1228 Clover Ln · Chester, PA 19013

$82,500

3 bd · 1.5 ba · 1,114 sqft · Townhouse public records · 39 Days on market

Built 1930 2,178 sqft lot $74/sqft · 40% below area Est $138k · 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

This end-of-row townhouse is a great investment opportunity with strong value-add potential. Offering 1,114 sq. ft. , this 3-bedroom, 1-bathroom home is ready for renovation and customization. The solid brick construction provides lasting durability, and a brand-new roof installed in 2025 adds major value and peace of mind for future owners or tenants. The enclosed patio offers additional outdoor space, while the low-maintenance exterior helps keep ongoing costs down. Located in a growing neighborhood with strong rental demand, this property is ideal for investors looking to generate cash flow and build equity through strategic updates. Don’t miss the chance to unlock this property&rs

Key facts

• Built 1930
• Listed 38 days

Property features AI

Finance

• Other: Pets allowed with no pet restrictions
• Financial info: Fee simple ownership; Property listed as needing major rehabilitation
• HOA & community:

Exterior

• Parking: On-street parking
• Security:
• Utilities: Public water; Public sewer; Natural gas available; Sewer available; Water available
• Home design: End of row townhouse; Estimated year built
• Construction: Brick construction; Brick/mortar foundation; Shingle roof
• Exterior features: Enclosed patio or porch; Patio(s)

Interior

• Kitchen:
• Bedrooms: Three bedrooms on the main level
• Flooring:
• Bathrooms: One full bathroom (main level)
• Heating & cooling: 90% forced air heating; Natural gas heating fuel; 60+ gallon hot water tank; 100 amp electric service
• Interior features: Drywall walls and ceilings; Unfinished basement; Two total levels; Six total rooms; Not in a federal flood zone; Accessible with 2+ access exits
• Laundry & utility:

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $82k.

Deal economics

• At list price, monthly cash flow is $477 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $82k).
• Recommended offer: $80k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.2% 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; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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).
• This rent runs 42% of the median local income ($41k/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 $570 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.9% rent growth), your $23k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($80k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $26k; list at $82k implies a 211% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.0% of price; 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 $80,025 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.77% ✓
• Cap rate: 13.24%
• Cash-on-cash: 24.80%
• DSCR: 2.10
• GRM: 4.7

CMA / ARV

• ARV (median comp): $137,770
• List price: $82,500
• Delta: -40.12%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3011 W 7th St	0.36mi	3/1.0	1,088 (-2%)	3mo	$120,000	$110	75
3339 Carter Ln	0.07mi	3/1.5	1,216 (+9%)	11mo	$170,000	$140	73
1200 Pine Ln	0.08mi	3/1.0	1,013 (-9%)	10mo	$189,148	$187	71
1305 Highland Ave	0.20mi	3/1.0	1,210 (+9%)	4mo	$125,000	$103	70
1326 Renshaw Rd	0.16mi	3/1.5	1,216 (+9%)	11mo	$172,000	$141	68
1405 Highland Ave	0.21mi	4/1.0 (+1)	1,210 (+9%)	4mo	$60,000	$50	65
2611 W 6th St	0.54mi	3/1.0	1,172 (+5%)	1mo	$72,000	$61	63
2624 Mccarey St	0.37mi	3/1.0	1,210 (+9%)	6mo	$75,000	$62	62
2603 Swarts St	0.36mi	3/1.0	1,196 (+7%)	11mo	$140,000	$117	60
2719 Bethel Rd	0.42mi	3/1.0	1,210 (+9%)	9mo	$71,500	$59	56
2610 W 7th St	0.49mi	3/1.0	1,280 (+15%)	2mo	$81,000	$63	49
715 Engle St	0.73mi	3/2.0	1,268 (+14%)	10mo	$130,000	$103	33

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: 23.0%
• Equity multiple: 2.00×
• Total profit: $23,047
• Equity at exit: $12,301

10-year hold

• IRR: 33.6%
• Equity multiple: 4.72×
• Total profit: $85,912
• Equity at exit: $7,133

Cash invested: $23,100 (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: 4.7×

Monthly cashflow live

• Estimated rent: $1,461 high
• Mortgage (P&I): −$433
• Tax from tax record: −$210 /mo · $2,516/yr
• Insurance: −$34
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $477

Break-even live

Break-even rent $857

Max offer price $82,500

Occupancy floor 62%

Sensitivity live

Price	-10% $524	-5% $501	+0% $477	+5% $454	+10% $431
Rent	-10% $362	-5% $420	+0% $477	+5% $535	+10% $593
Rate	-1.0pp $519	-0.5pp $498	base $477	+0.5pp $456	+1.0pp $434

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: $20,625
• Closing costs: $2,475
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	22d	1	0.09mi
1107-1115 Keystone Rd Chester, PA	2.0	1.0	700	$1,250	$1.79	44d	1	0.17mi
1006 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	25d	1	0.21mi
908 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	44d	1	0.23mi
906 Keystone Rd Chester, PA	2.0	1.0	800	$1,200	$1.50	22d	1	0.23mi
906 Keystone Rd Unit 1 Chester, PA	2.0	1.0	800	$1,200	$1.50	25d	1	0.23mi
2832 W 6th St Unit 306 Chester, PA	3.0	1.0	1428	$1,500	$1.05	5d	1	0.40mi
1127 Ward St Chester, PA	2.0	1.0	800	$1,250	$1.56	8d	1	0.44mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	990	$1,000	$1.01	21d	1	0.54mi
151 Chadwick Ave Marcus Hook, PA	3.0	1.5	1080	$1,600	$1.48	11d	1	1.18mi
130 Harvey Ave Unit 1 Linwood, PA	3.0	1.0	1173	$1,750	$1.49	10d	1	1.23mi
119 E Laughead Ave Marcus Hook, PA	3.0	1.5	1080	$1,530	$1.42	4d	1	1.23mi
117 Ervin Ave Marcus Hook, PA	3.0	1.5	720	$1,595	$2.22	21d	1	1.24mi
1015 McClenahan Ter Marcus Hook, PA	3.0	2.5	1456	$2,400	$1.65	11d	1	1.30mi
1315 Harshaw Rd Brookhaven, PA	3.0	2.5	1260	$2,395	$1.90	2d	1	1.34mi
1224 Elson Rd Brookhaven, PA	3.0	2.0	1200	$1,900	$1.58	18d	1	1.41mi

Listing history 17 events

1. 2026-06-18
   days on market $82,500 Active 39 DOM
2. 2026-06-17
   days on market $82,500 Active 38 DOM
3. 2026-06-16
   days on market $82,500 Active 37 DOM
4. 2026-06-15
   days on market $82,500 Active 36 DOM
5. 2026-06-13
   days on market $82,500 Active 34 DOM
6. 2026-06-13
   days on market $82,500 Active 33 DOM
7. 2026-06-09
   days on market $82,500 Active 30 DOM
8. 2026-06-08
   days on market $82,500 Active 29 DOM
9. 2026-06-07
   days on market $82,500 Active 28 DOM
10. 2026-06-04
    days on market $82,500 Active 25 DOM
11. 2026-06-03
    days on market $82,500 Active 24 DOM
12. 2026-06-02
    days on market $82,500 Active 23 DOM
13. 2026-06-02
    price $82,500 Active 22 DOM
14. 2026-06-01
    days on market $85,000 Active 22 DOM
15. 2026-05-31
    days on market $85,000 Active 21 DOM
16. 2026-05-11
    listed $85,000 Active 960-char remark
17. 1993-12-17
    soldstatus $26,500

ⓘ 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: $2,516 · $210/mo
• Projected year-2 tax: $2,516 · $210/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 ≥104°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: $17,529
• − Mortgage interest: −$4,621
• − Property taxes: −$2,516
• − Insurance: −$412
• − Repairs & maintenance: −$1,402
• − Management: −$1,402
• − Depreciation: −$2,400
• Taxable income: $4,775
• Est. tax owed @ 24.0%: −$1,146
• After-tax cash flow: $4,582/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

+211.3% since first listed

3 events — show timeline

• 2026-06-01 Price Changed $82,500 BRIGHT MLS
• 2026-05-11 Listed $85,000 BRIGHT MLS
• 1993-12-17 Sold (Public Records) $26,500 Public Records

Property tax history

+21.8%/yr

Latest (2026): $2,516 · +143.3% YoY. Source: county tax records.