59 N Keystone Ave · Upper Darby, PA 19082

$130,000

2 bd · 1.0 ba · 1,075 sqft · Townhouse public records · 26 Days on market

Built 1913 1,742 sqft lot Est $214k · 39% 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 +22.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +6.2/10.0
• 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 MLS

2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

Key facts

• Air conditioning
• Front porch
• Small fenced yard

Tags

• LVP FLOORING
• EAT-IN KITCHEN
• FRONT PORCH
• SMALL FENCED YARD
• AIR CONDITIONING
• BASEMENT

Property features AI

Finance

• Other: Not in a federal flood zone

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Electric cooling fuel; Natural gas for heating and hot water
• Home design: Interior townhouse/rowhouse; Flat roof; Fee simple ownership; Estimated year built
• Construction: Brick construction; Stone foundation; Full unfinished basement
• Exterior features: Exterior lighting; Street lights; Sidewalks

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: 2 bedrooms on the first upper level
• Flooring: Ceramic tile; Luxury vinyl plank
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (natural gas); Central air conditioning
• Interior features: Tub with shower; Combination kitchen and dining area; Eat-in kitchen

🏷️ Possibly a rental listed for sale. The $130,000 price doesn't fit this home's estimated sale value (~$213,925) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $130k.

Deal economics

• At list price, monthly cash flow is $215 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $128k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — 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; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 31% 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 $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 5y 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 $60k; list at $130k implies a 117% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1913 — 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 $128,050 (1.5% below list)

Questions for the listing agent

1. Built in 1913 — 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. 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.
4. 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.
5. 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: 1.12% ✓
• Cap rate: 8.28%
• Cash-on-cash: 7.08%
• DSCR: 1.31
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $213,925
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
138 Richfield Rd	0.44mi	3/1.0 (+1)	1,152 (+7%)	2mo	$151,000	$131	60
1314 Farrington Rd	0.52mi	3/2.0 (+1)	1,120 (+4%)	2mo	$267,000	$238	58
7649 Malvern Ave	0.64mi	3/1.5 (+1)	1,120 (+4%)	3mo	$250,000	$223	54
206 Heather Rd	0.60mi	3/1.5 (+1)	1,122 (+4%)	5mo	$236,000	$210	54
309 Margate Rd	0.69mi	3/1.0 (+1)	1,132 (+5%)	1mo	$165,000	$146	53
9 Berbro Ave	0.36mi	3/2.0 (+1)	1,188 (+10%)	5mo	$299,000	$252	53
1374 Kimberly Dr	0.67mi	3/2.0 (+1)	1,120 (+4%)	2mo	$306,000	$273	51
7136 Pine St	0.68mi	3/— (+1)	1,152 (+7%)	1mo	$227,000	$197	50
362 Margate Rd	0.68mi	3/1.0 (+1)	1,132 (+5%)	5mo	$127,864	$113	50
305 Margate Rd	0.69mi	3/2.0 (+1)	1,132 (+5%)	1mo	$225,000	$199	49
345 Copley Rd	0.69mi	3/2.0 (+1)	1,152 (+7%)	2mo	$220,000	$191	45
7266 Spruce St	0.74mi	3/1.0 (+1)	1,170 (+9%)	2mo	$150,000	$128	44

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: -7.0%
• Equity multiple: 0.74×
• Total profit: $-9,336
• Equity at exit: $19,383

10-year hold

• IRR: 0.7%
• Equity multiple: 1.05×
• Total profit: $1,717
• Equity at exit: $11,240

Cash invested: $36,400 (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: 7.5×

Monthly cashflow live

• Estimated rent: $1,452 high
• Mortgage (P&I): −$682
• Tax from tax record: −$196 /mo · $2,357/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $215

Break-even live

Break-even rent $1,180

Max offer price $130,000

Occupancy floor 80%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
55 N Keystone Ave Upper Darby, PA	3.0	1.0	1258	$1,700	$1.35	43d	1	0.04mi
77 N Keystone Ave Upper Darby, PA	1.0	1.0	1258	$1,000	$0.79	24d	1	0.04mi
7100 W Chester Pike Upper Darby Township, PA	1.0–2.0	1.0	770	$1,315	$1.71	24d	5	0.12mi
130 Garrett Rd Upper Darby, PA	2.0	1.0	675	$999	$1.48	5d	2	0.29mi
51 N State Rd Upper Darby, PA	3.0	1.0	1244	$1,595	$1.28	43d	1	0.31mi
217 Sansom St Upper Darby, PA	2.0	1.0	1342	$1,000	$0.75	24d	1	0.34mi
10 Oakley Rd Upper Darby, PA	3.0	1.0	1476	$1,895	$1.28	24d	1	0.57mi
313 Hampden Rd Unit B--2ND FLOOR Upper Darby Township, PA	1.0	1.0	1386	$1,200	$0.87	43d	1	0.58mi
83 S State Rd Unit B502 Upper Darby Township, PA	2.0	1.0	800	$1,289	$1.61	1d	1	0.59mi
7201 Bradford Rd Upper Darby, PA	1.0	1.0	720	$1,189	$1.65	43d	1	0.63mi
177 Wellington Rd Upper Darby, PA	3.0	2.0	1236	$2,000	$1.62	24d	1	0.70mi
411 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	20d	1	0.78mi
430 Glendale Rd Upper Darby, PA	3.0	1.0	1090	$1,650	$1.51	21d	1	0.80mi
139 S State Rd Apt B2 Upper Darby Township, PA	2.0	1.0	800	$1,300	$1.62	4d	1	0.81mi
444 Timberlake Rd Upper Darby, PA	2.0	1.0	864	$1,400	$1.62	5d	1	0.82mi
113 Saint Laurence Rd Upper Darby, PA	2.0	1.0	1360	$1,350	$0.99	16d	1	0.85mi
233 S State Rd Unit 2ND Upper Darby Township, PA	3.0	2.0	950	$2,000	$2.11	43d	1	0.92mi
31 Lamport Rd Upper Darby, PA	3.0	1.0	1244	$1,800	$1.45	5d	1	0.96mi
271 N Wycombe Ave Unit 1 Lansdowne, PA	1.0	1.0	725	$1,095	$1.51	43d	1	1.03mi
671 Long Ln Unit B Upper Darby Township, PA	2.0	1.5	850	$1,300	$1.53	24d	1	1.04mi
292 N Wycombe Ave Lansdowne, PA	2.0	1.0	1162	$1,600	$1.38	43d	1	1.04mi
644 Littlecroft Rd Upper Darby, PA	1.0	1.0	818	$1,575	$1.93	43d	1	1.05mi
293 Wabash Ave Lansdowne, PA	3.0	1.0	1377	$1,900	$1.38	18d	1	1.06mi
6927 Guilford Rd Upper Darby, PA	2.0	1.0	1182	$1,495	$1.26	2d	1	1.06mi
7216 Clinton Rd Upper Darby, PA	3.0	1.0	1170	$1,815	$1.55	1d	1	1.07mi
6965 Clinton Rd Upper Darby, PA	2.0	1.0	986	$1,675	$1.70	43d	1	1.08mi
7050 Clinton Rd Upper Darby, PA	2.0	1.0	977	$1,550	$1.59	43d	1	1.08mi
7026 Clinton Rd Upper Darby, PA	2.0	1.5	902	$1,650	$1.83	43d	1	1.08mi
702 Copley Rd Upper Darby, PA	3.0	1.0	1044	$1,750	$1.68	24d	1	1.11mi
624 Briarcliff Rd Unit MAIN UNIT Upper Darby Township, PA	3.0	1.0	1307	$1,700	$1.30	24d	1	1.12mi
624 Briarcliff Rd Upper Darby, PA	3.0	1.0	1307	$1,700	$1.30	43d	1	1.12mi
1 Trent Rd Unit 1C Penn Wynne, PA	1.0	1.0	800	$1,425	$1.78	43d	1	1.15mi
6839 Radbourne Rd Upper Darby, PA	3.0	1.5	1242	$1,750	$1.41	24d	1	1.15mi
7139 Greenwood Ave Upper Darby, PA	3.0	1.0	1064	$1,600	$1.50	24d	1	1.17mi
7111 Greenwood Ave Upper Darby, PA	3.0	1.5	1064	$1,800	$1.69	43d	1	1.18mi
7116 Seaford Rd Upper Darby, PA	2.0	1.0	996	$1,600	$1.61	43d	1	1.27mi
249 N Linden Ave Upper Darby, PA	3.0	1.0	1237	$1,700	$1.37	5d	1	1.27mi
7147 Radbourne Rd Upper Darby, PA	3.0	1.0	1096	$1,850	$1.69	12d	1	1.28mi
261 S Bayberry Ln Upper Darby, PA	3.0	1.0	1248	$2,200	$1.76	2d	1	1.29mi
58 Suburban Ln Upper Darby, PA	3.0	1.0	1152	$2,300	$2.00	24d	1	1.30mi

Listing history 22 events

1. 2026-06-18
   days on market $130,000 Active 26 DOM
2. 2026-06-17
   days on market $130,000 Active 25 DOM
3. 2026-06-16
   days on market $130,000 Active 24 DOM
4. 2026-06-15
   days on market $130,000 Active 23 DOM
5. 2026-06-13
   days on market $130,000 Active 21 DOM
6. 2026-06-13
   days on market $130,000 Active 20 DOM
7. 2026-06-09
   days on market $130,000 Active 17 DOM
8. 2026-06-08
   days on market $130,000 Active 16 DOM
9. 2026-06-07
   days on market $130,000 Active 15 DOM
10. 2026-06-04
    days on market $130,000 Active 12 DOM
11. 2026-06-03
    days on market $130,000 Active 11 DOM
12. 2026-06-02
    days on market $130,000 Active 10 DOM
13. 2026-06-01
    days on market $130,000 Active 9 DOM
14. 2026-05-31
    days on market $130,000 Active 8 DOM
15. 2026-05-23
    listed $130,000 Active
16. 2021-08-25
    soldstatus $60,000
17. 2021-08-02
    price $60,000 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

18. 2021-07-30
    soldstatus $60,000 Closed 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

19. 2021-07-09
    status Pending 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

20. 2021-06-30
    price $65,000 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

21. 2021-06-17
    price $69,900 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

22. 2021-06-04
    listed $72,000 Active 227-char remark

    Show marketing remark (227 chars)

    2 bedroom home, Currently rented for $920 a month. Tenant is currently in a month to month lease. Property is being sold “As is” (see as is addendum in documents) Completed as is agreement must accompany all offers.

ⓘ 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: $2,357 · $196/mo
• Projected year-2 tax: $2,357 · $196/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: $17,423
• − Mortgage interest: −$7,282
• − Property taxes: −$2,357
• − Insurance: −$650
• − Repairs & maintenance: −$1,394
• − Management: −$1,394
• − Depreciation: −$3,782
• Taxable income: $565
• Est. tax owed @ 24.0%: −$136
• After-tax cash flow: $2,441/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

+80.6% since first listed

8 events — show timeline

• 2026-05-23 Listed $130,000 BRIGHT MLS
• 2021-08-25 Sold (Public Records) $60,000 Public Records
• 2021-08-02 Price Changed $60,000 BRIGHT MLS
• 2021-07-30 Sold (MLS) $60,000 BRIGHT MLS
• 2021-07-09 Pending — BRIGHT MLS
• 2021-06-30 Price Changed $65,000 BRIGHT MLS
• 2021-06-17 Price Changed $69,900 BRIGHT MLS
• 2021-06-04 Listed $72,000 BRIGHT MLS

Property tax history

+1.7%/yr

Latest (2026): $2,357 · +7.7% YoY. Source: county tax records.