820 Fern St · Yeadon, PA 19050

$170,000

3 bd · 2.5 ba · 1,982 sqft · SingleFamily public records · 11 Days on market

Built 1928 2,614 sqft lot Est $315k · 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 +24.5/30.0
• ARV discount +15.0/15.0
• DSCR +7.9/10.0
• 1% rule +6.3/10.0
• Rent growth +4.7/5.0
• Livability +3.9/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City.. It's Your Move!

Key facts

• Tree lined street
• Private parking
• Fenced in garden

Tags

• WALK OUT BASEMENT
• PRIVATE PARKING
• FENCED IN GARDEN
• ENCLOSED FRONT PORCH
• TREE LINED STREET

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $349 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 8.8% vs local median 2.5% in Yeadon — 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 (#364 in PA, #3,181 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A; Watch: amenities D+.
• William Penn SD (suburban): math 11% / reading 28% proficiency, ranked #491 of 539 in PA (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: W B Evans Magnet Sch (math 8% / reading 42%, grade F, #1,176 of 1,518 statewide, top 78%, 319 students, 100% FRL); Penn Wood Ms (math 5% / reading 28%, grade F, #463 of 512 statewide, top 91%, 683 students, 100% FRL); Penn Wood Hs (math 25% / reading 15%, grade F, #387 of 437 statewide, top 89%, 1,170 students, 95% FRL) — zoned schools average 98% FRL vs 69% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+8.9%/yr); 96 active listings in the ZIP; 13 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 38% of the median local income ($61k/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 $48k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 8y 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 $145k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1928 — 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 $170,000

Questions for the listing agent

1. Built in 1928 — 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.13% ✓
• Cap rate: 8.75%
• Cash-on-cash: 8.79%
• DSCR: 1.39
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $315,138
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
611 Parkview Blvd	0.56mi	3/2.5	1,816 (-8%)	9mo	$385,000	$212	53
6745 Greenway Ave	0.68mi	4/1.0 (+1)	2,000 (+1%)	4mo	$85,000	$43	52
622 W Cobbs Creek Pkwy	0.27mi	3/2.5	1,712 (-14%)	22mo	$326,000	$190	46
1305 Longacre Blvd N	0.48mi	3/1.5	2,276 (+15%)	8mo	$350,000	$154	42
663 Fern St	0.24mi	4/1.5 (+1)	1,716 (-13%)	21mo	$350,000	$204	40
509 Holly Rd	0.56mi	4/2.0 (+1)	2,160 (+9%)	17mo	$310,000	$144	38
633 Penn St	0.74mi	3/1.5	2,057 (+4%)	22mo	$265,000	$129	37
912 Allen Dr	0.69mi	3/1.5	1,795 (-9%)	22mo	$285,000	$159	30

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: 2.5%
• Equity multiple: 1.10×
• Total profit: $4,880
• Equity at exit: $25,348

10-year hold

• IRR: 16.5%
• Equity multiple: 2.67×
• Total profit: $79,349
• Equity at exit: $14,698

Cash invested: $47,600 (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 19050

• Rents YoY: 8.9%
• Active inventory: 96
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,928 high
• Mortgage (P&I): −$891
• Tax est. 1.5%: −$212 /mo · $2,550/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $349

Break-even live

Break-even rent $1,487

Max offer price $170,000

Occupancy floor 77%

Sensitivity live

Price	-10% $466	-5% $407	+0% $349	+5% $290	+10% $231
Rent	-10% $196	-5% $272	+0% $349	+5% $425	+10% $501
Rate	-1.0pp $434	-0.5pp $392	base $349	+0.5pp $305	+1.0pp $260

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1200 Angora Dr Lansdowne, PA	3.0	1.0	1530	$2,300	$1.50	7d	1	0.24mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	20d	1	0.55mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	7d	1	1.07mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	12d	1	1.07mi
6839 Radbourne Rd Upper Darby, PA	3.0	1.5	1242	$1,750	$1.41	26d	1	1.17mi
624 Briarcliff Rd Unit MAIN UNIT Upper Darby Township, PA	3.0	1.0	1307	$1,700	$1.30	26d	1	1.21mi
624 Briarcliff Rd Upper Darby, PA	3.0	1.0	1307	$1,700	$1.30	45d	1	1.21mi
94 S 6th St Darby, PA	3.0	1.5	1666	$2,000	$1.20	26d	1	1.25mi
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	45d	1	1.28mi
110 N Union Ave Lansdowne, PA	4.0	1.5	1678	$2,345	$1.40	22d	1	1.34mi
304 S 3rd St Darby, PA	3.0	1.0	1602	$1,595	$1.00	22d	1	1.39mi
304 S 3rd St Darby, PA	3.0	1.0	1602	$1,695	$1.06	45d	1	1.39mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	16d	1	1.42mi

Listing history 13 events

1. 2026-04-09
   status Pending
2. 2026-03-20
   historical Active Under Contract
3. 2026-03-09
   listed $170,000 Active
4. 2018-05-30
   soldstatus $145,000
5. 2018-05-24
   soldstatus $145,000 Sold 802-char remark

   Show marketing remark (803 chars)

   If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

6. 2018-05-24
   soldstatus $145,000 Closed 803-char remark

   Show marketing remark (803 chars)

   If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

7. 2018-04-09
   historical Active Under Contract 803-char remark

   Show marketing remark (803 chars)

   If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

8. 2018-04-09
   historical Contingent - Other 802-char remark

   Show marketing remark (803 chars)

   If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

9. 2018-04-09
   status Active 803-char remark

   Show marketing remark (803 chars)

   If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

10. 2018-04-07
    historical 803-char remark

    Show marketing remark (803 chars)

    If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

11. 2018-03-12
    listed $148,900 Active 802-char remark

    Show marketing remark (803 chars)

    If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

12. 2018-03-12
    listed $148,900 Active 803-char remark

    Show marketing remark (803 chars)

    If you want a Spacious Home, look no further. This well kept 3 Bedroom 2.5 Bath Stone and Brick straight thru Twin with a Finished walk out Basement has it all. This home has a newer heating system and replacement windows. The Modern Eat In updated Kitchen has Custom Granite Counters. A Bright Sunny Dining Room opens up into a Living Room with Den, outside exit to the front patio. The Hardwood floors are Beautiful. The 2nd floor has three good size Bedrooms and ceramic tile Hall Bathroom. The Main Bedroom has a separate updated Bathroom. The Finished Basement has a Powder Room, laundry area, exit to off-street parking and fenced rear yard. This Home shows pride of ownership. Great location convenient for shopping, public transportation, Philadelphia Airport and Center City. . It's Your Move!

13. 1982-12-15
    soldstatus $44,000

ⓘ 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 ≥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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,142
• − Mortgage interest: −$9,523
• − Property taxes: −$2,550
• − Insurance: −$850
• − Repairs & maintenance: −$1,851
• − Management: −$1,851
• − Depreciation: −$4,945
• Taxable income: $1,571
• Est. tax owed @ 24.0%: −$377
• After-tax cash flow: $3,807/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: William Penn SD
• NCES district ID: 4226390
• Math proficiency: 11% ▼ -3.00%
• Reading proficiency: 28% ▼ -7.00%
• Median HH income: $48,543
• Composite: 17.29/100
• National rank: #9086
• State rank: #491 of 539 in PA

Livability — Yeadon

• Score: 77/100
• State rank: #364
• US rank: #3181

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yeadon, PA
• County: Delaware County · 399,863 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 29,373
• Household income: $60,859
• Rent vs Own: 41.5% rent · 58.5% own
• Severe rent burden: 1738.0

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 (67%)
• Race & ethnicity: Black 67% White 22% Two or more races 5% Hispanic / Latino 5% Asian 2%
• Common ancestry: Swiss 4% Hispanic 3% Lithuanian 1%
• Foreign-born: 17% · Canada, United Kingdom, Vietnam
• Languages at home: 84% English-only · French/Haitian/Cajun 5% Spanish 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: ▼ -202.83%
• Current HPI: 287.6419
• Rent YoY: ▲ 8.87%
• 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

+286.4% since first listed

13 events — show timeline

• 2026-04-09 Pending — BRIGHT MLS
• 2026-03-20 Contingent — BRIGHT MLS
• 2026-03-09 Listed $170,000 BRIGHT MLS
• 2018-05-30 Sold (Public Records) $145,000 Public Records
• 2018-05-24 Sold (MLS) $145,000 BRIGHT MLS
• 2018-05-24 Sold (MLS) $145,000 TREND
• 2018-04-09 Contingent — BRIGHT MLS
• 2018-04-09 Contingent — TREND
• 2018-04-09 Relisted — BRIGHT MLS
• 2018-04-07 Listing Removed — BRIGHT MLS
• 2018-03-12 Listed $148,900 BRIGHT MLS
• 2018-03-12 Listed $148,900 TREND
• 1982-12-15 Sold (Public Records) $44,000 Public Records

Property tax history

+7.0%/yr

Latest (2026): $13,229 · +52.8% YoY. Source: county tax records.