639 Columbia Ave · Darby, PA 19023

$169,000

3 bd · 1.0 ba · 1,177 sqft · Townhouse public records · 47 Days on market

Built 1930 1,307 sqft lot $144/sqft · 12% above area Est $152k · 12% over

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Why this score? — see what drove the D 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 +16.2/30.0
• DSCR +5.0/10.0
• Rent growth +5.0/5.0
• 1% rule +4.8/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• ARV discount +2.3/15.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

Key facts

• Built 1930
• Listed 46 days

Property features AI

Finance

• Other: Fee simple ownership

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Natural gas available; Electric available
• Home design: Semi-detached property; Above-grade and below-grade structures
• Construction: Brick construction; Stone foundation; Finished above-grade living area reported by assessor
• Exterior features: 18 x 70 lot dimensions; Not in a federal flood zone

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating (natural gas); Window air conditioning units
• Interior features: Full basement; Two or more access/exit points
• Laundry & utility: Hot water: electric

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $169k.

Deal economics

• At list price, monthly cash flow is $91 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $165k (2.5% below list).
• Recommended offer: $164k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#485 in PA, #4,468 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities D+, employment D, schools F.
• 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.
• Market conditions: Rents rising fast (+13.1%/yr); 99 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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 43% of the median local income ($46k/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 $47k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 47 days — a 3% lower offer ($164k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 27y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $44k; list at $169k implies a 289% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — 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 $163,930 (3.0% below list)

Questions for the listing agent

1. It's been on market 47 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 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.98% ✗
• Cap rate: 6.94%
• Cash-on-cash: 2.30%
• DSCR: 1.10
• GRM: 8.5

CMA / ARV

• ARV (median comp): $151,531
• List price: $169,000
• Delta: 11.53%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
217 N 7th St	0.28mi	3/2.0	1,188 (+1%)	1mo	$140,000	$118	81
902 Maple Ter	0.33mi	3/1.0	1,234 (+5%)	0mo	$114,000	$92	76
104 S 3rd St	0.27mi	3/1.0	1,312 (+12%)	1mo	$150,000	$114	68
422 Darby Ter	0.21mi	3/1.0	1,006 (-14%)	0mo	$185,000	$184	65
1300 Wycombe Ave	0.69mi	3/1.0	1,190 (+1%)	1mo	$129,000	$108	65
123 Spring Valley Rd	0.62mi	3/1.0	1,120 (-5%)	1mo	$180,000	$161	62
1232 Edgehill Rd	0.63mi	3/1.0	1,120 (-5%)	1mo	$214,000	$191	62
412 Pusey Ave	0.73mi	3/1.0	1,202 (+2%)	1mo	$245,000	$204	61
714 Poplar St	0.66mi	3/1.5	1,216 (+3%)	1mo	$94,000	$77	60
219 Laurel Rd	0.39mi	2/1.0 (-1)	1,068 (-9%)	2mo	$160,000	$150	60
306 Berbro St	0.32mi	3/1.5	1,342 (+14%)	2mo	$165,000	$123	58
1339 Park Ln	0.73mi	3/1.0	1,120 (-5%)	2mo	$230,000	$205	56

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: -7.0%
• Equity multiple: 0.73×
• Total profit: $-12,851
• Equity at exit: $25,198

10-year hold

• IRR: 8.1%
• Equity multiple: 1.76×
• Total profit: $36,093
• Equity at exit: $14,612

Cash invested: $47,320 (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 19023

• Rents YoY: 13.1%
• Active inventory: 99
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,648 high
• Mortgage (P&I): −$886
• Tax from tax record: −$255 /mo · $3,055/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $91

Break-even live

Break-even rent $1,533

Max offer price $169,000

Occupancy floor 90%

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
69 S 7th St Darby, PA	3.0	2.0	1446	$1,700	$1.18	43d	1	0.09mi
106 N 6th St Darby, PA	2.0	1.0	1200	$1,550	$1.29	43d	1	0.18mi
700 Pine St Unit 2F Darby, PA	2.0	1.0	1100	$1,250	$1.14	17d	1	0.25mi
209 Hamilton Ave Darby, PA	4.0	1.0	1400	$1,595	$1.14	14d	1	0.26mi
924 Maple Ter Darby, PA	3.0	1.5	1190	$2,000	$1.68	5d	1	0.35mi
909 Springfield Rd Unit D Darby, PA	4.0	1.0	900	$1,600	$1.78	43d	1	0.36mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	10d	1	0.37mi
935 Maple Ter Darby, PA	3.0	1.0	1266	$1,585	$1.25	5d	1	0.37mi
412 S 2nd St Darby, PA	3.0	1.0	1190	$1,100	$0.92	5d	1	0.44mi
417 S 2nd St Darby, PA	3.0	1.0	1190	$1,020	$0.86	5d	1	0.47mi
300 N Front St Darby, PA	2.0	1.0	850	$1,395	$1.64	43d	1	0.50mi
601 Poplar St Sharon Hill, PA	1.0–2.0	1.0	787	$1,599	$2.03	14d	5	0.58mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	800	$1,450	$1.81	10d	1	0.65mi
1300 Main St Unit Basement Darby, PA	2.0	1.0	1000	$1,450	$1.45	24d	1	0.65mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	21d	1	0.69mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	43d	1	0.82mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	21d	1	0.99mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	44d	1	1.02mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	24d	1	1.02mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	24d	1	1.03mi
504 S Lansdowne Ave Lansdowne, PA	2.0	1.0	815	$1,555	$1.91	1d	4	1.15mi
826 Guenther Ave Lansdowne, PA	2.0	1.0–2.0	800	$1,699	$2.12	24d	1	1.22mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	12d	1	1.30mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	17d	1	1.30mi
619 Baily Rd Lansdowne, PA	3.0	1.0	1288	$1,850	$1.44	18d	1	1.30mi
66 Folcroft Ave Folcroft, PA	3.0	1.0	1224	$1,895	$1.55	3d	1	1.48mi

Listing history 41 events

1. 2026-06-18
   days on market $169,000 Active 47 DOM
2. 2026-06-17
   days on market $169,000 Active 46 DOM
3. 2026-06-16
   days on market $169,000 Active 45 DOM
4. 2026-06-15
   days on market $169,000 Active 44 DOM
5. 2026-06-13
   days on market $169,000 Active 42 DOM
6. 2026-06-13
   days on market $169,000 Active 41 DOM
7. 2026-06-09
   days on market $169,000 Active 38 DOM
8. 2026-06-08
   days on market $169,000 Active 37 DOM
9. 2026-06-07
   days on market $169,000 Active 36 DOM
10. 2026-06-04
    days on market $169,000 Active 33 DOM
11. 2026-06-03
    days on market $169,000 Active 32 DOM
12. 2026-06-02
    days on market $169,000 Active 31 DOM
13. 2026-06-01
    days on market $169,000 Active 30 DOM
14. 2026-05-31
    days on market $169,000 Active 29 DOM
15. 2026-05-03
    listed $179,000 Active 1389-char remark
16. 2026-05-03
    historical $179,000 1389-char remark
17. 2025-08-13
    historical
18. 2025-05-17
    listed $175,000 Active
19. 2025-05-13
    historical
20. 2020-03-25
    soldstatus $43,500 Closed

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

21. 2020-03-03
    status Pending

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

22. 2020-02-17
    price $49,900

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

23. 2020-01-23
    price $53,900

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

24. 2020-01-10
    price $56,900

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

25. 2019-11-12
    price $62,500

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

26. 2019-10-30
    price $64,900

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

27. 2019-10-16
    listed $69,900 Active

    Show marketing remark (255 chars)

    Large 3 Bedroom and one bath house in Darby that is in good condtion and needs minor TLC, property is Bankable with FHA. walk into living room and also has dinning room and basic kitchen. 3 large bedrooms and a modern bath. all offers will be presented.

28. 2010-06-14
    historical
29. 2010-06-14
    listed $52,500
30. 2007-11-19
    soldstatus $44,000
31. 2007-09-10
    historical
32. 2007-07-09
    listed $44,000
33. 2007-06-08
    historical
34. 2007-01-17
    listed $58,000
35. 2007-01-17
    historical
36. 2006-07-31
    listed $58,000
37. 2000-10-02
    soldstatus $10,700
38. 2000-05-19
    historical
39. 1999-10-26
    listed $10,700
40. 1986-01-29
    soldstatus $26,000
41. 1981-09-01
    soldstatus $22,500

ⓘ 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: $3,055 · $255/mo
• Projected year-2 tax: $3,055 · $255/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 ≥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 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,776
• − Mortgage interest: −$9,467
• − Property taxes: −$3,055
• − Insurance: −$845
• − Repairs & maintenance: −$1,582
• − Management: −$1,582
• − Depreciation: −$4,916
• Taxable loss: −$1,671
• Est. tax savings @ 24.0%: +$401
• After-tax cash flow: $1,489/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 — Darby

• Score: 74/100
• State rank: #485
• US rank: #4468

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Darby, PA
• County: Delaware County · 399,863 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 22,247
• Household income: $46,463
• Rent vs Own: 47.4% rent · 52.6% own
• Severe rent burden: 1468.0

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 (76%)
• Race & ethnicity: Black 76% White 15% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Swiss 5% Hispanic 1% Romanian 1%
• Foreign-born: 18% · Canada
• Languages at home: 84% English-only · French/Haitian/Cajun 4% Spanish 3% Other Asian/Pacific 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: ▼ -190.50%
• Current HPI: 277.7034
• Rent YoY: ▲ 13.10%
• 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

+651.1% since first listed

28 events — show timeline

• 2026-05-28 Price Changed $169,000 BRIGHT MLS
• 2026-05-03 Listed $179,000 BRIGHT MLS
• 2026-05-03 Coming Soon $179,000 BRIGHT MLS
• 2025-08-13 Listing Removed — BRIGHT MLS
• 2025-05-17 Listed $175,000 BRIGHT MLS
• 2025-05-13 Coming Soon — BRIGHT MLS
• 2020-03-25 Sold (MLS) $43,500 BRIGHT MLS
• 2020-03-03 Pending — BRIGHT MLS
• 2020-02-17 Price Changed $49,900 BRIGHT MLS
• 2020-01-23 Price Changed $53,900 BRIGHT MLS
• 2020-01-10 Price Changed $56,900 BRIGHT MLS
• 2019-11-12 Price Changed $62,500 BRIGHT MLS
• 2019-10-30 Price Changed $64,900 BRIGHT MLS
• 2019-10-16 Listed $69,900 BRIGHT MLS
• 2010-06-14 Listed $52,500 BRIGHT MLS
• 2010-06-14 Listing Removed — BRIGHT MLS
• 2007-11-19 Sold (MLS) $44,000 BRIGHT MLS
• 2007-09-10 Listing Removed — BRIGHT MLS
• 2007-07-09 Listed $44,000 BRIGHT MLS
• 2007-06-08 Listing Removed — BRIGHT MLS
• 2007-01-17 Listing Removed — BRIGHT MLS
• 2007-01-17 Listed $58,000 BRIGHT MLS
• 2006-07-31 Listed $58,000 BRIGHT MLS
• 2000-10-02 Sold (MLS) $10,700 BRIGHT MLS
• 2000-05-19 Listing Removed — BRIGHT MLS
• 1999-10-26 Listed $10,700 BRIGHT MLS
• 1986-01-29 Sold (Public Records) $26,000 Public Records
• 1981-09-01 Sold (Public Records) $22,500 Public Records

Property tax history

+1.2%/yr

Latest (2026): $3,055 · -0.5% YoY. Source: county tax records.