415 Colina Ln · Coatesville, PA 19320

$239,900

3 bd · 1.5 ba · 1,346 sqft · SingleFamily public records · 3 Days on market

Built 2005 4,018 sqft lot $178/sqft · 11% below area Est $269k · 11% under $25/mo HOA · 1% of rent

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Why this score? — see what drove the D- 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).

• ARV discount +12.4/15.0
• Cash flow +9.3/30.0
• Rent growth +3.7/5.0
• Livability +3.5/5.0
• 1% rule +3.0/10.0
• DSCR +2.6/10.0
• Condition / age +2.5/5.0
• Schools +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

IDEAL STARTER HOME! Stop Throwing Money Away on Rent! Build Equity in YOUR Home and say Goodbye to your Landlord! This NEWER, SINGLE HOME is priced like a townhome, making it a great buy! An inviting front porch greets you as you enter this Charming 2 story Colonial with 3 Bedrooms, 1.5 Baths, Garage and Basement. The main level features a Kitchen with a generous amount of cabinetry and adjoining Dining Area, bright and airy Living Room with ceiling fan, Powder Room and access to the 1 Car Garage. Upstairs you'll find 3 Bedrooms with large closets, the Hall Bath with tub/shower and a convenient Laundry Room. The walk-out Basement with window offers plenty of space for finishing or for storage. Complete with all new flooring and fresh paint. Great Location with easy access to Major Routes 30/82/322. There's nothing left to do but unpack and enjoy!

Key facts

• 4,018 sq ft lot
• Garage
• Built 2005

Property features AI

Finance

• HOA & community: HOA fee of $300 annually

Exterior

• Parking: Attached front-entry garage with inside access; Driveway; One garage parking space (one total parking space)
• Utilities: Public water; Public sewer; Electric power
• Home design: Detached property; Fee simple ownership
• Construction: Vinyl siding; Concrete perimeter foundation; Above-grade finished living area
• Exterior features: Deck(s) and porch(es); Sidewalks; Ramp to main level (accessibility feature)

Interior

• Kitchen: Eat-in kitchen with table space
• Bedrooms: Three bedrooms on the upper level
• Flooring: Carpet; Vinyl
• Bathrooms: One full bathroom (upper level); One half bathroom (main level)
• Heating & cooling: Heat pump heating; Central air conditioning (electric); Electric hot water
• Interior features: Eat-in kitchen and table space; Tub/shower; Upper-floor laundry; Unfinished basement; 9 total rooms (living room, dining room, kitchen, laundry, full bath, half bath, master bedroom, two additional bedrooms)
• Laundry & utility: Laundry located on the upper floor

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-175 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $209k (12.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $192k (19.8% below list).
• Recommended offer: $192k (19.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#791 in PA) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F.
• Coatesville Area SD (suburban): math 18% / reading 31% proficiency, ranked #457 of 539 in PA (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Coatesville Area Shs (math 33% / reading 24%, grade F, #358 of 437 statewide, top 82%, 1,412 students, 80% FRL) — zoned schools average 80% FRL vs 48% district-wide (31 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.8%/yr); 250 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,513 units permitted in Chester County in 2024 (354 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Chester County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 6y 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.
• Current owner paid $160k; 50% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 23% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $192,492 (19.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.80% ✗
• Cap rate: 5.42%
• Cash-on-cash: -3.13%
• DSCR: 0.86
• GRM: 10.4

CMA / ARV

• ARV (median comp): $269,128
• List price: $239,900
• Delta: -10.86%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
403 Colina Ln	0.05mi	3/1.5	1,346 (0%)	13mo	$265,000	$197	87
311 Community Ln	0.15mi	3/1.5	1,407 (+4%)	5mo	$288,000	$205	81
146 S 5th Ave	0.10mi	3/1.0	1,544 (+15%)	1mo	$195,000	$126	68
34 Penn Ave	0.29mi	4/1.5 (+1)	1,485 (+10%)	12mo	$335,000	$226	54
633 Coates St	0.69mi	4/3.0 (+1)	1,331 (-1%)	1mo	$298,000	$224	54
628 Merchant St	0.60mi	3/1.0	1,456 (+8%)	3mo	$155,000	$106	54
204 Union Ave	0.66mi	3/1.0	1,338 (-1%)	19mo	$150,000	$112	50
205 Union Ave	0.65mi	3/1.0	1,248 (-7%)	14mo	$195,000	$156	44
1027 Oak St	0.74mi	3/1.5	1,515 (+13%)	12mo	$285,000	$188	35
411 Cedar St	0.64mi	4/1.0 (+1)	1,232 (-8%)	20mo	$160,000	$130	33
335 Strode Ave	0.70mi	3/2.0	1,502 (+12%)	22mo	$230,000	$153	28

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 · 4.82% rent growth · sell at horizon

5-year hold

• IRR: -19.4%
• Equity multiple: 0.31×
• Total profit: $-46,394
• Equity at exit: $35,770

10-year hold

• IRR: -8.7%
• Equity multiple: 0.42×
• Total profit: $-39,273
• Equity at exit: $20,742

Cash invested: $67,172 (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 19320

• Rents YoY: 4.8%
• Active inventory: 250
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,925 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$313 /mo · $3,755/yr
• Insurance: −$100
• HOA: −$25
• Vacancy / Maint / Mgmt: −$404
• Net cashflow: $-175

Break-even live

Break-even rent $2,147

Max offer price $208,944

Occupancy floor —

Sensitivity live

Price	-10% $-39	-5% $-107	+0% $-175	+5% $-243	+10% $-311
Rent	-10% $-327	-5% $-251	+0% $-175	+5% $-99	+10% $-23
Rate	-1.0pp $-54	-0.5pp $-114	base $-175	+0.5pp $-237	+1.0pp $-301

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
92 Virginia Ave Coatesville, PA	3.0	1.5	1184	$1,850	$1.56	25d	1	0.27mi
23 N 2nd Ave Coatesville, PA	3.0	1.0	1125	$1,685	$1.50	25d	1	0.46mi
603 E Chestnut St Coatesville, PA	4.0	1.0	1629	$2,000	$1.23	22d	1	0.54mi
749 Oak St Coatesville, PA	3.0	1.0	924	$1,800	$1.95	3d	1	0.54mi
100 Harlan Dr Coatesville, PA	2.0–4.0	1.0–2.0	1062	$1,294	$1.22	2d	1	0.56mi
633 Coates St Coatesville, PA	4.0	3.0	1331	$1,250	$0.94	25d	1	0.70mi
342 Valley Rd Coatesville, PA	3.0	1.0	1131	$1,450	$1.28	44d	1	0.74mi
322 Charles St Coatesville, PA	3.0	1.0	1064	$1,700	$1.60	25d	1	0.77mi
1064 Wayne Ave Coatesville, PA	2.0–3.0	1.0–1.5	1180	$1,900	$1.61	2d	5	0.81mi
868 Coates St Coatesville, PA	3.0	2.0	1016	$1,750	$1.72	22d	1	0.85mi
1136 Stirling St Coatesville, PA	3.0	1.5	1572	$2,195	$1.40	25d	1	0.88mi
845 Poplar St Coatesville, PA	3.0	1.5	1152	$2,250	$1.95	19d	1	0.89mi
416 W Lincoln Hwy Coatesville, PA	3.0	1.0	1240	$2,100	$1.69	19d	1	0.89mi
100 Cobblestone Dr Coatesville, PA	1.0–2.0	1.0–2.0	974	$2,039	$2.09	20d	19	1.00mi
100 Cobblestone Dr Unit 1816 Coatesville, PA	2.0	2.0	1178	$1,965	$1.67	15d	1	1.00mi
100 Cobblestone Dr Unit 2209 Coatesville, PA	2.0	2.0	1078	$2,000	$1.86	15d	1	1.00mi
100 Cobblestone Dr Unit 2024 Coatesville, PA	2.0	2.0	1178	$1,925	$1.63	15d	1	1.00mi
100 Cobblestone Dr Unit 2216 Coatesville, PA	2.0	2.0	1178	$1,810	$1.54	15d	1	1.00mi
100 Cobblestone Dr Unit 1109 Coatesville, PA	2.0	2.0	1178	$1,766	$1.50	15d	1	1.00mi
100 Cobblestone Dr Unit 1910 Coatesville, PA	2.0	2.0	1088	$1,890	$1.74	15d	1	1.00mi
100 Cobblestone Dr Unit 1407 Coatesville, PA	2.0	2.0	1178	$1,784	$1.51	15d	1	1.00mi
100 Cobblestone Dr Unit 2114 Coatesville, PA	2.0	2.0	1088	$1,719	$1.58	15d	1	1.00mi
100 Cobblestone Dr Unit 2224 Coatesville, PA	2.0	2.0	1178	$1,840	$1.56	6d	1	1.00mi
40 Beech St Coatesville, PA	4.0	1.0	1150	$1,850	$1.61	25d	1	1.02mi
18 N Brandywine Ave Coatesville, PA	2.0	1.0	1064	$1,900	$1.79	44d	1	1.41mi

HOA detail

• Monthly dues: $25 · $300/yr

Listing history 8 events

1. 2026-05-09
   status Pending 991-char remark
2. 2026-05-06
   listed $239,900 Active 991-char remark
3. 2026-05-04
   historical $239,900 991-char remark
4. 2020-03-27
   soldstatus $160,000
5. 2020-03-24
   soldstatus $160,000 Closed 859-char remark

   Show marketing remark (859 chars)

   IDEAL STARTER HOME! Stop Throwing Money Away on Rent! Build Equity in YOUR Home and say Goodbye to your Landlord! This NEWER, SINGLE HOME is priced like a townhome, making it a great buy! An inviting front porch greets you as you enter this Charming 2 story Colonial with 3 Bedrooms, 1.5 Baths, Garage and Basement. The main level features a Kitchen with a generous amount of cabinetry and adjoining Dining Area, bright and airy Living Room with ceiling fan, Powder Room and access to the 1 Car Garage. Upstairs you'll find 3 Bedrooms with large closets, the Hall Bath with tub/shower and a convenient Laundry Room. The walk-out Basement with window offers plenty of space for finishing or for storage. Complete with all new flooring and fresh paint. Great Location with easy access to Major Routes 30/82/322. There's nothing left to do but unpack and enjoy!

6. 2020-02-29
   status Pending 859-char remark

   Show marketing remark (859 chars)

   IDEAL STARTER HOME! Stop Throwing Money Away on Rent! Build Equity in YOUR Home and say Goodbye to your Landlord! This NEWER, SINGLE HOME is priced like a townhome, making it a great buy! An inviting front porch greets you as you enter this Charming 2 story Colonial with 3 Bedrooms, 1.5 Baths, Garage and Basement. The main level features a Kitchen with a generous amount of cabinetry and adjoining Dining Area, bright and airy Living Room with ceiling fan, Powder Room and access to the 1 Car Garage. Upstairs you'll find 3 Bedrooms with large closets, the Hall Bath with tub/shower and a convenient Laundry Room. The walk-out Basement with window offers plenty of space for finishing or for storage. Complete with all new flooring and fresh paint. Great Location with easy access to Major Routes 30/82/322. There's nothing left to do but unpack and enjoy!

7. 2020-02-13
   historical Active Under Contract 859-char remark

   Show marketing remark (859 chars)

   IDEAL STARTER HOME! Stop Throwing Money Away on Rent! Build Equity in YOUR Home and say Goodbye to your Landlord! This NEWER, SINGLE HOME is priced like a townhome, making it a great buy! An inviting front porch greets you as you enter this Charming 2 story Colonial with 3 Bedrooms, 1.5 Baths, Garage and Basement. The main level features a Kitchen with a generous amount of cabinetry and adjoining Dining Area, bright and airy Living Room with ceiling fan, Powder Room and access to the 1 Car Garage. Upstairs you'll find 3 Bedrooms with large closets, the Hall Bath with tub/shower and a convenient Laundry Room. The walk-out Basement with window offers plenty of space for finishing or for storage. Complete with all new flooring and fresh paint. Great Location with easy access to Major Routes 30/82/322. There's nothing left to do but unpack and enjoy!

8. 2020-02-04
   listed $160,000 Active 859-char remark

   Show marketing remark (859 chars)

   IDEAL STARTER HOME! Stop Throwing Money Away on Rent! Build Equity in YOUR Home and say Goodbye to your Landlord! This NEWER, SINGLE HOME is priced like a townhome, making it a great buy! An inviting front porch greets you as you enter this Charming 2 story Colonial with 3 Bedrooms, 1.5 Baths, Garage and Basement. The main level features a Kitchen with a generous amount of cabinetry and adjoining Dining Area, bright and airy Living Room with ceiling fan, Powder Room and access to the 1 Car Garage. Upstairs you'll find 3 Bedrooms with large closets, the Hall Bath with tub/shower and a convenient Laundry Room. The walk-out Basement with window offers plenty of space for finishing or for storage. Complete with all new flooring and fresh paint. Great Location with easy access to Major Routes 30/82/322. There's nothing left to do but unpack and enjoy!

ⓘ 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: $3,755 · $313/mo
• Projected year-2 tax: $3,773 · $314/mo
• Expected delta: +$18/yr (+$1/mo · 0.5%)

ⓘ 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 ≥100°F today · 14 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 23% 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: $23,099
• − Mortgage interest: −$13,438
• − Property taxes: −$3,755
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,848
• − Management: −$1,848
• − HOA: −$300
• − Depreciation: −$6,979
• Taxable loss: −$6,268
• Est. tax savings @ 24.0%: +$1,504
• After-tax cash flow: $-598/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: Coatesville Area SD
• NCES district ID: 4206240
• Math proficiency: 18% ▼ -9.00%
• Reading proficiency: 31% ▼ -9.00%
• Median HH income: $66,753
• Composite: 23.19/100
• National rank: #7944
• State rank: #457 of 539 in PA

Livability — Coatesville

• Score: 70/100
• State rank: #791
• US rank: #7996

Category grades

Amenities F Commute B 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

• Census place: Coatesville, PA
• County: Chester County · 432,350 people
• City population: 55,941
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 55,941
• Household income: $90,601
• Rent vs Own: 26.2% rent · 73.8% own
• Severe rent burden: 1480.0

Population outlook (Chester County) Hauer SSP2

• Today (2025): 546,756 people
• By 2030: 559,441 · +2.3%
• By 2040: 576,377 · +5.4%
• By 2050: 580,602 · +6.2%
• By 2075: 581,575 · +6.4%
• By 2100: 540,922 · -1.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 62% Black 17% Hispanic / Latino 14% Two or more races 11%
• Hispanic origin (detail): Mexican 5% Puerto Rican 5%
• Common ancestry: Romanian 4% Lithuanian 2% Slovak 2%
• Foreign-born: 6% · Canada
• Languages at home: 87% English-only · Spanish 10% German/W. Germanic 1% Russian/Polish/Slavic 0%

Political lean MEDSL · Chester

• 2024 margin: D (+14.5) · D 56.7% · R 42.2% · Other 1.0%
• 2008→2024 swing: +5.2pp toward D · 2008: 9.2pp · 2024: 14.5pp
• All cycles: 2024: D+14.5 2020: D+17.0 2016: D+9.2 2012: R+0.4 2008: D+9.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -195.38%
• Current HPI: 274.045
• Rent YoY: ▲ 4.82%
• 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

+49.9% since first listed

8 events — show timeline

• 2026-05-09 Pending — BRIGHT MLS
• 2026-05-06 Listed $239,900 BRIGHT MLS
• 2026-05-04 Coming Soon $239,900 BRIGHT MLS
• 2020-03-27 Sold (Public Records) $160,000 Public Records
• 2020-03-24 Sold (MLS) $160,000 BRIGHT MLS
• 2020-02-29 Pending — BRIGHT MLS
• 2020-02-13 Contingent — BRIGHT MLS
• 2020-02-04 Listed $160,000 BRIGHT MLS

Property tax history

+3.1%/yr

Latest (2026): $3,755 · +2.4% YoY. Source: county tax records.