$185,000	$184	60
1339 Park Ln	0.72mi	3/1.0	1,120 (+5%)	2mo	$230,000	$205	57
420 Rively Ave	0.73mi	3/1.5	1,120 (+5%)	1mo	$240,000	$214	55
414 Rively Ave	0.74mi	3/1.5	1,120 (+5%)	1mo	$230,000	$205	54
714 Poplar St	0.46mi	3/1.5	1,216 (+14%)	1mo	$94,000	$77	52
217 N 7th St	0.61mi	3/2.0	1,188 (+11%)	1mo	$140,000	$118	48
1300 Wycombe Ave	0.72mi	3/1.0	1,190 (+12%)	1mo	$129,000	$108	46

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -0.3%
• Equity multiple: 0.99×
• Total profit: $-526
• Equity at exit: $22,515

10-year hold

• IRR: 14.2%
• Equity multiple: 2.43×
• Total profit: $60,350
• Equity at exit: $13,056

Cash invested: $42,280 (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 19023

• Rents YoY: 13.1%
• Active inventory: 99
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,725 high
• Mortgage (P&I): −$792
• Tax from tax record: −$277 /mo · $3,319/yr
• Insurance: −$63
• HOA: −$0
• Vacancy / Maint / Mgmt: −$362
• Net cashflow: $232

Break-even live

Break-even rent $1,432

Max offer price $151,000

Occupancy floor 82%

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: $37,750
• Closing costs: $4,530
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
909 Springfield Rd Unit D Darby, PA	4.0	1.0	900	$1,600	$1.78	43d	1	0.21mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	14d	1	0.23mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	21d	1	0.32mi
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	43d	1	0.40mi
700 Pine St Unit 2F Darby, PA	2.0	1.0	1100	$1,250	$1.14	17d	1	0.43mi
601 Poplar St Sharon Hill, PA	1.0–2.0	1.0	787	$1,599	$2.03	14d	5	0.44mi
924 Maple Ter Darby, PA	3.0	1.5	1190	$2,000	$1.68	5d	1	0.50mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	800	$1,450	$1.81	10d	1	0.50mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	1000	$1,450	$1.45	24d	1	0.50mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	10d	1	0.52mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	5d	1	0.52mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	21d	1	0.52mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	24d	1	0.56mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	44d	1	0.56mi
106 N 6th St Darby, PA	2.0	1.0	1200	$1,550	$1.29	43d	1	0.61mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	43d	1	0.71mi
412 S 2nd St Darby, PA	3.0	1.0	1190	$1,100	$0.92	5d	1	0.77mi
417 S 2nd St Darby, PA	3.0	1.0	1190	$1,020	$0.86	5d	1	0.80mi
300 N Front St Darby, PA	2.0	1.0	850	$1,395	$1.64	43d	1	0.98mi
504 S Lansdowne Ave Lansdowne, PA	2.0	1.0	815	$1,555	$1.91	1d	4	1.02mi
66 Folcroft Ave Folcroft, PA	3.0	1.0	1224	$1,895	$1.55	3d	1	1.06mi
132 Folcroft Ave Folcroft, PA	2.0	1.0	725	$1,679	$2.32	2d	3	1.18mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	1.22mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	850	$1,799	$2.12	43d	1	1.22mi
1505 Elmwood Ave Unit 5 Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	1.22mi
1512 Elmwood Ave Folcroft, PA	2.0	1.0	850	$1,499	$1.76	24d	1	1.23mi
1513 Elmwood Ave Unit 4 Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	24d	1	1.23mi
1513 Elmwood Ave Unit 5 Folcroft, PA	3.0	1.0	850	$1,799	$2.12	43d	1	1.23mi
1511 Elmwood Ave Folcroft, PA	1.0–3.0	1.0	725	$1,649	$2.27	23d	3	1.24mi
304 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	43d	1	1.27mi
306 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	3d	1	1.27mi
820 Greenhill Rd Sharon Hill, PA	4.0	2.0	1184	$2,600	$2.20	5d	1	1.28mi
1201 Bartram Ave Darby, PA	2.0	1.0	700	$1,350	$1.93	10d	1	1.30mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	24d	1	1.31mi
137 W Maryland Ave Unit 2nd Flr Aldan, PA	2.0	1.0	800	$1,400	$1.75	5d	1	1.41mi
145 Isabel Ave Unit 145B Glenolden, PA	2.0	1.0	890	$1,525	$1.71	43d	1	1.42mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	18d	1	1.47mi
35 Elberon Ave Unit 2 Lansdowne, PA	2.0	1.0	900	$1,695	$1.88	24d	1	1.48mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	17d	1	1.49mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	12d	1	1.49mi

Listing history 27 events

1. 2026-06-18
   status $151,000 Pending 34 DOM
2. 2026-06-18
   days on market $151,000 Active 34 DOM
3. 2026-06-17
   days on market $151,000 Active 33 DOM
4. 2026-06-16
   days on market $151,000 Active 32 DOM
5. 2026-06-15
   days on market $151,000 Active 31 DOM
6. 2026-06-13
   days on market $151,000 Active 29 DOM
7. 2026-06-13
   days on market $151,000 Active 28 DOM
8. 2026-06-09
   days on market $151,000 Active 25 DOM
9. 2026-06-08
   days on market $151,000 Active 24 DOM
10. 2026-06-07
    days on market $151,000 Active 23 DOM
11. 2026-06-04
    days on market $151,000 Active 20 DOM
12. 2026-06-03
    days on market $151,000 Active 19 DOM
13. 2026-06-02
    days on market $151,000 Active 18 DOM
14. 2026-06-01
    days on market $151,000 Active 17 DOM
15. 2026-05-31
    days on market $151,000 Active 16 DOM
16. 2026-05-15
    listed $151,000 Active 1262-char remark
17. 2009-04-17
    soldstatus $39,000 465-char remark

    Show marketing remark (462 chars)

    Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

18. 2009-04-17
    soldstatus $39,000

    Show marketing remark (462 chars)

    Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

19. 2009-03-22
    historical 465-char remark

    Show marketing remark (465 chars)

    Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

20. 2009-02-06
    listed $39,900 465-char remark

    Show marketing remark (462 chars)

    Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

21. 2009-02-06
    listed $39,900

    Show marketing remark (462 chars)

    Home appears to have had some rehab work done, but still needs finishing touches & a good cleaning. Terrific oppurtunity for 1st time buyer or investor. Property is being sold as-is where is with no warranties expressed or implied. All cash offers must have proof of funds & all fiancing offers must have a pre-approval done by Karen Marion at Wells Fargo, however buyer may use own mortgage company. Bank addendums will be required with accepted offer.

22. 2008-01-28
    historical
23. 2007-10-14
    listed $70,000
24. 2007-05-10
    historical
25. 2007-02-08
    listed $123,500
26. 2001-06-07
    soldstatus $30,000
27. 1989-10-24
    soldstatus $14,000

ⓘ 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: $3,319 · $277/mo
• Projected year-2 tax: $3,319 · $277/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 7/10 Severe 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: $20,702
• − Mortgage interest: −$8,458
• − Property taxes: −$3,319
• − Insurance: −$755
• − Repairs & maintenance: −$1,656
• − Management: −$1,656
• − Depreciation: −$4,393
• Taxable income: $465
• Est. tax owed @ 24.0%: −$111
• After-tax cash flow: $2,667/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: Southeast Delco SD
• NCES district ID: 4222400
• Math proficiency: 13% ▼ -8.00%
• Reading proficiency: 33% ▼ -9.00%
• Median HH income: $49,309
• Composite: 20.25/100
• National rank: #8623
• State rank: #478 of 539 in PA

Livability — Collingdale

• Score: 84/100
• State rank: #105
• US rank: #781

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Collingdale, PA
• County: Delaware County · 399,863 people
• City population: 22,247
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 22,247
• Household income: $46,463
• Rent vs Own: 47.4% rent · 52.6% own
• Severe rent burden: 1468.0

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 Black (76%)
• Race & ethnicity: Black 76% White 15% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Swiss 5% Hispanic 1% Romanian 1%
• Foreign-born: 18% · Canada
• Languages at home: 84% English-only · French/Haitian/Cajun 4% Spanish 3% Other Asian/Pacific 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: ▼ -190.50%
• Current HPI: 277.7034
• Rent YoY: ▲ 13.10%
• 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

+978.6% since first listed

12 events — show timeline

• 2026-05-15 Listed $151,000 BRIGHT MLS
• 2009-04-17 Sold (MLS) $39,000 TREND
• 2009-04-17 Sold (MLS) $39,000 BRIGHT MLS
• 2009-03-22 Listing Removed — BRIGHT MLS
• 2009-02-06 Listed $39,900 TREND
• 2009-02-06 Listed $39,900 BRIGHT MLS
• 2008-01-28 Listing Removed — BRIGHT MLS
• 2007-10-14 Listed $70,000 BRIGHT MLS
• 2007-05-10 Listing Removed — BRIGHT MLS
• 2007-02-08 Listed $123,500 BRIGHT MLS
• 2001-06-07 Sold (Public Records) $30,000 Public Records
• 1989-10-24 Sold (Public Records) $14,000 Public Records

Property tax history

+2.7%/yr

Latest (2026): $3,319 · -5.9% YoY. Source: county tax records.