635 10th Ave · Prospect Park, PA 19076

$179,000

3 bd · 1.5 ba · 1,268 sqft · Townhouse public records · 37 Days on market

Built 1932 $141/sqft · 36% below area Est $279k · 36% 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 +22.2/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +5.8/10.0
• Livability +4.2/5.0
• Schools +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

ATTENTION ALL INVESTORS. Here's a great opportunity for real estate investors or savvy buyers looking to add value. This partially finished property offers strong potential for renovation, rental income, or resale. With some work already started, it provides a head start for your next investment project. Conveniently located near local amenities, transportation, and major roadways, this property is ideal for investors seeking their next profitable opportunity.

Key facts

• Major roadways
• Rental income
• Garage

Tags

• PARTIALLY FINISHED PROPERTY
• RENTAL INCOME
• MAJOR ROADWAYS

Property features AI

Exterior

• Parking: Detached garage (1 car)
• Utilities: Public water; Public sewer; Natural gas service
• Home design: Semi-detached property; Estimated year built
• Construction: Other foundation type; Other construction elements above and below grade
• Exterior features: No tidal water nearby

Interior

• Bedrooms: Three bedrooms on the upper level
• Bathrooms: One full bathroom
• Heating & cooling: Hot water heating; Natural gas heating and hot water
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $179k.

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 ($2k rent vs $179k).
• Recommended offer: $174k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 84/100 on livability (#103 in PA, #760 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities F.
• Interboro SD (suburban): math 25% / reading 50% proficiency, ranked #369 of 539 in PA (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 16 active listings in the ZIP; 22 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 36% of the median local income ($64k/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 $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($174k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $58k; list at $179k implies a 209% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1932 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; 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 $173,630 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1932 — 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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 1.08% ✓
• Cap rate: 8.25%
• Cash-on-cash: 7.00%
• DSCR: 1.31
• GRM: 7.7

CMA / ARV

• ARV (median comp): $278,602
• List price: $179,000
• Delta: -35.75%
• 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
631 10th Ave	0.01mi	3/1.0	1,328 (+5%)	1mo	$185,000	$139	89
629 10th Ave	0.02mi	3/2.0	1,328 (+5%)	5mo	$232,500	$175	85
740 16th Ave	0.43mi	3/1.5	1,136 (-10%)	3mo	$285,000	$251	60
302 Lakeview Dr	0.56mi	3/1.5	1,156 (-9%)	0mo	$329,900	$285	59
751 Braxton Rd	0.74mi	3/1.5	1,244 (-2%)	4mo	$285,000	$229	59
211 Cedar Ave	0.68mi	3/2.0	1,307 (+3%)	3mo	$295,000	$226	59
110 Lakeview Dr	0.56mi	3/1.5	1,156 (-9%)	6mo	$329,900	$285	54
636 17th Ave	0.48mi	3/1.5	1,088 (-14%)	0mo	$290,000	$267	54
1513 Yagle Ave	0.37mi	2/1.0 (-1)	1,094 (-14%)	1mo	$155,500	$142	52
615 Michell St	0.73mi	3/2.0	1,156 (-9%)	1mo	$320,500	$277	49
416 Carlisle Ave	0.48mi	2/2.0 (-1)	1,124 (-11%)	4mo	$232,500	$207	48
303 Urban Ave	0.65mi	3/1.5	1,448 (+14%)	6mo	$320,000	$221	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -5.6%
• Equity multiple: 0.79×
• Total profit: $-10,368
• Equity at exit: $26,689

10-year hold

• IRR: 4.1%
• Equity multiple: 1.30×
• Total profit: $15,052
• Equity at exit: $15,477

Cash invested: $50,120 (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 19076

• Home prices YoY: -31.3%
• Active inventory: 16
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,936 high
• Mortgage (P&I): −$939
• Tax est. 1.5%: −$224 /mo · $2,685/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $292

Break-even live

Break-even rent $1,566

Max offer price $179,000

Occupancy floor 80%

Sensitivity live

Price	-10% $416	-5% $354	+0% $292	+5% $230	+10% $168
Rent	-10% $139	-5% $216	+0% $292	+5% $369	+10% $445
Rate	-1.0pp $382	-0.5pp $338	base $292	+0.5pp $246	+1.0pp $199

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
819 11th Ave Unit C Prospect Park, PA	2.0	2.0	916	$2,250	$2.46	44d	1	0.25mi
701 Lincoln Ave Prospect Park, PA	1.0–2.0	1.0	762	$1,425	$1.87	22d	3	0.31mi
841 Chester Pike Unit 4B Prospect Park, PA	2.0	1.0	950	$1,600	$1.68	3d	1	0.42mi
202 Green St Holmes, PA	2.0	1.0	1560	$1,700	$1.09	19d	1	0.64mi
426 E Hinckley Ave Ridley Park, PA	4.0	2.5	1620	$2,800	$1.73	44d	1	0.66mi
209 Glenside Ave Unit 1ST FLOOR Holmes, PA	2.0	1.0	1872	$1,600	$0.85	44d	1	0.68mi
211 Lazaretto Rd Prospect Park, PA	2.0	1.0–1.5	972	$1,930	$1.98	2d	8	0.69mi
410 E Hinckley Ave Unit C33 Ridley Park, PA	2.0	2.0	900	$1,550	$1.72	25d	1	0.71mi
634 E Chester Pike Ridley Park, PA	2.0	1.0	950	$1,599	$1.68	25d	1	0.75mi
1000 Darby Rd Prospect Park, PA	2.0	1.0	852	$1,791	$2.10	4d	3	0.79mi
100 E Glenolden Ave Glenolden, PA	1.0–4.0	1.0–2.0	920	$2,167	$2.36	2d	4	0.90mi
100 Morton Ave Apt C301 Ridley Park, PA	2.0	1.0	1000	$1,800	$1.80	5d	1	1.02mi
777 Bennington Rd Folcroft, PA	4.0	1.5	1488	$2,800	$1.88	44d	1	1.15mi
1019 Taylor Dr Folcroft, PA	3.0	1.5	1152	$2,040	$1.77	3d	1	1.16mi
2001 Carter Rd Folcroft, PA	3.0	1.0	1224	$2,150	$1.76	44d	1	1.16mi
1053 Taylor Dr Folcroft, PA	3.0	1.5	1120	$2,000	$1.79	16d	1	1.21mi
804 Grant Rd Folcroft, PA	3.0	1.0	1088	$2,050	$1.88	44d	1	1.22mi
640 South Ave Secane, PA	1.0–2.0	1.0–1.5	742	$1,600	$2.16	13d	5	1.33mi
111 MacDade Blvd Folsom, PA	1.0–2.0	1.0	765	$1,725	$2.25	13d	1	1.48mi
145 Isabel Ave Unit 145B Glenolden, PA	2.0	1.0	890	$1,525	$1.71	44d	1	1.49mi
201 Westbridge Rd Glenolden, PA	3.0	1.5	1224	$2,350	$1.92	25d	1	1.50mi
1074 N Academy Ave Glenolden, PA	3.0	1.0	1152	$1,850	$1.61	6d	1	1.50mi

Listing history 17 events

1. 2026-06-21
   days on market $179,000 Active 37 DOM
2. 2026-06-18
   days on market $179,000 Active 34 DOM
3. 2026-06-17
   days on market $179,000 Active 33 DOM
4. 2026-06-16
   days on market $179,000 Active 32 DOM
5. 2026-06-15
   days on market $179,000 Active 31 DOM
6. 2026-06-13
   days on market $179,000 Active 29 DOM
7. 2026-06-13
   days on market $179,000 Active 28 DOM
8. 2026-06-09
   days on market $179,000 Active 25 DOM
9. 2026-06-08
   days on market $179,000 Active 24 DOM
10. 2026-06-07
    days on market $179,000 Active 23 DOM
11. 2026-06-04
    days on market $179,000 Active 20 DOM
12. 2026-06-03
    days on market $179,000 Active 19 DOM
13. 2026-06-02
    days on market $179,000 Active 18 DOM
14. 2026-06-01
    days on market $179,000 Active 17 DOM
15. 2026-05-31
    days on market $179,000 Active 16 DOM
16. 2026-05-15
    listed $179,000 Active 464-char remark
17. 1986-04-23
    soldstatus $58,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 7/10 Severe 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: $23,228
• − Mortgage interest: −$10,027
• − Property taxes: −$2,685
• − Insurance: −$895
• − Repairs & maintenance: −$1,858
• − Management: −$1,858
• − Depreciation: −$5,207
• Taxable income: $698
• Est. tax owed @ 24.0%: −$167
• After-tax cash flow: $3,339/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: Interboro SD
• NCES district ID: 4212170
• Math proficiency: 25% ▼ -17.00%
• Reading proficiency: 50% ▼ -16.00%
• Median HH income: $56,802
• Composite: 32.97/100
• National rank: #5587
• State rank: #369 of 539 in PA

Livability — Prospect Park

• Score: 84/100
• State rank: #103
• US rank: #760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Prospect Park, PA
• County: Delaware County · 399,863 people
• City population: 6,441
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 6,441
• Household income: $64,231
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 470.0

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 White (79%)
• Race & ethnicity: White 79% Black 10% Two or more races 7% Asian 3%
• Common ancestry: Swiss 5% Romanian 5% Italian 1%
• Foreign-born: 5% · China, Canada
• Languages at home: 94% English-only · Tagalog/Filipino 2% Other Indo-European 2% Chinese 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: ▼ -126.30%
• Current HPI: 277.5957
• 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

+208.6% since first listed

2 events — show timeline

• 2026-05-15 Listed $179,000 BRIGHT MLS
• 1986-04-23 Sold (Public Records) $58,000 Public Records

Property tax history

+6.1%/yr

Latest (2026): $9,123 · +80.9% YoY. Source: county tax records.