345 Taylor Ter · Chester, PA 19013

$52,500

3 bd · 1.0 ba · 1,140 sqft · SingleFamily public records · 35 Days on market

Built 1910 1,307 sqft lot $46/sqft · 47% below area Est $100k · 47% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +4.2/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

Key facts

• Fully gutted
• Second floor framed
• Full renovation

Tags

• FULL REHAB OPPORTUNITY
• FULLY GUTTED
• SECOND FLOOR FRAMED
• FULL RENOVATION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $52k.

Deal economics

• At list price, monthly cash flow is $795 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $52k).
• Recommended offer: $51k (3.0% below list) — sets the bar for market timing.
• Cap rate 24.5% vs local median 7.5% in Chester — 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 73/100 on livability (#540 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F, employment F.
• Chester-Upland SD (suburban): math 4% / reading 17% proficiency, ranked #533 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Toby Farms Intermediate School (math 2% / reading 12%, grade F, #506 of 512 statewide, top 99%, 299 students, 100% FRL) — zoned schools average 100% FRL vs 81% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.9%/yr); 140 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).
• At $1,635/mo this rent would consume 48% of the median local household income ($41k/yr) (locally 2668% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $363 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.9% rent growth), your $15k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($51k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 19y ago; this cycle's ask has dropped $32k (38%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 4.6% of price; built in 1910 — 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 $50,925 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 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 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 3.12% ✓
• Cap rate: 24.47%
• Cash-on-cash: 64.91%
• DSCR: 3.89
• GRM: 2.7

CMA / ARV

• ARV (median comp): $99,909
• List price: $52,500
• Delta: -47.45%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
0-12 Parker St	0.12mi	2/1.0 (-1)	986 (-14%)	3mo	$340,000	$345	64
1128 Concord Ave	0.38mi	3/1.0	1,150 (+1%)	22mo	$130,000	$113	62
337 E 10th St	0.69mi	3/1.0	1,200 (+5%)	9mo	$50,000	$42	51
339 Lamokin St	0.65mi	3/1.0	1,264 (+11%)	9mo	$25,000	$20	44
301 W 22nd St	0.73mi	3/1.0	1,224 (+7%)	22mo	$127,500	$104	36
9 8th St	0.65mi	2/2.0 (-1)	1,020 (-10%)	11mo	$217,000	$213	34

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 · 6.88% rent growth · sell at horizon

5-year hold

• IRR: 69.0%
• Equity multiple: 4.33×
• Total profit: $48,878
• Equity at exit: $7,828

10-year hold

• IRR: 74.4%
• Equity multiple: 10.37×
• Total profit: $137,698
• Equity at exit: $4,539

Cash invested: $14,700 (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 19013

• Rents YoY: 6.9%
• Active inventory: 140
• Price-to-rent: 2.7×

Monthly cashflow live

• Estimated rent: $1,635 high
• Mortgage (P&I): −$275
• Tax from tax record: −$200 /mo · $2,396/yr
• Insurance: −$22
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $795

Break-even live

Break-even rent $629

Max offer price $52,500

Occupancy floor 46%

Sensitivity live

Price	-10% $965	-5% $810	+0% $795	+5% $780	+10% $765
Rent	-10% $666	-5% $731	+0% $795	+5% $860	+10% $924
Rate	-1.0pp $822	-0.5pp $809	base $795	+0.5pp $782	+1.0pp $768

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: $13,125
• Closing costs: $1,575
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
418 Penn St Chester, PA	3.0	1.0	1250	$1,350	$1.08	45d	1	0.40mi
925 W 3rd St Chester, PA	4.0	1.0	1500	$1,700	$1.13	20d	1	0.60mi
330 W 21st St Chester, PA	3.0	1.0	1152	$1,500	$1.30	45d	1	0.67mi
814 Upland St Chester, PA	3.0	1.0	1344	$1,525	$1.13	9d	1	0.68mi
125 W 21st St Chester, PA	4.0	1.5	1152	$1,850	$1.61	26d	1	0.85mi
1127 Walnut St Chester, PA	4.0	1.5	1312	$1,600	$1.22	9d	1	0.88mi
13 E 21st St Unit A Chester, PA	2.0	1.0	900	$1,250	$1.39	45d	1	0.96mi
25 W Parkway Ave Chester, PA	3.0	1.0	1324	$1,600	$1.21	7d	1	1.06mi
2219 Madison St Unit B Chester, PA	2.0	1.0	800	$1,000	$1.25	45d	1	1.08mi
1211 Johnson St Chester, PA	3.0	1.0	882	$1,500	$1.70	4d	1	1.15mi
30 W Roland Rd Brookhaven, PA	3.0	1.0	1424	$1,695	$1.19	45d	1	1.16mi
2607 Edgmont Ave Unit 2F Brookhaven, PA	2.0	1.0	850	$1,600	$1.88	26d	1	1.20mi
1118 Brown St Unit 318 Chester, PA	3.0	1.0	1092	$1,900	$1.74	17d	1	1.22mi
1124 Thomas St Chester, PA	3.0	1.0	1046	$1,200	$1.15	26d	1	1.24mi
314 E 24th St Chester, PA	2.0	1.0–1.5	800	$1,500	$1.88	0d	12	1.25mi
1510 Washington Ave Chester, PA	4.0	1.5	1280	$2,000	$1.56	20d	1	1.26mi
1224 Elson Rd Brookhaven, PA	3.0	2.0	1200	$1,900	$1.58	19d	1	1.28mi
2015 Hyatt St Chester, PA	3.0	1.5	988	$1,950	$1.97	0d	1	1.29mi
1206 Thomas St Chester, PA	3.0	1.0	833	$1,399	$1.68	26d	1	1.30mi
1315 Harshaw Rd Brookhaven, PA	3.0	2.5	1260	$2,395	$1.90	0d	1	1.30mi
2701 Madison St Chester, PA	1.0–2.0	1.0	860	$1,533	$1.78	4d	10	1.30mi
921 E 15th St Chester, PA	3.0	1.0	1279	$1,650	$1.29	0d	1	1.31mi

Listing history 21 events

1. 2026-06-21
   days on market $52,500 Active 35 DOM
2. 2026-06-18
   days on market $52,500 Active 32 DOM
3. 2026-06-17
   remarks 631-char remark
4. 2026-06-17
   statusdays on market $52,500 Active 31 DOM
5. 2026-05-06
   price $52,500 572-char remark

   Show marketing remark (572 chars)

   Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

6. 2026-05-02
   price $55,000 572-char remark

   Show marketing remark (572 chars)

   Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

7. 2026-05-01
   status Active 572-char remark

   Show marketing remark (572 chars)

   Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

8. 2026-04-20
   status Pending 572-char remark

   Show marketing remark (572 chars)

   Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

9. 2026-04-17
   price $65,000 572-char remark

   Show marketing remark (572 chars)

   Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

10. 2026-04-16
    listed $85,000 Active 572-char remark

    Show marketing remark (572 chars)

    Investor Special ! Full Rehab Opportunity! Welcome to 345 Taylor Terrace in Chester, PA. This property has been fully gutted and is ready for your vision. The second floor has already been framed, providing a head start on the renovation. Ideal for investors, contractors, or buyers looking to customize a property from the ground up. This home is being sold strictly as-is. Enter at your own risk. Seller will not be providing any disclosures buyer is responsible for conducting their own due diligence. Property is essentially a shell and will require a full renovation.

11. 2018-11-26
    status Pending
12. 2018-11-26
    historical
13. 2018-11-06
    listed $15,000 Active
14. 2012-06-23
    historical
15. 2011-06-23
    listed $24,900
16. 2011-06-02
    historical
17. 2010-06-02
    listed $39,900
18. 2009-12-16
    historical
19. 2008-12-16
    listed $39,900
20. 2008-03-02
    historical
21. 2007-03-02
    listed $49,900

ⓘ 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: $2,396 · $200/mo
• Projected year-2 tax: $2,396 · $200/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 ≥105°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: $19,625
• − Mortgage interest: −$2,941
• − Property taxes: −$2,396
• − Insurance: −$262
• − Repairs & maintenance: −$1,570
• − Management: −$1,570
• − Depreciation: −$1,527
• Taxable income: $9,359
• Est. tax owed @ 24.0%: −$2,246
• After-tax cash flow: $7,296/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: Chester-Upland SD
• NCES district ID: 4205860
• Math proficiency: 4% ▼ -3.00%
• Reading proficiency: 17% ▼ -6.00%
• Median HH income: $29,790
• Composite: 8.05/100
• National rank: #9918
• State rank: #533 of 539 in PA

Livability — Chester

• Score: 73/100
• State rank: #540
• US rank: #5053

Category grades

Amenities A+ 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: Chester, PA
• County: Delaware County · 399,863 people
• City population: 35,064
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 35,064
• Household income: $41,261
• Rent vs Own: 61.0% rent · 39.0% own
• Severe rent burden: 2668.0

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 (71%)
• Race & ethnicity: Black 71% White 14% Hispanic / Latino 9% Two or more races 4%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 6%

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: ▼ -149.69%
• Current HPI: 219.5173
• Rent YoY: ▲ 6.88%
• 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

+5.2% since first listed

17 events — show timeline

• 2026-05-06 Price Changed $52,500 BRIGHT MLS
• 2026-05-02 Price Changed $55,000 BRIGHT MLS
• 2026-05-01 Relisted — BRIGHT MLS
• 2026-04-20 Pending — BRIGHT MLS
• 2026-04-17 Price Changed $65,000 BRIGHT MLS
• 2026-04-16 Listed $85,000 BRIGHT MLS
• 2018-11-26 Pending — BRIGHT MLS
• 2018-11-26 Listing Removed — BRIGHT MLS
• 2018-11-06 Listed $15,000 BRIGHT MLS
• 2012-06-23 Listing Removed — BRIGHT MLS
• 2011-06-23 Listed $24,900 BRIGHT MLS
• 2011-06-02 Listing Removed — BRIGHT MLS
• 2010-06-02 Listed $39,900 BRIGHT MLS
• 2009-12-16 Listing Removed — BRIGHT MLS
• 2008-12-16 Listed $39,900 BRIGHT MLS
• 2008-03-02 Listing Removed — BRIGHT MLS
• 2007-03-02 Listed $49,900 BRIGHT MLS

Property tax history

+21.9%/yr

Latest (2026): $2,396 · +143.3% YoY. Source: county tax records.