139 W Main St · Silverdale, PA 18962

$380,000

4 bd · 1.5 ba · 2,470 sqft · SingleFamily public records · 40 Days on market

Built 1890 0.27 ac lot $154/sqft · 46% below area Est $701k · 46% 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 +19.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.0/10.0
• Appreciation +5.0/10.0
• Schools +4.7/10.0
• 1% rule +4.6/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

Key facts

• 0.27 acre lot
• 2 garage spots
• Built 1890

Property features AI

Exterior

• Parking: Detached garage with 2 garage spaces and additional storage area; Driveway parking available
• Utilities: Water source: well; Sewer: public sewer; Heating fuel: natural gas; Cooling uses window units powered by electricity; Hot water: natural gas
• Home design: Detached structure; Property condition described as average to good; Ownership is fee simple
• Construction: Masonry construction; Stone foundation; Built year source: assessor
• Exterior features: Lot dimensions approximately 66 x 175; Tidal water not present; Other structures above grade and below grade

Interior

• Kitchen: Kitchen (appliances not listed)
• Bedrooms: Five bedrooms on the first upper level; Rooms include living room, dining room, sun/Florida room, office, attic, bonus room
• Bathrooms: Two full bathrooms total (one on main level, one on the first upper level)
• Heating & cooling: Hot water heating; Window air conditioning units (electric)
• Interior features: Plaster walls; Not furnished; Full basement with interior access, outside entrance, and sump pump; Multiple access exits (2+); doors swing in
• Laundry & utility: Hot water provided by natural gas

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $380k.

Deal economics

• At list price, monthly cash flow is $407 ($5k/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 $366k (3.6% below list).
• Recommended offer: $366k (3.6% below list) — sets the bar for 1% rule.
• Cap rate 7.6% vs local median 3.3% in Silverdale — 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 73/100 on livability (#572 in PA) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: amenities F, commute F.
• Pennridge SD (suburban): math 45% / reading 61% proficiency, ranked #112 of 539 in PA (top 21%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 15% free/reduced lunch — higher-income household profile.
• Market conditions: 18 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 663 units permitted in Bucks County in 2024 (106 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($3k loan paydown + $11k appreciation (3.0% local appreciation)).
• Bucks County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $106k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($369k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y 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

• Watch-outs: built in 1890 — 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 $366,440 (3.6% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.96% ✗
• Cap rate: 7.58%
• Cash-on-cash: 4.59%
• DSCR: 1.20
• GRM: 8.6

CMA / ARV

• ARV (median comp): $700,889
• List price: $380,000
• Delta: -43.64%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
115 Noble Dr	0.39mi	3/2.5 (-1)	2,344 (-5%)	2mo	$548,000	$234	63
114 Orchard Rd	0.71mi	4/2.5	2,454 (-1%)	4mo	$739,900	$302	59

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: 11.8%
• Equity multiple: 1.67×
• Total profit: $71,642
• Equity at exit: $170,864

10-year hold

• IRR: 13.9%
• Equity multiple: 3.06×
• Total profit: $218,767
• Equity at exit: $263,323

Cash invested: $106,400 (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 18962

• Active inventory: 18
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $3,664 medium
• Mortgage (P&I): −$1,993
• Tax from tax record: −$337 /mo · $4,047/yr
• Insurance: −$158
• HOA: −$0
• Vacancy / Maint / Mgmt: −$770
• Net cashflow: $407

Break-even live

Break-even rent $3,150

Max offer price $380,000

Occupancy floor 84%

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: $95,000
• Closing costs: $11,400
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1 Applewood Dr Perkasie, PA	2.0–3.0	1.5–2.5	2134	$3,810	$1.78	1d	1	0.60mi
105 Cranberry Cir Unit 105 Perkasie, PA	3.0	2.5	2355	$3,785	$1.61	24d	1	0.86mi
837 Callowhill Rd Perkasie, PA	3.0	2.0	1647	$2,900	$1.76	43d	1	1.48mi

Listing history 21 events

1. 2026-06-18
   price $380,000 Active 40 DOM
2. 2026-06-18
   days on market $394,999 Active 40 DOM
3. 2026-06-17
   days on market $394,999 Active 39 DOM
4. 2026-06-16
   days on market $394,999 Active 38 DOM
5. 2026-06-15
   days on market $394,999 Active 37 DOM
6. 2026-06-13
   days on market $394,999 Active 35 DOM
7. 2026-06-09
   days on market $394,999 Active 31 DOM
8. 2026-06-08
   days on market $394,999 Active 30 DOM
9. 2026-06-07
   days on market $394,999 Active 29 DOM
10. 2026-06-04
    days on market $394,999 Active 26 DOM
11. 2026-06-03
    days on market $394,999 Active 25 DOM
12. 2026-06-02
    days on market $394,999 Active 24 DOM
13. 2026-06-01
    days on market $394,999 Active 23 DOM
14. 2026-05-31
    days on market $394,999 Active 22 DOM
15. 2026-05-10
    listed $399,999 Active 997-char remark
16. 2026-05-06
    historical $399,999 997-char remark
17. 2023-11-16
    soldstatus $475,000 Closed 1835-char remark

    Show marketing remark (1835 chars)

    Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

18. 2023-10-02
    status Pending 1835-char remark

    Show marketing remark (1835 chars)

    Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

19. 2023-08-18
    price $539,000 1835-char remark

    Show marketing remark (1835 chars)

    Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

20. 2023-06-21
    price $565,000 1835-char remark

    Show marketing remark (1835 chars)

    Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

21. 2023-06-14
    listed $340,000 Active 1835-char remark

    Show marketing remark (1835 chars)

    Looking for a piece of history. Tucked behind the shrubbery & trees you'll find a spacious Silverdale Boro home. On the porch you'll find 2 front doors, 1 opens to foyer & the other to the other living room or possible 1st floor bedroom or library, etc. . Large living room with wood floors & bookcase opens to the dining room. You'll enjoy many family dinners around the dining room table. Feature wood floors & has a side door to the outside. It will be a joy to cook in this kitchen with beautiful wood cabinets, granite countertops, tiled backsplash with some Mercer tiles & tile floors. Breakfast room with sliders to the sunroom for more entertaining space. Sunroom has heat & electric plus door to deck. Laundry is conveniently located off the kitchen. The office with built-in cabinet, closet & wood floors offers so many possibilities. Can't forget the bathroom with stall shower to complete this level. Upstairs the main bedroom has a separate dressing room with so much storage and private entrance to the hall bath. Bedroom #2 has new carpeting & closet. Bedroom #3 has its own dressing room also. Bedroom #4 has new carpeting also. The walk-up attic has all the storage you'll need. Basement has all the utilities, bilco doors to the outside & plenty of rooms for storage, workshop, etc. The detached oversized 2 car garage/barn has all the storage you'll need. There is a ladder to some 2nd floor storage if needed. Plenty off-street parking in the back, off the paved alley. Property also includes the barn/garage with 2 - 1 bedroom apartments on the back lot of property. This parcel is a separate parcel - 40-003-007 & 40-003-008. Water & natural gas lines go from the house to apartments & garage/barn. Lot size is the total of all 3 parcels.

ⓘ 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: $4,047 · $337/mo
• Projected year-2 tax: $5,025 · $419/mo
• Expected delta: +$979/yr (+$82/mo · 24.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥99°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 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $43,973
• − Mortgage interest: −$21,286
• − Property taxes: −$4,047
• − Insurance: −$1,900
• − Repairs & maintenance: −$3,518
• − Management: −$3,518
• − Depreciation: −$11,055
• Taxable loss: −$1,350
• Est. tax savings @ 24.0%: +$324
• After-tax cash flow: $5,203/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: Pennridge SD
• NCES district ID: 4218750
• Math proficiency: 45% ▼ -14.00%
• Reading proficiency: 61% ▼ -14.00%
• Median HH income: $73,770
• Composite: 47.48/100
• National rank: #2277
• State rank: #112 of 539 in PA

Livability — Silverdale

• Score: 73/100
• State rank: #572
• US rank: #5427

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silverdale, PA
• City population: 450
• Population (ZIP): 450

Population outlook (Bucks County) Hauer SSP2

• Today (2025): 630,973 people
• By 2030: 627,093 · -0.6%
• By 2040: 609,680 · -3.4%
• By 2050: 584,225 · -7.4%
• By 2075: 539,840 · -14.4%
• By 2100: 483,970 · -23.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Two or more races 11% Hispanic / Latino 8% Black 2%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 8% Slovak 1% Subsaharan African 1%
• Languages at home: 97% English-only · Spanish 3%

Political lean MEDSL · Bucks

• 2024 margin: Toss-up / Even · D 49.5% · R 49.5%
• 2008→2024 swing: -8.7pp toward R · 2008: 8.7pp · 2024: -0.1pp
• All cycles: 2024: R+0.1 2020: D+4.4 2016: D+0.6 2012: D+1.2 2008: D+8.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• Rent YoY: —
• Metro: —
• 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

+16.2% since first listed

8 events — show timeline

• 2026-05-26 Price Changed $394,999 BRIGHT MLS
• 2026-05-10 Listed $399,999 BRIGHT MLS
• 2026-05-06 Coming Soon $399,999 BRIGHT MLS
• 2023-11-16 Sold (MLS) $475,000 BRIGHT MLS
• 2023-10-02 Pending — BRIGHT MLS
• 2023-08-18 Price Changed $539,000 BRIGHT MLS
• 2023-06-21 Price Changed $565,000 BRIGHT MLS
• 2023-06-14 Listed $340,000 BRIGHT MLS

Property tax history

+1.5%/yr

Latest (2026): $4,047 · +4.5% YoY. Source: county tax records.