1139 Lowell St · Camden, NJ 08104

$159,900

3 bd · 1.0 ba · 1,201 sqft · SingleFamily public records · 165 Days on market

Built 1918 937 sqft lot Est $186k · 14% under

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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 +25.2/30.0
• ARV discount +13.8/15.0
• DSCR +8.3/10.0
• 1% rule +6.0/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

Key facts

• Arched doorways
• Antique wooden doors
• Original woodwork

Tags

• HARDWOOD FLOORS
• ORIGINAL WOODWORK
• ANTIQUE WOODEN DOORS
• ARCHED DOORWAYS
• CONTEMPORARY LIGHTING
• STAINLESS STEEL APPLIANCES

Property features AI

Exterior

• Parking: On-street parking
• Utilities: Public water; Public sewer; Natural gas service
• Home design: Interior townhouse/rowhouse; Fee simple ownership
• Construction: Brick construction; Permanent foundation
• Exterior features: Lot dimensions approximately 13.00 x 0.00; No tidal water

Interior

• Kitchen: Kitchen
• Bedrooms: Three bedrooms on the first upper level
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating; Window air conditioning units (electric)
• Interior features: Living room; Dining room; Basement (full)
• Laundry & utility: Hot water heated by natural gas

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $360 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $141k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.0% 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.
• Camden City School District (urban): math 3% / reading 16% proficiency, ranked #472 of 472 in NJ (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 86% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 95 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 1,018 units permitted in Camden County in 2024 (509 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.
• Camden County population projected to shrink 8% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 165 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 20y 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 $75k; list at $160k implies a 113% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1918 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: 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 $140,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 165 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1918 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.10% ✓
• Cap rate: 9.00%
• Cash-on-cash: 9.65%
• DSCR: 1.43
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $186,155
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1251 Atlantic Ave	0.37mi	3/1.5	1,162 (-3%)	14mo	$235,000	$202	64
1215 Decatur St	0.24mi	3/1.0	1,300 (+8%)	17mo	$170,000	$131	60
1443 Crestmont Ave	0.46mi	3/1.0	1,152 (-4%)	21mo	$178,000	$155	54
1314 Atlantic Ave	0.41mi	3/1.5	1,380 (+15%)	2mo	$245,000	$178	53
621 Ferry Ave	0.62mi	3/1.0	1,312 (+9%)	5mo	$25,000	$19	52
1551 Norris St	0.27mi	3/1.5	1,352 (+13%)	18mo	$225,000	$166	50
117 Cooper Ave	0.73mi	4/1.0 (+1)	1,344 (+12%)	7mo	$180,000	$134	35

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: -1.8%
• Equity multiple: 0.93×
• Total profit: $-2,997
• Equity at exit: $23,842

10-year hold

• IRR: 7.9%
• Equity multiple: 1.60×
• Total profit: $26,830
• Equity at exit: $13,825

Cash invested: $44,772 (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 08104

• Active inventory: 95
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,751 high
• Mortgage (P&I): −$839
• Tax from tax record: −$118 /mo · $1,420/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $360

Break-even live

Break-even rent $1,296

Max offer price $159,900

Occupancy floor 74%

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1502 S 9th St Camden, NJ	2.0	1.0	1050	$1,475	$1.40	19d	1	0.22mi
1364 Kaighn Ave Camden, NJ	2.0	1.0	912	$1,485	$1.63	2d	1	0.54mi
1055 Kenwood Ave Camden, NJ	4.0	1.0	1088	$1,875	$1.72	24d	1	0.64mi
1455 Wildwood Ave Camden, NJ	3.0	1.5	1353	$1,900	$1.40	10d	1	0.65mi
457 Mechanic St Camden, NJ	3.0	2.0	1200	$1,950	$1.62	18d	1	0.74mi
209 Cedar Ave Oaklyn, NJ	2.0	1.0	1400	$1,800	$1.29	5d	1	0.77mi
209 Cedar Ave Oaklyn, NJ	2.0	1.0	1400	$1,500	$1.07	16d	1	0.77mi
1509 Park Blvd Camden, NJ	1.0–2.0	1.0	1075	$1,650	$1.53	24d	1	0.78mi
141 Cooper Ave Oaklyn, NJ	2.0	1.0	850	$1,725	$2.03	24d	1	0.79mi
145 Cooper Ave Unit 1N Woodlynne, NJ	2.0	1.0	850	$1,725	$2.03	18d	1	0.80mi
1759 S 4th St Unit B Camden, NJ	2.0	1.0	800	$1,500	$1.88	24d	1	0.82mi
708 Royden St Camden, NJ	3.0	1.0	1113	$1,595	$1.43	17d	1	0.92mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	18d	1	0.94mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	12d	1	0.94mi
727 Berkley St Camden, NJ	2.0	1.5	1008	$1,660	$1.65	24d	1	0.99mi
609 Henry St Camden, NJ	3.0	1.0	1290	$1,600	$1.24	24d	1	1.12mi
301 Champion Ave Oaklyn, NJ	2.0	1.0	661	$1,770	$2.68	4d	3	1.21mi
440 Henry St Camden, NJ	3.0	1.5	1224	$2,200	$1.80	24d	1	1.23mi
2829 Idaho Rd Camden, NJ	3.0	1.5	1048	$1,700	$1.62	24d	1	1.27mi
2892 N Constitution Rd Camden, NJ	3.0	1.0	1040	$2,000	$1.92	24d	1	1.31mi
225 Haddon Ave Collingswood, NJ	2.0	2.0	1211	$3,372	$2.78	1d	6	1.34mi
1220 Grant Ave Unit 2 Oaklyn, NJ	2.0	1.0	1000	$1,800	$1.80	20d	1	1.39mi
132 E Franklin Ave Unit A Collingswood, NJ	2.0	1.0	1000	$2,400	$2.40	24d	1	1.41mi
3079 Alabama Rd Camden, NJ	2.0	1.0	832	$1,700	$2.04	24d	1	1.46mi
430 Richey Ave Unit 1A Oaklyn, NJ	2.0	1.0	897	$2,100	$2.34	4d	1	1.47mi
1034 Collings Ave Oaklyn, NJ	2.0	1.0	1100	$1,750	$1.59	18d	1	1.48mi

Listing history 15 events

1. 2026-05-19
   status Pending
2. 2025-12-05
   listed $159,900 Active
3. 2022-12-19
   soldstatus $75,000
4. 2022-11-27
   soldstatus $79,000 Closed 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

5. 2022-11-04
   price $85,900 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

6. 2022-11-04
   status Active 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

7. 2022-09-06
   historical 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

8. 2022-07-30
   status Active 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

9. 2022-07-27
   historical 233-char remark

   Show marketing remark (233 chars)

   this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

10. 2022-06-22
    listed $103,000 Active 233-char remark

    Show marketing remark (233 chars)

    this Hugh row house with over size dinning and living room and Hugh and high celling basement croos of the school and closed to all major public transportation and 5 minutes to phial bridges showes very nice and great rehab job done

11. 2007-12-31
    soldstatus $56,500 102-char remark

    Show marketing remark (102 chars)

    This 2 story, 3 bedroom row home is priced to sell! Located on a quiet street & Corporate owned.

12. 2007-10-17
    historical 102-char remark

    Show marketing remark (102 chars)

    This 2 story, 3 bedroom row home is priced to sell! Located on a quiet street & Corporate owned.

13. 2007-09-20
    listed $56,500 102-char remark

    Show marketing remark (102 chars)

    This 2 story, 3 bedroom row home is priced to sell! Located on a quiet street & Corporate owned.

14. 2007-03-30
    historical
15. 2006-11-08
    listed $62,500

ⓘ 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: $1,420 · $118/mo
• Projected year-2 tax: $2,701 · $225/mo
• Expected delta: +$1,281/yr (+$107/mo · 90.2%)

ⓘ 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 ≥103°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% 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: $21,017
• − Mortgage interest: −$8,957
• − Property taxes: −$1,420
• − Insurance: −$800
• − Repairs & maintenance: −$1,681
• − Management: −$1,681
• − Depreciation: −$4,652
• Taxable income: $1,826
• Est. tax owed @ 24.0%: −$438
• After-tax cash flow: $3,883/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: Camden City School District
• NCES district ID: 3402640
• Math proficiency: 3% ▼ -6.00%
• Reading proficiency: 16% ▬ 0.00%
• Median HH income: $25,845
• Composite: 6.85/100
• National rank: #9981
• State rank: #472 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

• Census place: Camden, NJ
• City population: 20,865
• Population (ZIP): 21,508

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 0.56)
• Race & ethnicity: Black 53% Hispanic / Latino 40% Two or more races 9% White 2% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 22% Cuban 2% Dominican 9%
• Common ancestry: Hispanic 2%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 69% English-only · Spanish 29% Vietnamese 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: ▼ -123.43%
• Current HPI: 209.3596
• Rent YoY: —
• Metro: —
• 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

+155.8% since first listed

15 events — show timeline

• 2026-05-19 Pending — BRIGHT MLS
• 2025-12-05 Listed $159,900 BRIGHT MLS
• 2022-12-19 Sold (Public Records) $75,000 Public Records
• 2022-11-27 Sold (MLS) $79,000 BRIGHT MLS
• 2022-11-04 Price Changed $85,900 BRIGHT MLS
• 2022-11-04 Relisted — BRIGHT MLS
• 2022-09-06 Listing Removed — BRIGHT MLS
• 2022-07-30 Relisted — BRIGHT MLS
• 2022-07-27 Listing Removed — BRIGHT MLS
• 2022-06-22 Listed $103,000 BRIGHT MLS
• 2007-12-31 Sold (MLS) $56,500 BRIGHT MLS
• 2007-10-17 Listing Removed — BRIGHT MLS
• 2007-09-20 Listed $56,500 BRIGHT MLS
• 2007-03-30 Listing Removed — BRIGHT MLS
• 2006-11-08 Listed $62,500 BRIGHT MLS

Property tax history

+0.5%/yr

Latest (2025): $1,420 · +4.1% YoY. Source: county tax records.