54 La Cascata Tnhs · Lindenwold, NJ 08021

$210,000

2 bd · 1.5 ba · 1,016 sqft · SingleFamily public records · 8 Days on market

Built 1975 Est $283k · 26% under $100/mo HOA · 5% of rent

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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 +15.4/30.0
• ARV discount +15.0/15.0
• DSCR +4.7/10.0
• 1% rule +4.4/10.0
• Livability +3.4/5.0
• Rent growth +3.3/5.0
• Schools +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this move-in ready 2-bedroom, 1.5-bath townhome located in the desirable La Cascata community. This home has been recently refreshed with thoughtful updates throughout, including a new HVAC system, new flooring on the first level, new carpet throughout the second floor, fresh interior paint, and several new appliances including the refrigerator, stove/range and dishwasher. The main level offers a comfortable and functional layout with a convenient half bath, laundry closet with full-size washer and dryer, and an open dining and living room area that provides great space for everyday living and entertaining. A door from the living room leads out to the spacious fenced backyard, of

Key facts

• New carpet
• New flooring
• New appliances

Tags

• NEW HVAC SYSTEM
• NEW FLOORING
• NEW CARPET
• FRESH INTERIOR PAINT
• NEW APPLIANCES
• FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $80 ($955/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 $198k (5.9% below list).
• Recommended offer: $198k (5.9% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 5.2% in Lindenwold — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 68/100 on livability (#312 in NJ) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A, cost of living B; Watch: employment C-, crime D, amenities D-.
• Gloucester Township Public Schools (suburban): math 14% / reading 41% proficiency, ranked #351 of 472 in NJ (top 74%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Highland Regional High School (math 9% / reading 41%, grade F, #325 of 399 statewide, top 81%, 1,204 students, 31% FRL) — zoned schools at 31% FRL track the district average.
• Market conditions: Rents rising (+3.0%/yr); 242 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); 1,018 units permitted in Camden County in 2024 (509 in 5+ unit buildings).
• This rent runs 35% of the median local income ($68k/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 $6k of value loss. Plan a longer hold.
• Camden County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 8 sale attempts since 25y 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 $47k; list at $210k implies a 346% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 61% 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 $197,605 (5.9% below list)

Questions for the listing agent

1. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 D 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. 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.
7. 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.
8. 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: 0.94% ✗
• Cap rate: 6.75%
• Cash-on-cash: 1.62%
• DSCR: 1.07
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $283,464
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
175 La Cascata Tnhs	0.18mi	2/1.5	1,016 (0%)	21mo	$215,000	$212	74
8 Lancia Pl	0.68mi	3/2.0 (+1)	1,020 (+0%)	3mo	$299,000	$293	58
600 6th Ave	0.67mi	3/1.5 (+1)	1,008 (-1%)	10mo	$340,000	$337	54
39 Spring Garden St	0.50mi	3/1.0 (+1)	1,092 (+8%)	6mo	$245,000	$224	52
1614 Huntingdon Mews	0.65mi	2/2.0	882 (-13%)	1mo	$180,000	$204	45
409 10th Ave	0.75mi	2/—	900 (-11%)	2mo	$256,000	$284	44
811 Aston Martin Dr	0.74mi	3/2.0 (+1)	960 (-6%)	11mo	$150,000	$156	40
1083 Chews Land Clem Rd	0.66mi	3/1.0 (+1)	1,120 (+10%)	7mo	$270,000	$241	39
728 Bentley Rd	0.65mi	3/1.0 (+1)	912 (-10%)	13mo	$254,000	$279	35
725 Bentley Rd	0.68mi	3/1.0 (+1)	912 (-10%)	12mo	$245,000	$269	34
732 Aston Martin Dr	0.71mi	3/1.0 (+1)	912 (-10%)	14mo	$276,000	$303	31
729 Aston Martin Dr	0.74mi	3/1.0 (+1)	912 (-10%)	21mo	$280,000	$307	24

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 · 3.02% rent growth · sell at horizon

5-year hold

• IRR: -13.7%
• Equity multiple: 0.51×
• Total profit: $-28,873
• Equity at exit: $31,312

10-year hold

• IRR: -4.7%
• Equity multiple: 0.69×
• Total profit: $-18,257
• Equity at exit: $18,157

Cash invested: $58,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 21 Tenant-Leaning
• State New Jersey: 21 Tenant-Leaning · D+6
• County: — inherits STATE
• City: — inherits STATE

Anti-eviction Act requires just-cause statewide; rent control in 100+ municipalities; one of the most tenant-friendly states.

Methodology + full state rankings →

ZIP-level market 08021

• Home prices YoY: -31.6%
• Rents YoY: 3.0%
• Active inventory: 242
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,976 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$193 /mo · $2,313/yr
• Insurance: −$88
• HOA: −$100
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $80

Break-even live

Break-even rent $1,875

Max offer price $210,000

Occupancy floor 91%

Sensitivity live

Price	-10% $198	-5% $139	+0% $80	+5% $20	+10% $-39
Rent	-10% $-77	-5% $2	+0% $80	+5% $158	+10% $236
Rate	-1.0pp $185	-0.5pp $133	base $80	+0.5pp $25	+1.0pp $-30

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1800 Laurel Rd Lindenwold, NJ	1.0–2.0	1.0–2.0	885	$2,072	$2.34	0d	25	0.21mi
1990 Laurel Rd Apt AK313 Lindenwold, NJ	1.0–2.0	1.0	691	$1,450	$2.10	14d	3	0.24mi
1600 Laurel Rd Lindenwold, NJ	1.0–2.0	1.0–1.5	900	$1,600	$1.78	26d	1	0.31mi
500 Chews Landing Rd Lindenwold, NJ	1.0–2.0	1.0	875	$1,750	$2.00	26d	1	0.52mi
1801 Broadacres Dr Clementon, NJ	2.0	1.0–2.0	910	$1,978	$2.17	0d	8	0.58mi
51 Chiswick Dr Unit 1 Lindenwold, NJ	3.0	2.0	1110	$2,650	$2.39	0d	1	0.60mi
1341 Blackwood Clementon Rd Clementon, NJ	1.0–2.0	1.0	925	$2,669	$2.89	0d	22	0.62mi
1109 Huntingdon Mews Clementon, NJ	2.0	2.0	946	$1,750	$1.85	17d	1	0.65mi
9 Georgetown Rd Lindenwold, NJ	3.0	2.5	1268	$2,600	$2.05	0d	1	0.67mi
828 Blackwood Clementon Rd Pine Hill, NJ	1.0–2.0	1.0	734	$1,575	$2.15	24d	1	0.93mi
432 Highland Ests Clementon, NJ	1.0	1.0	827	$1,500	$1.81	14d	1	1.00mi
1200 Little Gloucester Rd Clementon, NJ	1.0–2.0	1.0	875	$3,100	$3.54	0d	1	1.03mi
359 Lake Blvd Lindenwold, NJ	3.0	2.0	1196	$2,900	$2.42	0d	1	1.06mi
105 Blackwood Clementon Rd Lindenwold, NJ	1.0–2.0	1.0	800	$1,600	$2.00	18d	1	1.11mi
1000 W Atlantic Ave Laurel Springs, NJ	1.0	1.0	770	$1,350	$1.75	0d	2	1.35mi
4402 Aberdeen Ln Blackwood, NJ	2.0	2.5	1257	$2,600	$2.07	0d	1	1.44mi
215 S Atlantic Ave E Stratford, NJ	3.0	1.0	1460	$2,445	$1.67	12d	1	1.49mi

HOA detail

• Monthly dues: $100 · $1,200/yr

Listing history 19 events

1. 2026-04-24
   status Pending
2. 2026-04-16
   listed $210,000 Active
3. 2012-01-03
   soldstatus $47,100
4. 2011-09-23
   historical
5. 2010-09-23
   listed $59,000
6. 2010-08-28
   historical
7. 2010-01-28
   listed $50,000
8. 2009-04-24
   historical
9. 2008-04-25
   listed $111,000
10. 2005-12-28
    soldstatus $86,000
11. 2005-11-29
    soldstatus $86,000
12. 2005-11-11
    historical
13. 2005-10-18
    listed $86,000
14. 2003-06-10
    historical
15. 2003-01-10
    listed $59,000
16. 2002-06-11
    listed $66,900
17. 2002-06-11
    historical
18. 2001-07-31
    historical
19. 2001-01-09
    listed $56,900

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

Tax reassessment forecast NJ · Partial reset (capped growth)

• Current annual tax: $2,313 · $193/mo
• Projected year-2 tax: $3,771 · $314/mo
• Expected delta: +$1,458/yr (+$122/mo · 63.0%)

ⓘ 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 7/10 Severe 7 d/yr ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 61% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,713
• − Mortgage interest: −$11,763
• − Property taxes: −$2,313
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,897
• − Management: −$1,897
• − HOA: −$1,200
• − Depreciation: −$6,109
• Taxable loss: −$2,517
• Est. tax savings @ 24.0%: +$604
• After-tax cash flow: $1,559/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: Gloucester Township Public Schools
• NCES district ID: 3406030
• Math proficiency: 14% ▼ -28.00%
• Reading proficiency: 41% ▼ -13.00%
• Median HH income: $72,539
• Composite: 26.18/100
• National rank: #7269
• State rank: #351 of 472 in NJ

Livability — Lindenwold

• Score: 68/100
• State rank: #312
• US rank: #9603

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Camden County · 407,624 people
• City population: 49,305
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 49,305
• Household income: $68,044
• Rent vs Own: 53.3% rent · 46.7% own
• Severe rent burden: 3050.0

Population outlook (Camden County) Hauer SSP2

• Today (2025): 507,964 people
• By 2030: 502,182 · -1.1%
• By 2040: 485,602 · -4.4%
• By 2050: 465,630 · -8.3%
• By 2075: 419,986 · -17.3%
• By 2100: 369,492 · -27.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 44% Black 27% Hispanic / Latino 20% Two or more races 11% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 6% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 1% Iranian 1%
• Foreign-born: 12% · Canada, China, Vietnam
• Languages at home: 81% English-only · Spanish 14% Chinese 1% Tagalog/Filipino 1%

Political lean MEDSL · Camden

• 2024 margin: Strong D (+27.4) · D 63.0% · R 35.5% · Other 1.5%
• 2008→2024 swing: -8.8pp toward R · 2008: 36.2pp · 2024: 27.4pp
• All cycles: 2024: D+27.4 2020: D+33.5 2016: D+32.4 2012: D+36.6 2008: D+36.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -156.73%
• Current HPI: 338.8351
• Rent YoY: ▲ 3.02%
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• State GDP YoY: ▲ 2.05%
• F500 in state: 34

Industry mix (Fortune 500 HQ in NJ)

Industry	F500 HQs	Revenue
▸Consumer Goods	3	$31B
▸Pharmaceuticals	2	$153B
▸Technology	2	$21B
▸Insurance	2	$20B
▸Healthcare	2	$19B
▸Financial Services	1	$70B

Price history

+269.1% since first listed

19 events — show timeline

• 2026-04-24 Pending — BRIGHT MLS
• 2026-04-16 Listed $210,000 BRIGHT MLS
• 2012-01-03 Sold (Public Records) $47,100 Public Records
• 2011-09-23 Listing Removed — BRIGHT MLS
• 2010-09-23 Listed $59,000 BRIGHT MLS
• 2010-08-28 Listing Removed — BRIGHT MLS
• 2010-01-28 Listed $50,000 BRIGHT MLS
• 2009-04-24 Listing Removed — BRIGHT MLS
• 2008-04-25 Listed $111,000 BRIGHT MLS
• 2005-12-28 Sold (Public Records) $86,000 Public Records
• 2005-11-29 Sold (MLS) $86,000 BRIGHT MLS
• 2005-11-11 Listing Removed — BRIGHT MLS
• 2005-10-18 Listed $86,000 BRIGHT MLS
• 2003-06-10 Listing Removed — BRIGHT MLS
• 2003-01-10 Listed $59,000 BRIGHT MLS
• 2002-06-11 Listing Removed — BRIGHT MLS
• 2002-06-11 Listed $66,900 BRIGHT MLS
• 2001-07-31 Listing Removed — BRIGHT MLS
• 2001-01-09 Listed $56,900 BRIGHT MLS

Property tax history

-0.6%/yr

Latest (2025): $2,313 · +2.1% YoY. Source: county tax records.