3910 Camden Ave · Camden, NJ 08110

$185,000

3 bd · 2.5 ba · 920 sqft · SingleFamily public records · 14 Days on market

Built 1930 1,154 sqft lot Est $228k · 19% under

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Why this score? — see what drove the B- 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 +24.9/30.0
• ARV discount +15.0/15.0
• DSCR +8.1/10.0
• 1% rule +7.1/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

Key facts

• Built 1930
• Listed 14 days

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Natural gas heating and hot water; Public water; Public sewer
• Home design: Interior townhouse/rowhouse; Fee simple ownership; Year built estimated
• Construction: Brick construction; Brick/mortar foundation; Above-grade and below-grade structures
• Exterior features: Chain link and privacy fencing; No tidal water on the lot

Interior

• Kitchen: Kitchen (appliances not specified)
• Bedrooms: Two bedrooms on the upper level; One bedroom on the lower level
• Bathrooms: Two full bathrooms (one on upper level, one on lower level); One half bathroom on the main level
• Heating & cooling: Radiator heating; Window air conditioning units
• Interior features: Partially finished basement with interior access and an outside entrance; Dining room; Kitchen; Basement laundry
• Laundry & utility: Laundry in the basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $398 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).
• Cap rate 8.9% vs local median 7.1% in Camden — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 70/100 on livability (#262 in NJ) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A; Watch: schools F, crime F, employment F.
• Pennsauken Township Board Of Education School District (suburban): math 12% / reading 32% proficiency, ranked #410 of 472 in NJ (top 87%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 59 active listings in the ZIP; 9 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; 1,018 units permitted in Camden County in 2024 (509 in 5+ unit buildings).
• This rent runs 32% of the median local income ($84k/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 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 10y 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 $64k; list at $185k implies a 189% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 39% 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 $185,000

Questions for the listing agent

1. Built in 1930 — 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: 1.21% ✓
• Cap rate: 8.87%
• Cash-on-cash: 9.22%
• DSCR: 1.41
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $228,160
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
370 N 34th St	0.33mi	3/2.0	986 (+7%)	1mo	$270,000	$274	70
438 N 36th St	0.31mi	2/1.0 (-1)	842 (-8%)	13mo	$178,000	$211	50
4749 Poplar Ave	0.68mi	3/1.0	996 (+8%)	5mo	$215,000	$216	44
1801 48th St	0.56mi	3/1.0	880 (-4%)	21mo	$250,000	$284	44
4742 Browning Rd	0.74mi	2/1.0 (-1)	1,010 (+10%)	1mo	$250,000	$248	38
251 S 32nd St	0.67mi	3/1.0	986 (+7%)	17mo	$209,000	$212	37
4755 W End Ave	0.67mi	2/1.5 (-1)	1,038 (+13%)	2mo	$170,000	$164	37
1519 48th St	0.71mi	3/1.0	1,056 (+15%)	7mo	$279,000	$264	30
1765 44th St	0.40mi	2/1.0 (-1)	1,052 (+14%)	23mo	$265,000	$252	27

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: -2.3%
• Equity multiple: 0.91×
• Total profit: $-4,539
• Equity at exit: $27,584

10-year hold

• IRR: 7.4%
• Equity multiple: 1.56×
• Total profit: $29,049
• Equity at exit: $15,995

Cash invested: $51,800 (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 08110

• Home prices YoY: -10.9%
• Active inventory: 59
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $2,235 high
• Mortgage (P&I): −$970
• Tax from tax record: −$320 /mo · $3,844/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$469
• Net cashflow: $398

Break-even live

Break-even rent $1,731

Max offer price $185,000

Occupancy floor 77%

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
106 N 34th St Unit B Camden, NJ	3.0	2.0	900	$1,950	$2.17	24d	1	0.31mi
4601 High St Pennsauken, NJ	1.0–2.0	1.0	800	$1,675	$2.09	3d	4	0.40mi
2323 Browning Rd Pennsauken, NJ	3.0	1.0	923	$2,500	$2.71	24d	1	0.50mi
219 S 29th St Camden, NJ	2.0	1.0	625	$1,250	$2.00	12d	4	0.89mi
6366 Rogers Ave Unit 3 Pennsauken Township, NJ	3.0	1.0	1100	$2,100	$1.91	24d	1	1.13mi
4137 Marlton Pike Pennsauken Township, NJ	2.0	1.0	900	$1,800	$2.00	24d	1	1.14mi
200 E Maple Ave Unit 10 Merchantville, NJ	2.0	1.0	1000	$2,000	$2.00	4d	1	1.41mi
200 E Maple Ave Apt 13 Merchantville, NJ	2.0	1.0	1000	$2,000	$2.00	3d	1	1.41mi
200 E Maple Ave Unit 08 Merchantville, NJ	2.0	1.0	1000	$2,000	$2.00	18d	1	1.41mi

Listing history 11 events

1. 2026-05-17
   status Pending
2. 2026-05-04
   listed $185,000 Active
3. 2026-04-22
   historical $185,000
4. 2017-02-03
   soldstatus $64,000
5. 2016-12-23
   soldstatus $64,000 Sold 336-char remark

   Show marketing remark (335 chars)

   Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

6. 2016-12-23
   soldstatus $64,000 335-char remark

   Show marketing remark (335 chars)

   Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

7. 2016-11-16
   status Under Contract 336-char remark

   Show marketing remark (336 chars)

   Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

8. 2016-11-11
   historical 335-char remark

   Show marketing remark (335 chars)

   Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

9. 2016-10-24
   listed $60,000 Active 336-char remark

   Show marketing remark (336 chars)

   Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

10. 2016-10-22
    listed $60,000 335-char remark

    Show marketing remark (335 chars)

    Adorable Row Home offers enclosed front porch, formal Living Room, formal Dining Room and updated Kitchen with stainless steel appliances. Second floor has 2 nice-sized bedrooms and bright bathroom with skylight. And BONUS - basement has been partially finished to include another bedroom and a full updated bathroom. Fenced Back Yard.

11. 1990-03-21
    soldstatus $28,500

ⓘ 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: $3,844 · $320/mo
• Projected year-2 tax: $4,225 · $352/mo
• Expected delta: +$381/yr (+$32/mo · 9.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 39% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,820
• − Mortgage interest: −$10,363
• − Property taxes: −$3,844
• − Insurance: −$925
• − Repairs & maintenance: −$2,146
• − Management: −$2,146
• − Depreciation: −$5,382
• Taxable income: $2,014
• Est. tax owed @ 24.0%: −$483
• After-tax cash flow: $4,293/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: Pennsauken Township Board Of Education School District
• NCES district ID: 3412870
• Math proficiency: 12% ▼ -16.00%
• Reading proficiency: 32% ▼ -3.00%
• Median HH income: $60,336
• Composite: 20.48/100
• National rank: #8573
• State rank: #410 of 472 in NJ

Livability — Camden

• Score: 70/100
• State rank: #262
• US rank: #7721

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Camden County · 407,624 people
• City population: 20,865
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 19,158
• Household income: $83,729
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 404.0

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 0.67)
• Race & ethnicity: Hispanic / Latino 46% Black 30% White 14% Two or more races 13% Asian 7% Native American 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 17% Dominican 16%
• Common ancestry: Romanian 2% Hispanic 1% Iranian 1%
• Foreign-born: 28% · Canada, Vietnam, Jamaica
• Languages at home: 52% English-only · Spanish 35% Vietnamese 4% French/Haitian/Cajun 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: ▼ -53.44%
• Current HPI: 436.2879
• Rent YoY: —
• 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

+549.1% since first listed

11 events — show timeline

• 2026-05-17 Pending — BRIGHT MLS
• 2026-05-04 Listed $185,000 BRIGHT MLS
• 2026-04-22 Coming Soon $185,000 BRIGHT MLS
• 2017-02-03 Sold (Public Records) $64,000 Public Records
• 2016-12-23 Sold (MLS) $64,000 BRIGHT MLS
• 2016-12-23 Sold (MLS) $64,000 TREND
• 2016-11-16 Pending — TREND
• 2016-11-11 Listing Removed — BRIGHT MLS
• 2016-10-24 Listed $60,000 TREND
• 2016-10-22 Listed $60,000 BRIGHT MLS
• 1990-03-21 Sold (Public Records) $28,500 Public Records

Property tax history

+4.2%/yr

Latest (2025): $3,844 · +24.1% YoY. Source: county tax records.