105 S Oak Ave · Aldan, PA 19018

$149,900

3 bd · 1.0 ba · 1,318 sqft · Townhouse public records · 13 Days on market

Built 1929 4,356 sqft lot Est $279k · 46% 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
• DSCR +10.0/10.0
• 1% rule +8.1/10.0
• Livability +4.2/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

CALLING ALL INVESTORS! This property is the one you have been waiting for! This one will not last! This Property is being sold As-Is condition. Buyer is responsible for all certifications. Seller never occupied. Neither the seller or listing agent make any representation as to the accuracy of any information contained herein. Buyer must conduct their own due diligence, verification, research and inspections and are relying solely on the results thereof. Buyer to pay all closing costs and transfer tax.

Key facts

• Built 1929
• Listed 12 days

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: End-of-row townhouse; Fee simple ownership
• Construction: Vinyl and aluminum siding; Block foundation; Above-grade and below-grade structures; Built year per assessor
• Exterior features: Lot dimensions approximately 25 x 178; No tidal water

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Interior features: One fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $150k.

Deal economics

• At list price, monthly cash flow is $647 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 11.5% vs local median 4.7% in Aldan — 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 85/100 on livability (#65 in PA, #463 nationally) — a professional / high-income tenant draw. Strengths: commute A+, employment A+, cost of living A+; Watch: amenities F.
• William Penn SD (suburban): math 11% / reading 28% proficiency, ranked #491 of 539 in PA (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+1.6%/yr); 79 active listings in the ZIP; 38 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 32% of the median local income ($74k/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 $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1929 — 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 $149,900

Questions for the listing agent

1. Built in 1929 — 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: 1.31% ✓
• Cap rate: 11.47%
• Cash-on-cash: 18.49%
• DSCR: 1.82
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $279,416
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
614 Rively Ave	0.09mi	3/1.0	1,152 (-13%)	1mo	$255,000	$221	74
751 Rively Ave	0.27mi	3/1.0	1,152 (-13%)	1mo	$234,300	$203	66
103 W Rively Ave	0.37mi	3/1.5	1,440 (+9%)	1mo	$285,000	$198	65
306 Pine St	0.16mi	3/2.0	1,120 (-15%)	0mo	$259,000	$231	63
304 Pine St	0.17mi	3/2.0	1,120 (-15%)	2mo	$250,000	$223	61
129 Shisler Ave	0.52mi	3/1.5	1,440 (+9%)	2mo	$305,000	$212	57
816 Crescent Dr	0.60mi	3/1.5	1,152 (-13%)	1mo	$245,000	$213	48
1117 Tremont Dr	0.65mi	3/1.5	1,152 (-13%)	1mo	$150,000	$130	46
150 W Berkley Ave	0.72mi	3/1.5	1,152 (-13%)	1mo	$265,000	$230	43
517 Chester Ave	0.69mi	3/1.5	1,152 (-13%)	2mo	$228,000	$198	43
1075 Brookwood Ln	0.74mi	3/1.5	1,152 (-13%)	0mo	$238,000	$207	42
139 W Madison Ave	0.71mi	3/2.0	1,152 (-13%)	1mo	$225,000	$195	41

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 · 1.65% rent growth · sell at horizon

5-year hold

• IRR: 8.8%
• Equity multiple: 1.34×
• Total profit: $14,216
• Equity at exit: $22,351

10-year hold

• IRR: 16.9%
• Equity multiple: 2.30×
• Total profit: $54,705
• Equity at exit: $12,961

Cash invested: $41,972 (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 19018

• Rents YoY: 1.6%
• Active inventory: 79
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,961 high
• Mortgage (P&I): −$786
• Tax from tax record: −$54 /mo · $644/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$412
• Net cashflow: $647

Break-even live

Break-even rent $1,142

Max offer price $149,900

Occupancy floor 62%

Sensitivity live

Price	-10% $732	-5% $689	+0% $647	+5% $604	+10% $562
Rent	-10% $492	-5% $569	+0% $647	+5% $724	+10% $802
Rate	-1.0pp $722	-0.5pp $685	base $647	+0.5pp $608	+1.0pp $568

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 38 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 S Oak Ave Glenolden, PA	1.0–2.0	1.0–2.0	830	$1,500	$1.81	0d	3	0.06mi
306 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	5d	1	0.17mi
304 Pine St Glenolden, PA	3.0	2.0	1120	$2,400	$2.14	45d	1	0.17mi
902 Maple Ave Glenolden, PA	3.0	1.0	1152	$1,745	$1.51	45d	1	0.31mi
925 Maple Ave Glenolden, PA	3.0	2.0	1152	$2,800	$2.43	23d	1	0.36mi
1074 N Academy Ave Glenolden, PA	3.0	1.0	1152	$1,850	$1.61	6d	1	0.59mi
201 Westbridge Rd Glenolden, PA	3.0	1.5	1224	$2,350	$1.92	25d	1	0.60mi
304 Christopher Pl Unit 1st Floor Primos, PA	2.0	1.0	875	$1,400	$1.60	4d	1	0.63mi
304 Christopher Pl Primos, PA	2.0	1.0	1600	$1,400	$0.88	6d	1	0.63mi
304 Christopher Pl Unit 1st Floor Primos, PA	2.0	1.0	1600	$1,400	$0.88	0d	1	0.63mi
1072 Tremont Dr Glenolden, PA	4.0	2.0	1652	$2,500	$1.51	6d	1	0.67mi
319 S Church St Clifton Heights, PA	3.0	1.0	1152	$1,900	$1.65	45d	1	0.68mi
116 W Berkley Ave Clifton Heights, PA	4.0	2.0	1652	$2,600	$1.57	45d	1	0.72mi
60 W Broadway Ave Clifton Heights, PA	3.0	1.0	1160	$2,200	$1.90	45d	1	0.78mi
100 S Oak Ave Unit B6 Clifton Heights, PA	2.0	2.0	1000	$1,500	$1.50	25d	1	0.81mi
216 W Washington Ave Clifton Heights, PA	3.0	1.5	1152	$1,875	$1.63	5d	1	0.81mi
225 W Washington Ave Clifton Heights, PA	3.0	1.5	1152	$1,950	$1.69	45d	1	0.84mi
96 E Berkley Ave Clifton Heights, PA	2.0	1.5	1352	$1,850	$1.37	19d	1	0.85mi
151 S Bishop Ave Clifton Heights, PA	1.0–2.0	1.0–2.0	875	$1,989	$2.27	2d	3	0.89mi
640 South Ave Secane, PA	1.0–2.0	1.0–1.5	742	$1,600	$2.16	14d	5	0.93mi
66 Folcroft Ave Folcroft, PA	3.0	1.0	1224	$1,895	$1.55	4d	1	0.97mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,450	$2.40	25d	1	0.99mi
112 Juliana Ter Darby, PA	3.0	1.0	1020	$2,350	$2.30	45d	1	0.99mi
118 Felton Ave Darby, PA	3.0	1.0	1152	$1,750	$1.52	23d	1	1.01mi
312 E Baltimore Ave Clifton Heights, PA	1.0–2.0	1.0	812	$1,649	$2.03	3d	3	1.04mi
132 Folcroft Ave Folcroft, PA	2.0	1.0	725	$1,679	$2.32	3d	3	1.09mi
413 E Baltimore Ave Clifton Heights, PA	3.0	1.0	1152	$1,595	$1.38	25d	1	1.12mi
5238 Fairhaven Rd Clifton Heights, PA	3.0	1.0	1152	$2,000	$1.74	45d	1	1.19mi
145 Isabel Ave Unit 145B Glenolden, PA	2.0	1.0	890	$1,525	$1.71	45d	1	1.25mi
2 Winthrop Rd Darby, PA	3.0	1.5	1224	$1,900	$1.55	23d	1	1.27mi
271 W Wyncliffe Ave Clifton Heights, PA	3.0	1.0	1152	$2,250	$1.95	45d	1	1.28mi
68 Blanchard Rd Drexel Hill, PA	3.0	2.0	1088	$1,950	$1.79	16d	1	1.34mi
1513 Elmwood Ave Unit 4 Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	25d	1	1.37mi
1503 Elmwood Ave Folcroft, PA	3.0	1.0	1025	$1,699	$1.66	25d	1	1.37mi
209 Glenside Ave Unit 1ST FLOOR Holmes, PA	2.0	1.0	1872	$1,600	$0.85	45d	1	1.40mi
202 Green St Holmes, PA	2.0	1.0	1560	$1,700	$1.09	19d	1	1.46mi
100 E Glenolden Ave Glenolden, PA	1.0–4.0	1.0–2.0	920	$2,167	$2.36	0d	4	1.47mi
329 N Oak Ave Clifton Heights, PA	3.0	1.0	1152	$2,300	$2.00	45d	1	1.47mi

Listing history 9 events

1. 2026-06-21
   days on market $149,900 Active 13 DOM
2. 2026-06-18
   days on market $149,900 Active 10 DOM
3. 2026-06-17
   days on market $149,900 Active 9 DOM
4. 2026-06-16
   days on market $149,900 Active 8 DOM
5. 2026-06-15
   days on market $149,900 Active 7 DOM
6. 2026-06-13
   days on market $149,900 Active 5 DOM
7. 2026-06-13
   days on market $149,900 Active 4 DOM
8. 2026-06-08
   remarks 506-char remark
9. 2026-06-08
   listed $149,900 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: $644 · $54/mo
• Projected year-2 tax: $1,506 · $126/mo
• Expected delta: +$862/yr (+$72/mo · 133.7%)

ⓘ 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: $23,528
• − Mortgage interest: −$8,397
• − Property taxes: −$644
• − Insurance: −$750
• − Repairs & maintenance: −$1,882
• − Management: −$1,882
• − Depreciation: −$4,361
• Taxable income: $5,612
• Est. tax owed @ 24.0%: −$1,347
• After-tax cash flow: $6,413/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: William Penn SD
• NCES district ID: 4226390
• Math proficiency: 11% ▼ -3.00%
• Reading proficiency: 28% ▼ -7.00%
• Median HH income: $48,543
• Composite: 17.29/100
• National rank: #9086
• State rank: #491 of 539 in PA

Livability — Aldan

• Score: 85/100
• State rank: #65
• US rank: #463

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Aldan, PA
• County: Delaware County · 399,863 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 23,505
• Household income: $73,522
• Rent vs Own: 34.9% rent · 65.1% own
• Severe rent burden: 770.0

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: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 55% Black 27% Asian 8% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Italian 3% Romanian 3% Lithuanian 1%
• Foreign-born: 14% · Canada, China, Vietnam
• Languages at home: 83% English-only · Other Indo-European 5% Spanish 3% Other Asian/Pacific 2%

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: ▼ -188.00%
• Current HPI: 291.1353
• Rent YoY: ▲ 1.65%
• 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

+11.0% since first listed

2 events — show timeline

• 2026-06-08 Listed $149,900 BRIGHT MLS
• 2025-04-23 Sold (Public Records) $135,000 Public Records

Property tax history

-10.2%/yr

Latest (2026): $644 · -86.0% YoY. Source: county tax records.