107 W 3rd St · Bridgeport, PA 19405

$187,500

3 bd · 1.0 ba · 858 sqft · Townhouse public records · 48 Days on market

Built 1900 800 sqft lot $219/sqft · 10% below area Est $209k · 10% 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 +20.7/30.0
• ARV discount +12.2/15.0
• DSCR +6.6/10.0
• Schools +5.2/10.0
• 1% rule +5.0/10.0
• Livability +4.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check out this 2 bedroom 1 bathroom row home in the heart of Bridgeport Borough! The bright living room flows seamlessly into the dining area. The kitchen with appliances and cabinetry, exits to a cozy deck and fenced-in backyard. Upstairs, you'll find two nicely sized bedrooms with built-in closets. A full bathroom with a tub/shower combo completes the second floor. While the home offers a more compact layout, it presents a great opportunity for value-add. Located on a quiet street, this home is just a short distance from popular dining spots like Puddlers, Kitchen & Tap by Conshohocken Brewing Company, and more. Easy access to major roadways including Routes 23 and 202, PA Turnpike, and I-76. Schedule an appointment today to see this affordable 2-bedroom home!

Key facts

• Built 1900
• Listed 48 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $188k.

Deal economics

• At list price, monthly cash flow is $-205 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $151k (19.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (0.2% below list).
• Recommended offer: $151k (19.3% below list) — sets the bar for cash-flow.
• Cap rate 7.9% vs local median 4.4% in Bridgeport — 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 82/100 on livability (#135 in PA, #1,076 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A; Watch: schools D-.
• Upper Merion Area SD (suburban): math 49% / reading 67% proficiency, ranked #71 of 539 in PA (top 13%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 20 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,936 units permitted in Montgomery County in 2024 (530 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 $6k of value loss. Plan a longer hold.
• Montgomery County population projected at +5% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 6 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $460/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $151,268 (19.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 1.00% ✗
• Cap rate: 7.93%
• Cash-on-cash: 5.84%
• DSCR: 1.26
• GRM: 8.3

CMA / ARV

• ARV (median comp): $209,318
• List price: $187,500
• Delta: -10.42%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
103 W 3rd St	0.00mi	2/1.0 (-1)	910 (+6%)	2mo	$226,000	$248	83
78 W Rambo St	0.16mi	2/1.0 (-1)	810 (-6%)	6mo	$265,000	$327	74
80 W Rambo St	0.16mi	2/1.0 (-1)	810 (-6%)	9mo	$262,500	$324	70
25 2nd St	0.08mi	2/1.0 (-1)	880 (+3%)	22mo	$153,000	$174	69
312 E Rambo St	0.40mi	2/1.0 (-1)	896 (+4%)	3mo	$305,000	$340	67
513 Prospect Ave	0.41mi	2/1.0 (-1)	896 (+4%)	8mo	$262,100	$293	61
326 E Rambo St	0.42mi	2/1.0 (-1)	896 (+4%)	10mo	$250,000	$279	60
324 E Rambo St	0.42mi	2/1.0 (-1)	896 (+4%)	14mo	$203,000	$227	57
19 E Blackberry Aly	0.74mi	2/1.0 (-1)	850 (-1%)	11mo	$140,000	$165	50
216 E Franklin St	0.52mi	2/1.0 (-1)	924 (+8%)	23mo	$90,000	$97	39

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: -24.0%
• Equity multiple: 0.18×
• Total profit: $-43,179
• Equity at exit: $27,957

10-year hold

• IRR: -18.7%
• Equity multiple: -0.02×
• Total profit: $-53,337
• Equity at exit: $16,212

Cash invested: $52,500 (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 19405

• Home prices YoY: -20.8%
• Active inventory: 20
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,872 high
• Mortgage (P&I): −$983
• Tax from tax record: −$162 /mo · $1,944/yr
• Insurance: −$78
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $-205

Break-even live

Break-even rent $2,131

Max offer price $151,268

Occupancy floor —

Sensitivity live

Price	-10% $-99	-5% $-152	+0% $-205	+5% $-258	+10% $-311
Rent	-10% $-353	-5% $-279	+0% $-205	+5% $-131	+10% $-57
Rate	-1.0pp $-111	-0.5pp $-157	base $-205	+0.5pp $-254	+1.0pp $-303

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: $46,875
• Closing costs: $5,625
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
209 E 9th St Bridgeport, PA	2.0	1.0	657	$1,675	$2.55	44d	1	0.48mi
311 E 4th St Unit 9 Bridgeport, PA	2.0	1.0	900	$1,800	$2.00	25d	1	0.52mi
423 DeKalb St Norristown, PA	2.0	1.0	795	$1,350	$1.70	25d	1	0.58mi
614 Fraley St Bridgeport, PA	2.0	1.5	1036	$2,050	$1.98	44d	1	0.63mi
200 Ross Rd King of Prussia, PA	1.0–2.0	1.0	950	$1,750	$1.84	44d	1	0.66mi
134 W Airy St Norristown, PA	4.0	1.0	1116	$3,036	$2.72	44d	1	0.67mi
515 Cherry St Norristown, PA	3.0	3.0	1100	$1,995	$1.81	25d	1	0.69mi
5 Coates St Bridgeport, PA	2.0	1.5	910	$1,800	$1.98	19d	1	0.77mi
18 Coates St Bridgeport, PA	2.0	1.0	1000	$2,100	$2.10	13d	1	0.80mi
244 Minor St Norristown, PA	2.0	1.0	1098	$1,700	$1.55	44d	1	0.84mi
900 Luxor Ln Norristown, PA	2.0	1.0–2.0	754	$2,070	$2.74	44d	20	1.02mi
1011 New Hope St Norristown, PA	1.0–2.0	1.0	807	$1,810	$2.24	2d	13	1.12mi
708 Carmen Dr Apt B Norristown, PA	2.0	1.0	1000	$1,650	$1.65	22d	1	1.28mi
1115 W Main St Unit 2 Norristown, PA	3.0	1.5	1050	$2,010	$1.91	44d	1	1.28mi
822 Stanbridge St Norristown, PA	1.0–2.0	1.0	775	$1,695	$2.19	44d	1	1.31mi
449 Hamilton St Norristown, PA	2.0	1.0	582	$1,519	$2.61	2d	5	1.33mi
90 Monroe Blvd King of Prussia, PA	1.0–2.0	1.0–2.0	1000	$2,345	$2.35	4d	4	1.33mi
309 W Poplar St Norristown, PA	1.0–2.0	1.0	712	$1,745	$2.45	44d	1	1.39mi
200 Prince Frederick St Unit M3 King of Prussia, PA	2.0	1.0	710	$1,750	$2.46	15d	1	1.41mi
301 E Brown St Unit A9 Norristown, PA	2.0	1.0	1000	$1,595	$1.59	45d	1	1.43mi

Listing history 26 events

1. 2026-06-09
   days on market $187,500 Active 48 DOM
2. 2026-06-08
   days on market $187,500 Active 47 DOM
3. 2026-06-07
   days on market $187,500 Active 46 DOM
4. 2026-06-04
   days on market $187,500 Active 43 DOM
5. 2026-06-03
   days on market $187,500 Active 42 DOM
6. 2026-06-02
   days on market $187,500 Active 41 DOM
7. 2026-06-01
   days on market $187,500 Active 40 DOM
8. 2026-05-31
   days on market $187,500 Active 39 DOM
9. 2026-05-04
   status Active 778-char remark

   Show marketing remark (778 chars)

   Check out this 2 bedroom 1 bathroom row home in the heart of Bridgeport Borough! The bright living room flows seamlessly into the dining area. The kitchen with appliances and cabinetry, exits to a cozy deck and fenced-in backyard. Upstairs, you'll find two nicely sized bedrooms with built-in closets. A full bathroom with a tub/shower combo completes the second floor. While the home offers a more compact layout, it presents a great opportunity for value-add. Located on a quiet street, this home is just a short distance from popular dining spots like Puddlers, Kitchen & Tap by Conshohocken Brewing Company, and more. Easy access to major roadways including Routes 23 and 202, PA Turnpike, and I-76. Schedule an appointment today to see this affordable 2-bedroom home!

10. 2026-04-14
    historical Active Under Contract 778-char remark

    Show marketing remark (778 chars)

    Check out this 2 bedroom 1 bathroom row home in the heart of Bridgeport Borough! The bright living room flows seamlessly into the dining area. The kitchen with appliances and cabinetry, exits to a cozy deck and fenced-in backyard. Upstairs, you'll find two nicely sized bedrooms with built-in closets. A full bathroom with a tub/shower combo completes the second floor. While the home offers a more compact layout, it presents a great opportunity for value-add. Located on a quiet street, this home is just a short distance from popular dining spots like Puddlers, Kitchen & Tap by Conshohocken Brewing Company, and more. Easy access to major roadways including Routes 23 and 202, PA Turnpike, and I-76. Schedule an appointment today to see this affordable 2-bedroom home!

11. 2026-04-02
    listed $187,500 Active 778-char remark

    Show marketing remark (778 chars)

    Check out this 2 bedroom 1 bathroom row home in the heart of Bridgeport Borough! The bright living room flows seamlessly into the dining area. The kitchen with appliances and cabinetry, exits to a cozy deck and fenced-in backyard. Upstairs, you'll find two nicely sized bedrooms with built-in closets. A full bathroom with a tub/shower combo completes the second floor. While the home offers a more compact layout, it presents a great opportunity for value-add. Located on a quiet street, this home is just a short distance from popular dining spots like Puddlers, Kitchen & Tap by Conshohocken Brewing Company, and more. Easy access to major roadways including Routes 23 and 202, PA Turnpike, and I-76. Schedule an appointment today to see this affordable 2-bedroom home!

12. 2024-09-16
    historical $1,750
13. 2024-08-12
    listed $1,750
14. 2024-07-09
    soldstatus $175,000
15. 2018-05-21
    soldstatus $89,000
16. 2018-05-18
    soldstatus $89,000 Sold 347-char remark

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

17. 2018-05-18
    soldstatus $89,000 Closed

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

18. 2018-04-29
    status Pending

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

19. 2018-04-29
    status Under Contract 347-char remark

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

20. 2018-04-24
    listed $130,000 Active 347-char remark

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

21. 2018-04-24
    listed $130,000 Active

    Show marketing remark (347 chars)

    Owner has given instructions to sell this home and sell it fast! A bargain could be had on this well-maintained home in Upper Merion School District. Move-in condition. Low taxes. Great investment opportunity. Seller prefers as-is sale and is willing to reduce price in return for agreement of sale with no contingencies and quick settlement.

22. 2018-04-11
    historical
23. 2018-03-11
    status Pending
24. 2018-01-02
    listed $124,900 Active
25. 2002-10-15
    soldstatus $50,000
26. 1977-12-21
    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: $1,944 · $162/mo
• Projected year-2 tax: $2,453 · $204/mo
• Expected delta: +$509/yr (+$42/mo · 26.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 96% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥101°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 5 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,461
• − Mortgage interest: −$10,503
• − Property taxes: −$1,944
• − Insurance: −$6,463
• − Repairs & maintenance: −$1,797
• − Management: −$1,797
• − Depreciation: −$5,455
• Taxable loss: −$5,496
• Est. tax savings @ 24.0%: +$1,319
• After-tax cash flow: $-1,142/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: Upper Merion Area SD
• NCES district ID: 4224480
• Math proficiency: 49% ▼ -8.00%
• Reading proficiency: 67% ▼ -2.00%
• Median HH income: $77,301
• Composite: 51.96/100
• National rank: #1645
• State rank: #71 of 539 in PA

Livability — Bridgeport

• Score: 82/100
• State rank: #135
• US rank: #1076

Category grades

Amenities C+ Commute A+ 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: Bridgeport, PA
• Population (ZIP): 5,167

Population outlook (Montgomery County) Hauer SSP2

• Today (2025): 856,074 people
• By 2030: 870,887 · +1.7%
• By 2040: 891,195 · +4.1%
• By 2050: 896,417 · +4.7%
• By 2075: 903,212 · +5.5%
• By 2100: 843,240 · -1.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 58% Hispanic / Latino 15% Two or more races 14% Asian 6% Black 3%
• Hispanic origin (detail): Mexican 6% Puerto Rican 7%
• Common ancestry: Romanian 12% Scotch-Irish 5% Slovak 3%
• Foreign-born: 14% · Canada, China
• Languages at home: 83% English-only · Spanish 9% Other Indo-European 4% Russian/Polish/Slavic 1%

Political lean MEDSL · Montgomery

• 2024 margin: Strong D (+22.8) · D 60.9% · R 38.1% · Other 1.1%
• 2008→2024 swing: +2.0pp toward D · 2008: 20.8pp · 2024: 22.8pp
• All cycles: 2024: D+22.8 2020: D+26.3 2016: D+21.1 2012: D+14.3 2008: D+20.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.29%
• Current HPI: 328.9682
• 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

+1239.3% since first listed

18 events — show timeline

• 2026-05-04 Relisted — BRIGHT MLS
• 2026-04-14 Contingent — BRIGHT MLS
• 2026-04-02 Listed $187,500 BRIGHT MLS
• 2024-09-16 Rental Removed $1,750 BRIGHTMLS
• 2024-08-12 Listed for Rent $1,750 BRIGHTMLS
• 2024-07-09 Sold (Public Records) $175,000 Public Records
• 2018-05-21 Sold (Public Records) $89,000 Public Records
• 2018-05-18 Sold (MLS) $89,000 BRIGHT MLS
• 2018-05-18 Sold (MLS) $89,000 TREND
• 2018-04-29 Pending — BRIGHT MLS
• 2018-04-29 Pending — TREND
• 2018-04-24 Listed $130,000 BRIGHT MLS
• 2018-04-24 Listed $130,000 TREND
• 2018-04-11 Listing Removed — BRIGHT MLS
• 2018-03-11 Pending — BRIGHT MLS
• 2018-01-02 Listed $124,900 BRIGHT MLS
• 2002-10-15 Sold (Public Records) $50,000 Public Records
• 1977-12-21 Sold (Public Records) $14,000 Public Records

Property tax history

+2.1%/yr

Latest (2026): $1,944 · +6.4% YoY. Source: county tax records.