1911 S 7th St · Camden, NJ 08104

$162,500

3 bd · 1.0 ba · 1,685 sqft · SingleFamily public records · 108 Days on market

Built 1925 1,999 sqft lot Est $206k · 21% under ↓ 14% since listing

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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 +23.0/30.0
• ARV discount +15.0/15.0
• DSCR +7.4/10.0
• 1% rule +5.5/10.0
• 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 well-located twin home in a convenient urban neighborhood offers solid potential with several valuable upgrades already completed. The property has had prior improvements, including brand-new front steps that enhance both curb appeal and safety. Solar panels have been installed to help significantly reduce monthly electric bills, providing energy efficiency and long-term savings. Inside, the home offers comfortable living space with room to add your personal touch. With some updates already done and additional opportunity to customize, this property is ideal for homeowners or investors looking for value in a city setting close to shopping, transportation, schools, and major roadways. Motivated seller Home being sold AS-IS

Key facts

• Twin home
• Energy efficiency
• Solar panels

Tags

• TWIN HOME
• VALUABLE UPGRADES
• BRAND-NEW FRONT STEPS
• SOLAR PANELS
• ENERGY EFFICIENCY
• COMFORTABLE LIVING SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $162k.

Deal economics

• At list price, monthly cash flow is $290 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $162k).
• Recommended offer: $148k (9.0% 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: 97 active listings in the ZIP; 15 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 108 days — a 9% lower offer ($148k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 40% 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 $147,875 (9.0% below list)

Questions for the listing agent

1. It's been on market 108 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — 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: 1.05% ✓
• Cap rate: 8.43%
• Cash-on-cash: 7.64%
• DSCR: 1.34
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $205,570
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
851 Carl Miller Blvd	0.28mi	3/1.0	1,557 (-8%)	12mo	$190,000	$122	65
2115 S 10th St	0.34mi	3/1.5	1,636 (-3%)	16mo	$225,000	$138	64
1744 S 6th St	0.23mi	4/2.0 (+1)	1,536 (-9%)	14mo	$86,058	$56	54
1216 Sheridan St	0.61mi	3/1.5	1,524 (-10%)	5mo	$252,000	$165	50
1128 Everett St	0.66mi	3/1.5	1,575 (-6%)	12mo	$175,000	$111	46
1240 Chase Street St S	0.71mi	4/1.5 (+1)	1,500 (-11%)	2mo	$143,000	$95	40

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: -4.7%
• Equity multiple: 0.83×
• Total profit: $-7,902
• Equity at exit: $24,229

10-year hold

• IRR: 5.0%
• Equity multiple: 1.37×
• Total profit: $16,803
• Equity at exit: $14,050

Cash invested: $45,500 (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: 97
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,700 high
• Mortgage (P&I): −$852
• Tax from tax record: −$133 /mo · $1,600/yr
• Insurance: −$68
• HOA: −$0
• Vacancy / Maint / Mgmt: −$357
• Net cashflow: $290

Break-even live

Break-even rent $1,333

Max offer price $162,500

Occupancy floor 78%

Sensitivity live

Price	-10% $382	-5% $336	+0% $290	+5% $244	+10% $198
Rent	-10% $155	-5% $222	+0% $290	+5% $357	+10% $424
Rate	-1.0pp $371	-0.5pp $331	base $290	+0.5pp $248	+1.0pp $205

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: $40,625
• Closing costs: $4,875
• Reserves months: —
• Total cash needed: —

Rent comps 15 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	20d	1	0.52mi
457 Mechanic St Camden, NJ	3.0	2.0	1200	$1,950	$1.62	19d	1	0.73mi
209 Cedar Ave Oaklyn, NJ	2.0	1.0	1400	$1,500	$1.07	17d	1	0.85mi
209 Cedar Ave Oaklyn, NJ	2.0	1.0	1400	$1,800	$1.29	6d	1	0.85mi
1055 Kenwood Ave Camden, NJ	4.0	1.0	1088	$1,875	$1.72	25d	1	1.15mi
840 Haddon Ave Unit A Camden, NJ	2.0	1.0	2032	$1,725	$0.85	25d	1	1.17mi
1455 Wildwood Ave Camden, NJ	3.0	1.5	1353	$1,900	$1.40	11d	1	1.19mi
708 Royden St Camden, NJ	3.0	1.0	1113	$1,595	$1.43	18d	1	1.22mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	13d	1	1.25mi
537 Newton Ave Camden, NJ	2.0	1.0	1092	$1,500	$1.37	19d	1	1.25mi
609 Henry St Camden, NJ	3.0	1.0	1290	$1,600	$1.24	25d	1	1.28mi
3132 Independence Rd Camden, NJ	3.0	1.5	1168	$1,595	$1.37	23d	1	1.30mi
1509 Park Blvd Camden, NJ	1.0–2.0	1.0	1075	$1,650	$1.53	25d	1	1.31mi
440 Henry St Camden, NJ	3.0	1.5	1224	$2,200	$1.80	25d	1	1.43mi
1034 Collings Ave Oaklyn, NJ	2.0	1.0	1100	$1,750	$1.59	19d	1	1.47mi

Listing history 17 events

1. 2026-06-21
   days on market $162,500 Active 108 DOM
2. 2026-06-18
   days on market $162,500 Active 105 DOM
3. 2026-06-17
   days on market $162,500 Active 104 DOM
4. 2026-06-16
   days on market $162,500 Active 103 DOM
5. 2026-06-15
   days on market $162,500 Active 102 DOM
6. 2026-06-13
   days on market $162,500 Active 100 DOM
7. 2026-06-13
   pricedays on market $162,500 Active 99 DOM
8. 2026-06-09
   days on market $149,990 Active 96 DOM
9. 2026-06-08
   days on market $149,990 Active 95 DOM
10. 2026-06-07
    days on market $149,990 Active 94 DOM
11. 2026-06-04
    days on market $149,990 Active 91 DOM
12. 2026-06-03
    days on market $149,990 Active 90 DOM
13. 2026-06-02
    days on market $149,990 Active 89 DOM
14. 2026-06-01
    days on market $149,990 Active 88 DOM
15. 2026-05-31
    days on market $149,990 Active 87 DOM
16. 2026-05-18
    price $149,990 739-char remark

    Show marketing remark (739 chars)

    This well-located twin home in a convenient urban neighborhood offers solid potential with several valuable upgrades already completed. The property has had prior improvements, including brand-new front steps that enhance both curb appeal and safety. Solar panels have been installed to help significantly reduce monthly electric bills, providing energy efficiency and long-term savings. Inside, the home offers comfortable living space with room to add your personal touch. With some updates already done and additional opportunity to customize, this property is ideal for homeowners or investors looking for value in a city setting close to shopping, transportation, schools, and major roadways. Motivated seller Home being sold AS-IS

17. 2026-03-05
    listed $175,000 Active 739-char remark

    Show marketing remark (739 chars)

    This well-located twin home in a convenient urban neighborhood offers solid potential with several valuable upgrades already completed. The property has had prior improvements, including brand-new front steps that enhance both curb appeal and safety. Solar panels have been installed to help significantly reduce monthly electric bills, providing energy efficiency and long-term savings. Inside, the home offers comfortable living space with room to add your personal touch. With some updates already done and additional opportunity to customize, this property is ideal for homeowners or investors looking for value in a city setting close to shopping, transportation, schools, and major roadways. Motivated seller Home being sold AS-IS

ⓘ 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: $1,600 · $133/mo
• Projected year-2 tax: $2,823 · $235/mo
• Expected delta: +$1,223/yr (+$102/mo · 76.4%)

ⓘ 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 40% 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: $20,398
• − Mortgage interest: −$9,103
• − Property taxes: −$1,600
• − Insurance: −$812
• − Repairs & maintenance: −$1,632
• − Management: −$1,632
• − Depreciation: −$4,727
• Taxable income: $892
• Est. tax owed @ 24.0%: −$214
• After-tax cash flow: $3,262/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

-14.3% since first listed

2 events — show timeline

• 2026-05-18 Price Changed $149,990 BRIGHT MLS
• 2026-03-05 Listed $175,000 BRIGHT MLS

Property tax history

+3.6%/yr

Latest (2025): $1,600 · +4.1% YoY. Source: county tax records.