None · Camden, NJ 08104

$159,900

2 bd · 1.0 ba · 896 sqft · Townhouse public records · 45 Days on market

Built 1949 1,599 sqft lot Est $125k · 27% over

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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).

• Cash flow +22.4/30.0
• DSCR +7.2/10.0
• 1% rule +5.1/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Well maintained prop. Sold As Is conditions. Very nice Street & well Lit. Buyer responsible for all local , municipal and lenders inspections and repairs, (CO). Private driveway and fenced in yard. Best street in Whitman Park. Near new park (baseball , football & courts). Access to Phila through Patco Train Station. Quick access to major highways. Twenty minutes to Phila airport and Sport Arena (Phillies, Sixers & Flyers, Eagles Turf. Great investment property. Rental in the area 1300-1700.

Key facts

• Private driveway
• Near new park
• Access to phila

Tags

• PRIVATE DRIVEWAY
• FENCED IN YARD
• NEAR NEW PARK
• ACCESS TO PHILA
• QUICK ACCESS TO MAJOR HIGHWAYS

Property features AI

Finance

• Other: Assessor records list 896 finished above-grade square feet; Ownership interest: Fee simple

Exterior

• Parking: Driveway
• Utilities: Public water; Public sewer; Natural gas available (heating and hot water); Electric service (110 volts, 100 amp); Fiber optic internet available; Cable TV available; Phone service available
• Home design: Interior townhouse / rowhouse; Fee simple ownership
• Construction: Brick construction; Concrete perimeter foundation; Above-grade and below-grade structures; Built year per assessor
• Exterior features: Not in a federal flood zone; Lot dimensions approximately 16.00 x 0.00

Interior

• Bedrooms: Two bedrooms on the upper level
• Flooring: Ceramic tile; Laminate plank
• Bathrooms: One full bathroom
• Heating & cooling: 90% efficiency forced air heating (natural gas); Central air conditioning (electric)
• Interior features: Plaster walls; Very good property condition; Full basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $160k.

Deal economics

• At list price, monthly cash flow is $266 ($3k/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: $155k (3.0% below list) — sets the bar for market timing.

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; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 45 days — a 3% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y 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 $45k; list at $160k implies a 255% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 39% chance of damaging wind over 30y; extreme-heat days projected 7→14/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $155,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 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?
6. 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?
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: 1.01% ✓
• Cap rate: 8.29%
• Cash-on-cash: 7.12%
• DSCR: 1.32
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $125,440
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
234 Powelton Ave	0.35mi	2/1.0	896 (0%)	2mo	$120,000	$134	82
1344 Jackson St	0.27mi	2/1.0	896 (0%)	8mo	$125,000	$140	81
319 Cooper Ave	0.44mi	2/1.0	896 (0%)	1mo	$195,000	$218	79
255 Cedar Ave	0.37mi	2/1.0	868 (-3%)	2mo	$187,500	$216	76
1535 Norris St	0.42mi	2/1.0	896 (0%)	8mo	$65,000	$73	74
254 Cedar Ave	0.37mi	2/1.0	868 (-3%)	9mo	$180,600	$208	70
1605 Louis St	0.36mi	2/1.0	824 (-8%)	7mo	$60,000	$73	64
1218-1/2 Atlantic Ave	0.63mi	2/1.0	910 (+2%)	6mo	$70,000	$77	63
1232 Browning St	0.19mi	3/1.0 (+1)	1,008 (+12%)	7mo	$80,000	$79	59
1281 Jackson St	0.31mi	3/1.5 (+1)	990 (+10%)	3mo	$222,900	$225	58
1263 Lansdowne Ave	0.59mi	2/1.0	980 (+9%)	7mo	$160,000	$163	51
1154 Lansdowne Ave	0.63mi	3/1.0 (+1)	995 (+11%)	1mo	$86,458	$87	46

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: -5.4%
• Equity multiple: 0.80×
• Total profit: $-9,018
• Equity at exit: $23,842

10-year hold

• IRR: 4.2%
• Equity multiple: 1.31×
• Total profit: $13,815
• 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: 8.2×

Monthly cashflow live

• Estimated rent: $1,621 high
• Mortgage (P&I): −$839
• Tax from tax record: −$110 /mo · $1,320/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$340
• Net cashflow: $266

Break-even live

Break-even rent $1,285

Max offer price $159,900

Occupancy floor 79%

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 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
141 Cooper Ave Oaklyn, NJ	2.0	1.0	850	$1,725	$2.03	24d	1	0.25mi
145 Cooper Ave Unit 1N Woodlynne, NJ	2.0	1.0	850	$1,725	$2.03	18d	1	0.26mi
196 White Horse Pike Collingswood, NJ	1.0	1.0	754	$1,488	$1.97	21d	1	0.64mi
301 Champion Ave Oaklyn, NJ	2.0	1.0	661	$1,770	$2.68	4d	3	0.70mi
116 Haddon Ave Collingswood, NJ	1.0	1.0	609	$1,525	$2.50	24d	1	0.74mi
116 Haddon Ave Collingswood, NJ	1.0	1.0	609	$1,525	$2.50	5d	1	0.74mi
1502 S 9th St Camden, NJ	2.0	1.0	1050	$1,475	$1.40	19d	1	0.76mi
1364 Kaighn Ave Camden, NJ	2.0	1.0	912	$1,485	$1.63	2d	1	0.77mi
1364 Kaighn Ave Camden, NJ	1.0	1.0	625	$1,300	$2.08	24d	1	0.77mi
1532 Bradley Ave Unit A Camden, NJ	1.0	1.0	900	$1,175	$1.31	17d	1	0.77mi
1538 Bradley Ave Unit B Camden, NJ	2.0	1.0	670	$1,195	$1.78	24d	1	0.77mi
1566 Bradley Ave Unit A Camden, NJ	2.0	1.0	640	$1,495	$2.34	24d	1	0.79mi
697 Ferry Ave Camden, NJ	1.0	1.0	700	$1,120	$1.60	24d	1	0.86mi
225 Haddon Ave Collingswood, NJ	2.0	2.0	1211	$3,372	$2.78	1d	6	0.87mi
1245 Empire Ave Unit 1 Camden, NJ	1.0	1.0	825	$1,500	$1.82	24d	1	0.90mi
430 Richey Ave Unit 1A Oaklyn, NJ	2.0	1.0	897	$2,100	$2.34	4d	1	0.92mi
1220 Grant Ave Unit 2 Oaklyn, NJ	2.0	1.0	1000	$1,800	$1.80	20d	1	0.93mi
1025 Collings Ave Apt 1 Oaklyn, NJ	1.0	1.0	800	$1,488	$1.86	24d	1	0.93mi
1034 Collings Ave Oaklyn, NJ	2.0	1.0	1100	$1,750	$1.59	18d	1	0.96mi
132 E Franklin Ave Unit A Collingswood, NJ	2.0	1.0	1000	$2,400	$2.40	24d	1	0.98mi
2892 N Constitution Rd Camden, NJ	3.0	1.0	1040	$2,000	$1.92	24d	1	0.99mi
2829 Idaho Rd Camden, NJ	3.0	1.5	1048	$1,700	$1.62	24d	1	1.04mi
1509 Park Blvd Camden, NJ	1.0–2.0	1.0	1075	$1,650	$1.53	24d	1	1.09mi
3079 Alabama Rd Camden, NJ	2.0	1.0	832	$1,700	$2.04	24d	1	1.12mi
3081 Alabama Rd Camden, NJ	2.0	1.0	672	$1,650	$2.46	2d	1	1.12mi
716 Richey Ave Unit 2ND FLOOR Oaklyn, NJ	1.0	1.0	850	$1,450	$1.71	24d	1	1.13mi
700 W Browning Rd Oaklyn, NJ	1.0–2.0	1.0	739	$1,867	$2.53	1d	40	1.16mi
1759 S 4th St Unit B Camden, NJ	2.0	1.0	800	$1,500	$1.88	24d	1	1.20mi
3255 Crescent Dr Unit 16-1586 Camden, NJ	1.0	1.0	650	$1,085	$1.67	24d	1	1.23mi
3255 Crescent Dr Unit 03-3220 Camden, NJ	2.0	1.0	700	$1,350	$1.93	24d	1	1.23mi
3255 Crescent Dr Unit 02-3223 Camden, NJ	1.0	1.0	675	$1,085	$1.61	10d	1	1.23mi
3255 Crescent Dr Unit 08-1585 Camden, NJ	1.0	1.0	650	$1,200	$1.85	24d	1	1.23mi
1612 Independence Rd Camden, NJ	1.0–2.0	1.0	637	$1,350	$2.12	24d	1	1.25mi
1021 Monitor Rd Camden, NJ	3.0	1.0	1012	$1,710	$1.69	24d	1	1.29mi
435 Mechanic St Camden, NJ	1.0	1.0	980	$1,350	$1.38	18d	1	1.30mi
3136 Tuckahoe Rd Camden, NJ	2.0	1.0	800	$1,350	$1.69	24d	1	1.31mi
574 Haddon Ave Collingswood, NJ	2.0	1.0	1100	$1,800	$1.64	17d	1	1.44mi
708 Royden St Camden, NJ	3.0	1.0	1113	$1,595	$1.43	17d	1	1.44mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	18d	1	1.45mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	12d	1	1.45mi

Listing history 22 events

1. 2026-06-18
   days on market $159,900 Active 45 DOM
2. 2026-06-17
   days on market $159,900 Active 44 DOM
3. 2026-06-16
   days on market $159,900 Active 43 DOM
4. 2026-06-15
   days on market $159,900 Active 42 DOM
5. 2026-06-13
   days on market $159,900 Active 40 DOM
6. 2026-06-13
   days on market $159,900 Active 39 DOM
7. 2026-06-09
   days on market $159,900 Active 36 DOM
8. 2026-06-08
   days on market $159,900 Active 35 DOM
9. 2026-06-07
   days on market $159,900 Active 34 DOM
10. 2026-06-04
    days on market $159,900 Active 31 DOM
11. 2026-06-03
    days on market $159,900 Active 30 DOM
12. 2026-06-02
    days on market $159,900 Active 29 DOM
13. 2026-06-01
    days on market $159,900 Active 28 DOM
14. 2026-05-31
    days on market $159,900 Active 27 DOM
15. 2026-05-04
    listed $159,900 Active 516-char remark
16. 2005-03-29
    historical
17. 2005-03-24
    listed $69,900
18. 2005-02-18
    historical
19. 2005-02-16
    listed $64,900
20. 1998-12-17
    soldstatus $45,000
21. 1997-12-10
    soldstatus $17,100
22. 1993-08-24
    soldstatus $32,300

ⓘ 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: $1,320 · $110/mo
• Projected year-2 tax: $2,651 · $221/mo
• Expected delta: +$1,331/yr (+$111/mo · 100.8%)

ⓘ 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 · 14 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: $19,456
• − Mortgage interest: −$8,957
• − Property taxes: −$1,320
• − Insurance: −$800
• − Repairs & maintenance: −$1,557
• − Management: −$1,557
• − Depreciation: −$4,652
• Taxable income: $615
• Est. tax owed @ 24.0%: −$148
• After-tax cash flow: $3,041/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

+395.0% since first listed

8 events — show timeline

• 2026-05-04 Listed $159,900 BRIGHT MLS
• 2005-03-29 Listing Removed — BRIGHT MLS
• 2005-03-24 Listed $69,900 BRIGHT MLS
• 2005-02-18 Listing Removed — BRIGHT MLS
• 2005-02-16 Listed $64,900 BRIGHT MLS
• 1998-12-17 Sold (Public Records) $45,000 Public Records
• 1997-12-10 Sold (Public Records) $17,100 Public Records
• 1993-08-24 Sold (Public Records) $32,300 Public Records

Property tax history

-1.3%/yr

Latest (2025): $1,320 · +4.1% YoY. Source: county tax records.