1348 W 7th St · Chester, PA 19013

$94,900

3 bd · 1.0 ba · 1,392 sqft · Townhouse public records · 30 Days on market

Built 1972 1,742 sqft lot Est $157k · 40% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +4.2/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Investor Alert! Great 3 bedroom for sale with front porch, rear off street parking and small front 2nd floor porch. Large unfinished basement. Being sold in as-is condition.

Key facts

• Front porch
• Built 1972
• Listed 30 days

Tags

• FRONT PORCH
• REAR OFF STREET PARKING
• SMALL FRONT 2ND FLOOR PORCH
• LARGE UNFINISHED BASEMENT

Property features AI

Finance

• Financial info: Improvement assessed value listed; Land assessed value listed; Tax assessed value listed

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Finished above-grade area reported (assessor)
• Construction: Frame and masonry construction; Other foundation type; Other above- and below-grade structures; Year built reported by assessor
• Exterior features: Lot dimensions approximately 18 x 115; No tidal water

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom on the main level; One full bathroom total
• Heating & cooling: Natural gas heating; Natural gas hot water
• Interior features: No basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $95k.

Deal economics

• At list price, monthly cash flow is $439 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $93k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 7.5% in Chester — 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 73/100 on livability (#540 in PA) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, crime F, employment F.
• Chester-Upland SD (suburban): math 4% / reading 17% proficiency, ranked #533 of 539 in PA (top 99%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 81% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.9%/yr); 138 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).
• At $1,589/mo this rent would consume 46% of the median local household income ($41k/yr) (locally 2668% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $656 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.9% rent growth), your $27k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($93k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 3.5% of price.
• 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 $93,476 (1.5% below list)

Questions for the listing agent

1. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
7. 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.
8. 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: 1.67% ✓
• Cap rate: 11.84%
• Cash-on-cash: 19.81%
• DSCR: 1.88
• GRM: 5.0

CMA / ARV

• ARV (on-the-fly): $157,296
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1340 W 7th St	0.01mi	3/1.0	1,392 (0%)	0mo	$179,000	$129	99
710 Lamokin St	0.10mi	3/2.0	1,376 (-1%)	1mo	$185,000	$134	89
606 Norris St	0.06mi	3/1.0	1,188 (-15%)	2mo	$149,500	$126	71
720 W 11th St	0.56mi	3/1.5	1,488 (+7%)	0mo	$185,000	$124	60
321 Tilghman St	0.25mi	3/1.0	1,600 (+15%)	5mo	$71,000	$44	59
1101 Parker St	0.67mi	3/1.0	1,480 (+6%)	3mo	$130,000	$88	56
803 W Mary St	0.51mi	4/1.5 (+1)	1,256 (-10%)	4mo	$135,000	$107	50
715 Engle St	0.54mi	3/2.0	1,268 (-9%)	10mo	$130,000	$103	48
616 W 6th St	0.55mi	3/1.5	1,584 (+14%)	3mo	$130,000	$82	47
2314 W 3rd St	0.70mi	3/2.0	1,250 (-10%)	1mo	$159,000	$127	46
1027 Butler St	0.54mi	3/1.5	1,200 (-14%)	6mo	$136,000	$113	45
612 W 8th St	0.56mi	2/1.0 (-1)	1,188 (-15%)	7mo	$47,000	$40	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 · 6.88% rent growth · sell at horizon

5-year hold

• IRR: 16.9%
• Equity multiple: 1.72×
• Total profit: $19,132
• Equity at exit: $14,150

10-year hold

• IRR: 28.5%
• Equity multiple: 4.08×
• Total profit: $81,787
• Equity at exit: $8,205

Cash invested: $26,572 (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 19013

• Rents YoY: 6.9%
• Active inventory: 138
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,589 high
• Mortgage (P&I): −$498
• Tax from tax record: −$279 /mo · $3,351/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $439

Break-even live

Break-even rent $1,034

Max offer price $94,900

Occupancy floor 67%

Sensitivity live

Price	-10% $492	-5% $466	+0% $439	+5% $412	+10% $385
Rent	-10% $313	-5% $376	+0% $439	+5% $501	+10% $564
Rate	-1.0pp $487	-0.5pp $463	base $439	+0.5pp $414	+1.0pp $389

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
925 W 3rd St Chester, PA	4.0	1.0	1500	$1,700	$1.13	19d	1	0.39mi
2106 W 4th St Unit 2 Chester, PA	2.0	1.0	1736	$1,100	$0.63	44d	1	0.54mi
2104 N Williams Cir Chester, PA	4.0	1.5	1540	$1,895	$1.23	44d	1	0.58mi
418 Penn St Chester, PA	3.0	1.0	1250	$1,350	$1.08	44d	1	0.85mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	990	$1,000	$1.01	21d	1	0.96mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	1829	$1,000	$0.55	44d	1	0.96mi
2723 W 3rd St Unit 1F Chester, PA	4.0	1.5	1800	$1,425	$0.79	25d	1	0.98mi
2723 W 3rd St Unit 1F Chester, PA	4.0	1.5	1800	$1,425	$0.79	6d	1	0.98mi
2723 W 3rd St Unit 1F Chester, PA	4.0	1.5	1800	$1,425	$0.79	21d	1	0.98mi
2723 W 3rd St Unit 1F Chester, PA	4.0	1.5	1800	$1,500	$0.83	44d	1	0.98mi
2832 W 6th St Unit 306 Chester, PA	3.0	1.0	1428	$1,500	$1.05	5d	1	1.03mi
1315 Harshaw Rd Brookhaven, PA	3.0	2.5	1260	$2,395	$1.90	2d	1	1.11mi
2717 Bethel Rd Chester, PA	3.0	1.0	1785	$1,350	$0.76	6d	1	1.12mi
1224 Elson Rd Brookhaven, PA	3.0	2.0	1200	$1,900	$1.58	18d	1	1.13mi
330 W 21st St Chester, PA	3.0	1.0	1152	$1,500	$1.30	44d	1	1.24mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	22d	1	1.31mi
206 W Parkway Ave Chester, PA	2.0	1.0	1666	$1,450	$0.87	25d	1	1.36mi
814 Upland St Chester, PA	3.0	1.0	1344	$1,525	$1.13	8d	1	1.37mi
125 W 21st St Chester, PA	4.0	1.5	1152	$1,850	$1.61	25d	1	1.45mi
1012 Potter St Chester, PA	4.0	1.0	1536	$1,650	$1.07	44d	1	1.47mi
1016 Potter St Chester, PA	4.0	1.5	1536	$1,750	$1.14	25d	1	1.47mi

Listing history 15 events

1. 2026-06-18
   days on market $94,900 Active 30 DOM
2. 2026-06-17
   pricedays on market $94,900 Active 29 DOM
3. 2026-06-16
   days on market $99,900 Active 28 DOM
4. 2026-06-15
   days on market $99,900 Active 27 DOM
5. 2026-06-13
   days on market $99,900 Active 25 DOM
6. 2026-06-13
   days on market $99,900 Active 24 DOM
7. 2026-06-09
   days on market $99,900 Active 21 DOM
8. 2026-06-08
   days on market $99,900 Active 20 DOM
9. 2026-06-07
   days on market $99,900 Active 19 DOM
10. 2026-06-04
    days on market $99,900 Active 16 DOM
11. 2026-06-03
    days on market $99,900 Active 15 DOM
12. 2026-06-02
    days on market $99,900 Active 14 DOM
13. 2026-06-01
    days on market $99,900 Active 13 DOM
14. 2026-05-31
    days on market $99,900 Active 12 DOM
15. 2026-05-19
    listed $99,900 Active

ⓘ 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: $3,351 · $279/mo
• Projected year-2 tax: $3,351 · $279/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 ≥105°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 · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,066
• − Mortgage interest: −$5,316
• − Property taxes: −$3,351
• − Insurance: −$474
• − Repairs & maintenance: −$1,525
• − Management: −$1,525
• − Depreciation: −$2,761
• Taxable income: $4,113
• Est. tax owed @ 24.0%: −$987
• After-tax cash flow: $4,278/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: Chester-Upland SD
• NCES district ID: 4205860
• Math proficiency: 4% ▼ -3.00%
• Reading proficiency: 17% ▼ -6.00%
• Median HH income: $29,790
• Composite: 8.05/100
• National rank: #9918
• State rank: #533 of 539 in PA

Livability — Chester

• Score: 73/100
• State rank: #540
• US rank: #5053

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chester, PA
• County: Delaware County · 399,863 people
• City population: 35,064
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 35,064
• Household income: $41,261
• Rent vs Own: 61.0% rent · 39.0% own
• Severe rent burden: 2668.0

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 (71%)
• Race & ethnicity: Black 71% White 14% Hispanic / Latino 9% Two or more races 4%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Romanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 6%

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: ▼ -149.69%
• Current HPI: 219.5173
• Rent YoY: ▲ 6.88%
• 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

1 event — show timeline

• 2026-05-19 Listed $99,900 BRIGHT MLS

Property tax history

+19.4%/yr

Latest (2026): $3,351 · +143.3% YoY. Source: county tax records.