133 Quaker Ln · Ardmore, PA 19041

$500,000

4 bd · 2.5 ba · 3,420 sqft · SingleFamily public records · 1 Days on market

Built 1980 1.15 ac lot Est $951k · 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 +23.0/30.0
• ARV discount +15.0/15.0
• DSCR +7.4/10.0
• Schools +6.2/10.0
• 1% rule +6.0/10.0
• Livability +4.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

1.15 acres situated in a quiet neighborhood within Haverford’s own Merion Gold Manor Community. Featuring 4 bedrooms, 2 full bathrooms, 1 half bathroom in the 3,400 +/- livable square footage. Plenty of space outback for entertaining family and friends. Conveniently located within a short distance from shopping centers, restaurants, parks and recreational facilities. Must see in person to appreciate!

Key facts

• 1.15 acre lot
• 2 garage spots
• Built 1980

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $500k.

Deal economics

• At list price, monthly cash flow is $890 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($6k rent vs $500k).
• Cap rate 8.4% vs local median 2.0% in Ardmore — 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 94/100 on livability (#2 in PA, #6 nationally) — a professional / high-income tenant draw. Strengths: schools A+, crime A+, amenities A+; Watch: cost of living D-.
• Haverford Township SD (suburban): math 58% / reading 78% proficiency, ranked #20 of 539 in PA (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 9% free/reduced lunch — higher-income household profile.
• Market conditions: 19 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $3k of loan paydown is wiped out by about $15k of value loss. Plan a longer hold.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 3y 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 $40k; list at $500k implies a 1150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $500,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are A-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?
3. 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.
4. 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.
5. 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: 1.10% ✓
• Cap rate: 8.43%
• Cash-on-cash: 7.63%
• DSCR: 1.34
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $950,760
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3108 Darby Rd	0.24mi	4/3.0	3,410 (-0%)	19mo	$850,000	$249	70
119 Golfview Rd	0.41mi	4/3.5	3,271 (-4%)	22mo	$1,250,000	$382	51
2700 Woodleigh Rd	0.71mi	4/3.5	3,364 (-2%)	13mo	$975,000	$290	50
21 Orchard Rd	0.67mi	5/2.5 (+1)	3,524 (+3%)	19mo	$675,000	$192	42
6 College Ave	0.69mi	4/3.5	3,484 (+2%)	23mo	$870,000	$250	42
16 Golfview Rd	0.34mi	5/4.0 (+1)	3,152 (-8%)	23mo	$1,060,000	$336	41
535 Ardmore Ave	0.65mi	4/2.5	3,054 (-11%)	14mo	$740,000	$242	40
44 Haverford Rd	0.64mi	5/3.5 (+1)	3,269 (-4%)	17mo	$650,000	$199	39
45 W Golfview Rd	0.52mi	3/2.5 (-1)	2,908 (-15%)	8mo	$855,000	$294	39
24 Dartmouth Ln	0.40mi	5/4.5 (+1)	3,770 (+10%)	23mo	$1,325,000	$351	32
2720 W Darby Rd	0.56mi	5/2.5 (+1)	2,928 (-14%)	18mo	$815,000	$278	30
233 Shawnee Rd	0.70mi	4/2.5	3,928 (+15%)	22mo	$950,000	$242	24

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: -4.6%
• Equity multiple: 0.83×
• Total profit: $-24,279
• Equity at exit: $74,552

10-year hold

• IRR: 5.1%
• Equity multiple: 1.37×
• Total profit: $52,154
• Equity at exit: $43,231

Cash invested: $140,000 (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 19041

• Home prices YoY: -29.7%
• Active inventory: 19
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $5,500 medium
• Mortgage (P&I): −$2,622
• Tax est. 1.5%: −$625 /mo · $7,500/yr
• Insurance: −$208
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,155
• Net cashflow: $890

Break-even live

Break-even rent $4,374

Max offer price $500,000

Occupancy floor 79%

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: $125,000
• Closing costs: $15,000
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
901 Academy Ln Bryn Mawr, PA	4.0	2.0	2410	$5,500	$2.28	1d	1	1.47mi

Listing history 13 events

1. 2025-06-11
   status Pending
2. 2025-06-11
   listed $500,000 Active
3. 2024-08-05
   historical
4. 2024-06-15
   price $1,200,000
5. 2024-06-05
   price $1,750,000
6. 2024-05-06
   price $1,549,000
7. 2024-04-12
   price $1,599,000
8. 2024-03-19
   status Active
9. 2024-03-05
   historical
10. 2024-02-16
    historical
11. 2024-01-10
    historical
12. 2023-10-23
    listed $1,950,000 Active
13. 1978-12-01
    soldstatus $40,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 ≥102°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: $66,000
• − Mortgage interest: −$28,008
• − Property taxes: −$7,500
• − Insurance: −$2,500
• − Repairs & maintenance: −$5,280
• − Management: −$5,280
• − Depreciation: −$14,545
• Taxable income: $2,887
• Est. tax owed @ 24.0%: −$693
• After-tax cash flow: $9,983/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: Haverford Township SD
• NCES district ID: 4211670
• Math proficiency: 58% ▼ -13.00%
• Reading proficiency: 78% ▼ -7.00%
• Median HH income: $93,877
• Composite: 61.83/100
• National rank: #731
• State rank: #20 of 539 in PA

Livability — Ardmore

• Score: 94/100
• State rank: #2
• US rank: #6

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 14,255
• Population (ZIP): 6,088

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 (83%)
• Race & ethnicity: White 83% Two or more races 6% Hispanic / Latino 4% Black 4% Asian 3%
• Common ancestry: Scotch-Irish 6% Lithuanian 5% Romanian 5%
• Foreign-born: 10% · Canada, China
• Languages at home: 87% English-only · French/Haitian/Cajun 4% Spanish 3% Chinese 2%

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: ▼ -111.67%
• Current HPI: 264.4
• Rent YoY: —
• Metro: —
• 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

+1150.0% since first listed

13 events — show timeline

• 2025-06-11 Pending — BRIGHT MLS
• 2025-06-11 Listed $500,000 BRIGHT MLS
• 2024-08-05 Listing Removed — BRIGHT MLS
• 2024-06-15 Price Changed $1,200,000 BRIGHT MLS
• 2024-06-05 Price Changed $1,750,000 BRIGHT MLS
• 2024-05-06 Price Changed $1,549,000 BRIGHT MLS
• 2024-04-12 Price Changed $1,599,000 BRIGHT MLS
• 2024-03-19 Relisted — BRIGHT MLS
• 2024-03-05 Listing Removed — BRIGHT MLS
• 2024-02-16 Coming Soon — BRIGHT MLS
• 2024-01-10 Listing Removed — BRIGHT MLS
• 2023-10-23 Listed $1,950,000 BRIGHT MLS
• 1978-12-01 Sold (Public Records) $40,000 Public Records

Property tax history

+4.8%/yr

Latest (2026): $32,250 · +69.4% YoY. Source: county tax records.