40 Trescott Ln · Willingboro, NJ 08046

$315,000

3 bd · 1.0 ba · 1,776 sqft · SingleFamily public records · 23 Days on market

Built 1969 9,997 sqft lot Est $387k · 19% under

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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 +15.0/15.0
• Cash flow +13.7/30.0
• 1% rule +5.0/10.0
• DSCR +4.1/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 40 Trescott Lane, located in the highly desirable Twin Hills section of Willingboro. Known for its quiet streets, spacious homes, and convenient access to major roadways, shopping, and everyday essentials, Twin Hills continues to be one of the area’s most sought-after neighborhoods. This fixer-upper presents an excellent opportunity for buyers considering a 203(k) renovation loan, fix-and-flip project, or long-term rental investment. Offering a solid layout, great structural integrity, newer plumbing lines, and fully functional systems, the home is ready for cosmetic updates to truly bring its full potential to life. Whether you're an investor or a homeowner with vision, th

Key facts

• 9,997 sq ft lot
• Built 1969
• Listed 22 days

Property features AI

Finance

• Other: Fee simple ownership; Above-grade finished area about 1,776 (assessor); Total below-grade area listed as 0; Year built source: assessor; Improvement assessed value listed; Land assessed value listed

Exterior

• Parking: Driveway; On-street parking
• Utilities: Public water; Public septic; Natural gas hot water; Natural gas heating; Electric cooling
• Home design: Detached structure; Frame construction
• Construction: Frame construction; Slab foundation
• Exterior features: Lot dimensions approximately 80 x 125; No tidal water; Pets allowed with no restrictions

Interior

• Bedrooms: 3 bedrooms on the main level
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: No basement; Living area per assessor

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $315k.

Deal economics

• At list price, monthly cash flow is $22 ($261/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 $314k (0.3% below list).
• Recommended offer: $310k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Willingboro Public School District (suburban): math 5% / reading 30% proficiency, ranked #433 of 472 in NJ (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 151 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 1d 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).
• This rent runs 38% of the median local income ($98k/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 $2k of loan paydown is wiped out by about $9k 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 23 days — a 2% lower offer ($310k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: major wind risk, 53% 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 $310,275 (1.5% below list)

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.00% ✗
• Cap rate: 6.38%
• Cash-on-cash: 0.30%
• DSCR: 1.01
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $387,168
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15 Toledo Ln	0.14mi	4/2.0 (+1)	1,770 (-0%)	3mo	$295,000	$167	82
30 Tipton Ln	0.32mi	3/2.0	1,776 (0%)	2mo	$388,000	$218	80
208 2nd St	0.30mi	4/2.0 (+1)	1,795 (+1%)	1mo	$560,000	$312	74
52 Twisting Ln	0.18mi	3/2.5	1,685 (-5%)	5mo	$430,000	$255	73
172 Tiffany Ln	0.38mi	4/2.0 (+1)	1,770 (-0%)	3mo	$429,000	$242	70
72 Edge Ln	0.58mi	4/2.0 (+1)	1,770 (-0%)	1mo	$305,000	$172	62
112 Toledo Ln	0.39mi	3/2.0	1,888 (+6%)	6mo	$374,900	$199	62
26 Elderberry Ln	0.66mi	3/2.0	1,730 (-3%)	1mo	$335,000	$194	60
11 Valley Farm Rd	0.59mi	4/3.0 (+1)	1,800 (+1%)	4mo	$575,000	$319	54
22 Tarpon Ct	0.46mi	4/2.5 (+1)	1,959 (+10%)	1mo	$345,000	$176	49
111 Edge Ln	0.69mi	4/2.0 (+1)	1,573 (-11%)	1mo	$335,000	$213	39
11 Guild Ct	0.63mi	4/2.0 (+1)	1,542 (-13%)	5mo	$355,865	$231	36

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: -15.7%
• Equity multiple: 0.44×
• Total profit: $-49,439
• Equity at exit: $46,968

10-year hold

• IRR: -7.2%
• Equity multiple: 0.54×
• Total profit: $-40,370
• Equity at exit: $27,235

Cash invested: $88,200 (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 08046

• Active inventory: 151
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $3,142 medium
• Mortgage (P&I): −$1,652
• Tax from tax record: −$677 /mo · $8,127/yr
• Insurance: −$131
• HOA: −$0
• Vacancy / Maint / Mgmt: −$660
• Net cashflow: $22

Break-even live

Break-even rent $3,114

Max offer price $315,000

Occupancy floor 94%

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: $78,750
• Closing costs: $9,450
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3 Crest Ct Mount Laurel, NJ	3.0	2.5	1823	$3,500	$1.92	2d	1	0.84mi
4 Elliot Ln Westampton, NJ	3.0	2.5	1500	$2,900	$1.93	1d	1	0.89mi
16 Elridge Ln Willingboro, NJ	3.0	2.0	1350	$2,650	$1.96	1d	1	1.24mi
62 Sharpless Blvd Westampton, NJ	3.0	1.5	1490	$2,275	$1.53	1d	1	1.31mi

Listing history 16 events

1. 2026-06-18
   days on market $315,000 Active 23 DOM
2. 2026-06-17
   days on market $315,000 Active 22 DOM
3. 2026-06-16
   days on market $315,000 Active 21 DOM
4. 2026-06-15
   days on market $315,000 Active 20 DOM
5. 2026-06-13
   days on market $315,000 Active 18 DOM
6. 2026-06-13
   days on market $315,000 Active 17 DOM
7. 2026-06-09
   days on market $315,000 Active 14 DOM
8. 2026-06-08
   days on market $315,000 Active 13 DOM
9. 2026-06-07
   days on market $315,000 Active 12 DOM
10. 2026-06-04
    days on market $315,000 Active 9 DOM
11. 2026-06-03
    days on market $315,000 Active 8 DOM
12. 2026-06-02
    days on market $315,000 Active 7 DOM
13. 2026-06-01
    days on market $315,000 Active 6 DOM
14. 2026-05-31
    days on market $315,000 Active 5 DOM
15. 2026-05-27
    listed $315,000 Active
16. 2026-05-27
    historical $315,000

ⓘ 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: $8,127 · $677/mo
• Projected year-2 tax: $8,127 · $677/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 7/10 Severe 7 d/yr ≥105°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 53% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $37,703
• − Mortgage interest: −$17,645
• − Property taxes: −$8,127
• − Insurance: −$1,575
• − Repairs & maintenance: −$3,016
• − Management: −$3,016
• − Depreciation: −$9,164
• Taxable loss: −$4,840
• Est. tax savings @ 24.0%: +$1,162
• After-tax cash flow: $1,422/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: Willingboro Public School District
• NCES district ID: 3418000
• Math proficiency: 5% ▼ -11.00%
• Reading proficiency: 30% ▼ -1.00%
• Median HH income: $67,064
• Composite: 17.37/100
• National rank: #9074
• State rank: #433 of 472 in NJ

Livability — Willingboro

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Burlington County · 323,710 people
• Metro: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
• Population (ZIP): 31,981
• Household income: $98,178
• Rent vs Own: 15.8% rent · 84.2% own
• Severe rent burden: 342.0

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: Predominantly Black (66%)
• Race & ethnicity: Black 66% Hispanic / Latino 15% Two or more races 14% White 10%
• Hispanic origin (detail): Puerto Rican 9% Dominican 2%
• Common ancestry: Swiss 4% Romanian 2% Hispanic 1%
• Foreign-born: 15% · Canada, Jamaica
• Languages at home: 82% English-only · Spanish 10% French/Haitian/Cajun 2% Other Indo-European 1%

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: ▼ -273.52%
• Current HPI: 348.3441
• 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

+0.0% since first listed

2 events — show timeline

• 2026-05-27 Listed $315,000 BRIGHT MLS
• 2026-05-27 Coming Soon $315,000 BRIGHT MLS

Property tax history

+2.6%/yr

Latest (2025): $8,127 · +2.0% YoY. Source: county tax records.