1337 Townsend St · Chester, PA 19013

$120,000

2 bd · 1.0 ba · 912 sqft · SingleFamily public records · 214 Days on market

Built 1965 2,614 sqft lot $132/sqft · 6% below area Est $128k · 6% 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 +25.8/30.0
• ARV discount +10.3/15.0
• DSCR +8.6/10.0
• 1% rule +5.9/10.0
• 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 MLS

Investment opportunity in Chester. 1337 Townsend Street offers rental potential. This property features 2 bedrooms on the main floor. There is also an extra storage room accessed through the living room. Conveniently located near Widener University and public transit.

Key facts

• Public transit
• Extra storage room
• 2,614 sq ft lot

Tags

• EXTRA STORAGE ROOM
• PUBLIC TRANSIT

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $292 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 7.5% in Chester — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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; 12 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).
• This rent runs 38% 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 $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.9% rent growth), your $34k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 214 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 31y 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.

Risks & watch-outs

• 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 $105,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 214 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.09% ✓
• Cap rate: 9.22%
• Cash-on-cash: 10.44%
• DSCR: 1.46
• GRM: 7.7

CMA / ARV

• ARV (median comp): $128,012
• List price: $120,000
• Delta: -6.26%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2434 Green St	0.32mi	2/1.0	872 (-4%)	3mo	$125,000	$143	75
1502 W 12th St	0.53mi	2/1.0	960 (+5%)	11mo	$70,000	$73	57
3003 Carter Ave	0.67mi	2/1.0	832 (-9%)	22mo	$175,600	$211	36

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: 3.3%
• Equity multiple: 1.13×
• Total profit: $4,428
• Equity at exit: $17,892

10-year hold

• IRR: 16.0%
• Equity multiple: 2.52×
• Total profit: $51,201
• Equity at exit: $10,375

Cash invested: $33,600 (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: 7.7×

Monthly cashflow live

• Estimated rent: $1,304 high
• Mortgage (P&I): −$629
• Tax from tax record: −$59 /mo · $706/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$274
• Net cashflow: $292

Break-even live

Break-even rent $934

Max offer price $120,000

Occupancy floor 73%

Sensitivity live

Price	-10% $360	-5% $326	+0% $292	+5% $258	+10% $224
Rent	-10% $189	-5% $241	+0% $292	+5% $344	+10% $395
Rate	-1.0pp $353	-0.5pp $323	base $292	+0.5pp $261	+1.0pp $230

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1127 Ward St Chester, PA	2.0	1.0	800	$1,250	$1.56	8d	1	0.16mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	22d	1	0.64mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	990	$1,000	$1.01	21d	1	0.67mi
1107-1115 Keystone Rd Chester, PA	2.0	1.0	700	$1,250	$1.79	44d	1	0.72mi
908 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	44d	1	0.74mi
906 Keystone Rd Unit 1 Chester, PA	2.0	1.0	800	$1,200	$1.50	24d	1	0.74mi
906 Keystone Rd Chester, PA	2.0	1.0	800	$1,200	$1.50	22d	1	0.74mi
1006 Keystone Rd Chester, PA	2.0	1.0	750	$1,200	$1.60	24d	1	0.75mi
901 W 8th St Chester, PA	1.0	1.5	836	$1,500	$1.79	44d	1	1.07mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–1.5	775	$1,800	$2.32	24d	2	1.34mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–2.0	775	$1,695	$2.19	5d	4	1.34mi
523 Concord Ave Unit 2R Chester, PA	1.0	1.0	700	$1,050	$1.50	44d	1	1.46mi

Listing history 33 events

1. 2026-06-18
   days on market $120,000 Active 214 DOM
2. 2026-06-17
   days on market $120,000 Active 213 DOM
3. 2026-06-16
   days on market $120,000 Active 212 DOM
4. 2026-06-15
   days on market $120,000 Active 211 DOM
5. 2026-06-13
   days on market $120,000 Active 209 DOM
6. 2026-06-13
   days on market $120,000 Active 208 DOM
7. 2026-06-09
   days on market $120,000 Active 205 DOM
8. 2026-06-08
   days on market $120,000 Active 204 DOM
9. 2026-06-07
   days on market $120,000 Active 203 DOM
10. 2026-06-04
    days on market $120,000 Active 200 DOM
11. 2026-06-03
    days on market $120,000 Active 199 DOM
12. 2026-06-02
    days on market $120,000 Active 198 DOM
13. 2026-06-01
    days on market $120,000 Active 197 DOM
14. 2026-05-31
    days on market $120,000 Active 196 DOM
15. 2026-05-06
    status Active 268-char remark

    Show marketing remark (268 chars)

    Investment opportunity in Chester. 1337 Townsend Street offers rental potential. This property features 2 bedrooms on the main floor. There is also an extra storage room accessed through the living room. Conveniently located near Widener University and public transit.

16. 2026-04-26
    historical Active Under Contract 268-char remark

    Show marketing remark (268 chars)

    Investment opportunity in Chester. 1337 Townsend Street offers rental potential. This property features 2 bedrooms on the main floor. There is also an extra storage room accessed through the living room. Conveniently located near Widener University and public transit.

17. 2025-11-06
    listed $120,000 Active 268-char remark

    Show marketing remark (268 chars)

    Investment opportunity in Chester. 1337 Townsend Street offers rental potential. This property features 2 bedrooms on the main floor. There is also an extra storage room accessed through the living room. Conveniently located near Widener University and public transit.

18. 2025-10-17
    historical
19. 2025-02-19
    price $125,000
20. 2024-12-04
    listed $127,000 Active
21. 2022-08-16
    soldstatus $563,640
22. 2004-04-29
    soldstatus $27,000
23. 2004-04-01
    historical
24. 2004-03-24
    listed $27,000
25. 2000-05-15
    historical
26. 1999-10-16
    listed $25,000
27. 1999-01-15
    historical
28. 1998-07-08
    listed $28,000
29. 1998-06-30
    historical
30. 1997-08-10
    listed $33,900
31. 1995-10-06
    listed $32,000
32. 1995-10-06
    historical
33. 1989-09-11
    soldstatus $8,000

ⓘ 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: $706 · $59/mo
• Projected year-2 tax: $1,301 · $108/mo
• Expected delta: +$595/yr (+$50/mo · 84.3%)

ⓘ 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: $15,652
• − Mortgage interest: −$6,722
• − Property taxes: −$706
• − Insurance: −$600
• − Repairs & maintenance: −$1,252
• − Management: −$1,252
• − Depreciation: −$3,491
• Taxable income: $1,629
• Est. tax owed @ 24.0%: −$391
• After-tax cash flow: $3,117/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

• 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

+1400.0% since first listed

19 events — show timeline

• 2026-05-06 Relisted — BRIGHT MLS
• 2026-04-26 Contingent — BRIGHT MLS
• 2025-11-06 Listed $120,000 BRIGHT MLS
• 2025-10-17 Listing Removed — BRIGHT MLS
• 2025-02-19 Price Changed $125,000 BRIGHT MLS
• 2024-12-04 Listed $127,000 BRIGHT MLS
• 2022-08-16 Sold (Public Records) $563,640 Public Records
• 2004-04-29 Sold (MLS) $27,000 BRIGHT MLS
• 2004-04-01 Listing Removed — BRIGHT MLS
• 2004-03-24 Listed $27,000 BRIGHT MLS
• 2000-05-15 Listing Removed — BRIGHT MLS
• 1999-10-16 Listed $25,000 BRIGHT MLS
• 1999-01-15 Listing Removed — BRIGHT MLS
• 1998-07-08 Listed $28,000 BRIGHT MLS
• 1998-06-30 Listing Removed — BRIGHT MLS
• 1997-08-10 Listed $33,900 BRIGHT MLS
• 1995-10-06 Listing Removed — BRIGHT MLS
• 1995-10-06 Listed $32,000 BRIGHT MLS
• 1989-09-11 Sold (Public Records) $8,000 Public Records

Property tax history

-6.4%/yr

Latest (2026): $706 · -51.3% YoY. Source: county tax records.