526 York St · Burlington, NJ 08016

$165,888

3 bd · 1.0 ba · 2,016 sqft · Townhouse public records · 29 Days on market

Built 1900 7,070 sqft lot Est $296k · 44% 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 +29.9/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks

Attention investors and contractors! This property offers strong potential for the right buyer and is ready for a full renovation. Bring your vision and restore this home to its full potential. Property is being sold strictly as-is, and the buyer is responsible for all due diligence, inspections, repairs, certifications, and any municipal requirements. Cash or renovation financing preferred.

Key facts

• Built 1900
• Listed 28 days

Property features AI

Exterior

• Utilities: Instant hot water; Public water; Public sewer (or public septic listed)
• Home design: Semi-detached property; Main entrance faces north; Year built source: Assessor
• Construction: Stucco exterior; Permanent foundation; Above-grade and below-grade structures
• Exterior features: Lot dimensions approximately 54 x 131; No tidal water

Interior

• Bedrooms: 3 bedrooms on the main level
• Bathrooms: 1 full bathroom on the main level
• Interior features: Unfinished basement; Living area source: Assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $166k.

Deal economics

• At list price, monthly cash flow is $189 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $166k).
• Recommended offer: $163k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.7% vs local median 4.6% in Burlington — 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 78/100 on livability (#89 in NJ, #2,359 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A-; Watch: schools C-, amenities F.
• Burlington City Public School District (suburban): math 7% / reading 29% proficiency, ranked #439 of 472 in NJ (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 179 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 2,161 units permitted in Burlington County in 2024 (988 in 5+ unit buildings).

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.
• Burlington County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 25y ago; this cycle's ask has dropped $23k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $163,399 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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: 1.40% ✓
• Cap rate: 10.74%
• Cash-on-cash: 15.90%
• DSCR: 1.71
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $296,352
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
367 Barclay St	0.27mi	3/1.5	1,960 (-3%)	7mo	$260,000	$133	75
407 Lawrence St	0.13mi	4/1.5 (+1)	1,971 (-2%)	16mo	$189,900	$96	70
333 E Union St	0.30mi	4/2.0 (+1)	2,046 (+2%)	10mo	$300,000	$147	66
140 E Federal St	0.09mi	4/1.5 (+1)	1,760 (-13%)	3mo	$239,000	$136	65
25 E Federal St	0.11mi	4/3.0 (+1)	1,824 (-10%)	5mo	$310,000	$170	62
326 York St	0.21mi	4/1.5 (+1)	1,908 (-5%)	18mo	$139,000	$73	60
333 E Pearl St #6	0.40mi	3/2.5	1,750 (-13%)	2mo	$367,500	$210	52
122 E Union St	0.28mi	4/1.5 (+1)	1,852 (-8%)	19mo	$325,000	$175	50
220 York St	0.33mi	4/1.0 (+1)	1,848 (-8%)	19mo	$180,000	$97	49
438 W Broad St	0.72mi	4/2.0 (+1)	2,098 (+4%)	9mo	$319,900	$152	43
202 W Union St	0.51mi	4/2.5 (+1)	2,232 (+11%)	7mo	$299,900	$134	42
446 W Broad St	0.73mi	3/2.0	1,780 (-12%)	15mo	$270,000	$152	30

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: -8.5%
• Equity multiple: 0.69×
• Total profit: $-14,518
• Equity at exit: $24,734

10-year hold

• IRR: 1.3%
• Equity multiple: 1.09×
• Total profit: $4,222
• Equity at exit: $14,343

Cash invested: $46,449 (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 08016

• Home prices YoY: -21.8%
• Active inventory: 179
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $2,318 high
• Mortgage (P&I): −$870
• Tax from tax record: −$277 /mo · $3,326/yr
• Insurance: −$69
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$487
• Net cashflow: $189

Break-even live

Break-even rent $2,079

Max offer price $165,888

Occupancy floor 87%

Sensitivity live

Price	-10% $283	-5% $236	+0% $189	+5% $142	+10% $95
Rent	-10% $6	-5% $97	+0% $189	+5% $280	+10% $372
Rate	-1.0pp $272	-0.5pp $231	base $189	+0.5pp $146	+1.0pp $102

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: $41,472
• Closing costs: $4,977
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
405 Lawrence St Burlington, NJ	4.0	1.0	1859	$2,000	$1.08	6d	1	0.14mi
336 Barclay St Unit B Burlington, NJ	3.0	1.0	1944	$1,800	$0.93	25d	1	0.23mi
516 Columbus Rd Burlington, NJ	4.0	1.0	1404	$2,400	$1.71	2d	1	0.35mi
516 Columbus Rd Burlington, NJ	4.0	1.0	1600	$2,750	$1.72	15d	1	0.35mi
105 W Union St Burlington, NJ	4.0	1.5	1645	$2,000	$1.22	2d	1	0.45mi
115 Cedar St Unit 2 Bristol, PA	3.0	1.0	1700	$2,600	$1.53	2d	1	1.35mi
256 Radcliffe St Bristol, PA	4.0	2.0	1900	$3,250	$1.71	2d	1	1.35mi

Listing history 46 events

1. 2026-06-18
   days on market $165,888 Active 29 DOM
2. 2026-06-17
   days on market $165,888 Active 28 DOM
3. 2026-06-16
   days on market $165,888 Active 27 DOM
4. 2026-06-15
   days on market $165,888 Active 26 DOM
5. 2026-06-13
   days on market $165,888 Active 24 DOM
6. 2026-06-13
   days on market $165,888 Active 23 DOM
7. 2026-06-09
   days on market $165,888 Active 20 DOM
8. 2026-06-08
   days on market $165,888 Active 19 DOM
9. 2026-06-07
   days on market $165,888 Active 18 DOM
10. 2026-06-04
    days on market $165,888 Active 15 DOM
11. 2026-06-03
    days on market $165,888 Active 14 DOM
12. 2026-06-02
    days on market $165,888 Active 13 DOM
13. 2026-06-01
    days on market $165,888 Active 12 DOM
14. 2026-05-31
    days on market $165,888 Active 11 DOM
15. 2026-05-20
    listed $188,888 Active
16. 2025-07-16
    soldstatus $155,000
17. 2025-05-01
    historical
18. 2025-03-18
    listed $188,888 Active
19. 2025-01-10
    status Pending
20. 2025-01-10
    historical
21. 2024-11-13
    status Active
22. 2024-11-06
    historical Active Under Contract
23. 2024-10-09
    price $180,000
24. 2024-09-11
    listed $190,000 Active
25. 2024-09-10
    historical
26. 2014-12-11
    soldstatus $10,000
27. 2014-12-11
    soldstatus $10,000 Sold
28. 2014-12-06
    status Under Contract
29. 2014-12-05
    soldstatus $10,000 Sold
30. 2014-11-26
    status Under Contract
31. 2014-11-25
    historical
32. 2014-09-10
    price $29,000 Active
33. 2014-09-10
    status Active
34. 2014-09-10
    price $29,900
35. 2014-05-31
    historical
36. 2014-05-30
    soldstatus $10,000 Sold
37. 2014-04-19
    status Under Contract
38. 2014-04-04
    status Under Contract
39. 2014-04-04
    price $39,900 Active
40. 2014-04-04
    status Active
41. 2014-03-24
    status Under Contract
42. 2013-11-27
    price $45,500
43. 2013-10-21
    listed $29,900
44. 2013-10-21
    listed $49,900 Active
45. 2002-02-28
    historical
46. 2001-08-28
    listed $37,990

ⓘ 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: $3,326 · $277/mo
• Projected year-2 tax: $3,728 · $311/mo
• Expected delta: +$402/yr (+$34/mo · 12.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 92% 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 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,821
• − Mortgage interest: −$9,292
• − Property taxes: −$3,326
• − Insurance: −$5,948
• − Repairs & maintenance: −$2,226
• − Management: −$2,226
• − Depreciation: −$4,826
• Taxable loss: −$23
• Est. tax savings @ 24.0%: +$5
• After-tax cash flow: $2,271/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: Burlington City Public School District
• NCES district ID: 3402430
• Math proficiency: 7% ▼ -16.00%
• Reading proficiency: 29% ▼ -8.00%
• Median HH income: $51,122
• Composite: 16.27/100
• National rank: #9218
• State rank: #439 of 472 in NJ

Livability — Burlington

• Score: 78/100
• State rank: #89
• US rank: #2359

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Burlington, NJ
• County: Burlington County · 323,710 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 34,920
• Household income: $98,463
• Rent vs Own: 26.9% rent · 73.1% own
• Severe rent burden: 1045.0

Population outlook (Burlington County) Hauer SSP2

• Today (2025): 453,425 people
• By 2030: 452,359 · -0.2%
• By 2040: 445,033 · -1.9%
• By 2050: 431,760 · -4.8%
• By 2075: 406,277 · -10.4%
• By 2100: 364,732 · -19.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: White 44% Black 33% Two or more races 10% Hispanic / Latino 9% Asian 7%
• Hispanic origin (detail): Puerto Rican 4% Dominican 1%
• Common ancestry: Romanian 4% Hispanic 2% Lithuanian 1%
• Foreign-born: 15% · Canada
• Languages at home: 84% English-only · Spanish 4% Other Indo-European 4% French/Haitian/Cajun 2%

Political lean MEDSL · Burlington

• 2024 margin: D (+16.6) · D 57.6% · R 41.0% · Other 1.3%
• 2008→2024 swing: -2.0pp toward R · 2008: 18.6pp · 2024: 16.6pp
• All cycles: 2024: D+16.6 2020: D+19.5 2016: D+14.8 2012: D+18.7 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.42%
• Current HPI: 298.7935
• 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

+397.2% since first listed

32 events — show timeline

• 2026-05-20 Listed $188,888 BRIGHT MLS
• 2025-07-16 Sold (Public Records) $155,000 Public Records
• 2025-05-01 Listing Removed — BRIGHT MLS
• 2025-03-18 Listed $188,888 BRIGHT MLS
• 2025-01-10 Pending — BRIGHT MLS
• 2025-01-10 Listing Removed — BRIGHT MLS
• 2024-11-13 Relisted — BRIGHT MLS
• 2024-11-06 Contingent — BRIGHT MLS
• 2024-10-09 Price Changed $180,000 BRIGHT MLS
• 2024-09-11 Listed $190,000 BRIGHT MLS
• 2024-09-10 Coming Soon — BRIGHT MLS
• 2014-12-11 Sold (MLS) $10,000 TREND
• 2014-12-11 Sold (MLS) $10,000 BRIGHT MLS
• 2014-12-06 Pending — TREND
• 2014-12-05 Sold (MLS) $10,000 TREND
• 2014-11-26 Pending — TREND
• 2014-11-25 Listing Removed — BRIGHT MLS
• 2014-09-10 Relisted — TREND
• 2014-09-10 Price Changed $29,000 TREND
• 2014-09-10 Price Changed $29,900 TREND
• 2014-05-31 Delisted — TREND
• 2014-05-30 Sold (MLS) $10,000 TREND
• 2014-04-19 Pending — TREND
• 2014-04-04 Pending — TREND
• 2014-04-04 Relisted — TREND
• 2014-04-04 Price Changed $39,900 TREND
• 2014-03-24 Pending — TREND
• 2013-11-27 Price Changed $45,500 TREND
• 2013-10-21 Listed $49,900 TREND
• 2013-10-21 Listed $29,900 BRIGHT MLS
• 2002-02-28 Listing Removed — BRIGHT MLS
• 2001-08-28 Listed $37,990 BRIGHT MLS

Property tax history

+1.1%/yr

Latest (2025): $3,326 · +2.6% YoY. Source: county tax records.