107 Woodrow Ave · Sinking Spring, PA 19608

$175,000

3 bd · 1.0 ba · 2,010 sqft · Townhouse public records · 2 Days on market

Built 1897 3,484 sqft lot Est $326k · 46% 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 +26.1/30.0
• ARV discount +15.0/15.0
• DSCR +8.8/10.0
• 1% rule +7.6/10.0
• Schools +4.6/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large Semi With 3 Bedrooms, Possible 5 Bedrooms (2 On 3Rd Floor). Modern Kitchen, Large Garage, Nice Yard And Large Rooms. Lots Of Storage. Wilson Schools. Close To Shopping. Large Basement With Exit.

Key facts

• Covered front porch
• Mudroom pantry
• Garage

Tags

• COVERED FRONT PORCH
• OVERSIZED LIVING ROOM
• FULL EAT-IN OAK KITCHEN
• MUDROOM PANTRY
• WALK-OUT LOWER LEVEL BASEMENT
• HIGH EFFICIENCY GAS BOILER

Property features AI

Finance

• Other: Total below-grade area reported (600); Finished above-grade area reported (2,010)
• HOA & community: Ground rent paid annually

Exterior

• Parking: Detached garage (rear entry) with one garage space; Garage includes additional storage area and is oversized; On-street parking available
• Utilities: Public water; Public sewer; Heating fueled by natural gas; Hot water uses oil
• Home design: Semi-detached structure; Entry level details not specified; Ownership is fee simple
• Construction: Brick construction; Stone foundation; Building not winterized; Above-grade finished living area recorded; below-grade unfinished area present
• Exterior features: Semi-detached property; Above- and below-grade structures; Property condition listed as average; Not in a federal flood zone

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Three bedrooms on the first upper level; Two bedrooms on the second upper level
• Bathrooms: One full bathroom (upper levels); One half bathroom on the main level
• Heating & cooling: Baseboard hot water heating; Window air conditioning units (electric)
• Interior features: Not furnished; Full unfinished walkout basement with interior access and rear/outside entrance
• Laundry & utility: Laundry located in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $175k.

Deal economics

• At list price, monthly cash flow is $443 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Cap rate 9.3% vs local median 2.9% in Sinking Spring — 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 77/100 on livability (#346 in PA, #3,047 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Wilson SD (suburban): math 46% / reading 59% proficiency, ranked #127 of 539 in PA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wilson Hs (math 61% / reading 24%, grade F, #225 of 437 statewide, top 51%, 2,059 students, 34% FRL).
• Market conditions: 89 active listings in the ZIP; 1 comparable units currently listed for rent nearby; high-income renter base; 258 units permitted in Berks County in 2024 (27 in 5+ unit buildings).

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.
• Berks County population projected at +3% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 26y ago; this cycle's ask is 150% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $70k; list at $175k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1897 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,000

Questions for the listing agent

1. Built in 1897 — 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 B-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?
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: 1.26% ✓
• Cap rate: 9.33%
• Cash-on-cash: 10.84%
• DSCR: 1.48
• GRM: 6.6

CMA / ARV

• ARV (on-the-fly): $325,620
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
104 Michigan Dr	0.29mi	3/2.5	2,152 (+7%)	0mo	$351,000	$163	68
19 Michigan Dr	0.41mi	3/2.5	1,992 (-1%)	15mo	$336,000	$169	60
78 Michigan Dr	0.40mi	3/2.5	2,025 (+1%)	17mo	$329,000	$162	60
725 Maria	0.47mi	3/2.5	2,020 (+0%)	19mo	$316,000	$156	55
1548 Huron Dr	0.46mi	3/3.0	2,200 (+10%)	1mo	$400,000	$182	54
3311 Wyoming Dr N	0.49mi	3/2.5	1,964 (-2%)	17mo	$330,000	$168	54
374 Oneida Dr	0.42mi	3/3.5	1,974 (-2%)	19mo	$275,000	$139	52
148 Michigan Dr	0.35mi	3/2.5	2,266 (+13%)	11mo	$344,000	$152	47
39 Michigan Dr	0.42mi	3/2.0	2,205 (+10%)	18mo	$340,000	$154	45
1526 Huron Dr	0.52mi	3/2.5	2,268 (+13%)	12mo	$335,000	$148	38
1408 Hillpoint	0.60mi	3/2.5	2,266 (+13%)	11mo	$345,000	$152	36
383 Oneida Dr	0.47mi	3/2.5	1,720 (-14%)	16mo	$325,000	$189	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.0%
• Equity multiple: 1.00×
• Total profit: $-81
• Equity at exit: $26,093

10-year hold

• IRR: 9.7%
• Equity multiple: 1.75×
• Total profit: $36,597
• Equity at exit: $15,131

Cash invested: $49,000 (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 19608

• Home prices YoY: -21.4%
• Active inventory: 89
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,213 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$315 /mo · $3,780/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $443

Break-even live

Break-even rent $1,653

Max offer price $175,000

Occupancy floor 75%

Sensitivity live

Price	-10% $542	-5% $492	+0% $443	+5% $393	+10% $343
Rent	-10% $268	-5% $355	+0% $443	+5% $530	+10% $617
Rate	-1.0pp $531	-0.5pp $487	base $443	+0.5pp $397	+1.0pp $351

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2603 Eisenhower Ct Reading, PA	3.0	2.0	1452	$2,000	$1.38	14d	1	1.30mi

Listing history 3 events

1. 2026-06-18
   days on market $175,000 Coming Soon 2 DOM
2. 2026-06-17
   remarks 699-char remark
3. 2026-06-17
   listed $175,000 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: $3,780 · $315/mo
• Projected year-2 tax: $3,780 · $315/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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 14% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,555
• − Mortgage interest: −$9,803
• − Property taxes: −$3,780
• − Insurance: −$875
• − Repairs & maintenance: −$2,124
• − Management: −$2,124
• − Depreciation: −$5,091
• Taxable income: $2,757
• Est. tax owed @ 24.0%: −$662
• After-tax cash flow: $4,649/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: Wilson SD
• NCES district ID: 4226580
• Math proficiency: 46% ▼ -10.00%
• Reading proficiency: 59% ▼ -11.00%
• Median HH income: $65,787
• Composite: 46.32/100
• National rank: #2471
• State rank: #127 of 539 in PA

Livability — Sinking Spring

• Score: 77/100
• State rank: #346
• US rank: #3047

Category grades

Amenities F Commute F 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: Sinking Spring, PA
• County: Berks County · 195,629 people
• Metro: Reading, PA
• Population (ZIP): 24,178
• Household income: $110,173
• Rent vs Own: 23.4% rent · 76.6% own
• Severe rent burden: 411.0

Population outlook (Berks County) Hauer SSP2

• Today (2025): 425,767 people
• By 2030: 428,814 · +0.7%
• By 2040: 433,463 · +1.8%
• By 2050: 439,426 · +3.2%
• By 2075: 478,647 · +12.4%
• By 2100: 518,507 · +21.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 11% Two or more races 6% Asian 4% Black 4%
• Hispanic origin (detail): Puerto Rican 4% Cuban 1% Dominican 3%
• Common ancestry: Romanian 6% Scandinavian 2% Polish 2%
• Foreign-born: 9% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 7% Other Indo-European 4% Vietnamese 1%

Political lean MEDSL · Berks

• 2024 margin: R (+12.2) · D 43.4% · R 55.6%
• 2008→2024 swing: -21.4pp toward R · 2008: 9.2pp · 2024: -12.2pp
• All cycles: 2024: R+12.2 2020: R+8.2 2016: R+10.2 2012: R+0.6 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -72.86%
• Current HPI: 267.9363
• Rent YoY: —
• Metro: Reading, PA
• 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

+197.8% since first listed

8 events — show timeline

• 2026-06-17 Coming Soon $175,000 BRIGHT MLS
• 2001-05-22 Sold (Public Records) $69,900 Public Records
• 2001-05-17 Sold (MLS) $69,900 BRIGHT MLS
• 2001-04-02 Listing Removed — BRIGHT MLS
• 2001-01-10 Listed $69,900 BRIGHT MLS
• 2000-10-16 Listing Removed — BRIGHT MLS
• 2000-10-16 Listed $74,900 BRIGHT MLS
• 1995-06-19 Sold (Public Records) $58,765 Public Records

Property tax history

+3.4%/yr

Latest (2026): $3,780 · +1.1% YoY. Source: county tax records.