1420 Powell Rd · Upland, PA 19015

$200,000

3 bd · 2.0 ba · 1,440 sqft · Townhouse public records · 5 Days on market

Built 1967 2,178 sqft lot $139/sqft · 12% below area Est $227k · 12% 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 +22.1/30.0
• ARV discount +12.8/15.0
• DSCR +7.1/10.0
• 1% rule +4.8/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this well-cared-for 3 bedroom, 2 bathroom home in the Toby Farms neighborhood! Lovingly maintained by the same family for over 45 years, this home reflects true pride of ownership and offers a solid, move-in ready opportunity for its next owner. Inside, you’ll find a functional layout with comfortable living spaces, along with a finished basement that offers excellent additional living space, built-in shelving, and plenty of storage—perfect for a family room, home office, or hobby area. The home also features a garage for convenient parking and storage. Step outside to a large deck, complete with a retractable awning and beautiful wooded views, creating the perfect se

Key facts

• Large deck
• Newer roof
• Retractable awning

Tags

• FINISHED BASEMENT
• BUILT-IN SHELVING
• LARGE DECK
• RETRACTABLE AWNING
• WOODED VIEWS
• NEWER ROOF

Property features AI

Exterior

• Parking: Basement garage with inside access and rear entry; One attached garage space plus one additional parking space (driveway); On-street parking available
• Utilities: Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Frame construction; Concrete perimeter foundation
• Exterior features: Awning(s); Deck(s) and patio(s)

Interior

• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: Two full bathrooms
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric); Natural gas hot water
• Interior features: Fully finished basement with walkout and garage access; Living area source: Assessor

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $200k.

Deal economics

• At list price, monthly cash flow is $323 ($4k/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 $195k (2.4% below list).
• Recommended offer: $195k (2.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#1,219 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools F, crime F, commute 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: 66 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 299 units permitted in Delaware County in 2024 (5 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.

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 $195,143 (2.4% below list)

Questions for the listing agent

1. Built in 1967 — 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. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.98% ✗
• Cap rate: 8.23%
• Cash-on-cash: 6.92%
• DSCR: 1.31
• GRM: 8.5

CMA / ARV

• ARV (median comp): $226,757
• List price: $200,000
• Delta: -11.80%
• 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
1420 Powell Rd	0.00mi	3/2.0	1,440 (0%)	1mo	$215,000	$149	100
1412 Elson Rd	0.20mi	3/2.0	1,404 (-2%)	1mo	$285,000	$203	86
4029 Gideon Rd	0.06mi	3/2.0	1,520 (+6%)	2mo	$155,000	$102	86
3920 Elson Rd	0.24mi	3/2.0	1,520 (+6%)	5mo	$280,000	$184	75
1349 Elson Rd	0.24mi	3/2.5	1,520 (+6%)	4mo	$230,000	$151	74
3901 Elson Rd	0.20mi	3/2.0	1,560 (+8%)	6mo	$262,000	$168	72
1423 Rainer Rd	0.25mi	3/2.0	1,260 (-12%)	0mo	$278,000	$221	67
1216 Harshaw Rd	0.25mi	3/1.0	1,260 (-12%)	1mo	$257,500	$204	63
1403 Rainer Rd	0.25mi	3/2.0	1,260 (-12%)	6mo	$184,999	$147	62
1346 Rainer Rd	0.26mi	3/2.0	1,224 (-15%)	3mo	$299,900	$245	61
1227 Rainer Rd	0.34mi	3/2.0	1,224 (-15%)	1mo	$274,000	$224	58
1300 Rainer Rd	0.30mi	3/2.0	1,224 (-15%)	4mo	$295,000	$241	57

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -5.7%
• Equity multiple: 0.79×
• Total profit: $-11,915
• Equity at exit: $29,821

10-year hold

• IRR: 3.9%
• Equity multiple: 1.28×
• Total profit: $15,816
• Equity at exit: $17,292

Cash invested: $56,000 (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 19015

• Active inventory: 66
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,951 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$87 /mo · $1,039/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $323

Break-even live

Break-even rent $1,543

Max offer price $200,000

Occupancy floor 78%

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1315 Harshaw Rd Brookhaven, PA	3.0	2.5	1260	$2,395	$1.90	1d	1	0.20mi
1224 Elson Rd Brookhaven, PA	3.0	2.0	1200	$1,900	$1.58	17d	1	0.27mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–2.0	775	$1,695	$2.19	5d	4	0.59mi
280 Bridgewater Rd Brookhaven, PA	1.0–2.0	1.0–1.5	775	$1,800	$2.32	24d	2	0.59mi
2717 Bethel Rd Chester, PA	3.0	1.0	1785	$1,350	$0.76	5d	1	0.77mi
2104 N Williams Cir Chester, PA	4.0	1.5	1540	$1,895	$1.23	43d	1	0.85mi
3312 W 13th St Chester, PA	2.0	1.0	936	$1,499	$1.60	22d	1	1.20mi
206 W Parkway Ave Chester, PA	2.0	1.0	1666	$1,450	$0.87	24d	1	1.26mi
30 W Roland Rd Brookhaven, PA	3.0	1.0	1424	$1,695	$1.19	43d	1	1.26mi
2106 W 4th St Unit 2 Chester, PA	2.0	1.0	1736	$1,100	$0.63	43d	1	1.35mi
45 Neeld Ln Aston, PA	3.0	2.0	1303	$2,900	$2.23	2d	1	1.38mi
2832 W 6th St Unit 306 Chester, PA	3.0	1.0	1428	$1,500	$1.05	4d	1	1.38mi
25 W Parkway Ave Chester, PA	3.0	1.0	1324	$1,600	$1.21	5d	1	1.40mi
330 W 21st St Chester, PA	3.0	1.0	1152	$1,500	$1.30	43d	1	1.43mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	990	$1,000	$1.01	20d	1	1.44mi
425 Highland Ave Apt A Chester, PA	2.0	1.5	1829	$1,000	$0.55	43d	1	1.44mi
51 Park Valley Ln Brookhaven, PA	2.0	1.5	990	$1,795	$1.81	18d	1	1.48mi

Listing history 2 events

1. 2026-05-09
   status Pending 1133-char remark
2. 2026-05-04
   listed $200,000 Active 1133-char remark

ⓘ 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: $1,039 · $87/mo
• Projected year-2 tax: $2,100 · $175/mo
• Expected delta: +$1,060/yr (+$88/mo · 102.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (shaded) · 22% 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,417
• − Mortgage interest: −$11,203
• − Property taxes: −$1,039
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,873
• − Management: −$1,873
• − Depreciation: −$5,818
• Taxable income: $610
• Est. tax owed @ 24.0%: −$146
• After-tax cash flow: $3,728/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 — Upland

• Score: 64/100
• State rank: #1219
• US rank: #14480

Category grades

Amenities C Commute F Cost of living A+ Crime F Employment C 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
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 16,464
• Household income: $82,450
• Rent vs Own: 24.8% rent · 75.2% own
• Severe rent burden: 321.0

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: Majority White (65%)
• Race & ethnicity: White 65% Black 24% Two or more races 6% Hispanic / Latino 4% Asian 2%
• Common ancestry: Romanian 4% Iranian 2% Lithuanian 2%
• Foreign-born: 5% · Canada, South Korea
• Languages at home: 92% English-only · Spanish 2% Other Indo-European 2% Other Asian/Pacific 1%

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: ▼ -175.22%
• Current HPI: 294.2115
• Rent YoY: —
• 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

+7.5% since first listed

4 events — show timeline

• 2026-06-02 Sold (Public Records) $215,000 Public Records
• 2026-06-01 Sold (MLS) $215,000 BRIGHT MLS
• 2026-05-09 Pending — BRIGHT MLS
• 2026-05-04 Listed $200,000 BRIGHT MLS

Property tax history

-4.0%/yr

Latest (2026): $1,039 · -51.3% YoY. Source: county tax records.