7018 Atlantic Ave · Upper Darby, PA 19082

$169,900

3 bd · 1.0 ba · 928 sqft · Townhouse public records · 2 Days on market

Built 1927 1,307 sqft lot Est $161k · 6% over

---

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 +15.0/30.0
• ARV discount +4.9/15.0
• DSCR +4.6/10.0
• 1% rule +4.4/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 7018 Atlantic Ave! This beautifully renovated 3-bedroom, 1-bathroom home in Upper Darby is packed with features you'll love. The main level offers a bright and inviting living room, dining room, and kitchen, all filled with natural light and enhanced by brand-new luxury vinyl plank flooring throughout. The stunning custom kitchen is the centerpiece of the home, featuring custom cabinetry, quartz countertops, stainless steel appliances, and a stylish tile backsplash. Upstairs, you'll find two spacious bedrooms and a full bathroom, providing comfortable living space and ample storage. The lower level features a legal third bedroom with its own private rear entrance, offering flexib

Key facts

• Built 1927

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer
• Home design: End-of-row townhouse; Fee simple ownership; Finished area above grade recorded by assessor
• Construction: Frame and masonry construction; Stone foundation
• Exterior features: Lot dimensions approximately 16 x 60

Interior

• Bedrooms: Two bedrooms on the first upper level; One bedroom on the first lower level
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating; Natural gas heating and natural gas hot water
• Interior features: Partially finished basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $170k.

Deal economics

• At list price, monthly cash flow is $54 ($651/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 $160k (5.9% below list).
• Recommended offer: $160k (5.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Upper Darby SD (suburban): math 18% / reading 36% proficiency, ranked #453 of 539 in PA (top 84%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising (+1.6%/yr); 129 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 34% of the median local income ($57k/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.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 22y 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 $75k; list at $170k implies a 127% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1927 — 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 $159,839 (5.9% below list)

Questions for the listing agent

1. Built in 1927 — 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. 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?
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: 0.94% ✗
• Cap rate: 6.68%
• Cash-on-cash: 1.37%
• DSCR: 1.06
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $160,544
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7042 Clinton Rd	0.26mi	2/1.0 (-1)	902 (-3%)	2mo	$135,000	$150	77
7023 Guilford Rd	0.34mi	2/1.0 (-1)	868 (-6%)	2mo	$100,000	$115	67
641 Copley Rd	0.34mi	3/1.0	818 (-12%)	4mo	$162,000	$198	61
6993 Guilford Rd	0.32mi	2/1.5 (-1)	840 (-10%)	2mo	$100,000	$119	61
614 Littlecroft Rd	0.36mi	3/1.5	818 (-12%)	2mo	$163,000	$199	60
7043 Radbourne Rd	0.23mi	3/2.0	1,060 (+14%)	2mo	$227,500	$215	60
7273 Guilford Rd	0.51mi	2/1.0 (-1)	876 (-6%)	3mo	$131,000	$150	59
7046 Radbourne Rd	0.21mi	4/1.5 (+1)	1,060 (+14%)	3mo	$183,000	$173	57
312 Wiltshire Rd	0.68mi	2/1.0 (-1)	896 (-3%)	2mo	$155,000	$173	56
513 Woodcliffe Rd	0.49mi	2/1.0 (-1)	841 (-9%)	2mo	$136,500	$162	55
54 Springton Rd	0.60mi	3/1.0	1,040 (+12%)	0mo	$180,000	$173	52
6643 Church Ln	0.70mi	2/1.0 (-1)	832 (-10%)	2mo	$160,000	$192	43

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 · 1.62% rent growth · sell at horizon

5-year hold

• IRR: -15.7%
• Equity multiple: 0.45×
• Total profit: $-26,219
• Equity at exit: $25,333

10-year hold

• IRR: -9.9%
• Equity multiple: 0.43×
• Total profit: $-26,935
• Equity at exit: $14,690

Cash invested: $47,572 (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 19082

• Home prices YoY: -32.1%
• Rents YoY: 1.6%
• Active inventory: 129
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,598 high
• Mortgage (P&I): −$891
• Tax from tax record: −$247 /mo · $2,960/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$336
• Net cashflow: $54

Break-even live

Break-even rent $1,530

Max offer price $169,900

Occupancy floor 92%

Sensitivity live

Price	-10% $150	-5% $102	+0% $54	+5% $6	+10% $-42
Rent	-10% $-72	-5% $-9	+0% $54	+5% $117	+10% $181
Rate	-1.0pp $140	-0.5pp $97	base $54	+0.5pp $10	+1.0pp $-35

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7116 Seaford Rd Upper Darby, PA	2.0	1.0	996	$1,600	$1.61	44d	1	0.11mi
7111 Greenwood Ave Upper Darby, PA	3.0	1.5	1064	$1,800	$1.69	44d	1	0.18mi
7139 Greenwood Ave Upper Darby, PA	3.0	1.0	1064	$1,600	$1.50	25d	1	0.20mi
7026 Clinton Rd Upper Darby, PA	2.0	1.5	902	$1,650	$1.83	44d	1	0.28mi
6965 Clinton Rd Upper Darby, PA	2.0	1.0	986	$1,675	$1.70	44d	1	0.29mi
702 Copley Rd Upper Darby, PA	3.0	1.0	1044	$1,750	$1.68	25d	1	0.29mi
7050 Clinton Rd Upper Darby, PA	2.0	1.0	977	$1,550	$1.59	44d	1	0.29mi
124 Lexington Ave Unit 2 Lansdowne, PA	2.0	1.0	1000	$1,500	$1.50	3d	1	0.33mi
671 Long Ln Unit B Upper Darby Township, PA	2.0	1.5	850	$1,300	$1.53	25d	1	0.38mi
7147 Radbourne Rd Upper Darby, PA	3.0	1.0	1096	$1,850	$1.69	13d	1	0.52mi
444 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	6d	1	0.55mi
411 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	21d	1	0.59mi
430 Glendale Rd Upper Darby, PA	3.0	1.0	1090	$1,650	$1.51	22d	1	0.59mi
608 Yeadon Ave Unit 2nd Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	13d	1	0.65mi
608 Yeadon Ave Unit 1st Floor Yeadon, PA	2.0	1.0	1000	$1,400	$1.40	18d	1	0.65mi
16 N Rigby Ave Unit 3 Lansdowne, PA	2.0	1.0	656	$1,245	$1.90	44d	1	0.76mi
826 Guenther Ave Lansdowne, PA	2.0	1.0–2.0	800	$1,699	$2.12	25d	1	0.86mi
35 Elberon Ave Unit 2 Lansdowne, PA	2.0	1.0	900	$1,695	$1.88	25d	1	0.94mi
810 Rundale Ave Lansdowne, PA	2.0	1.0	868	$1,500	$1.73	25d	1	0.97mi
130 Garrett Rd Upper Darby, PA	2.0	1.0	675	$999	$1.48	6d	2	1.10mi
5 W Plumstead Ave Unit 1 Lansdowne, PA	2.0	1.0	1100	$1,550	$1.41	25d	1	1.15mi
504 S Lansdowne Ave Lansdowne, PA	2.0	1.0	815	$1,555	$1.91	2d	4	1.24mi
101 W Baltimore Ave Unit H4 Lansdowne, PA	2.0	1.0	925	$1,449	$1.57	22d	1	1.25mi
101 W Baltimore Ave Unit B04 Lansdowne, PA	2.0	1.0	925	$1,469	$1.59	25d	1	1.25mi
7100 W Chester Pike Upper Darby Township, PA	1.0–2.0	1.0	770	$1,315	$1.71	25d	5	1.27mi
37 Concord Rd Darby, PA	3.0	1.0	1120	$1,795	$1.60	44d	1	1.41mi
83 S State Rd Unit B502 Upper Darby Township, PA	2.0	1.0	800	$1,289	$1.61	2d	1	1.47mi

Listing history 3 events

1. 2026-06-18
   days on market $169,900 Active 2 DOM
2. 2026-06-17
   remarks 699-char remark
3. 2026-06-17
   listed $169,900 Active 1 DOM

ⓘ 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: $2,960 · $247/mo
• Projected year-2 tax: $2,960 · $247/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 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 3 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,181
• − Mortgage interest: −$9,517
• − Property taxes: −$2,960
• − Insurance: −$850
• − Repairs & maintenance: −$1,534
• − Management: −$1,534
• − Depreciation: −$4,943
• Taxable loss: −$2,158
• Est. tax savings @ 24.0%: +$518
• After-tax cash flow: $1,169/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 Darby SD
• NCES district ID: 4224320
• Math proficiency: 18% ▼ -8.00%
• Reading proficiency: 36% ▼ -10.00%
• Median HH income: $50,341
• Composite: 23.68/100
• National rank: #7837
• State rank: #453 of 539 in PA

Livability — Upper Darby

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Delaware County · 399,863 people
• City population: 41,541
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 41,541
• Household income: $57,108
• Rent vs Own: 50.7% rent · 49.3% own
• Severe rent burden: 2416.0

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: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Black 44% White 21% Asian 17% Hispanic / Latino 13% Two or more races 5%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Hispanic 2% Swiss 2% Romanian 1%
• Foreign-born: 34% · Canada, Vietnam, South Korea
• Languages at home: 62% English-only · Spanish 11% Other Indo-European 10% French/Haitian/Cajun 5%

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: ▼ -161.05%
• Current HPI: 341.2957
• Rent YoY: ▲ 1.62%
• 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

+553.5% since first listed

5 events — show timeline

• 2026-06-16 Listed $169,900 BRIGHT MLS
• 2021-10-05 Sold (Public Records) $75,000 Public Records
• 2004-06-10 Listing Removed — BRIGHT MLS
• 2004-04-08 Listed $68,500 BRIGHT MLS
• 1981-10-13 Sold (Public Records) $26,000 Public Records

Property tax history

+4.2%/yr

Latest (2026): $2,960 · +7.7% YoY. Source: county tax records.